BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have reached out to this company multiple times and I have heard nothing from them in regards to properly validating this account. They began to harass me via email and phone after I requested validation. I then told them to cease and desist via letter and they have continued to harass me with emails. I even reached out to the bureaus to have this resolved to no avail. I have reached out to them on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. [ These are just the ones I have green slips and letters for which are attached ].

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX, I first attempted to open up a premier checking account online, which is required in order to qualify for a bonus XXXX {$600.00} ). 
Account was not opened, reason ; unable to verify my identity. 
Called the bank for assistance and was given misleading inaccurate information and was told to reapply after 48 hours. 
Checked all 4 of my credit files to make sure the information contained within was accurate as suggested by HSBC  representative. 
Waited the 48 Hours as was suggested to reapply on XX/XX/XXXX, with the same results ; declined unable to verify identity. Tried again 1 hour later adding an additional product savings account, decline same reason. Call back again was told to wait 72 hours, it was suggested that the system was Auto declining me. 
Waited and called them again for assistance, received the same scripted answers, transferred multiple times ( 3 ) with no results. not one representative was able to assist me. Called back the department designated to assist people with XXXX on XX/XX/XXXX. Was able to speak to a representative who tried help. He was very frustrated receiving the same conclusion. he could not provide a complete explanation on why the decline was happening. 
He was going to check out my options, but has not contacted me back to me in the timeframe he stipulated. 
The bonus program I was applying for is expiring XXXX XXXX. 
I won't be able comply with the requirements because of The bank 's Discriminatory practices prohibited me from opening this account. They offered no Accommodation for me. They offered a product bonus with no intent to honor the offer. Unlawful business practice. They used Discriminatory barriers to prohibit customers verification through other lawful methods. 
Application ID # s ; XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I applied for SBA loan and they deposited money to my account but chase bank closed my account and hold the loan money and my personal money about 2.5 months, the SBA company told me this money is right and nothing is wrong and chase bank have to open your account but the chase bank told me you have to give us EIN number but I explained to them I don't have EIN number because I am a XXXX XXXX ( XXXX, XXXX ) and sole proprietor, chase bank wanted me to send all my documents such a tax papers, CPA later from lower, SBA approval documents and I did, anyway they don't accept to open my account. 

MY APPLICATION NUMBER ( SBA ) ( XXXX ) : XXXX MY APPLICATION NUMBER ( SBA ) ( XXXX  ) : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My wife and I are attaching a copy of the letter we sent to the credit bureaus, asking for a credit investigation. More than 30 days have past, and we have not gotten responses yet. The bureaus are supposed to respond within 30 days.

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 2018-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A loan was taken out with Bank of America in XXXX for a conventional loan. The loan was financed with 5 % down which incurred a monthly private mortgage insurance ( PMI ) fee. This loan was subsequently sold to XXXX XXXX making XXXX XXXX the loan holder. In XXXX, as the property value had increased, and the loan was paid down, an appraisal was made by a lender approved appraisal company, XXXX XXXX, indicating that the current loan to value ratio was at 79 %. Since XXXX XXXX indicates that they would remove PMI when the LTV is less than 80 % the PMI at that point should have been removed. Bank of America which no longer owns the loans should not be allowed to charge a PMI when XXXX XXXX does not charge it. The Homeowner Protection Act indicates that the law was intended to protect against Excessive PMI coverage that provides little extra protection for a lender and does not benefit the borrower. By setting an arbitrary requirement below what the loan holder, XXXX XXXX, is requesting, Bank of America is violating the spirit of the law. Anything in excess of this requirement would be considered Unearned Premium. Bank of America is insuring a product that they do not own, and this is costing the borrower thousands of dollars with no benefit. 

Bank of America also states that a request to remove the PMI can be made when LTV is under 80 %. This becomes a moot statement if the request can be denied even when the assessed LTV is under 80 %. Bank of America should not be allowed to set limits below LTV limits below what is 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 2019-04-07
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted by a debt collector about a delinquent credit card account that is not mine. The debt was sold to the debt collector by Citi and they were provided with my information even though the account is not mine. I have contacted Citi several times about the account have been told to contact a " client resolutions '' phone number, but when I call the number it simply hangs up.

