BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to Portfolio Recovery Associates, XXXX three times via certified mail over the past three months. I have asked on all three certified mail letters that this debt is not correct and that I would like to have removed from my credit report. I have only had one letter come back to say that the dispute has been reported and that this bill is correct. I responded back via certified mail that I would like to know the procedure used to determine the accuracy and completeness of the information is requested within 15 days of the reinvestigation. I asked for names, addresses and telephone numbers of each person contacted regarding this alleged account. I also asked for any documents to be provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. I also made clear that any automated response or XXXX verification is unacceptable as verification. I have not received any such clarification from Portfolio Recovery Associates, XXXX to this day. This is clearly a violation of the Fair Credit Reporting Act and if not resolved, I will be forced to take action in a small claims lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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 contacted by Capital One on XX/XX/XXXX at XXXX XXXX   regarding payment for the account ending in XXXX. The representative stated that if I paid {$45.00}, another payment wouldn't be due for another 60 days and that a Capital One rep would be contacting me to receive payment. At the beginning of XX/XX/XXXX, I received a credit alert that the Capital One account was past due for 30 days. I called them and asked how it could be past due and the first rep said she didn't understand how it was past due so she transferred me to a second tier rep who said that they would get back with me. Throughout the duration of the call which lasted about 28 minutes, I was placed on hold multiple times as the reps did not understand why the account was reported as past due. I asked them if they could review the phone call from XX/XX/XXXX and they agreed to do so. I knew if they reviewed the call, they would see what that particular rep told me and they would remove the negative credit reporting. On XX/XX/XXXX, at approximately XXXX XXXX I received a call from another Capital One rep by the name of XXXX ( rep ID number XXXX ) who said that there was " no error '' on their part. I asked her if she reviewed the call and she stated that she did. I asked if I could hear the call to point out what was said and she said that they did not allow customers to listen to their own calls per company policy. I asked for a copy of that particular policy and she stated that she could not provide a copy of the policy per another " company policy ''. I would like to have the negative reporting removed because I was told that another payment would not be due for 60 days. Capital One also would not provide any real answer as to why the rep said that and why they refused to produce the " company policy '' they referenced in the XX/XX/XXXX phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was denied credit and have attempted to review my Equifax report several times and have been refused access to my report. I also just found out that my credit report with Equifax is still reporting several accounts that should have been removed almost 2 years ago like XXXX XXXX and XXXX  have, but have not and as a result Equifax is causing me great financial hardship. Additionally I was one of the victims of breach of information and to be refused my report while reporting old outdated and derogatory information is a clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You closed my account because you found it to be beyond the statutes of limitation. However, in XXXX you filed a form XXXX with the IRS for XXXX income in the amount of XXXX You should notify the IRS that you opened the account incorrectly, closed it due to an error in filing it, and filed the form XXXX in error. Thus far this has cost me close to {$2000.00} in payments and interest to the state and fed government. The money is being deducted from my refunds, taken from my bank account and now my social security is being threatened. I live on a fixed income and can not afford to lose any more of my hard earned money. 

This was never my account. It was opened in my name by a thug

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-04
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My XXXX XXXX was totaled & at that time ford motor credit claims we owned them over 2600.00 in unpaid late fees. To my knowledge the car was paid in full & now ford can not produce any info on what we owed. They say it was 1 payment we owed. My records & the website said paid. They claim there is over 2000.00 in attorneys fees? We never received any info in the 4 years I had paid it off. Again they can produce no info on the amounts. They refused to release title & we had to buy a new car. How can you be forced to pay without any info on amount. They have no record of any fees due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: GOLDMAN SACHS BANK USA
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
re : Marcus CD This CD matured on XX/XX/XXXX -- earning 2.75 apy. On XX/XX/XXXX I did an on-line inquiry of the renewal rate -- reading the actual interest rate would be per the actual renewal date. So I decided not to do anything until maturity. Today, within 10 days of maturity date, I went on line and saw the CD had been renewed for 6 months at 0.6 %. Furthermore I was told I was beyond grace period from XX/XX/XXXX. 10-day grace period starts from the maturity date -- the online inquiry starting the clocking is not legitimate. 
I was on the phone today for over 1 hour, speaking to 2 supervisor, appealing the arbitrary company policy, to no avail. I asked to speak to a higher level person -- was told only to wait for 24-48 hours, i.e., I would be further penalized for the cost ( not of my fault ) of the lower interest rate, plus more penalty ( over 700 as of today XX/XX/XXXX ) if I have to close the CD and run with my money.

Back when the law was enacted for a 10-day grace period, there was no online banking, so there couldn't have been a distinction between an online pre-maturity renewal vs. a renewal of a CD after maturity. So the company line is heads it wins and tail I still lose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a XXXX in XX/XX/XXXX. I exchanged my house in XXXX XXXX XXXX to the one I have been living in since XXXX, XXXX. Because of medical bills and no wages, I had to obtain an equity loan with XXXX  XXXX which was taken over by XXXX and finally bought by WELLS FARGO ( WF ). 

The rate of my equity loan was over 7 %. The original loan amount was for {$290000.00} so I have been trying to get a loan modification. I must have applied for a loan modification at least five times and I was always denied. I JUMPED HOOPS AFTER HOOPS IN HOPES OF GETTING A LOAN MODIFICATION even in my XXXX XXXX, to no avail. 

Wells Fargo cited that I was not in imminent default. They also cited that my DTI was to high so Wells Fargo denied my loan application over and over. 

I was given an equity loan knowing that I was XXXX and can only afford to pay the interest only payments, real estate tax, homeowners insurance, flood insurance and homeowners fee. 

When XXXX XXXX XXXX XXXX conditionally approved me in their program and sent notice to WELLS FARGO, WF rejected their assistance. The attached letter dated XX/XX/XXXX details the denial. 

XXXX XXXX XXXX XXXX was going to assist me by paying my arrears up to {$100000.00} to keep my loan current. Their only requirement was that I stay in the home for at least two years. 

Wells Fargo rejected XXXX XXXX offer of assistance and I asked WF why they rejected the assistance. They responded by saying that they never had any communications with XXXX. THAT WAS OBVIOUSLY A LIE. 

In one other phone conversation with WF I was told the loan modification was already completed that is why it was rejected. Another WF agent sent a correspondence stating that they never had contact with XXXX in the last month. That obviously a parsing of the truth. Why would XXXX contact Wells Fargo months or years later There are many other lies that WELLS FARGO conveyed and informed the customers just to whitewash them and halt their inquiries. 

Wells Fargo even says that their CEOs retired because of age. The news outlets states otherwise. 

The chairman and chief executive of Wells Fargo & Co., XXXX XXXX, has resigned effective immediately in the aftermath of a scandal over the bank 's past practice of secretly selling services to unsuspecting customers. 

Wells Fargo & Co said XXXX XXXX will resign immediately as chief executive, becoming the second CEO to leave the bank in the fallout of a wide-ranging sales practices scandal. 

There are many more deceptive practices that WF employs. 

At this time I would like to get a copy of my whole file in order to vet whether or not the information I received from Wells Fargo are indeed true.

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 2019-06-18
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
My Credit information was compromised in the Equifax Breach because of this breach of my information a account was open in my name at XXXX in Account ID : XXXX XX/XX/XXXX. XXXX  send me a letter informing that the account was fraudulent informing me a letter would be sent to each Credit Reporting Agency,  Equifax is still reporting this account as of XX/XX/XXXX. I wrote Equifax a letter XX/XX/XXXX concerning this matter along with the fact Equifax Credit Score is 50 to a 100 points lower than the other credit reporting agencies. This has been going on for my many years it appears Equifax rate XXXX Consumer lower on the same data range from a 584 to a 643 depending who the information is sent to I am tired of Equifax affecting the quality life I can provide for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
i have moved out of XXXX XXXX XXXX for the past one year yet the equifax refused to update my to my new current address. 
my old address ; XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX and my new address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SECURITY CREDIT SERVIC Contact XXXX XXXX XXXX XXXX XXXX, MSXXXX   HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$29000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
This is my 3rd complaint against Navient. I am trying to consolidate my student loans and I asked them to provide MPN, verification of the debt I owe. They admit in the last complaint that my online account information was incorrect. Quote from Navient 's last response " After reviewing your Promissory Notes ( which we previously provided to you ), we have confirmed that your 16 Stafford Loans were disbursed to the University of XXXX, not the University of XXXX. Your online account at Navient.com was incorrectly showing the loans as being disbursed to the University of XXXX. Please note that your online account has been updated to reflect University of XXXX as the correct school. We apologize for any inconvenience this may have caused. It is important to understand that a consolidation loan is one loan and is serviced as such. The separation between the subsidized and unsubsidized portions of the loan is for interest subsidy purposes only. Therefore, you will see the separation between the subsidized and unsubsidized portions of your Consolidation loan online at Navient.com. Although the subsidized and unsubsidized portions are separated as explained above, it will reflect on your credit report as one loan. Please understand that your remaining concerns were addressed in our response to CFPB case number XXXX-XXXX  on XX/XX/XXXX. Although we empathize with your situation, our position on this issue has not changed. '' The information provided to be thus far from Navient is still incorrect. They provided me with one MPN for all the loans they service. It is not possible that this one MPN covers all loans they say I owe. The one MPN they provide was signed XX/XX/XXXX. It is not possible that this covers all loans. I was an XXXX XXXX during XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I completed loan exit counseling in XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX I was a XXXX student at a different institution. My complaint is that the loans they say I owe in XX/XX/XXXX and XX/XX/XXXX can not be covered under the MPN Navient has sent me to this point. How am I suppose to know how much I owe and who I owe it to if Navient doesn't do their job and keep financial records?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My XXXX mortgage payment was made to Ditech Financial on XXXX XXXX in the amount of {$1600.00} on the online Ditech bill pay feature on their website. The website only allows you to enter the account number and routing number one time into their payment system when entering the payment. I provided the payment information and selected confirm payment. I received a confirmation email advising payment was submitted. On XXXX XXXX I received a letter in the mail advising me that my payment had not been applied and that I had been marked as 30 days late and a late fee was applied as well. I had the money in my bank account and because a XXXX was left out inin the account number section, my payment had been rejected. I immediately contacted Ditech to advise that I had made my payment on time & had I known before hand that the payment had not gone through due to the omitted XXXX in the routing number, I would have resubmitted the payment before it was marked late. I then made a double payment over the phone. 

The online system at Ditech does not allow the customer to entering the routing number twice to make sure the numbers are correct in order to prevent any errors. Ditech did not contact me by phone after the payment did not go through and and I did not get an email either. Since a letter was sent instead and it arrived causing the payment to be reported as 30 days late. When I asked Ditech to remove the 30 day late notice, they advised that they would not do this. I have paid the late fee, and having the 30 days late has caused my credit score to drop by 80 points. I have small children and the area I currently live in has become more rampended with crime.I am trying to buy a house in a better area, and now the 30 day late is causing me to not be qualified to buy a home. I have never been 30 days late on my mortgage with Ditech. 
If needed a bank statement can be show showing the money was available on XXXX XXXX for the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Experian Information Solutions Inc.
State: SC
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 contacted by XXXX XXXX on XX/XX/XXXX at XXXX XXXX   regarding payment for the account ending in XXXX. The representative stated that if I paid {$45.00}, another payment wouldn't be due for another 60 days and that a XXXX XXXX rep would be contacting me to receive payment. At the beginning of XX/XX/XXXX, I received a credit alert that the XXXX XXXX account was past due for 30 days. I called them and asked how it could be past due and the first rep said she didn't understand how it was past due so she transferred me to a second tier rep who said that they would get back with me. Throughout the duration of the call which lasted about 28 minutes, I was placed on hold multiple times as the reps did not understand why the account was reported as past due. I asked them if they could review the phone call from XX/XX/XXXX and they agreed to do so. I knew if they reviewed the call, they would see what that particular rep told me and they would remove the negative credit reporting. On XX/XX/XXXX, at approximately XXXX XXXX  I received a call from another XXXX  XXXX rep by the name of XXXX ( rep ID number XXXX ) who said that there was " no error '' on their part. I asked her if she reviewed the call and she stated that she did. I asked if I could hear the call to point out what was said and she said that they did not allow customers to listen to their own calls per company policy. I asked for a copy of that particular policy and she stated that she could not provide a copy of the policy per another " company policy ''. I would like to have the negative reporting removed because I was told that another payment would not be due for 60 days. XXXX XXXX also would not provide any real answer as to why the rep said that and why they refused to produce the " company policy '' they referenced in the XX/XX/XXXX phone call.

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 2017-11-12
Company: CITIBANK, N.A.
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
I have a citibank XXXX XXXX credit card. I filed a restraining order against my spouse on XXXX XXXX after she became XXXX with me and XXXX to XXXX me. The Police served her with the restraining order and removed her from my apartment. Since then I have not had contact with my sponse. On XXXX XXXX, my spouse charged {$5000.00} to my citibank tXXXX premier credit card. I informed the credit card company the same day that the charge is fraudulent and requested to cancel the charge. They asked me to call the merchant to cancel the charge, which I did, but the merchant refused to cancel the charge. I then sent an email to Citibank credit card on XXXX XXXX, again informing them that this is a fraudulent charge and asked them to cancel the charge with the merchant. Since then Citibank has said " they are investigating '', but have provided no information. I have called them about 5 times in the past month, and they are now refusing to refund despite the difficult circumstances that I am going through. Citibank has failed in their responsibility to put a stop payment on the charge on the same day that I informed them. Further they have caused me a huge loss and failed in their responsibility to cancel the charge with the merchant despite being informed of the circumstances. I seek redress from CFPB. Please help. Kind Regards

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 2017-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I open a checking account with Bank of America. I had received an bonus offer via mail. I used the allowed option to open account via an internet portal supplied in said offer. The offered had stated stated I 'd receive a {$150.00} bonus after making two qualifying deposits. The bonus would be applied 60 days after completion of the second deposit. As a regular consumer ... My thoughts were any deposit made that 's alerted by there system to me as direct deposit is considered the acceptable qualifying deposit. If it was n't acceptable the system should n't alerts the consumer that a direct deposit was made. The bank associates I talked to state that I did n't make deposits that 's considered direct deposits. This issue could have easily been avoided if their own system was n't sending out misleading alerts and notifications. I politely waited the 60 days to only find out that I technically did n't meet the requirements. I asked for an extension due to their system error. I 'm definitely not trying to get over that why I 1st asked for an extension. I then asked for an exception to be considered and made since it was their systems error and I would have been able to correct beforehand had I not received misleading alerts. I 've called several times and filed multiple complaints. Complaints not fully reviewed or lost or not even really considered. With the supporting documents it would be nice that Bank of America took some accountability for their misleading notification and alert system.

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