BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-28
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a condo here in XXXX just over a year ago and have been making monthly payments for the last year. 
a few months ago I started receiving email messages that THE INSURANCE ON THE CONDO HAD LAPST. I contacted the XXXX  insurance company and they looked it up and said my insurance is current. Mortgage company said they would be putting FORCED COVERAGE ON CONDO IF I DIDNOT SHOW PROOF OF INSURANCE ) I continued to receive notices and when I called the computer generated message it said my insurance had expired last XXXX ( I only bought the condo about XXXX XXXX. I called XXXX insurance back and they continued to show insurance was current. I had XXXX FAX PROOF OF INSURANCE TO THEM. 
I continued getting notices on expired insurance and finally got a real human to answer the phone and they said EXPIRED INSURANCE WAS FOR LAST YEAR! 
I was able to get ahold of XXXX again and they FAXED PROOF OF INSURANCE FOR LAST YEAR. 
On XXXX I faxed the letter from XXXX XXXX of XXXX XXXX XXXX XXXX ) showing I always had insurance since I bought the condo. 
On XXXX I received my statement from LOANCARE SHOWING THEY HAD TAKEN XXXX OUT OF ESCROW TO PAY THE INSURANCE. 
LOANCARE is very bad about answering the phone and refuses to refund the {$870.00} money taken out of escrow. 
thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have been disputing with all major bureaus against inaccurate and unverified collection accounts on my credit reports. I have sent letters asking for verification and method of investigation for verification for the collection accounts listed below. I have also sent debt validation letters to each collection agency for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to collection agencies. I have yet to receive any response from either any of the bureaus or any one of the collection agencies. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. 

Also, the bureaus have been reporting collection agencies own the same accounts. With Experian, as of XX/XX/18, it shows that XXXX XXXX XXXX collection agency owns XXXX XXXX at {$1200.00} and XXXX XXXX collection agency owns XXXX XXXX at {$360.00}. However, XXXX, as of XX/XX/18, shows that XXXX XXXX collection agency owns XXXX XXXX at {$360.00}, XXXX XXXX XXXX collection agency owns XXXX XXXX at {$1200.00}, and XXXX XXXX XXXX collection agency owns the same XXXX XXXX account listed with XXXX XXXX at {$770.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me get these inaccurate and unverified accounts deleted from all three major bureaus and collection agencies. I have been fighting with them about these accounts for over three months. I listed the inaccurate and unverified accounts below. 

Experian - as of XX/XX/18 - XXXX XXXX XXXX collection agency - XXXX XXXX - {$1200.00}. XXXX XXXX collection agency - XXXX XXXX - {$360.00}. 

XXXX - as of XX/XX/18 - XXXX XXXX collection agency - XXXX XXXX - {$360.00}. XXXX XXXX XXXX collection agency - XXXX XXXX - {$1200.00}. XXXX   XXXX XXXX collection agency - the same XXXX XXXX account that listed with XXXX XXXX collection agency - {$770.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26
Company: Bread Financial Holdings, Inc.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The results of this complaint will be shared with the House Oversight Committee. 

XXXX XXXX has been harassing and defaming me. They have refused to follow federal law regarding quality of goods and services purchased with a credit card. 

They have defamed me and falsely claimed that they received defamatory information from XXXX, which they did not. When confronted with that lie, they claim that they had a duty to report negative information -- still NO BANKRUPTCY EXISTS so that is defamatory in and of itself. 

These are things they and CFPB will need to answer in the coming hearing on why the CFPB is not doing its job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Because of lost income, I notified my credit card providers in XXXX that I was no longer able to make monthly minimum payments and asked them to reduce the amount due until I can get back on my feet. One of them, XXXX XXXX, immediately worked out with me a plan to reduce the amount and lower the interest rate in the interim. But one of them, Citi Visa ( XXXX ) declined to working out a plan with me. I told the bank that all I would be able to pay via online payments is {$100.00} a month in order to keep the account open which I have been doing. But, not only am I accruing monthly fees by the bank 's refusal to work out a plan with me as XXXX did but I am receiving on a daily basis anywhere from 4 to 6 robo annoying calls which is a total violation of my rights. I want Citibank to work with me during this personal financial crisis and stop harassing me.

