BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-31
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The primary creditor of this account has never contacted me in regard to taken further action to collect payment. In my defense payments has been auto scheduled to a min payment deducted every month from my account, but creditor decided to close my account without any notice and send me to collection instead of contacting me directly through all sorts of updated information on my account to settle this issue. I was wrongly sent to collection by this creditor and my balance is showing {$150.00} higher than what really is in facts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The Mortgage company which is servicing my loan is doing the following to trigger this complaint- 1. I use their automatic telephone payment system and have been paying additional amount, over and above my regular payment so that the additional payments are applied towards my principal. Additional payments were always applied to reduce my principal. 2. However in the month of XXXX the additional {$2000.00} I paid were not applied to reduce my outstanding Principal but were left as unapplied partial payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I contacted XXXX XXXX XXXX, a debt reported by XXXX XXXX XXXX. I spoke with XXXX, the assistant manager, and she told me they can't find anything with my information in their records for XXXX XXXX for any evictions. She said the corporate office reached out to her about my time there and they couldn't locate any information about an eviction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: LendKey Technologies, Inc.
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I took out a variable rate Student Loan with LendKey through XXXX XXXX XXXX XXXX in XXXX of XXXX. While I understand that my rate will change, and I have agreed to those terms. I have not been contacted or notified by either XXXX or XXXX XXXX of two rate changes prior to or after the increase. I believe it is unethical, and predatory to not inform borrows of rate changes. In my case, I would have changed my monthly payment ammount to adjust. 

Date Index Margin Discount Rate XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Linebarger Goggan Blair & Sampson LLP
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a letter from an attorney called Linebarger Goggan Blair & Sampson LLP claiming I owe {$15.00} in tolls on a vihicle with licence plate XXXX. I do not have a vihicle with that licence plate. I also have a sunpass that automatically removes funds as needed and is in good standing. It says that " XXXX XXXX XXXX ( partner ) is licensed by the Florida Barr but does not provide a Barr Number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: RoundPoint Mortgage Servicing LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have been having issues, the same ones for years. 
We paid our escrow total and they misapplied the funds. 
we paid XXXX to principle and they misapplied the funds-AGAIN. 
We have tried to contact their ombudsman and she sent us to another person who will now not respond. sent a letter to the XXXX and the XXXX of XXXX NC. 
Please help. we are seniors and can not afford for them to take our money when we are try to pay off the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My credit card was shut down without warning. It is an expensive card that I specifically purchased so could have access to airline lounges and collect frequent flier miles. There was a bonus of XXXX miles if I spent a certain amount. I called to see why I was shut down as I had paid in full ( and early ). I was told they could not give me any information while they investigated. I called the next day and was told it was an identity issue. I was asked to fax my license, social security and a bill with my address on it, which I did. I called the next day to get an update on the status and I was told I needed to add the back of the license and social security card, and only a utility bill would do. I refaxed all of those documents. I called back to see if it could be turned back on as I have travel I need to book, but was told that what I had provided was inadequate and there is an ongoing investigation into my identity and I needed to just wait. I asked if I could provide them with anything more and was told no.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: CITIBANK, N.A.
State: NM
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I submitted an application for an account with Citibank on the understanding that I would be eligible for a promotion with XXXX XXXX upon completing certain hurdles. 
I completed said hurdles, and contacted them XXXX XXXX as to why I had n't received the promotional miles. They stated they would open a case and look into it. I contacted them again XXXX XXXX, and I was told I would have an answer in XXXX to two business days. I contacted them again XXXX XXXX, and was put on hold via their chat system indefinitely ( disconnected approximately 3 hours after the rep said it would be just a few minutes ). I contacted them again today and they said that I was n't eligible despite fulfilling the hurdles. I 've also incurred a {$30.00} fee during my wait for them to act, which they said they would n't waive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: DISCOVER BANK
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, these creditors have violated my rights under 15 USC 1681, Section 602 states I have the right to privacy. 15 ISC Section 604 A, Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
On the internet I searched for " IRS EIN Number ''. A site came up appearing to be the IRS. With my CitiCard issued by Citibank, fooled by the site, I paid what I believed to be a customary fee of {$140.00} to the IRS. The next day realizing that the legitimate IRS provided EIN numbers free of charge I emailed the merchant informing I was rejecting his service. In fact I never opened the merchant 's email presumably providing me an EIN number. I informed Citicard of the above via phone and in writing. Citicard via their dispute process ruled against me. Attached find the dispute ruling ( 1 page ) and the documentation ( 8 pages ) submitted to Citibank upon which Citibank ruled the dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other fee

Complaint:
My credit card has a service whereby XXXX precheck services are reimbursed as one benefit of my {$450.00} annual fee. I obtained the XXXX recheck in XX/XX/2016. I have made 5 phone calls spanning the last 4 months and have yet to get a refund of that money. Every time I call, they are " going to look into it '' and " I should expect a credit any time now. '' This is absolutely unacceptable for a financial institution to be holding onto my money for this long with a promise of providing this reimbursement. I have spent no less than 2 hours on the phone which is very precious and another example of the " hoops '' consumers need to jump through to protect our own diminishing rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-24
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We place our condominium in XXXX RI on the market XX/XX/XXXX. The best offer was {$85000.00} -- well below the {$120000.00} we owe the mortgage holder ( Citimortgage ) so we applied for a hardship short sale, based on this extreme loss of value and my impending unemployment from my company of 15 years. 

It is now XX/XX/XXXX and we still have had not decision by the bank. They have requested the same documentation from us at least 4 times in the past year ( XXXX, pay stubs, self-employment income, etc ) and have repeatedly sent us offers for " trial period '' payment schemes that provide no interest rate, term of loan or outstanding balance. 

We have a short sale attorney working for us, but they too have been unable to get responses from the bank despite many many requests for resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid the settlement offers for both XX/XX/XXXX Reference No : XXXX ( Original Creditor : XX/XX/XXXX XXXX Account No : XXXX Balance : {$550.00} ) which was {$270.00} and XX/XX/XXXXReference No. XXXX ( Account Summary Original Creditor : XX/XX/XXXXAccount No : XXXX Balance : {$500.00} ) and {$250.00}. 
I was told on a recorded call both debts would be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was affected by the Covid-19 with my XXXX  XXXX  job about XX/XX/2020. I worked for XXXX XXXX and was let go in XX/XX/2020. I went back to work part time at XXXX  after taking a leave of absence for mental health reasons. I did return to the XXXX  XXXX  for two weeks all to be sent home on FMLA for XX/XX/XXXX not functioning safely doing the job I do. When I came off of relief from TD Auto Finanace I thought I would be fine until I found out I was going to need unexpectedXX/XX/XXXX. After having XX/XX/XXXXXXXX I went in for a emergency XX/XX/XXXXthat I had complaication from a previous XXXX. Every time TD Auto would call I would say hello and the phone would hang up. So finally I spoke with someone after I returned again to XXXX part time and I told the young lady on XX/XX/2020 that I will be making a payment on XX/XX/2020 when I received my paycheck from XXXX. She never mention I was in danger of my car being picked up. She only asked if I can make a payment. Well the order was put in for my car to be picked up on XX/XX/2020 and they picked it up on the XX/XX/2020. So they tow guy rode off with my kids XXXX gifts that was donated to us because I had no money this year for XXXX. I called to find out how much I need to get the car back. They said they are not willing to neogation with me in this time of need. But they want me to pay {$2800.00}. I am a single parent of XXXX. I have no help or money. I was not allowed to file for unemployment due to still being employed with the district. So I struggled for months with no money. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A true personal story : I was a Capital One cardholder for some time and I paid my bills in a timely manner. Then my Capital One account got hacked and someone ordered a card to a different address and was making purchases with my card and paying with my bank account that was pegged to my capital one credit card account. 

I called capital one and they were very callous about it and they told me to just change my password and they will send me out new cards. 

Lo and behold a couple of weeks does n't go by and I notice charges appearing that were n't mine. So after investigating I realized that this same hacker must have hacked again and ordered a new card and was spending once again. Oh you bet he did but this time he got smart and attached someone else 's bank account to the account ( a XXXX XXXX XXXX account ) and was paying for the purchases with this party 's bank account. This " hacker '' also started withdrawing money from ATM machines all over NY. 

I called capital one and again they were not forthcoming even blaming me, like it was my fault! Instead of commencing an investigation as to how my account was being hacked, they just told me to change my password and sent out new cards. 

I also spoke to the fraud department dozens of times ( each time took 30+ minutes ) and told them to please make sure my account is credited for all the unauthorized ATM withdrawals and charges. 

