BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-03
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
My card got locked for " security purposes '' when I tried to transfer money to my bank account in the beginning of XX/XX/2020. I called to resolve the problem and they said they needed ID verification and gave me a number to fax it to and my card ID to identify my account. I sent it twice after seeing my account was still locked after almost 2 weeks. I called back again and they said they would request to find the fax. I gave them the time and date of when I sent the last fax which I believe was on XX/XX/2020. They said it would take around 5 days to retrieve it and unlock my account. I called back a week after and my account was still locked. When I asked again what else I could do, they hung up on me. Almost every time I called I waited from 35-50 minutes for an answer and some of the times, it sounded like someone hung up before even answering after around 40 minutes. I wrote a letter possibly 3-5 weeks ago explaining the issue and asking for it to be fixed along with the confirmation paper of my last fax in XX/XX/XXXX that showed the picture of my ID, yet my card is still unlocked. I called earlier and was on the line for 44 minutes waiting for an answer just to have the call disconnected as if someone hung up again, when answering. This problem has been going on too long and I don't find any other solution. Attached is a picture of my drivers license.

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 2023-05-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
1 ) The mortgage servicer Select Portfolio Servicing, Inc denied my request for a loan modification in XX/XX/XXXX. The reason for the denial was not provided. A generic denial was provided stating I did not qualify for any workout assistance except short sale or liquidation. 

XXXX ) Select Portfolio Servicing, Inc refused to honor the request for mortgage assistance for the short sale application that was forwarded after the denial of the modification. The short sale application was sent in XXXX, again in XXXX, and finally confirmed on XX/XX/XXXX, to be received by Select Portfolio Servicing , Inc . 

3 ) Select Portfolio, Inc stated verbally that they would open the case because of the confusion with the prior submission. However, was confirmed and received they denied the review of the application and continued with the foreclosure sale date on record of XX/XX/XXXX. 





4 ) I continued to search for someone to buy my home and finally entered a ratified contract to sell my property on XX/XX/XXXX. The information was immediately sent to Select Portfolio Servicing , Inc requesting a postponement of the scheduled XX/XX/XXXX, sale date. The purchase amount would pay Select Portfolio Servicing, Inc off in full and allow me to obtain funds to move. Select Portfolio Servicing, Inc once again denies the postponement request. They would rather foreclose on me than postpone the sale 30-40 days and allow me to pay them off and obtain a little profit.

5 ) The actions of Select Portfolio Servicing, Inc are consistent with Equity Stripping and Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance options. This practice violates federal law ( 12 C.F.R. j 1024.41 ) ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of January 10, 2014. Among other things, the rules restrict dual tracking.

6 ) Select Portfolio Servicing , Inc has established a history of misleading practices pertaining to CFPB guidelines and the Dodd-Frank Act. These violations are being addressed in the Qualified Written Request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Mortgage Research Center, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Not abiding by court filed agreement between my attorney and theirs. Read filing with court. 

Depriving veteran of entitled forbearance. 

House not included in bankruptcy. 

Veteransunited has been terrible. Customer service hangs up the phone on me and is rude because I filed for bankruptcy. 

Again, house not included in bankruptcy.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
Product: Credit reporting 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 ( Original Creditor - XXXX XXXX Account Type : Debt Buyer ) : # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-08
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I always pay my bills on time. Comenity Bank has taken over XXXX XXXX and has not sent me a statement. I normally pay all my bills by money order so its very important that I receive my statements because this is how I know to pay my bill. I don't online pay any of my bills. 
Even though I have not received a statement I called to get the address on XX/XX/XXXX so that I could send my payment off in time to reach the bank. The payment was mailed on XXXX XXXX. 
On this particular day I sent 3 bills out in the mail. The other two have posted as paid but not the one I sent to Comenity. The address that the lady on the phone gave me is Comenity Capital Bank XXXX XXXX XXXX XXXX TX XXXX. This is where I sent my {$100.00} money order. 
I don't know why this payment hasn't posted since the other two that I sent on the same day reached their destinations. It may have something to do with the fact that I have never received a statement from Comenity Bank about my payment but whatever it is it's on their end and not mine. 
When I called today, XXXX XXXX, 2023 the person I spoke with said I would most likely get a late fee if they don't receive my payment by Friday, XXXX XXXX. I reminded her that I never received a statement and that a late fee is unfair because Comenity Bank didn't do their part by sending me the statement ( acrually they haven't sent anything with my new account info ). 
I should not get penalized while they try to figure out why I haven't received a statement or any new account info from them. The bigger issue is that I do not want my credit score impacted because of their slackness. Why should my credit take a hit because of this bank transfer. I have NEVER been late on any payment that I have. As a bank they know how lateness negatively affects the credit score. They need to get this fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates is reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of the attached correspondence. Sending me billing statements DOES NOT constitute validation ; it merely establishes the existence of a debt you bought. Read the attached and govern yourselves accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-23
Company: BANCO POPULAR DE PUERTO RICO
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened my XXXX XXXX XXXX XXXX from Popular Bank Services on XX/XX/XXXX. However, the past two years, I've tried to cancel my card as soon as my annual fee was assessed. Both times I've called within days of my annual fee being assessed but I was told I can not have my annual fee refunded and my card canceled. Back in XXXX, my annual fee was assessed on XX/XX/XXXX, however this year, my annual fee was assessed on XX/XX/XXXX. So even with my XXXX calendar reminder, for the annual fee being assessed, it wasn't abundantly known when the annual fee was assessed. I've been trying to cancel the card when the annual fee time comes up. Every other credit card issuer I have had or currently have cards with, XXXX XXXX, XXXX XXXX, XXXX XXXX  or XXXX XXXX, within a reasonable amount of time of the annual fee being assessed, they allow the annual fee to be refunded and for the card to be canceled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13
Company: CITIBANK, N.A.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
We had been looking for a combine, we were checking out several auction sites and dealers online hoping to get the best combine for a good price. On XX/XX/XXXX we made contact with XXXX XXXX XXXX, from XXXX XXXX WI. about purchasing a XXXX XXXX XXXX XXXX Combine with a XXXX XXXX XXXX header with a XXXX ' length header trailer. We requested a video, at XXXX on XX/XX/XXXX. We had researched this company and were pretty confident that they were legit. We also expressed concern to our lender and they checked them out also and felt that they were reputable. By XXXX on XX/XX/XXXX we had decided to purchase the combine and started the process through email. We received the Sales Document via XXXX at XXXX and by XXXX we had received an invoice with a reference number and the Bank Wire information. We forwarded the information to our lending institution and they began the process of wiring {$22000.00} to them, which was sent on XX/XX/XXXX. we wired the down payment of {$5600.00} on the same date. On XX/XX/XXXX at XXXX we received an Email from XXXX XXXX XXXX with the shipping information and the delivery date of the combine. They were using their own trucking company. They also requested that we insure the combine which we did. The delivery date arrived, we waited to hear from the trucker. On XX/XX/XXXX we tried calling them at XXXX, XXXX, & XXXX, we finally spoke with whom we assumed was XXXX XXXX about when the combine would be delivered. He never returned our call. We called several times on XX/XX/XXXX & XX/XX/XXXX, our calls were blocked. On XX/XX/XXXX I placed a call to the Citibank Branch that their account was at. I spoke with XXXX different gentleman about my concern that my wired money was gone. Because I had the account number they were able to pull the account up and saw both of my deposit transactions and that the money was still there. He advised me to have my lending institutions immediately file a " Recall of Wire request '' Which I did. Within an hour both banks had filed it. They both also assured me that Citibank would not let me lose my money, that I was protected. That within 90 days my money would be returned. I have since tried to call them again, I can not get through to the branch. I did speak with a corporate lady she basically told me " too bad, so sad '' not their problem. She also gave me Citibank 's wire operation unit phone number, I could not reach anyone.

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 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TransUnion lowered my credit score without reason. I contacted them and they refuse to review my account.

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/XXXX I reinstated my conventional loan with XXXXXXXX XXXX, who had previously filed foreclosure. I got behind because of been laid off due to XXXX. 
I wired the full reinstatement amount ( see exhibit 'A ' ) which included the XX/XX/XXXX payment and cost & attorneys fees. I have made all payments due since XXXX XXXX present. ( see attached 10 payments ) XX/XX/XXXX has been paid but not available on my statements as yet. 
XXXX is alleging amounts owed from the foreclosure that would be classified as fees, and are being challenged by me. Let me be clear, fees & cost are NOT regular mortgage payments and can not be reported as past due mortgage payments. These amounts have been previously paid and are being challenged by the consumer as shady and questionable business practices.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the fair credit reporting act XXXX, account XXXX 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 non-monetary relief
Consumer complaint received 2021-05-11
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX XXXX my account was compromise and created a fraud ACH {$1000.00} from my savings plus {$5000.00} worth in XXXX  coin, I have try nonstop emailing the company XXXX with no luck. I can not access my account and they company hasnt responded with any services or at least to tell me your funds are save. 
All they gave me was a case number # XXXX. 
Can you please help me recover my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a Bankruptcy in XX/XX/2011 which did not go through and was closed with out discharge by the BK court which makes not an official BK. I have disputed this with XXXX over the years to have it removed on several occasions to no avail and I am not happy. It is my understanding that XXXX searches for public records with out investigation and does not care to see if the BK is legitimate or not. I was told this by the BK court. Credit Bureaus should not be allowed to do this kind of unfair, predatory and hurtful practice on consumers and they should be punished. It has been on my report for seven years something that was just filled closed with out discharge and never official. The rules need to be changed on how you the credit bureau collect a serious public record information like this. If a BK is official and goes through the courts and is approved sure it is legitimate put it on the report. If it never goes through and gets discharged or dismissed you the credit bureau should have it as a public record on that persons report therefor hurting the consumer by reporting something that was never made official and was only a filed document. I am going to request again to please have my BK removed immediately. If it is not removed I will take further action and go as high as I need to go with the Federal Government to get this removed and make sure you the credit bureau don't hurt the consumer with this unfair and predatory practice again.

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 2023-12-19
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/ I disputed an interest charge of over 100 %. When I spoke with the representative the account was corrected and I paid the remainder of {$400.00} and on XXXX XXXX  I paid the account in full with a remaining balance of {$350.00}. I requested a payoff letter and that the account to be closed. On XXXX XXXX XXXX  I received a new bill for {$800.00}. I am requesting a investigation for deceptive practices and fraud.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 FCRA, this creditor has violated my rights. Under 15 U.S.C. 1681. Sec. 602 states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( a ) sec. 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-05-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have been trying to get BMO to provide proof confirmation of lean perfection for over 3 weeks now and have gotten nothing but the run around. I was told I would get the document emailed between the XXXX and XXXX, nothing. Then I was told that they didnt have it. Then I was mailed a pay off letter. I was given in the branch on the XXXX of XXXX s letter stating that I had a loan with BMO for my car. My wife spoke to a XXXX at the XXXX XXXX XXXX on the XXXX who told her that the lien still isnt perfected and no other information. I need this document for legal purposes and have spent over 20 hours contacting bmo in the last month to no avail. I get hung up on after trying to escalate the call to get help numerous times. I need this document now. This is illegal.

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 2020-11-03
Company: Square Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have been in contact with CashApp support over the past few weeks on 2 merchant refunds that were issued by XXXX to an account I had closed back in XX/XX/2020. XXXX XXXX is the issuer of the prepaid debit card in which CashApp calls CashCard. XXXX refunded {$55.00} and {$320.00} to the debit card in XXXX and XX/XX/2020 respectively. 

I was told initially by CashApp that since my account was closed, the refunds would be returned to XXXX. I contacted XXXX last week and was told that the refunds were never returned to them and in most cases the bank will issue a check to my address if the account is closed. CashApp refuses to help me and instead insisted that I verify my identity by providing my $ XXXX from the account that I closed along with other information such as phone number, email address and mailing address associated with the account in which I was able to provide. 

They have also refused to tell me their policies for merchant refunds to a closed account. It would appear my money is inaccessible and CashApp is giving me the runaround. I have notify them that I will be filing a complaint if several solutions in which I have offered is not executed. I can't believe the obstacles I have to jump to verify my identity on a closed account. From a legal perspective, $ XXXX is not a verification criteria. I have provided my full name, mailing address, email address, and phone number along with the last 4 digits of the prepaid card. I would be happy to provide my social security information if needed to get this resolved.

Company response to consumer: Closed with explanation