BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-24
Company: Specialized Loan Servicing Holdings LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my property XX/XX/XXXX. There was excess interest that was collected and {$550.00} is owed back to me. I called on XX/XX/XXXX inquiring where the check was and was told it was mailed back in XXXX. Called again XX/XX/XXXX and again was told another check would be sent. Tried calling again today, 30 minutes on the phone and they have no answers. My mortgage statement never had a problem making it to my mailing address on time, so why hasn't the check been returned? Please help. This is with SLS Servicing.

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 2017-05-22
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On  XXXX   XXXX ,  XXXX , I contacted Monterey Collections at  XXXX  in response to a debt collection notice dated  XXXX   XXXX ,  XXXX , from  Monterey  Collections for their  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   Account No.  XXXX , in the amount of {$1200.00}. The original amount of the debt to  XXXX  was {$1100.00} from  XXXX   XXXX ,  XXXX , and payments were made to  XXXX  through their website between  XXXX   XXXX  and  XXXX  of  XXXX  until the amount was paid off.     The collection agent I spoke with was extremely rude to me and refused to let me speak or even finish a sentence. When I told him that I was disputing the debt, and that the original amount of the debt was less than the collection notice, not to mention all the payments, he said that I would have to provide proof of payment to  XXXX , rather than him requesting same from the company.     I also told him that the collection notice had an incorrect name for me, and he said it did n't matter. Throughout the conversation, he bullied me, would n't let me speak, talked over me, was harassing and ruder than anyone I have ever dealt with over the phone and caused me to be extremely anxious and in emotional distress.     He refused to let me talk about the facts or numbers in question and kept saying that he would have to get a copy of the original agreement. Collection agencies should have proof that a debt is actually owed before they start harassing citizens. Also, when a consumer disputes a debt, there should be a professional response from the collection agency, not bullying, condescension, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
XXXX, Synchrony Bank, ( XXXX XXXX XXXX line ), took the class action settlement refund out of my account. They altered my credit line in order to regain the payment/ credit I received. Example Credit line was {$350.00}, posted credit for court settlement {$50.00}, then reduced the credit line to {$250.00}. Essentially taking it back the refund. Account in good standing, no missed payments, always on time etc. There seems to be no real good reason, from my standpoint, to reduce the credit line it has been the same for years with GEMoney bank the previous financial institution managing the credit service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
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 information incorrect

Complaint:
I pay my balances on my 5 credit cards every month. So my XXXX credit card reported my balance down to {$0.00}. Which on today that {$5.00} that was paid off showed a XXXX. Then Experian reduced my credit score down 16 points. I called them and they said that they did not see any negative items on my report and don't now why my credit score dropped 16points. And my statement to them is I don't know why either. All I got from this is they can do whatever they want and sit back and take it. I'm very disturbed by what just took place. here is my information. XXXX. XXXX XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX IL XXXX. They keep also lying to me about my name being corrected. I just see XXXX XXXX XXXX. And it need to say XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX Dear CFPB, In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX have violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 
I didn't give permission to these accounts to publish my information to TransUnion, XXXX and XXXX. 

The accounts are below : XXXX XXXX XXXX Account number : XXXX XXXX  XXXX : Account number : XXXX Account number : XXXX XXXX XXXX : Account number : XXXX Thank you,

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 2022-11-14
Company: Jenkins, Wagnon & Young, P.C.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To Whom it may concern : I sent you a written request to validation for debt on File No. XXXX for XXXX XXXX. 

Be advised that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I disputed their claim and requested validation. 

Jenkins &. Young never provided validation made pursuant to the above named Title and Section. 

Consequently, any negative information must be removed immediately pending validation! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
XX/XX/XXXX, I began to work with Home Depot ( store # XXXX ) on a bathroom renovation project, in large part because they offer 24 months of interest-free financing for such projects. In XXXX XXXX, once the estimate for the work was obtained ( approx {$25000.00} ), Home Depot/Citibank, N.A. extended me a credit line of {$26000.00}, with 24 months ' interest-free financing. XX/XX/XXXX, I noticed on my monthly billing statements that Citibank had, in fact, been charging me interest and so while I had been paying {$1000.00} per month ( more than the minimum payment due each month ), my balance had not been reduced much from the original {$25000.00}. I called customer service on XXXX XXXX, XXXX to inquire and they advised that they had never received the information about the promotional rate from the store ; after a long hold during which they researched, they advised that they would reverse the interest charges within a couple of billing cycles. As of XXXX XXXX, XXXX, it has not been reversed, so I again called customer service and was told that the reversal was put in a " referral queue '' where it has sat for two months. The representative was not able to help at that time, given that the resolution is in the queue. She referred the matter to a " partner specialist '' and advised that it should be resolved soon. I 've been charged approximately {$5800.00} in unwarranted interest which I suspect is affecting my credit score.

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 2016-01-14
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Delinquent account

Complaint:
We ordered an edger for my birthday ( XXXX XXXX, 2015. That day we called them and their person in that area said it 's XXXX junk and that the carborator was bad. So, we called to return it. They told us that their home delivery would come and pick it up. Then no one showed. We kept calling and kept getting different answers. Then we were told XXXX had a call tag. This was charged to my charge ( its the only thing on there ). Mind you it never worked from day one. I still do not have it picked up after buying a box for it because XXXX first said empty gas and oil. We did that, then they said the box was not firm enough. We bought a box, then he said not good enough because the box we purchased only one in our area had to be cut down and taped to fit the thing. Then, we had it sitting on our porch for almost two months. l then called and they told me its off your charge throw it away ( dispose of it ) you can listen to their recordings it 's there and i can give the guys name. I repeated him twice. Then he did remove it from my charge. I called to check on it and told the girl I was leary of throwing it out until I was sure it was off. Then she put it back on my charge. Now they are sending me another XXXX tag for the edger and want to get it back. They put it BACK ON MY CHARGE and are ruining my credit. They are now sending me another call tag U

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a Bank of America account on my credit report that opened back in XXXX and updated in XXXX that I am not aware of at all. There is a credit limit of XXXX and now a balance on that account of XXXX. It has been affecting my credit score for months now. Ive called BOA to find out information on this account and theyve told me there is no account under my name or SSN

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 2019-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I discovered that one of my Payees was deleted on XX/XX/2019 at XXXX as told to me from a Bank of America bill pay  representative today XX/XX/XXXX at XXXX. I advised the rep that I received no confirmation whatsoever telling me that I deleted anything. He told me that Bank of America does not send out confirmation when a Payee is deleted. I told him that at I received a Bill Pay reminder at XXXX to pay XX/XX/XXXX on XX/XX/XXXX. so it would be highly unlikely that I would go into the system and delete an entity I had setup to pay every month going forward well in advance until next year. The representative could not prove that I did the deletion. It wasn't but a few months prior did I courteously contact Bank of America ( XX/XX/2019 ) regarding problems with Payee issues only to rudely be told that they don't have system issues by the representative today. He also said in some form " anything that happens in Bill pay happens from or by the User. ''

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My wallet stolen was stolen and my I have experienced identity theft. Someone used my information to make a fraudulent inquiry. I would like the inquiry to be removed off of my credit report. The inquiry is XXXX XXXX XX/XX/2021 XX/XX/2021

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 2016-03-01
Company: RSH & Associates, LLC
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have had representative XXXX XXXX call my business phone after advising multiple times to remove my business phone from their records but they continue to call and harass and are borderline stalking. They are rude, invasive and frankly their collection tactics are XXXX like as represented in their need to sale to companies to collect debts. They have threatened to add my debts to my husband 's credit and debts that were established prior to our marriage. This is illegal and they have no right to do this. This company is absolutely rude and their workers insult and will talk over you, hello you called me to collect a debt and being rude and invasive will not help you accomplish this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for a Citi / AAdvantage Platimum Select World MasterCard on XXXX XXXX, 2015. They did not immediately approve the card so I called the number and spoke to XXXX # XXXX and was told it was approved and that I would qualify for the XXXX air miles promotion after I charged {$3000.00} within the first 3 months starting on XXXX XXXX, 2015 and that I should receive my card within 7 days or by XXXX XXXX, 2015. I received the card and more than meet the requirements by XXXX XXXX, 2015. In XXXX, I received a letter stating as a current or former Citi / AAdvantage cardmember I was not eligible for the XXXX-time bonus miles offer. No where was this stated when I applied online. It does not seem like fair practice for Citibank to advertise promotions such as this, have their employees tell you that you quality and then after you have meet the requirements deny the reward.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: DE
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 Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX Amount- {$700.00}, XXXX XXXX XXXX Account XXXX XXXX Amount- {$360.00}, XXXX XXXX XXXX XXXX Account # XXXX Amount- {$440.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2015-11-07
Company: WELLS FARGO & COMPANY
State: PR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I request a XXXX credit report and the report indicates a Florida address, phone and an account with Wells Fargo Bank that are not mine. I communicate with Wells Fargo Bank and I have no options for removing this account does not belong to me. I have been a victim of identity theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification today that a collection was added to my credit report in the amount of {$190.00} for RS Clark Associate. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: MoneyLion Inc.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Sent in XXXX tickets and they would not respond back until weeks after. 

