BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I visited TransUnion 's website after my dad 's house was broken into in order to protect my identity after a computer with my data was stolen. I entered financial information that I thought was relavent to protecting my identity. TransUnion 's website emphasized that this services was FREE in all capital letters. At the end of the process I was charged {$1.00}. I was frustrated that this was n't disclosed prominently or in some sort of checkout page, however I assumed that this was a one-time charge like what the post office charges for changing your address online. I did not know, because of the absense of a checkout page, that TransUnion would charge me XXXX dollars a month for their service. This charge was also not prominently displayed in their monthly emails but rather hidden in fine print on their website. I contacted customer support and was refunded less than half of the charges. I was transferred to a supervisor to get the remaining charges refunded and was rudely told no. I asked to speak to their supervisor and gave my phone number. This became a game of phone tag but I could not get through to them when I attempted to return their calls. They left me no extension to reach this person. I am requesting a refund in the amount of {$36.00} -- the remaining charges that TransUnion made on my account. I also ask that transunion display this as a clear monthly charge on a checkout page instead of misleading consumers with FREE in all capital letters. I requested this through the XXXX however they were unable to encourage TransUnion to refund the charges. I also found on the XXXX website that other consumers have had problems with this service. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After obtaining a copy of my credit report, and noticed that there was a collection account on there in reference to a Direct TV account with an address associated with : XXXX XXXX XXXX XXXX, MI XXXX I have never at any time in my life lived in XXXX. Pursuant of 15 USC 1681c ( h ), the company received a notice of discrepancy for this address, and still willfully reported false information that has never and can never be validated. 

I have reached out to the company about this error being reported to the credit bureaus but have been met with negative results. 

I am demanding removal of this inaccurate information, and compensation for the willful non-compliance and further violations of 15 USC 1681.

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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'M HAVING PROBLEMS WITH THE CREDIT BUREAUS REMOVING OLD ADDRESSES THAT WERE LINKED TO MY IDENTITY THEFT CASE.

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 2016-11-23
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX XXXX - Multiple unauthorized/fraudulent charges were placed on my Citi Best Buy Visa card ( ending in XXXX ). The largest was for {$500.00} at XXXX XXXX # XXXX, reference number XXXX. 
XXXX XXXX - I received a text message from Citi inquiring about the {$500.00} charge from XXXX XXXX. I immediately called customer service and was informed of this as well as XXXX other unauthorized charges ; I indicated that these were unauthorized/fraudulent charges. I was assured at this time that I would not be held responsible for the charges and that my account would be closed and XXXX with a new account number opened. I indicated that I just wanted them to close my account permanently. 
XXXX XXXX - I logged into my account online and saw that not only had a new account ( ending in XXXX ) been opened in my name, but a {$500.00} balance had been placed onto it as a transfer from the original account ( ending in XXXX ). I called customer service immediately to inquire and was informed that this amount would be under investigation and a resolution could take 60-90 days ; additionally, the fraud department was closed and no further information could be provided. 
XXXX XXXX - I called customer service and was transferred to the fraud department. I explained the situation once again, reiterated that I wanted the account closed, and further reiterated that I wanted this balance removed from my account. The representative indicated that she 'd transfer the balance back to the old account, where it would stay while the amount was under dispute. The resolution could take 60-90 days on their end and possibly longer on the merchant 's end. I said I found this unacceptable but asked if my account was at risk of being placed into collections. I was told " I do n't think so. '' This is completely unacceptable. 
XXXX XXXX - I again spoke with Citi customer service, the agent of which spoke with the fraud department. I was told that the process was n't properly explained and that the {$500.00} balance was in the process of being removed from my card. 
XXXX XXXX - I logged into my account online and saw that the {$500.00} balance had been transferred from the new card ( ending in XXXX ) to the old card ( ending in XXXX ). The end result being that I still have a {$500.00} unauthorized/fraudulent charge sitting on an account associated with my name. This is even more frustrating because XXXX other unauthorized charges which apparently occurred at the same time have already been removed from my account. Even worse, the old account now has a payment due of {$25.00}. All throughout the process I was assured I would n't have to pay on the amount in dispute, yet here they are trying to bill me for it.

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 2021-10-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery has been harassing myself and my family since 2016. They have called my parents multiple times a day, everyday, even though they have repeatedly told them I do not live at that residence. For the last couple years the phone calls have been nothing but auto dialed calls with no one on the other line to speak to just a beeping noise like a fax machine with an obvious intent to harass and annoy while causing extreme embarrassment, stress and anxiety on myself, while irritating, annoying and angering my family. The debt is now time barred and the judgment they tried to bring against me was dropped. There is NO reason for anymore communication between myself, my family and Portfolio but they have been relentless in there illegal and frivolous efforts to harass, bully, coerce and mentally abuse me into giving in to there demands.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-14
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card
Issue: Rewards

Complaint:
On XXXX/XXXX/XXXX, Barclay closed my Barclay Arrival MasterCard account and sent a letter indicating the following : We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are unable to maintain an account with you because of your history of account usage. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement that governs your account. '' Upon receipt of this letter, I called Barclay 's on XXXX/XXXX/XXXX and spoke to a customer service representative and a manager. I asked them for the reason why my account was closed without any warning and they basically just repeated what the letter had stated and that they could not provide any more details. I told them that I had XXXX Barclay Arrival points in this account that I can no longer access because the account is now closed. The manager stated that there was nothing he could do to get those points to be credited back to me. These points are worth approximately {$1500.00} if they are redeemed towards travel expenses such as hotels, airfare, etc. I was travelling to XXXX in XX/XX/XXXX and XX/XX/XXXX. Had planned to use my points for travel during that period. But they cancelled my card while I was in XXXX and hence could n't use Barclay card during my international travel at all. I am unhappy with the way that they have closed my account. I have never ever been late on making payments and keeping outstanding balance well within my credit limit. I would have appreciated if Barclay 's had at least notified me about what I had been doing that was unsatisfactory, so that I could have avoided being closed. Instead they closed my account without any warning. I was planning to downgrade my card to basic one anyways but they said there was not a way to do so and they would not even refund or compensate for my points that I accumulated for my international travel, which is what they point out as best benefit associated with the credit card to begin with. Its very unethical and rude on Barclay 's part and caused huge discomfort as I had planned to rely on them for the duration of my stay in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-20
Company: Santander Consumer USA Holdings Inc.
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have held a loan via Chrysler Capital since XX/XX/XXXX. I have never had a late payment with this loan and unfortunately did not realize how quickly said loan would have become " upside down ''. My Girlfriend researched the XXXX  Consumer Loan Class Action Lawsuit and had reason to believe that my loan would likely qualify. 

Due to COVID-19, I had been waiting for an unemployment payment since XXXX XXXX, In XX/XX/XXXX, I reached out to Chrysler Capital to see if an extension on said loan could take place. I was assured all would be taken care of and my loan payment would not come due again until XXXX XXXX. On XX/XX/XXXX I discovered that they still deducted a payment in the amount of {$390.00}. I was told to file a complaint via Fax for the payment to be considered unauthorized and such would be refunded to my account. This Fax was successfully delivered on XX/XX/XXXX at XXXX XXXX CST. As of XX/XX/XXXX there has been no acknowledgement nor my money returned. 

This loan has carried a high interest rate, numbers frequently changing, no response to correspondence from the above mentioned dates nor messages filed on Chrysler Capital 's website on XX/XX/XXXX, a voicemail left on XX/XX/XXXX, nor another message again sent XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been requesting a complete payment history from XXXX and they refuse to provide me with a copy of a complete payment history and if the lender refuses to report a payment history on my credit report the lender is in violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Sale of account

Complaint:
On XXXX/XXXX/XXXX I accepted a credit card promotional with BP through XXXX XXXX for 3.99 % plus {$50.00} fee with the terms " until paid ''. That account was then sold/transferred to Bank XXXX later the same year. The account was then sold/transferred to XXXX in XXXX. Each time the account was transferred/sold I had no problem, the payments, terms, and conditions were transferred without issue. I received a notice from XXXX that the account was being sold/transferred to Synchrony Bank earlier this year. I received a statement from XXXX for the period XXXX with a due date of XXXX/XXXX/XXXX. I received a notice that any payments made AFTER XXXX/XXXX/XXXX would be returned. At that time I had not received ANYTHING from Synchrony Bank. By anything I mean including not receiving any instructions advising of directing payment to another address. I made the payment to XXXX with a payment date of XXXX/XXXX/XXXX through ACH. As of today it was not processed but I was unaware of that until after I received a statement from Synchrony Bank on XXXX/XXXX/XXXX. The statement from Synchrony was the XXXX thing I received from Synchrony. The statement included a {$25.00} late fee and they changed the terms of my original transaction from 3.99 % until paid to 13.49 % until XXXX/XXXX/XXXX. I called the bank and the {$25.00} fee will be waived but they continue to have the account at 13.49 % and it will go higher unless paid in full by XXXX/XXXX/XXXX. I have not agreed to any change of terms and do not believe Synchrony has the legal right to change the original terms since I have met all of the conditions of the agreement by making he payments each month. I spent over an hour on the phone with different " customer service '' reps on XXXX/XXXX/XXXX and was told to both mail and fax copies of all of my information including a copy of the original agreement from XXXX. They said they would review the information and take it under advisement but in the meantime the balance remains at 13.49 % until XXXX/XXXX/XXXX at which time it will go somewhere around 24 %. I asked for a number to call and speak with someone in the department that reviews and was told they do not accept phone calls. I think it is unreasonable to expect me to have copies of the original agreement from XXXX but as it turns out I do have a copy of the original offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-12
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Payoff process

Complaint:
I financed some dental treatment through CareCredit/Synchrony Bank which offered no interest payable promotion for twelve months. I am at the 10/11 month stage and intend to pay off the charge in full to avoid interest charges. The account is " paperless '' and managed on line. Nowhere is there any provision or " menu '' for online payment in full ; and telephone contact is limited to a automated menu, unless you are willing to pay {$10.00}. to speak to a representative. I will not pay to speak to an agent, but I have persevered in locating the home address of Synchrony Bank in XXXX, and will send them a check for the full balance. 
It is obvious to me that the " paperless '' format for managing an account is designed to make it next to impossible to pay off an account in full exposing the card holder to the post promotional high interest rates. 
I request that you investigate this matter and take such action as you may deem appropriate. 
XXXX XXXX NJ 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 2015-06-18
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Late fee

Complaint:
My wife makes my payments for me online. She usually makes the payments the day they are due or the day before. She makes the payments online. I recently looked at my account and found that I was charged late fees even though the payments were made on the due date. I find it hard to believe that it is legal for a credit card company to take my money ( payment XXXX out of my checking account on the due date and post it the following day in order to charge me a late fee. Is this legal? I want them to credit my account all of the late fees they have charged me in the past year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Performant Financial Corporation
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
We have been making payments to performant agency since XXXX. We were told to make a payment plan and pay for 4 months in a row and then we would be released. We had to start over at least 3 times with the payment plan for various reason and also the IRS has taken XXXX income tax returns XXXX and XXXX which is not reflected in the balance. I want to know my correct balance including

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 2016-08-17
Company: Performant Financial Corporation
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Performant is a collector. I have XXXX defaulted student loans. I have been making rehabilitation payments of {$410.00} a month off of a debit card since XXXX 2015. I have also been making additional, voluntary payments of {$580.00} a month. I noticed that although I made the additional payment a number of times on the first of the month, that it did not get credited by performant until the end of the month. I called Performant at least twice to try and find out whether the {$580.00} was being timely applied to my debt ( so as to decrease the interest that accumulates ). Perfomant 's operators got irritated with and put me on hold for long periods of time. I never got a satisfactory answer.

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 2017-04-01
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We sent a check of all past due on XX/XX/2017 TO AVOID FORECLOSURE and today we were served with court documents. 
We have been doing everything they ask of us and now the mortgage co. Says they thought the check was " for repairs ''? 
The legal fees are adding up as well. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

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 2015-09-07
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I previously contacted Barclay Bank regarding inaccurate information listed on my credit report. In XXXX of 2014, I spoke with XXXX at extension XXXX. She informed me that I had a balance of {$200.00}, and that the balance could be settled for {$100.00}. I asked her for the full account number, and she informed me that it was XXXX. I informed her that this is not the account number that Barclay has listed on my credit report, which is XXXX. I called a couple of weeks later and spoke to a representative named XXXX. She informed me that the inaccurate account would be deleted from my credit report. It was not deleted, so I filed a complaint with the XXXX. I received a correspondence from XXXX with the office of the president who validated the account listed on my credit report. I filed another dispute with the consumer financial protection bureau, and XXXX again responded, stating that the account listed on my credit report was accurate and that they would not correct or delete the invalid account number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I am unable to access my eBay MasterCard credit card account online. I have called multiple times to PayPal and eBay to get help and am transferred to multiple operators and back and forth to eBay and PayPal without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
USAA screwed up my escrow account for property taxes. Last year I was only in the house for 6 months so I paid half the taxes and they used that same amount that I paid last year for only half the year for this years taxes which were for a whole year. So now I need to pay {$2900.00} extra or add more to my monthly mortgage payment. They claim it was n't their fault and that the taxes increased but that is not the case the taxes are exactly the same all that changed is instead of only paying for 6 months we paid for a full 12 months. USAA also tried to sell my mortgage off only 2 weeks after we signed it. Something needs to be done about their shady business. They are supposed to help veterans and their families but all they do is cause grief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation