BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Portfolio Recovery has called me at different hours of the day or night and on weekends. I have told them to stop calling and have notified them in writing to stop calling. They are trying to collect on an old credit card debt that has past the statute of limitations in South Carolina, which is three years. The letter was sent on XX/XX/2020 and the last phone call received from them was XX/XX/2020. I told the lady who called that I have notified them in writing to stop calling and she said she would not because I would not give her my information. I told her I have already done that in writing and would not give it over the phone. I believe they are using collection tactics to try and restart the statute of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I purchased a smart tv, when I found a great deal at XXXX XXXX. I found their advertisements to work really good for me. 
Sign up for zero % interest for 24 months and get an extra 15 % off XXXX XXXXSynchrony Credit Card. 15 % credited back to your credit card. 
I have called, and I have emailed this credit card comapny they told me it would take a few payments to give this 15 % credit. I purchased this tv XX/XX/XXXX! 
My last contact with this company was to both XXXX XXXX XXXX and Synchrony Credit Card XX/XX/XXXX and XXXX, XXXX. 
I have been ignored and given nothing but the run around. I still haven't heard anything from either company since!! This is totally unfair and fraudulent. 
Please help Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX 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 monetary relief
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-08-15
Company: Receivables Performance Management, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX sent my debt to a collection agency. The agency was called " Receivables Performance Management. '' This agency sent me a letter stating that if I paid XXXX by XX/XX/18, that the remainder would be forgiven, and the balance be considered " settled in full '' and those words were in BOLD font. After reading the letter I received, I was given to understand that I would not receive a forgiveness of debt XXXX, that this was a " settled debt ''. 

I called in to confirm that this was correct, and identified myself and stated that I would do so. they wanted credit card payment but I stated I would be sending a check. They said it had to be received by XX/XX/18. I accepted the offer and complied. 

I sent the check on XX/XX/18, and it cleared my bank XX/XX/18 in the exact amount stated on the letter from Receivables Performance Management , LLC. 

I was declined for a car loan yesterday by XXXX XXXX XXXX XXXX due to this derogatory information. I can only assume my credit score would be improved if this had been corrected in XXXX when it was paid. 

I went to a XXXX store today and was connected DIRECTLY from their store line XXXX to XXXX XXXX XXXX, who ( XXXX XXXX ) stated that they " had no North Carolina Insurance Permit '' and that I owed the remaining {$440.00}. They said that they had been assigned the debt on XX/XX/18, and specifically stated that XXXX had assigned the debt to them. I am also enclosing an email from XXXX XXXX dated today showing my debt is marked " no balance due. ". 

As I was inside the XXXX Store ( 3rd party retailer ) the Customer Service Agent heard the XXXX XXXX  person say that " only XXXX '' could correct this and the XXXX person say that " they had no control '' over this debt. 

It appears that XXXX sold this debt twice. It was clearly assigned to RPM, LLC and I met their offer and timely replied. RPM gave it back or sold it to XXXX XXXX. I even got an email today showing a " confirmation number '' of paid in full from RPM. Settled in full means settled in full. It doesn't mean another go round. 

My bank, through their online bill pay system put the phrase " payment on account '' instead of " payment in full settlement of a disputed amount '' on the memo line. I was unfamiliar with the online bill pay system and put the " comment '' field different from the " invoice '' field, and so it did not say " settled in full '' on the check, but my bank has an internal record of that request. I am not upset at the bank, they did their part and sent the check to the collection agency.

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 2021-09-01
Company: EQUIFAX, INC.
State: CA
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 recently filed a report with XXXX, XXXX  and Equifax  of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
REGIONS BANK had the wrong address on file for me which I corrected my address on my online profile. 

I requested to have a debit card sent to my correct address and they are saying I have to come to a branch to speak with a banker. 


I work XXXX to XXXX from Monday from Saturday and I can not afford to take time off work am already in trouble at work for missing a day when I went to sign up for Regions Bank . 

