BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have a dispute with Experian. They are wrongfully, maliciously and illegally reporting a debt from XXXX XXXX XXXX that is invalid.1 ) XXXX XXXX can not or will not prove letters of notice. 2 ) Original debtor ( XXXX XXXX XXXX ) will not and can not discuss this bill as it is too old. No longer even a valid debt! 3 ) I had no knowledge of this debt until I started monitoring it. 4 ) I have been declined credit, subsequently having a negative impact on my score as a direct result of Experian 's wrongful acts -- suffered damages! Experian will not allow me to state all of my evidence. 4 ) Creditor XXXX XXXX refused to send me any supportive information that I requested in XX/XX/2016, XX/XX/2016 and XX/XX/2016- past 30-60-90 day requirements! There are XXXX or more legal reasons that I 've attempted to give Experian and they deny removal based on " preformed '' statement issues in XXXX sentence that do not accurately describe what has transpired. I have provided XXXX LEGAL reasons to have item removed according to the FTC. Both XXXX and XXXX have removed this item. Experian is intentionally allowing it to remain- INTENTIONALLY affecting my score in a negative fashion. I have been diligently attempting to increase my credit score- perhaps to purchase a home XXXX day and can not move froward due to Experian 's illegal Credit Reporting tactics. I will contact my local legislator and the FTC with regard to this matter. Again, there is not XXXX but XXXX reasons set forth by the FTC ans CFPB to have this removed and Experian refuses or affirms incorrect report information KNOWINGLY! I believe that because I wo n't pay their costly membership fees, that they are purposefully not cooperating with me- if true- fraudulent business tactics on its face! Please help/advise me. 
Thank you for your time and consideration regarding this matter, 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 explanation
Consumer complaint received 2015-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I just received Bank of America 's latest disclosure on new fees they intend to begin charging in the as of XXXX, 2015. These include a " Legal Process Fee '' of {$120.00} for each legal order they receive to freeze, attach or withhold funds, including attachment or garnishment, in a customers account. This is an exorbitant levy bearing no relationship to the cost of processing the request, that punishes customers who are in the midst of financial difficulties. Attached is a copy of the disclosure notice with the description of the fee circled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: LoanCare, LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is currently held by XXXX via Loancare at XXXX, XXXX, VA. I received a letter dated XX/XX/XXXX from Loancare stating that my escrow account was short {$2500.00}. I found out that my homestead exemption had been filed in the wrong county and had the error fixed. I then provided Loancare the exemption details in an email dated XX/XX/XXXX. I heard nothing for two weeks. I called on XX/XX/XXXX, and was told they needed a copy of the bill they had sent me. I provided this to them in an email XX/XX/XXXX. I waited again and heard nothing. On XX/XX/XXXX, I called and was told they " needed further information '', but they provided me no details on what the information was or what their plan was to collect this information, and whether or not they intended to get it themselves or if I was responsible for providing it to them. They informed me the problem had been " escalated to management ''. I called again on XX/XX/XXXX and was told management should have it resolved by " tomorrow '', XX/XX/XXXX. I have still heard nothing, nor have I had any communication from the company other than automated calls telling me I have to pay them. Due to this escrow miscalculation, the company is demanding that I either write them a check for {$2500.00} to cover my escrow shortage, and that if I take this action, my monthly payment will increase from {$1000.00} to ~ {$1200.00}, or that they can collect the shortage and build enough for next year by increasing my payment to {$1400.00}, a nearly 50 % increase on my monthly payment. I have looked into reviews of this company on several different websites and believe that this is their standard practice, intentionally muddying the waters and delaying escrow assessments in order to make money off homeowners who had no choice when our mortgages were sold to what appears to be a very disreputable company.

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 2016-10-06
Company: Action Collection Service
State: ID
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received over XXXX phone calls from debt collector and with each phone I requested a written verification of what the debt was and how much the total was for. Each time I was assured that the notice would be sent, I verified they had the correct address to send me said written verification. I have never received anything in writing from them, only phone calls and at times harassing phone calls calling me " stupid '' and threatening legal action. The agent 's name was XXXX, and he called me in XXXX of 2015, he became abusive and aggressive when I told him I needed one more week to satisfy the " verbal '' agreement I made with XXXX in XXXX of 2015 to whom I made a {$200.00} payment. The agreement with XXXX that was again asked for in writing, and was never received, XXXX stated " there is no XXXX and you are stupid to think that anyone would make an agreement with you that is why you will never get anything writing, may you should have died in your accident to make this process easier ''. 
I also have paid {$700.00} to date on the account and was told that I had satisfied this account upon the last phone call from them in XXXX of 2015. I requested this account be removed from my credit report as satisfied I was told " thank you for the payment, and we will do this ''. I again requested that I receive a " paid in full '' statement from them, I was assured that it would be sent and yet again there was no written correspondence. This company does not send out notification of debt to collect, they will only call and then not honor any agreement that is entered in to, nor will they give a terms agreement in writing. They also hold accounts over that get payment on for several years or months to gain more interest to charge to the customer. I have been told by agencies who previously utilized them that " They never remove themselves from anyone credit report, they just wo n't do that ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I had been receiving silent, nuisance calls from this agency for weeks. When I called back I learned that they are attempting to collect a debt for XXXX XXXX XXXX, a community college I attended which misrepresented information regarding my student financial aid award, now resulting in a balance due to their internal failed process, inaccuracies and practices. I informed ConServe that I do not owe the debt and that I have a complaint pending with the FL DOE and am in the process of going through litigation regarding this alleged debt. I demanded that they cease and desist in the meantime, and advised them to return the debt to the college since I do not owe it and would not discuss the matter further with ConServe. I was abruptly informed that they would in fact continue to pursue me for the debt until I paid. I was then badgered for a further XXXX minutes in an attempt to bully me into paying the debt which I do not owe. Immediately following the call I sent a written Cease and Desist letter and mailed it off to their address found on their website. Since that time I have not received any further calls, however my spouse is now receiving the silent calls and my mother-in-law has sent me letters in the mail which they have mailed to her home addressed to me. As I have explained to ConServe, I will not hesitate to pursue legal action for failure to act in accordance with the FDCPA and applicable federal and local laws. This school yard bully tactics and unlawful collection practices is becoming a nightmare to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Tried to apply XXXX Credit Card and my Credit check was done by Experian Credit agency ( XXXX ). My application was declined by saying " Unable to verify SSN ''. 
this is not fair because my annual Income is above XXXX and I am a prompt payer of my XXXX Credit card. 
I want you to look into this matter and take action.

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 2016-06-26
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Payoff process

Complaint:
Synchrony Financial is taking extra payments that are being made and not applying them properly. They make it difficult to pay extra payments on promotional balances. They have also " made up charges '' that they have applied to my account that I continually have to call and get fixed. They can not tell me what these charges are. I have had to call weekly and argue with them on applying extra payments to my promotional balances and they continually do it wrong.

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 2016-11-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The information that is being reported to my credit report is incorrect. Credit reporting agency will not give source of information to verify. Shows XXXX state tax liens and bankruptcy. I have repeatedly disputed this information and continue to get the same answer without a source. I have contacted the Clerk of Superior Court and they state that they do not report to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card
Issue: Rewards

Complaint:
Barclays closed XXXX of my credit card accounts. Notification was received via letter dated XXXX/XXXX/2015. The letter states " we regret to advise you that we are unable to maintain an account with you because of your history of usage. '' I received no prior communication from Barclays indicating any issue with the usage of my card accounts. If Barclays means a history of usage that includes 100 % on-time payments, varied and numerous purchases, and an impeccable 20-year credit history ( my last credit application a month ago had a FICO score of XXXX, as reported to me by the lender ), then I can only arrive at the conclusion that Barclays chose to close the accounts to avoid paying out substantial earned yet unredeemed rewards points. The Arrival card account had at the time of closure XXXX miles as shown in the attached account summary. The Arrival miles are redeemed with a 10 % bonus against travel expenses worth {$3500.00}. The Upromise card account had XXXX transactions that started to age, coincidentally, on XX/XX/XXXX to earn the bonus 4 % rewards for using the Upromise shopping portal in conjunction with the credit card. This bonus takes 8-12 weeks to post with the first transaction hitting that milestone on XX/XX/XXXX. I estimate the value of those rewards to be roughly {$440.00} ( XXXX transactions x {$1200.00} average price x 4 % ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-21
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
on XX/XX/2020 I sent XXXX USD ( converted to 20 euros ) using XXXX. The receiver account was TransferWise, but since according to their records some data was missing, they refunded the money. ( I have both proof of payment from XXXX and proof of refund from transferwise ). A whole month passed because they kept saying I should wait for 14 business days after the money wasn't there, they will take a lot of time for every response, etc. In the last recent emails, Transferwise says they need an official note from XXXX saying the money isn't there, but they keep asking unrelated questions, saying that the money is not there, asking me to show a proof that TransferWise is requesting this but no matter how many screenshots I send both companies refuse to help me tracking the money. The only intermediate is XXXX XXXX, so if the money is not in either of the companies, it should be there. Bot companies are refusing to help indirectly by asking absurd information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Supreme Lending
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
My family and I wanted to buy a new home. We got Preapproved from XXXX XXXX with Supreme Lending Services. I was very clear from the get go, that we would not sell our home that we have been living in for the past 11+years, if we could not buy another home. It was promised to us that we had everything that we needed to close on home, no problem. So we started to look for a home. We found XXXX and when it came to closing the underwriter from Supreme Lending stated that all we needed to close was XXXX bank statements, and to pay off a couple of assets. This was presented again, but to us ( XXXX and XXXX XXXX ), my realtor, the sellers ( husband and wife ), and sellers realtor on a conference call with XXXX XXXX ( Loan Officer ) that we were already approved ALL we needed was XXXX bank statement from new bank acct, and to pay off a couple of assets. When the XXXX bank statement that we were waiting for came in we were ALL under the impression that we were going to close, but at last minute we were DENIED DUE TO PAYMENT SHOCK!!!! This was a SHOCK to us all of us, because this was never mentioned. Now me and my XXXX kids ( XXXX XXXX. XXXX XXXX ) this issue has put us in a position that we maybe losing our fostering license. It takes time and money to have another home study to keep compliance for holding fostering license. Not to mention XXXX dogs that just any rental will allow to keep. 
We did everything in our power to do as the loan officer XXXX XXXX with Supreme Lending instructed us to do, and we did it at a timely manner. She did not know what she was doing, and she lied to not just to me and my husband but to both realtors and sellers involved. Every time we ( XXXX ) spoke to XXXX she needed something different from us, because something new came up, so we were told. I then started to talk to XXXX another employee at Supreme Lending because I became worried. She also said that we were close to closing, she does not see any reason why we would n't be able to, she also spoke with the sellers as well. I have many of text messages and conversations that this was uncalled for, and the outcome was ridiculous. 
We, the sellers and I had been told numerous times that we will be closing next week, but next week never came. This has not only left my family and I homeless, but also have put the sellers into a lot of grief, they also will not be able to close on the home they had built for them. This has been a stressful and devastating situation for both families involved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I requested a copy of my credit report prior to applying for credit and was told that they could not release it since there were multiple Social Security numbers showing on my report. They referred me to Experian, but all I could get was the automated response. Since my report could not be released I could not get an automated answer and they do not have customer service persons with whom I could discuss the problem. I have been rejected for credit XXXX because of this issue. Since I ca n't get a copy of my credit report, I do n't know how the wrong Social Security information got on my report. I ca n't file a fraud claim without being able to identify the incorrect information and I do n't know whether or not my file is being used for purposes of fraud and I ca n't correct anything on the report since I ca n't get a copy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX a trustee or attorney in fact is not doing or carrying out the stuff he sign too on the contract which is making me go into debt and make me lose my property, put me in IRS crimaml offense by not pay. Taxes. XXXX XXXX XXXX of XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX ga, XXXX XXXX asserted, that XXXX XXXX had the power not him .and XXXX XXXX dies in XXXX ga XXXX XXXX with no power in her house. She was not the trustee .she had nothing too die with no power. I am ask y'all too send XXXX a letter too sign say he had no dealing with the ownership of Mr Cooper group. partnership XXXX XXXX. XXXX XXXX. And make him sign a paper say for me too take over. He don't want too deal with it no way. Mr XXXX. House is appear too be own by Mr Cooper which is own by the old owner XXXX XXXX XXXX deceased. XXXX XXXX XXXX be a direct heir and owner of XXXX and XXXX XXXX and XXXX XXXX group of the old days. Own and co own all of this. Need XXXX too hand over all books and paper work too all of this .abuse is in place. It a pandamic out here .21 years of wait .it too long this stuff .need too be stop thanks. Don't XXXX me for me business thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I wanted to stop a payment to XXXX comany listed as autopay on my Synchrony Bank credit card ( JCPenny credit card ) becuase contact number of insuance company was not working. But bank closed my card in place of stoping the payment to the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Late fee

Complaint:
I have a HH Gregg credit card account and thought that I have been making on time payments since I pay on the due date, which is the seventh, of each month. I noticed that my balance was not reducing in the last few months and that the minimum payment fluctuated tremendously. I spoke with a customer service agent who told me that I was being charge a {$38.00} dollar late fee for paying on the due date, and there were XXXX charges of this on my account. The representative removed the last charge but refused to discard the other charges. I was told that the payment had to be paid two days in advance of the due date in order to be considered on time. I told them that there was no notification of this through their automated system or on the statement, and I have never heard of such a policy with any other company. The representative continued to state the same thing and left me no recourse to resolve this, even after I requested to speak with a supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-20
Company: CNG FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by someone claiming to be a compliance officer working for XXXX county courts stating I was being sued. She said location services has been looking for me to serve me paper work for a lawsuit. I asked who, why and when and she had no answers other than youre in big trouble and need to call this number. ( XXXX ). 

I contacted the number and learned that this was an old bank debt and I was in fact-not being sued or pressed for legal action. 
The officer told me her job is to locate me and my FAMILY because they would be held responsible if I am unable to be located. 
The intimidation tactics that the compliance officer used caused me to clock out of work immediately to contact the number given thinking I would be arrested. I lost 6 hours of pay dealing with a frivolous threat that was just an old debt.

Company response to consumer: Closed with explanation