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 2018-03-20
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made an agreement with the XXXX XXXX courts to payoff amount of XXXX dollars to XXXX XXXX   XXXX in XXXX Arizona who was representing XXXX XXXX of XXXX XXXX, CA. I agreed to pay XXXX dollars biweekly which I did and paid of and settled the account XX/XX/XXXX.  Midland still shows a balance originally of XXXX dollars which I paid XX/XX/XXXX whci was my last payment. Then on XX/XX/XXXX XXXX increased the amount owed by XXXX dollars. I called them to ask them to remove the collection off my account and it is still on the report. They promised to remove it by XX/XX/XXXX and it is still there. They have been very difficult to work with and hard to understand. I just want this paid off collection to be taken of my report I am trying to buy a house and I did do my due diligence to pay my debt they should remove it a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased three tickets from a ticket reseller to a XXXX XXXX  race on XX/XX/XXXX with my Capital One Visa credit card. The race was schedule to occur XXXX XXXX of XXXX. The ticket purchase was billed in 6 installment payments, totaling {$3500.00}. The payments and dates were as follows : {$590.00} on XX/XX/XXXX ; {$580.00} on XX/XX/XXXX ; {$600.00} on XX/XX/XXXX ; {$590.00} on XX/XX/XXXX ; {$580.00} on XX/XX/XXXX ; {$550.00} on XX/XX/XXXX. 
The race was postponed due to the COVID-19 pandemic in XXXX, XXXX and ultimately cancelled on XX/XX/XXXX. On XX/XX/XXXX, the ticket reseller sent an email offering a refund within 60 days of XX/XX/XXXX. On XX/XX/XXXX, the ticket reseller sent me an email with an estimated refund date to occur in XXXX, XXXX. The ticket reseller sent emails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating my refund has been delayed. 
Capital Ones dispute policy ( https : //www.capitalone.com/support-center/credit-cards/disputes ) states that A credit card dispute is a process in which you contest that there is a billing error on your account or that a merchant did not honor their terms and conditions. I initiated a dispute with Capital One on XX/XX/XXXX because the ticket reseller did not honor their terms of providing a refund within 60 days. Capital One requested supporting information by XX/XX/XXXX. I provided the supporting information via fax on XX/XX/XXXX. Capital One sent a letter dated XX/XX/XXXX, before the deadline to provide information, that my dispute was not resolved in my favor and has been closed. The reason Capital One provided was that I did not provide the information by the deadline. After I received the letter stating my dispute was closed on XX/XX/XXXX, I immediately called Capital One to ask why my dispute was closed when I provided the supporting information a week before the deadline. The representative on the phone confirmed that Capital One received my fax on XX/XX/XXXX, before the deadline, but informed that Capital One would not have resolved the dispute in my favor because I initiated it 60 days after purchase. 
Capital Ones dispute policy, linked above, does not say a dispute must be made within 60 days of purchase. This is unfair to me because of the long timeline for this purchase. It is not realistic to require me to initiate a dispute within 60 days of a purchase when the race wasnt even cancelled until almost 9 months after the purchase, and the ticket reseller has clearly not met their commitment to provide a refund within 60 days of XX/XX/XXXX. 

I have attached the 6 credit card statements from Capital One with the charges in dispute highlighted in yellow.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-26
Company: Metro Collection Service Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XXXX XXXX and a XXXX moving company is seeking payment in full for services that were not rendered according to contractual agreement in XX/XX/XXXX. 
They have retained the services of XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, Building XXXX, XXXX XXXX ; XXXX, CO XXXX ; Phone : XXXX XXXX ; Fax : XXXX ; Direct Dial : XXXX ). 
These services were brought to my attention after I'd moved from Colorado in XX/XX/XXXX, and after having sought to settle the invoice via multiple emails, phone calls, and attempts via the web info source. I have kept all voicemails, emails, and other records of attempts to mediate. The last attempt that was made by XXXX XXXX   XXXX XXXX XXXX was through customer service agent XXXX ( no last name known ) at ( XXXX ) XXXX on Wednesday, XX/XX/XXXX at XXXX MST, where he indicated that he'd received my most recent voicemail, and said " ... the situation does seem like it's a little bit out of my area, so what I'm gon na do for you ma'am is I'm gon na pass this along to my manager so you can speak with him about that and I'm pretty positive he's gon na go ahead and get you figured out, but I did wan na leave you a voicemail to know that we are aware of the situation. I apologize on behalf of the company for how your move went. '' There was no further attempt on behalf of XXXX XXXX XXXX XXXX XXXX to resolve the invoice, and no further replies to any emails or phone calls made by me to them. 

At the end of XX/XX/XXXX, a letter was forwarded to my new address in Virginia indicating that my invoice had been sent to collection in care of account manager XXXX XXXX of Metro Collection Service in XXXX, CO. Upon contacting them, they informed me that XXXX XXXX XXXX XXXX XXXX refused any further attempts to settle the debt outside of collection. 

The invoice was questioned due to the movers showing up late, without packing materials which I then had to go purchase at a hardware store, taking 5 hours longer than invoiced, staining carpets, and smoking marijuana on the property. 

This is an unjust attempt to collect a debt that is not owed. 

XXXX, XXXX XXXX United States XXXX, Retired XXXX XXXX XXXXr Deployed to XXXX Please contact via email at XXXX or at my company email XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Coinbase, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2018 I withdrew XXXX from my XXXX account and transferred it to Coinbase. 
I should have changed the coins back to bitcoin before transferring, I know it was my mistake. It was {$9200.00}. 
I contacted XXXX and they said there was nothing they can do because the funds left there and went to a coinbase address. 
I contacted coinbase and here is the response I got back from them. 

Good day! 

Thanks for hanging in there while we investigated this case. 

Prior support personnel were correct in their assessment. Under no circumstances is anyone encouraged or allowed to send digital currency that is not accepted by XXXX, as these funds will be not be capable of being retrieved. 

For more info feel free to peruse here. XXXX XXXX XXXX XXXX My apologies that there isnt more we can do. 

Have a great day, and thanks for using Coinbase! 

XXXX Coinbase Support I contacted XXXX XXXX ( the coins I sent ) and they said they would work with Coinbase on retrieving the funds. 
This is the response I got from tether who said they would help, but coinbase still refused to pull back the funds. 
Dear Coinbase support, I have unfortunately accidentally transferred XXXX USD to my Coinbase address XXXX Unfortunately while you may not directly support these funds they are still now owned/controlled by this address you control. The XXXX team is more than willing to work with you on the recovery process if you will work with them. Can you please reach out to their representative at XXXX for additional information on how to recover and return the funds. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed a credit account Portfolio Recovery Services 3 times in the last 3 months with the Consumer FInancial Protection Bureau. Portfolio Recovery Services has lied each time and said they were unaware of the dispute of this account and each and every dispute complaint is on file with the Consumer Financail Protection Bureau records. I also have spoken to two seperate reps on a recorded line in XX/XX/XXXX explaining the account is not valid- This alone shows that Portfolio Recovery Services is no honest in its collection practices. 

Secondly, I request copies of debt validation. Portfolio Recovery sent a document supposedly they have from the previous creditor dated XX/XX/XXXX with the address of XXXX XXXX XXXX and the letter dated XX/XX/XXXX was mailed to another address which does not belong to me. Portfolio Recovery forged this letter of collection because there have filed this claim to this debt illegally. Please provide detail on where this address was found and why you use this address. 

Also the debt letter that Portfolio Provided from the previous creditor has the amount of XXXX but the the final bill, which I deny is my account has a balance of XXXX. Can Portfolio please provide details on the accounting records for this account. How did they calculate the balance owed? 

Please provide the answer and response with in 15 Business days as this is a formal request- I believe that Portfolio has violated my FCRA and FCDPA rights and are in violation of multiple laws

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: LoanCare, LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
this complaint is against XXXX XXXX loan care. they are the collection arm for our loan. 
Everything was fine until XX/XX/2020. I think that was the point when our 1st was paid off and our ballon 2nd began. for what ever the reason their platform can not handle it. 
as you can see by looking at the attached payment history between XX/XX/XXXX and XX/XX/XXXX we paid them {$12000.00} but instead of the loan going down it started going up. you will also see that {$6000.00} of our money has not been applied to the loan. And to add insult to injury their junk system reported us as late to the credit score keepers, blowing a big hole in the side of our credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter in the mail from Synchrony Home Credit Card stating that a card was opened in my name on XX/XX/21. It was sent to my parents home address where my XXXX credit card is billed to, which is why I am just now seeing it. I have not opened a card with this company and am worried that someone used my name to open a card.

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 2019-08-08
Company: EQUIFAX, INC.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX, 2019 XXXX XXXX. XXXX XXXX Application Number XXXX XXXX, WY XXXX Weve helped protect your identity. 
Dear XXXX XXXX : Were XXXX XXXX XXXX and we handle everything related to the XXXX XXXX XXXX XXXX XXXX credit card. 
We received the correspondence you sent to the Consumer Financial Protection Bureau ( XXXX. No. XXXX ). You indicate an application was submitted for a XXXXXXXX XXXX  XXXX XXXX credit card using your personal information. You did not authorize anyone to view your credit file and state it is a violation of the FCRA. You request documentation validating your authorization or the inquiry deleted from your credit file immediately. 
No account was opened in your name. We requested the credit reporting agencies remove the inquiry from your credit report. It may take up to 45 days for the credit reporting agencies to update your credit report. 
We suggest you take the following steps to help protect your identity :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I contacted Chase auto finance to inquire about a deferment to offsite unexpected moving expenses. I was read disclosures about the deferment being approved, including the new loan terms. I was advised my gap policy would expire on the original loan expiration date. I was told to cancel my autopay so I didn't pay during the agreed upon deferment. Then I was transferred to someone else who told me they apologized for the misinformation I was provided but I didn't qualify for a deferment. At which point I asked to speak with a manager. The managwr assured me they would do two things. 1. Send the coaching opp to the manager of the first agent I spoke with. 2. Have the call reviewed for reconsideration for the deferment by the second agent I spoke with and that I'd receive a call back within 48 hours. 2 days later and still no call. So I call back and speak with a different manager who says I have no follow up scheduled and that the issue was resolved the first call. After going back and forth with him for a while he said he's open a case and have the first manager I spoke to call me within the day. It's now been 3 business days and I've not heard from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
They were told that someone without permission using my card account number and I file the disputes right away and they didnt want to help me with the disputes and closed my account out and refused to refund my money back or anything else and also someone send me a XXXX XXXX  payment and I transfer it to my account and they refuse to let me have it and told me that I dont have the right spelling of my name from the sender so I told them if I can not get my money then please refund it back to the sender account and they told me that they cant do that because its a security reason and they are keeping it until they figured out what they want to do with it all this is totally wrong and I dont know what to do about this anymore but Im being scammed and robbed by this company called NetSpend please help me with this matter they have taken {$860.00} from me and dont want to return my money back to me thanks for your help looking forward to hearing from you guys soon XXXX bless

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