I need to get a debit card sent to my address on file immediately! I recently set up direct deposit and so now Im going to have all my money going to my Regions account, but I don't have a card to spend my money!

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 2016-10-19
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Equifax Report Personal Information : Please remove incorrect name : XXXX XXXX XXXX from credit report Address : Need address corrected from XXXX, VA XXXX to XXXX XXXX, VA XXXX XXXX Two addresses need to be added to credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
THIS IS REGARDING LOAN NUMBER XXXX WITH XXXX XXXX. 
OCWEN MORTGAGE IS A PREDATORY AND DISHONEST MORTGAGE LOAN SERVICING COMPANY THAT PURCHASED THIS LOAN FROM GMAC MORTGAGE. 
IN THE MONTH OF XXXX 2017 I MADE 4 PRINCIPLE PAYMENT TO THIS LOAN IN ADDITION TO THE REGULAR MONTHLY. THEY EQUALED {$10000.00}. 
IN XXXX I MADE 2 ADDITIONAL PAYMENTS TO PRINCIPLE OF {$1100.00} FOR A TOTAL OF {$2500.00}. THESE PAYMENTS WERE MADE ON OCWENS CONSUMER WEBSITE AND WERE ALL DESIGNATED AS PRINCIPLE ONLY. 
THEY HAVE NOT BEEN APPLIED PROPERLY AND OCWEN HAS NOT REDUCED MY MORTGAGE PRINCIPLE BALANCE TO THE CORRECT AMOUNT EFFECTIVE AS OF TODAY. XXXX IS A PREDATORY MORTGAGE SERVICE CO MAMGED BY THIEVES.

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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Three Fraud Student Loan accounts and Inquiries appearing on my credit report appearing on my credit. 

XXXX. XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2023-03-31
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo - erroneous over draft fees constantly - 1 ) I have overdraft protection 2 ) they charge me overdraft fees on every transaction if my account was negative or not

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 2020-10-30
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to you about the following Kimball Tirey & St John account # XXXX, original creditor : XXXX XXXX XXXX XXXX opened date : XX/XX/2014, original amount : {$5800.00}. 

This company has fail to do the right thing. They are committing so many violations by re-aging the account, conflicting report from one bureau to another, negligence and unfair practices. 

I am demanding to get the item off my reports as a compensation for all the violations and damages ( psychological stress, credit score drop, blocking me from getting credit cards, high interest rates in actual loans ). 

Attached documentation. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Hello, Last year I applied for a rate reduction program due to financial hardship that made if difficult to make my monthly payment. At the time, my spouse was unemployed and we only have one income for a family of XXXX. I have been making the payments monthly as my spouse was able to get another job. Recently, he became unemployed again and that has put us in another financial bind, causing my XX/XX/XXXX and XX/XX/XXXX payments to be missed. We are struggling and have to figure out how well make it day by day with food for us all, gas, rent, etc. Weve even had our two vehicles repossessed and had to borrow money to get our vehicles back so we can get to work. My loan is only eligible for 12 months on forbearance that I used years ago as a young student not understanding the terms. This loan was even originated for a school ( XXXX XXXX XXXX, XXXX, PA ) that lied to me about the degree I enrolled to receive and did not tell me that I was instead receiving a certificate until several months of attending. I am not stuck with a loan that has no impact on my career and nothing to show for. 

I want to make payments under the reduced plan even though that is even an amount that I struggle to make, but can not afford the past due balance. I called Navient and was advised there were no options available other than to make the payment or be negatively credit reported by XX/XX/XXXX. 

I have absolutely {$0.00} in our bank accounts and even now trying to figure out how to feed my family. Because the {$150.00} is even difficult to afford, I plan on canceling the Direct Debit so that I can make biweekly payments as the one large payment monthly is very difficult with now a family of XXXX and limited income. Please help me in having some success in repaying the student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: NATIONSTAR MORTGAGE LLC
State: SC
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
We had a mortgage through Nation Star, last XX/XX/2016 we sold the double wide & XXXX acres.. to date I still have NOT received title to double wide. I now have spent hours calling them .... to avail .... I was told my issue has been accelerated.. but that was a month ago ... .. STILL no word or title ... this is 10 months now ... .I need help please ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage lender is harassing, neglecting, and utilizing abusive practice .... 
Mortgage lender, claims account balance owed, when records are incorrect. 
we have contact and requested to investigate. Per reps, they can see issue on the phone and constantly say it will be fix ... nothing has been done after 30 days ... 
receive letters, of foreclosure, late fees, and calls ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This has honestly been an horrible experience for me. We got behind in our payments because of death and job loss over the last year. However, when we applied for our home modification last year they increased our payments by {$1100.00}. We asked why our payments went up the response was " if was how we filed the paperwork ''. I do n't understand ; did n't Nationstar Mortgage give us the application? Yes. So how did we mess it up? They refused to talk to me when I call and have some of the most irritating people that answer the phones. Fast forward we are now facing foreclosure. I called and asked for a reinstatement about and they could n't tell me. Then I asked for a proper home modification application and they refuse to give me the papers. They also have people coming to my door constantly asking dumb questions. For example, the last man came and asked how lived here. So I said please leave my property because this is illegal and you know it. Moreover, the rep. Told me that we have other options but he ca n't tell me what they are. WHAT!! I fell like I 'm talking to a brick wall with these people. Also I got so frustrated that a VA rep. contacted us and volunteered to call Nationstar Mortgage with us to get some answer. She got so mad at them I honestly think that she was mind blown on how they refused to answer to her. All I can say is that I am tired of the stalling tactics and illegal works. I honestly can say that they do n't care about you and your family. All they want is money and even when you do that they are still not happy. Oh and let 's not mention the fact that they never honored our XXXX VA XXXX XXXX Escrow exemption that 's given by the county clerks office. Straight crocks. I wonder if the CEO knows what his company is doing to our veterans and their families? I think that I will write home a letter!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: OH
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 submitted a letter to the XXXX Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 an 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 2021-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Bank of America is retaliating against me for placing the initial consumer complaint. As a result, they have frozen my account. When I attempted to use my account on Sunday, XX/XX/XXXX, the retail representative said that this card has been reported stolen. I immediately contacted Bank of America and spoke with XXXX, ID XXXX, he informed me that my accounts were frozen. He advised that a letter was mailed to me on XX/XX/XXXX, As of XX/XX/XXXX at XXXX, I have not received any notice. 

I attempted to access my account online and it advised that the User ID is no longer valid. I called Bank of America again, an a representative created a new user ID for me. With this new user ID, I accessed the account, and transferred the funds out of it. I also was able to download all of the account activity. 

Currently, there are balances in my Bank of America accounts but they froze my account, and prohibited me from transferring funds out of it, and is charging banking fees of {$29.00}. I went into the Branch located at XXXX XXXX XXXX, XXXX, MD XXXX and discussed this matter with the Branch Manager. She attempted to assist me but informed me that the account is in frozen status, and she will not be able to do anything on the account. She informed me to contact the Risk Department. 

I contacted the Risk Department at XXXX and provided them the answers to their security questions. After doing so, the Agent XXXX advised that she is having trouble authenticating the account and informed me to go into the Branch to gain access to the account. I informed her that I was at the Branch and the manger advised that I need to get in touch with the Risk Dept. 

While still on the phone with XXXX, I went into the Branch at XXXX XXXX XXXX, and handed the phone to the Branch Manager. The Branch manager, provided the representative her information, and the representative advised that she will not be able to speak with the Branch manager. 

I will like my funds returned to me immediately, Remove the fees that you have charged my account, and provide me interest on the funds that I did not have access to.

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 2019-01-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submitted a dispute to USAA and over the last several months, USAA has not properly investigated my disputes. They have instead closed my disputes and reversed the charges without a proper and though investigation.

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