BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-07
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We sent offer documents to US Bank and they said it's low and they countered the buyer 's offer. The buyer did not increase their offer but instead they provided documents such as the most recent Active and Sold Comps, Repair Bid, Letter of Explanation for Value Dispute and Single Source ROV ( Reconsideration of Value ) - filled out. We submitted these documents to US Bank and they said that since the Appraisal was conducted on XX/XX/XXXX, they need 3 sold comps within 6 months prior to that date. We would like to know why is the investor using comps for last year if it's already in XX/XX/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 2020-09-02
Company: CITIBANK, N.A.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Sears Credit Cards, XXXX XXXX, SD I never received the statement with a payment due date of XX/XX/20. Only found out when I received a phone call saying the account is past due. I then paid via electronic transfer the full amount of {$410.00} including a late fee of {$28.00} and interest of {$6.00}. I had previously signed up for paperless statements and when I did not receive one, was told that it was returned and no further communication was attempted so a service charge was put on my account. I cancelled the paperless and now the same thing is happening with mailed statements. Wondering if this is a way to add fees and charges as I never carry a balance and have an excellent credit score.

Sears Credit Cards responded that it is a valid charge.

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 2017-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
There are four accounts listed on my XXXX and Transunion credit reports that do not belong to me. They are all from the same company with different amounts showing. The company is XXXX. I have disputed these accounts and Transunion has supposedly deleted one of them off of my credit report. XXXX XXXX shows a notice which says : Collections Account Removed XXXX between XXXX XXXX, XXXX and XXXX XXXX, XXXX your XXXX collections account was removed from your credit report. My credit report dated XXXX XXXX stills shows them all on there. These accounts do not belong to me and I want them removed from my credit reports. 
Thank You for Your Time

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 2020-05-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX used vehicle loan open in XXXX went in to chapter XXXX XXXX XXXX XXXX tagged my experian report with 24 late payments when they knew the trustee was paying under my plan they knew these late pays were false when they entered them they need to be made to remove them immediately entries were made during XXXX and my chapter XXXX XXXX just discharged XX/XX/XXXX they legally could not report anything negative then the 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 2021-08-09
Company: Source Receivables Management LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Source receivable management is calling me every 30 minutes and harassing me every day after I already sent them all the proof transactions from sprint mobile company. I open an account with sprint mobile back in XX/XX/2020 it was 90days promotional lease contract after 90days then it goes to 18mos and an option to buy the phone or device. I closed my account in XX/XX/2020 and return the devices and paid off my last bill in XX/XX/2020. I sent all of the transactions emails from XXXX  company to source receivable management and couple of days later my email come back saying blocked. Not only that they have received my emails and did not like it and so they block my email address. And they put it twice now in my credit report these type of behavior should not be allowed to practice in any ways. All I want is to be removed from my credit report and thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Experian Information Solutions Inc.
State: MO
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:
According to my credit reports dated XXXX/XXXX/XXXX. XXXX XXXX XXXX has an account listed with all three credit bureaus with incomplete and or inaccurate information. They are all listing incomplete account number, all three have different account status listed. One shows with Experian closed/current/paid last updated XXXX/XXXX/XXXX, another with XXXX closed/derogatory/placed for collection updated XXXX/XXXX/XXXX, and the other XXXX closed/delinquint updated XXXX/XXXX/XXXX. I have disputed this account and it does not show my dispute on the credit reports. Two have the same phonenumber and address for the company listed the other one shows a totally different address and contact number. My disputes came back as verified. How can they come back verified if they are all showing different statuses. 
Thank You for Your Time

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 2017-12-20
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a promotional purchase with deferred interest for 6 months on my Lowes credit card, managed by XXXX XXXX. In the meantime, I made smaller purchases and have always paid off my card balance for each month or made the minimum monthly payment of {$25.00} to cover the deferred interest promotion requirements if I made no purchases. Last month, I paid off my monthly statement balance {$50.00} with an extra {$25.00} towards the promotional purchase. When I opened my statement this month, I was surprised to see interest charged to my account Thinking that maybe I paid the balance late, I checked my last statement, and it was due XXXX/XXXX/XXXX, and payment was received XXXX/XXXX/XXXX. Since the promotional purchase was not due, there should be no reason for interest to be charged to me. 

I called Synchrony, and it turns out that they decided to apply my payment differently this time. Although I only truly owed {$50.00} for last month ( not withstanding the *additional* {$25.00} payment made ), they only applied a portion of my payment towards the {$50.00} and charged me interest on the unpaid portion of the {$50.00}. This is absolutely unacceptable behavior! Their representative, XXXX, refused to explain why they did this or even what portion was of my {$75.00} payment was applied to the {$50.00} owed that month. He did agree to waive the {$0.00} interest charge. It is plainly obvious why they did this - they wanted to increase their revenue at the end of the year. While {$0.00} is n't a large sum of money, how many other customers have they done this to and likely for larger amounts. 

While the credit card statement gives the usual perfunctory legal language about " applying a payment in a different way, please call Customer Service '', it is very underhanded. This is fully reminiscent of how banks did " ordering '' to maximize overdraft fees. And, CFPB filed a lawsuit earlier this year against XXXX XXXX XXXX  on this issue, I believe. CFPB should put a stop to this as well.

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 2020-05-17
Company: Professional Accounts Service, Inc. (Indiana)
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The manager of the company XXXX XXXX threatened to sue me, get me arrested for not paying a debt he claims I owe. He stated they own the debt not XXXX plan and they are reporting on my credit report that XXXX plan owns it. He threatened to ruin my credit and did. I am trying to start a business and cant get funding due to him lying about my income, lying about my debt, telling my entire family I owe a debt and I dont believe its mine. I never got a letter from the company that he runs. He is my cousin and told my entire family about this issue and they believe I am a bad person because of his lies. Professional account services. PAS of XXXX   XXXX, in. He also threatened to to continue charging me interest on it as though it was active and he has done so. He also has cussed at me and lied about my income etc. he XXXX fed I pay immediately or suffer the consequences. he has violated all of these laws : Initial demand letters that ask for payment immediately or in less than 30 days. ( By email and phone call ) The debt collector is required to inform the consumer in the first communication or within five ( 5 ) days thereof that the consumer has thirty ( 30 ) days within which to dispute the debt, request in writing verification of the alleged debt, and/or request in writing the name and address of the original creditor. To contradict or overshadow this thirty ( 30 ) day period my violate the FDCPA, even if the debt collectors contradiction is not threatening. ( he did not inform me they held the debt I had to contact the company due to it being on my credit report as a write of of {$5300.00}.

Accusing you of having committed a crime. ( he accused me of stealing due to not paying ) Contradicting or Overshadowing of the Thirty Day Validation Notice. ( By phone ) The collector is required to inform the consumer in the first communication or within five ( 5 ) days thereof that the consumer has thirty ( 30 ) days within which to dispute the debt, request in writing verification of the
alleged debt, and/or request in writing the name and address of the original creditor. To contradict or overshadow this thirty ( 30 ) day period within which the consumer may exercise his rights violates the Act. The contradiction need not be threatening.

He was very threatening and mean and cruel.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-20
Company: Auto Trakk, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX I have contacted AutoTrakk in writing and have asked them to validate the alleged debt that they assume that I owe. I have also sent AutoTrakk a cease and desist and told them to cease all forms of communication with me through any and all mediums. Not only has AutoTrakk not responded to my request of them to validate this alleged debt, but they also continued to contact me even after I demanded them to cease all forms of communication with me which is in violation of 15 USC 1692c. ( c ). AutoTrakk is also in violation of 15 USC 1692g because they continued to attempt to collect on this alleged debt after I notified them in writing that I am disputing this alleged debt. Attached you will find their attempt to collect on this alleged debt on, XX/XX/2021. I have also attached a copy of the debt validation/cease and desist that I sent out on XX/XX/2021. I have also attached my return receipt which verified that AutoTrakk has in fact received my letter on XX/XX/2021. AutoTrakk has also continued to violate my rights by reporting this invalidated information to my consumer reports after receiving my letter in writing, which is an act of fraud. Due to the fact that AutoTrakk has completely violated my rights, under the FDCPA and FCRA. I am invoking my specified remedy as a consumer, and the original creditor and I am demanding that AutoTrakk does the following : XXXX out the balance on this account Deletion from all consumer reports Please advise this is NO LONGER a request for validation, being that AutoTrakk has violated my rights and continued to harass me while causing a substantial amount of harm to me as a consumer. This is NO LONGER a request for validation but a request for REMEDIATION. So again, I am invoking my specified remedy as a consumer, and the original creditor and I am demanding that AutoTrakk does the following : XXXX out the balance on this account Deletion from all consumer reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Self Financial Inc.
State: OH
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:
This is a loan or a card I never had ownership of they had me with two cards I only had ownership of one and the account i had ia closed but the other one I do not have access to I need it taken care of and off my credit report ita not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Northeast Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was in the process of applying for a loan and my credit report was ran on XX/XX/XXXX. It showed that I had an outstanding balance of {$1500.00} from XX/XX/XXXX with NATIONWIDE RECOVERY SYSTEMS ( NRS ) on behalf of XXXX XXXX XXXX. On XX/XX/XXXX, I called NRS to verify what this was about since I was unaware of it. I had not received a single notification about it in 4 years. They confirmed that the initial bill was mailed to an incorrect address and was returned. I gave them my correct address, informed them that I wanted to pay the balance and asked for a letter showing that the original invoice went to an incorrect address. I was told they could not provide that information because they didn't have a template letter for that. I asked to speak with a supervisor and was put in contact with XXXX XXXX. I explained to him that didn't know I had a balance with XXXX because it went to an incorrect address and that I was willing to pay it off in full now. I also asked for him to send me a letter stating that or proof that the original invoice had an incorrect address and he refused to provide me with such communication. Mr. XXXX said they could only send a confirmation letter stating that I paid the full amount. He also informed me that my other option was to dispute the charge. I wasn't going to dispute the charge since it was legit, wanted this off of my credit report and I went ahead and paid the balance because they said it would show ''PAID '' faster if I went through them rather than if I paid it through XXXX. I am absolutely disgusted with the lack of customer service Mr. XXXX provided. He offered no suggestions on how to reach a solution to my inquiry. He did not offer to find out if there was something else he could do. He only repeatedly denied my request So after some research and finding out that what I had requested ( proof that the original bill went to the wrong address ) was nothing new and outside of a reasonable request, I came here to file a complaint. I am in the fortunate position where I am able to routinely pay off my monthly bills. My credit report will show an exceptional payment history except for this one incident. It is nearly impossible to pay an invoice when you are unaware that you even have one. Debt collection agencies are very quick to make folks lives difficult and when they have an opportunity to assist with a simple gesture, they refuse that service. Nobody wins. That is sad and unfortunate and I believe there needs to be better training - especially at the managerial level at NRS.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-07
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XX/XX/2019 a mobile deposit was made to my secured credit card with Wells Fargo Bank, in the amount of {$530.00} and change. On XXXX XX/XX/2019 the money was made available to my card, ( card number not available to me as it was reported lost by me on XXXX XX/XX/2019. On XXXX XX/XX/2019, Wells Fargo bank did not report to me that the money was returned, UNPAID! The mobile deposit was paid by a friends sister. I found out the money was returned by looking at my online account and noticed my account closed. That the balance due is over {$850.00}. My secured credit card has an available balance of just {$300.00}. When the mobile deposit was made on XXXX XXXX, the money sent, {$530.00} and change paid off the entire balance due! When the {$300.00} became available to me on XXXX XXXX, I spent {$280.00} plus ATM charges and advanced payment charges, not yet told or shown on my online account. So, how in the world is Wells Fargo bank, holding me liable, closing my secured credit card and ruining my chances of increasing my credit score by making on time payment and closing the card. Why am I liable for the {$530.00} in returned GOOD FUNDS. A mobile deposit can not be made unless the funds are available and are instantly sent! This is the third time Wells Fargo bank has done this to me! I want my secured credit card account re opened. I want the {$530.00} taken off of my balance due immediately. The prior two times a mobile deposit was returned was in the amount of {$610.00}, twice, that I later, foolishly paid them. I also the amount of those two mobile deposits returned to my checking account with Wells Fargo. That's a total of {$1200.00} plus the most recent returned mobile deposit for {$530.00} returned to me immediately! Thank you. Wells Fargo bank is simply an organized crime syndicate stealing money from its own customers! The many lies told to me include by a woman in the executive office of credit cards on the phone lied and told me that the deposit was a " bad check "! If it were a bad check, why are they not doing a criminal investigation as required by law?

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 2019-02-21
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Coinbase.com represented on their website, and app, that a money transfers take 3-5 business days to complete before funds are available to transfer out ( such as transferring to another cryptocurrency exchange ). After I submitted the money transfer ( on XX/XX/XXXX ) I received a confirmation email stating the funds will not be available to transfer until XX/XX/XXXX. That's 13 business days ( 17 calendar days ). 

They misrepresented the time scale by almost double. Locking up my funds, past an important date for a specific crypto investment I was going to make at another crypto exchange.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
loan XXXX I've had my home 17 years The loan recently is serviced by Loan Care I received a debt validation letter dated XX/XX/2019 Loan Care does not want to honor

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 2019-06-06
Company: Experian Information Solutions Inc.
State: GA
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've spoke to XXXX Bank and they have not provided information about proof of any contract in my name however, I have a document with the name of the debtor and account number with payment history and it does not reflect any information pertaining to my name or personal information. This loan is from the State of Illinois not from XXXX where I reside. The executive agent I spoke with XXXX did not want to remove this information from being reported on my credit file. I was not expecting any problems from this company XXXX to remove inaccurate reporting information off my report, it seems to be some confusion that I can not identify when it is clearly an issue with discrepancy with the names and addresses attached to the account being reported and XXXX is ignoring the facts and violating my consumer rights and laws from the ( FCRA ) Fair Credit Reporting Act.

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 2017-08-07
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Santander provided information back and is in accurate. They have dates and my name not spelled right. They also continue to deceive people. It 's deception and I was never told about a lot of this info. I have contacted them over and over. I have tried to resolve this without going to an attorney. They are subprime auto loans and should not be a company. They are very rude and also made numerous calls to my place of work.

Company response to consumer: Closed with explanation