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 2021-03-29
Company: Santander Consumer USA Holdings Inc.
State: NY
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:
Santander has been reporting incorrectly for a car loan that was established in XXXX and was included in my Chapter XXXX bankruptcy in XX/XX/XXXX and discharged in XX/XX/XXXX. They are reporting it as XXXX charge-offs and transferred to another lender. This is greatly effecting my credit score which I have been trying very hard to re-establish. I have tried on a few occasions already to dispute and have corrected by the credit agencies and the lender. This needs to be rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Funding LLC appears on my credit reports for an account that went into collection. I contacted them to pay the debt and was told they sent the account to a law firm called XXXX XXXX XXXX  XXXX and gave the contact info for them. I contacted them and paid the $ XXXX dollars that was owed. I have a letter from XXXX XXXX XXXX XXXX proving I paid in full and owe nothing else. I also received a letter from the Magistrate Court in my area showing the case they filed, but never went to trial, has been dismissed with prejudice meaning they can not attempt to sue me in the future due to the fact that I paid. Now, about a month later, Midland Funding LLC is reporting a debt of {$180.00} referencing the same account number. I called Midland Funding LLC and spoke with a " Mr XXXX  '' ( script name for sure ) and asked why are they still reporting an unpaid debt and where did this amount come from? He said its being handled by another dept and attempted to transfer me. After being on hold for about 10 minutes, Mr XXXX came back on and said that dept has left for the day and I should call back the next day before XXXX ; XXXX. I keep getting the runaround from this company. They never attempted to contact me about this {$180.00}, This seems pretty strange to me since I paid in full and have a letter stating such. And I have a letter from the court saying this has been dismissed SINCE I PAID. If Midland Funding LLC feels that I still owe them {$180.00} why dont they send a letter or a bill? No, they just go straight to the credit report. I feel like Midland Funding LLC is attempting to extort money from me they are not owed. They are holding my credit report hostage. Im disputing the debt with the credit bureaus but we all know how that goes. It takes some time. This company does not want people to get out of debt. And in fact they ignore a judges order of dismissal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a 100 % XXXX Veteran in Texas, and have applied for and received a 100 % property tax exemption from my county ( XXXX County Appraisal District ) as of XX/XX/2021. 

In early XXXX, I submitted the forms from the appraisal district and the VA to the mortgage servicer, PHH Mortgage ( XXXX XXXX XXXX ). Originally, I was told that they would re-calculate my monthly payment in XXXX days, and send me a refund in my escrow in 7-10 days. 

However, on XX/XX/XXXX, I called PHH to check on the status of the issue. I was told that PHH will not adjust my tax estimate until XX/XX/2021. 

My monthly mortgage payment is approximately {$1700.00}. An additional {$1100.00} was due each month for property taxes prior to my 100 % VA XXXX rating. Now that they refuse to honor my exemption, they will be collecting an additional {$10000.00} over the year that I don't owe them. 

Please help! This is predatory and deceptive behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Around the beginning of XXXX of XXXX, I sent DMV paper work along with a Check of approx. {$360.00} to my car lien holder capital one. Capital one forwarded everything to the XXXX  DMV. I was trying to transfer my car registration to the State of XXXX. 

In XX/XX/XXXX, I decided to cancel the whole process to save myself a little money just in case I end up going back to XXXX  so I figured Id wait it out. 

End of XX/XX/XXXX, XXXX  DMV sent back all the paper work along with a refund check for the amount mentioned above back to Capital One. 

End of XX/XX/XXXX, I received the paper work from capital one but with no check. 

I have called capital one numerous and I have been getting various responses regarding the status of the check. And here is some of them : 1. The check would be mailed out to you separately. 

2. Your check has been forwarded to corporate office for processing. 

3. DMV did not send your check and all we got was whatever we sent you. 

4. Please call title services department.

5. Please call corporate office.

6. Please check with DMV because we they said they will send you the check. 


On XX/XX/XXXX. I called XXXX  DMV and they confirmed a check was issued to Capital One and the only way to issue a replacement check is if capital one sends a written request explaining that they never received the original check and DMV should issue another one. 

Capital one is not being transparent and it is a shame having my auto loan through them. 

Today XX/XX/XXXX I received a letter in the mail from capital one ... the cover page is addressed to me, meanwhile all the other pages belong to someone else. If this kind of mistake is easily made, no wonder my check is no where to be found.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-29
Company: EQUIFAX, INC.
State: CO
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: Was not notified of investigation status or results

Complaint:
I have filed disputes via US Mail with the bureaus on 3 different occasions ( XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ). Not once in those 3 dispute cycles, did any of the bureaus reach out to me to even acknowledge what I was requesting them do. Because of this, I filed a complaint against them on XX/XX/XXXX ; where 2 bureaus did respond and say it was of factual record yet they still haven't mailed me a response which is required by law, so they are still not doing as they are legally obligated to do! Also, until they can provide a signed application from me, there is no " factual record '' of these inquiries. There are no open accounts on my personal credit report as a result of these nor are there signed applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
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:
I was under a credit counseling program as of around XX/XX/2019, but around XX/XX/2019 I decided to quit the credit counseling program. I thought that the credit counseling program coordinator contacted all creditors to inform them of this so that it would not appear on my credit report anymore. However, after checking my credit report recently, I see that USAA federal savings bank has a remark on my credit reports stating that I am still managed by a credit counseling/debt management program when I am not. and I have proof. I sent them proof, called them and they still refuse to remove the remark and take me out of the program on their end. This company is hard to deal with. Ive heard some bad things about this company and I want nothing more to do with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: AMERICAN EXPRESS COMPANY
State: MO
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:
I've been with American Express for many years and have always experienced great customer service up until this year. I don't know if they've changed their model or staff but I have never received such poor service from a top credit card company. I have a business and a personal credit card with them. My personal account is paid off and closed but I still have a balance on the business account. I reached out to ask to American Express to find out if there were any programs I could take as of the lower the interest and min due. At that time they enrolled me into what they call a long term payment plan paying {$520.00} a month. This is still a big payment but I was managing to make it monthly until COVID-19 hit our business. Like many people we went from making money to making nothing in the matter of weeks. I immediately reached out to American Express to see if they were doing anything to assist individuals who had been impacted. I was told that I would not be required to make a monthly payment for 2 months. I was so relieved at that time to know they were going to work with me. In XXXX I started back making payments but started getting collection calls. I was told the account was past due by two months. The payments that I was told not to make I was now being penalized. Not only did they start calling each day trying to collect on a debt but everytime I tried to speak with a supervisor they weren't available. I literally spent hours on this account right now it's still showing past due I still am not working. The practices that American Express took during covid were not helpful and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11
Company: Experian Information Solutions Inc.
State: TX
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 sent 3 letters requesting the bureau to investigate the inaccurate reporting of several items below : - 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 2017-08-01
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management , Inc. To Whom It May Concern, Per your web site, you report that any account more than 2 years old based on the time since last delinquency, you stop reporting to the Credit Bureaus. The account you have claim I owe {$1800.00} and last delinquency reported XXXX XXXX, XXXX, yet you still are reporting it. I have disputed this with you on multiple occasions and to provide me a signature of proof that this is indeed my account. Your company did not reply in a timely manner to multiple letters I sent and which you signed for, on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. By not replying in a timely manner to my initial letter you signed for on XX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I placed an order for an item on XXXX website on XX/XX/2021. I spoke into a person via chat on XXXX website the persons name is XXXX. He explained that the order was already processed and there was nothing he could do on his end. He explained that I needed to contact the bank and to to do a dispute form that there was an error on their side of the end. And I am sending you guys documentation. TD bank says there is no error. That I needed to contact the merchant which I already did twice. And I sent them TD Bank the dispute department documentation I am sending you more documentation which you should have. I would like to get my money back which was {$75.00} that I tried to place an order and I didnt get the item.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-09
Company: Ad Astra Recovery Services Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX - I sent notification of dispute by mail to collection agency - Ad Astra Recovery Service regarding the debt being reported on my credit. I received documents by mail with a signature that does not belong to me. 
XX/XX/XXXX - I sent notification by mail to Ad Astra Recovery Service requesting to Cease and Desist in any and all attempts to collect the fraudulent debt and to remove the item from my credit report under provisions of Public Law 95-109, Section 805-C of The Fair Debt Collection Practices Act. 
XX/XX/XXXX - The item remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I have been mislead by Wakefield and Associates. I have been actively paying old medical bills. I received an summons and called immediately to resolve my account. I even faxed my lengthy court summons to my case manager XXXX and inquired why wasn't the debt included with my other accounts. I also questioned the age of the debt being past statue of limitations and she initially seem confused about an summons being issued to me. It took her some time to research the summons being issued which is why I faxed over the documents. XXXX informed it was NOT necessary to go to court and we would continue our payment arrangement. She never mentioned that court cost would be tact onto my medical bills owed. They also apply payment from newest to oldest debt. Which I stressed the oldest debt should have received payment first hence the result of the summons. I disputed the court cost of {$120.00}, directly on their website and made a {$50.00} payment towards my medical bill. I logged in today to pay the remaining {$61.00} that was owed and discovered my payment was applied to court cost added in XXXX of 2020. This is unfair and unjust. I was informed the court fees would not be removed. Now XXXX claims she never advised it was not necessary to come to court, I had opportunity then to dispute this, refer to my packet and made a snide remark that the court summons got my attention for payment. I requested that my payment be applied to the medical bill and was informed it would take a week for the adjustment. Even with hardship, I have paid {$660.00} to them. I have attached the cover sheet of their summons indicating " You are welcome to contact wake & associates, inc to discuss this matter prior to your court date. Please note that although we can discuss your account and payment of them, we can not provide you with legal advice. please be advised that that costs, what may be awarded, have been incurred and are not specifically included in the suit balance. If you contact our office immediately, you may be able to avoid additional court costs ''. 

I reached out immediately for arrangements and made payment. Court cost fees is unfair and unjust. I have paid previous medical bill garnishment with this company in the past. This company is money hungry.

Company response to consumer: Closed with explanation