Capital NEVER credited me those charges. I never ever experienced more horrific customer service then my 6 month misery with capital one. They only wanted to sweep it under a rug that they were hacked. 
Capital NEVER credited me those charges. So I refused to pay my bill. I told them I will pay when they remove those charges. So they gave me the run around and sent me to other " departments '' but never ended up crediting those charges. 

I refused to pay and this went to superior court and I was n't going to start paying lawyers and never challenged it and lost by not showing up. 

Capital One has garnished money from my account on XXXX separate occasions also incurring me overdraft charges and bounced checks because I never got a heads up when the money was going to be withdrawn. 

But those were the least of my problems. 
The guy who hacked in managed to get all my info and so began my fun 2 years of identity theft. 
I have detailed very quickly a very unenjoyable episode to say the least. It has cost me so much time, money and effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I am a XXXX-year-old XXXX writing to dispute CareCredit 's deceptive interest rate and credit card enrollment practices. A year ago, I signed up for a CareCredit/GE Capital Retail Bank to pay for emergency dental treatment at XXXX XXXX in XXXX XXXX. After making payments for a whole year, I am very upset to receive my latest statement dated XX/XX/XXXX, which shows that my interest rate suddenly jumped from 0 % to 26.99 %. All of the sudden, my total interest charges increased from {$0.00} to {$530.00}. As a result, my balance increased from {$1000.00} to {$1400.00}. 

Nobody at my dentist 's office ever told me when I signed up for CareCredit that the rate would suddenly increase from 0 % to 26.99 % or that the interest would accrue during a promotional period. Nobody even gave me a copy of the credit card agreement. 

As you know, the federal government has already ordered CareCredit to stop these deceptive practices, but CareCredit is still doing the same thing ( under its new name CareCredit/Synchrony Bank ) and targeting vulnerable consumers who need medical or dental care. On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) ordered CareCredit/GE Capital Retail Bank to refund up to XXXX to consumers who were victims of deceptive credit card enrollment tactics. At doctors ' and dentists ' offices, consumers were signed up for CareCredit credit cards that they thought were interest-free, but were actually accruing interest that kicked in if the full balance was not paid at the end of a promotional period. That is exactly what happened to me, so I believe that I am entitled to a refund under the XXXX order dated XX/XX/XXXX. 

I am asking you to ( 1 ) refund these unfair interest charges immediately and ( 2 ) lower the interest rate back to 0 %. My next payment is due XX/XX/XXXX, and I am a XXXX on a limited income, so please help me. If I had known the truth about CareCredit 's deceptive practices last year, I never would have signed up for this card. In the meantime, I will submit a complaint to the XXXX ( XXXX ) also. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-03
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a report on my credit report that I am XXXX days late on my XXXX account. I am NOT late and I have a letter stating this. I dont know where you are getting your info. But this needs to get taken off my credit report. Its damaging my credit and my husbands.They said they DID NOT report this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has been attempting to collect a debt, for which I claim no liability associated, regarding an account from XXXX XXXX where the last payment made was before XX/XX/XXXX. Official correspondence from XXXX XXXX shows that the number I had held previously with them was likely sold to another customer based on a collection attempt from XX/XX/XXXX. The final collection attempt from XXXX XXXX was on XX/XX/XXXX. 

My most recent credit reports show that Jefferson Capital has reported the start date of the debt as XX/XX/XXXX which is incorrect. 

Based on the Arizona statute of limitations, this alleged debt would have expired six years after the final payment ; either on or before XX/XX/XXXX. It has also been over seven years since XX/XX/XXXX. As such, I am requesting that XXXX XXXX XXXX stop their collection attempts and remove the previously aforementioned collection from each of the credit reporting bureaus ' records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Southwest Credit Systems, L.P.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid the settlement offer of {$330.00} with confirmation XXXX. I was told on a recorded call the debt would be deleted from my credit report upon payment of the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed the validity of the XXXX account XXXX. Transunion continues to state they can verify this account as being valid but when I contact the company listed at XXXX XXXX XXXX XXXX XXXX SD XXXX they keep telling me they can not verify this account. I have sent request to the company in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting verification of this account by mail and have not gotten a response by mail. I called and spoke with XXXX at the number listed and he told me they have no copies of any documents to send to me verifiying this debt amount and that this account was written off an forgiven with a XXXX form. I would like Trans-union to provide copies of any information they have that verifies the validity of this account. I believe all account details are inaccurate and should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation