BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/18 I contacted PRA -- Portfolio Recovery associates in XXXX, VA on their XXXX number to arrange payment of three settled credit card accounts my attorney had worked out with their attorney. I made payments for {$350.00}, {$370.00}, and {$600.00} to them by phone. 
The first payment of {$350.00} went through my XXXX XXXX XXXX account and subsequently showed as resolved on my credit profile at XXXX XXXX -- which improved my credit rating. The other two payments were confirmed by mail from PRA 's office in XXXX, CA showed up on my bank account and then disappeared. I have been unable to resolve this mixup ever since -- by email and phone and am repeatedly referred back to my attorney. 
I have emailed my attorney again as of today -- sicne I was told to pay the original amounts instead of the settle amounts. I think this is an ugly way to run a debt collection business. 
The agent son the phone said the payments must have bounced because of insufficient funds. This is XXXX XXXX. I had several hundred thousand dollars in that account at the time. One of 3 debits got processed. The other 2 didn't and they're blaming me for insufficient funds. I attempted to make full timely payments and they are refusing to cooperate in a reasonable manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2018 I received an email alert from American Express stating my account was cancelled and closed. I immediately looked online to my account and saw over 10 payments returned as NSF. I then went and checked with my bank account which I had already had to dispute transactions with and saw none of those accounts had those payments trying to show as coming through. I started to look further and saw my other cards were compromised I then looked online at my credit report and saw many inquiries and I confirmed that my identity had been compromised. I then contacted American Express and let them know of the issue and was told since this has just started or that the account was just closed it would be more sufficient to wait 24-48 to appeal the closure and send in supporting documentation. I wanted to dispute the cancellation of my credit card as this mess was created due to identity theft. Not only with fraudulent payments being made but also fraudulent charges were also added to my account. I have attached the police report, FTC Affidavit and I printed the statement for the past three months and marked off the disputed activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-01
Company: General Motors Financial Company, Inc.
State: MA
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:
I filed a previous complaint against GM Financial for this exact same matter and it was closed by the CFPB. Complaint # XXXX I don't understand how a company like GM Financial is allowed to get off the hook for falsely reporting information. As of this morning, XX/XX/XXXX, my credit report now reports my last payment as being in XX/XX/2016 and reports a balance of {$0.00}. However, I recently paid my bill and according to GM Financial I still owe them in excess of {$9000.00}. 

This is fraud, plain and simple, and this is affecting my credit. 

GM Financial is being incompetent and I believe is intentionally being disruptive and destroying people 's credit. They have refused to discuss the matter during multiple phone calls to the company. 

I will be speaking with an attorney and seeking financial restitution immediately if this matter is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Netspend Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
After finally receiving my unemployment benefits payment from the summer during COVID pandemic, I was relieved my family was finally able to begin paying and taking care of various expenses using the Brinks prepaid card. After initial deposit I used the card as our main source of household payments and income. 

It was only after I took closer look at my statements from XXXX and XXXX that I realized we were being charged {$1.00} fee per transaction which amounted to well over {$500.00} in under 45 days. 

While I realize this was mentioned somewhere in the fine print without access to the internet during the pandemic I was unable to view my statements nor did I ever expect such an abusive and predatory fee structure. 

I have since changed my account to the XXXX XXXX  monthly fee but I dont feel its fair to have to pay over {$500.00} in fees when its all being taken from government benefits meant to help us during pandemic. 

I request a refund of the fees from XXXX and XXXX and to be charged the XXXX XXXX  monthly fee instead as courtesy and show of goodwill considering my situation. 

Thank you 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 2019-09-05
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
1. made a electronic payment thru my bank XX/XX/XXXX for {$120.00} 2. The account # that I sent the payment to had been closed in XX/XX/XXXX and sold to another bank. 
3. Contacted current account and explained situation, they directed me to the bank I made payment to 4. That bank said the account is closed and directed me to my financial institution I use to reverse the payment 5. The financial Institution tried 3 times and all were declined by the receiving bank. 
6. Contacted the bank again and they said the process is to contact the bank that now holds my credit card to start an investigation. He assured me this was the process 7.  Called the current bank to start the investigation and he said he would but he could see no way to get the money from the receiving bank and again directed me back to the first bank. He did however, start a case. Am to receive a letter in the mail. 
8. I have been going back and forth with these 2 banks since XX/XX/XXXX my first initial inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am currently enrolled in school and this information has been submitted to Fed Loan. I am not currently delinquent in payment, and payment is not due until 2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I complained XXXX of 2020 about incorrect information of late payments on my credit report and did not hear back from Select Portfolio Services regarding the problem. I sent to them copies of my bank statements as proof that I had made my payments on time but got no reply. 

My name is XXXX XXXX. Account XXXX and XXXX. Select Portfolio Services assigned these numbers to my accounts ( Consumer Credit Report : # XXXX ) XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: Bread Financial Holdings, 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:
This account was fraudulently opened and maintained. I've contacted the company and communicated that. But they keep calling and threatening to place it in collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Company : XXXX  XXXX Account # XXXX Description : Inaccurate because the 2-year payment history for XXXX, Equifax, and XXXX are reporting different dates and inconsistent payment history for the dates between XX/XX/XXXX - XX/XX/XXXX. Also, the date last active reports XXXX XX/XX/XXXX, Equifax XX/XX/XXXX, and XXXX XX/XX/XXXX. All 3 bureaus can not be right. All reporting must be 100 % accurate. 
I submitted this dispute with Equifax online on XX/XX/XXXX. And their investigation was complete on XX/XX/XXXX. Which makes me believe all my documentation submitted for evidence was not considered. Also, the Equifax upload portal is always conveniently having issues when documentation is uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Experian Information Solutions Inc.
State: FL
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: Problem with personal statement of dispute

Complaint:
refusal to delete UNVERIFIED information from my consumer file. 

I have sent 4 letters to the credit bureus ( Experian, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). In the results of their investigations, they stated in writing that they verified that unverified items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hi and how are you doing? How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX and XX/XX/2020 for 30 days. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2019-06-27
Company: Consumer Portfolio Services, 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: Credit inquiries on your report that you don't recognize

Complaint:
I was lulled into a car dealership with a preapproved offer of a car loan. Eventually I was denied the loan but after checking my report I've noticed a barrage of inquiries from different finance companies that weren't authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed apparently on 1XX/XX/XXXX. I want to know EXACTLY why it was closed. And if possible Re-OPEN the account! And payout the Bonus that I have completed terms for. 

I have been working toward earning my {$200.00} opening Checking Account bonus and have completed the requirements thus far and was expecting it to be payed by XX/XX/XXXX but you have now closed my account just before the pay day!

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 2020-11-07
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Hello, XX/XX/2020 my chapter XXXX bankruptcy was discharged and my mortgage was never re-affirmed. 
I made the XX/XX/2020 mortgage, early with payment from 2 different banks via bill pay. 
XXXX XXXX made the decision to get this money to use it for fees related to the re-affirmation that I never signed and that they never offered me to sign. 
XXXX XXXX also chose to get the remaining money to pay extra towards the principle. 
XX/XX/2020 mortgage remained unpaid until recently in which I was able to pay it, again. 
Please keep in mind that my house is not in foreclosure and my mortgage is up to date. 
I am reaching out to you for help as XXXX XXXX chose not to help me after many many many attempts. 
Is this practice usual and customary mortgage practice or even ethical / legal? 
Now I find myself in a bind with a financial institution that chooses what disclosures they send me and which disclosures they do not. 
Now I find myself in a bind with a financial institution that chooses how they disperse funds that I pay, as they deem in their best interest. 
None of my excellent payment history is being reported to credit agencies since I never completed the re-affirmation that was never offered to me by XXXX XXXX. Yet XXXX XXXX is able and willing to quickly charge and collect on funds specifically allocated for the Mortgage. 
Thanks, XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
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 no knowledge of the following false disputed accounts : 1. XXXX XXXX XXXXXXXX XXXX  XXXX 2. XXXX XXXX XXXX  account XXXX 3. XXXX XXXXXXXX XXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no knowledge of the following false disputed accounts : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX XXXX. XXXX XXXX XXXX  account XXXX 4. XXXX  XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

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 2021-10-22
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold my home and closed early XXXX. I had over {$2500.00} paid into escrow that needed to be refunded. I called my servicer and I was told the check was cut on the XXXX of XXXX. Ive called 3 times to ask for an update and today ( XX/XX/22 ) I was told I should wait another 2 weeks. I feel like there should be some kind of maximum time frame a bank has to refund money and if they dont, I should be paid interest.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: EQUIFAX, INC.
State: MN
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:
OnXX/XX/2017Equifax signed for the certified mail sent by me and has yet to correct the issue. I have had Identity Theft in the past and mailed out a Police Report, Notarized FTC Identity Theft Report three times.  By FCRA 605B (15 U.S.C 1681c-2) Equifax has four business days to block the alleged Identity Theft information. XXXX  and XXXX verified and blocked this information within 4 business days but Equifax has yet to do it. I have called Equifax and talked to two supervisors, they both told me there was re-investigations going into my claims of Identity Theft and that they got my police report and FTC Identity Theft Report. I have attached the proof of Certified Mail being signed off by an Equifax Representative on XX/XX/2017I got no response from XX/XX/2017. Equifax got my police report and all the information needed to block this information by law. I have also attached the Police Report and FTC Report to this message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This complaint is for Capitalone. I had missed several payments from the months of XXXX 2020. I had logged into my account to rectify the situation on XX/XX/2020. The amount that was due was indicated to be {$200.00}, which I had paid on XX/XX/XXXX. I then received an email 5 days later indicating that I had a payment due on XX/XX/2020. My complaint is centered around the lack of transparency. To my knowledge, I should have been informed of the total amount due for my next billing date XXXX XX/XX/2020 XXXX after my missed payment was registered in XXXX. I spoke with an agent of Capitalone one XX/XX/2020 and was told that the {$200.00} payment was enough to cover the minimum due. If you missed a payment, the amount that is needed to meet the minimum payment for the nedt billing date should have been available to me to make an informed decision about my payment. Due to financial constraints, I was unable to make that XX/XX/XXXX additional payment because I had only budgeted for the {$200.00} payment that was indicated on my Capitalone account. I spoke with 2 agents from Capitalone one XX/XX/2020 and they were not able to reverse the late fee nor really explain to me why this happened. The gentleman told me that this couldn't possible be a system issue because it would have effected millions of people. So, I feel like they handle their business this way in order to charge more fees on their products. When I went in to make my payment on XX/XX/2020, I should have had the accurate payment amount in order to meet my minimum payment due on XX/XX/2020.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-27
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
On XX/XX/XXXX, I tried to use my PayPal to cash a check mobilly. PayPal has partnered with XXXX money services to perform these tasks. I entered into my secure PayPal app, and followed the directions for instant deposit, taking a photo of the front and back of the endorsed check. I then received a message from XXXX with the PayPal logo that they were ready to deposit the money into my PayPal, but first I needed to write VOID in big letters across the front of the check. I did so, and used my secure PayPal app to send the photo. However no matter how many times I tried, the app would not accept or approve my picture. It appears that the app is flawed or has a programming issue. When I take my picture, the app enters another screen and then flips vertically, then horizontally, and when it goes back to verticle, the image file is gone and the app says I still need to take a picture. No matter how many times I take the picture, I can't get it to send. I called PayPal, who told me they could do nothing and to call XXXX. I called XXXX and emailed and when I did they said it was because I quit the app and it turned out. I tried to tell them I never quit the app and that it seemed like a programming issue because the window kept resetting but they wouldn't listen and just told me to go try again. I did try again and the same issue is happening. An hour after submitting my check XXXX sent me a message saying the transaction was declined because they never received an image of my voided check, but not to worry because the check was still valid and I can't try elsewhere. Of course, that's not true, the check is no longer valid since I wrote VOID across it in big letters. Now the check is worthless, PayPal will do nothing and XXXX is unreachable in any timely matter, and they seem not to listen to the problem. Thank God that this was only XXXX  dollars lost, I have two other checks here I was going to cash with the same method totalling over 400 dollars, which would have been a huge load for me. XXXX should not be asking people to write VOID across the checks if they are not going to accept the photo or be available to resolve the issue before they decline the entire transaction.

Company response to consumer: Closed with explanation