I was scheduled for biweekly pymts and was told that my payments that were due on XX/XX/19 and XX/XX/19 did not clear. Spoke with my bank and they advised that my debit card was never processed by moneylion on XX/XX/19 or XX/XX/19. I worked for MoneyLion and I got a direct deposit from them on XX/XX/19 and they said my loan payment did not clear. It shows as a missed payment in their system because they never ran my authorized debit card on either days. Come to find out, they ran my debit card on an unauthorized date ( XX/XX/19 ) of {$19.00} to where the payment did clear and now they have no clue where that payment is. FIrst of all, I never gave authorization to run my debit on Monday, XX/XX/19. Just the authorized biweekly, fridays on the loan agreement. MoneyLion had my authorization to run my debit card biweekly fridays. For some reason, they stopped running my debit card and decided to report to the credit bureaus as delinquent. I never revoked my payment method and always made my pymts on time when scheduled to. MoneyLion breached their own contract by not running my debit card that I did gave authorization to, since XX/XX/2019 and just now contacting me stating that my loan is in collections. Not one email or phone call regarding a missed payment. I had to find out by the credit bureaus that my account was past due just the end of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had some financial issues from XXXX. I was on a forbearance that ended on XX/XX/2022. On XX/XX/2022 I received a email that I was approved for a forbearance but on the phone the agents say that is wrong. ( Email attached ) In XXXX I applied for my state 's HAF help. Since then the state has requested the information from my mortgage company 's loan servicer multiple times. I have called loancare probably 30 times over the past months. They are not responding to the state. Loancare 's internal HAF processing department has done nothing. I call and call and the customer service reps email them asking for an update. Nothing. They escalate it ( Whatever that means ). Nothing. No response. Meanwhile I get threatening phone calls and letters. They are the ones we are waiting on. They need to verify the information the state requested of them so this can be processed. 

They have been notified MANY times that I applied for the HAF ( Phone calls and email ). I get no where with them. Meanwhile they started reporting negatively on my credit report, which I believe is illegal when I am working with HAF and on a forbearance per the email XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX RE : THE ACCOUNT HOLDER HEREIN REQUEST FOR COMPLETE AUDIT OF THE ACCOUNT I XXXX XXXX, HEREIN ATTEMPTED TO REQUEST FOR A COMPLETE AND THOROUGH AUDIT REVIEW OF HIS CITIBANK CREDIT CARD ACCOUNT. THROUGH THE CITICARD SECURE MESSAGE SERVICES, AND SOMEONE DID N'T WANT ME TO FILE MY DISPUTE. SO THEY DENY ME ACCESS, AND BLOCK ME FROM FILING MY CLAIM. AND FOR THE ADDITIONAL REASONS WHICH FOLLOWS : ( 1 ) I HAVE REASONS TO BELIEVE THAT THERE IS SOME INACCURACY IN MY ACCOUNT BALANCE AND BILLING. I 'VE BEEN MAKING MY MINIMUM MONTHLY PAYMENTS. 

( 2 ) THERE WERE CHARGEBACKS, AND REFUNDS TRANSACTION ... .THAT WERE MISAPPROPRIATED, AND OR NOT APPLIED AT ALL. THROUGH THEIR DECEPTIVE PRACTICE CALLED CONDITIONAL CREDIT. 

FOR EXAMPLE : IF YOU WERE TO FILE A LEGITIMATE DISPUTE CLAIM. CITICARD ACCOUNT, WOULD GO AHEAD AND GIVE A CONDITION CREDIT. WHILE INVESTIGATING THE CLAIM. THEY IN TURN WOULD FABRICATE A STORY AND SAY ... THAT, THE MERCHANT OR BUSINESS DID NOT HONOR THERE REQUEST FOR REFUND. THEREFORE, THEY ARE TAKING BACK THEIR CONDITIONAL CREDIT. AND WHEN I CONTACT THE BUSINESS. THEY WOULD EXPLAIN THAT A REFUND WAS GIVEN. 

( 3 ) MY BELIEFS IS ... THERE IS SOME FORM OF INTERNAL DISHONESTY AND THEFT, THAT HAS BEEN TAKEN PLACE AGAINST MY ACCOUNT. ..AS FAR BACK? ..WHEN THE ACCOUNT WAS OPENED. 

( 4 ) SOMEONE WITH ACCESS ... WITHIN CITIBANK CREDIT CARDS ACCOUNT HAS REPEATEDLY BLOCKED ME FROM FILING MY CLAIM THROUGH THEIR SECURE CITICARD MESSAGE PORTAL. WHICH MIGHT BE THERE ATTEMPT TO COVER-UP THEIR WRONG DOINGS. 
PLEASE FORWARD THIS MESSAGE TO SOMEONE WHO IS ABLE TO INVESTIGATE THIS MATTER. 

RESPECTFULLY SUBMITTED BY XXXX XXXX

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 2016-10-10
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I wanted to sign up with Citi credit card online so I could keep good track of my credit card activity with them. They wont allow me to sign up unless I agree to receive robo calls from them. I declined.

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 2021-12-14
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I became unemployed in XXXX due to covid. My mortgage lender Mr Cooper if XXXX Texas allowed a forbearance of 18 months which ends XX/XX/XXXX. Despite proving I am now employed and can resume my monthly mortgage payments the advised me unless I pay the entire forbearance amount of {$36000.00} I must short sell or do a deed in lieu. They said XXXX XXXX will not allow for a refinancing of my property. This is completely unfair and I am requesting help. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation