BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a different complaint about Portfolio Recovery because the previous one was closed .... Portfolio Recovery Associates is NOT LICENSED in the state of Florida. I have 2 collection accounts on my report from them that they will not remove. Portfolio Recovery Associates has been illegally reporting delinquent information to the credit bureaus, I am asking that this information be deleted. I do not have a signed contract nor any contract with Portfolio Recovery Associates. I have never done business with this company. Again, this company is not licensed to collect in the State of Florida I already researched the states website to verify this. I want this removed immediately from all of my credit bureau files. I do not have any contract with this company, and no validation has been received by the credit bureaus for proof of this. I do not have a contract with this Portfolio Recovery. I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My mom passed away on XX/XX/2020. She was receiving social security. My sister 's and I understood that the night possibly reverse the payment. However, they are not because the payment that social security deposed into my moms checking account was for the month of XXXX. After several phone calls to Chase bank a woman in the decedent department told me if I got a letter from the Social Security office the hip that Chase bank out I the checking account would be removed so the account could be closed. Either the woman from the bank lied to me or the ACH department at Chase doesn't understand the letter from Social Security stating that are not taking money from my mom 's account. I was also told that there would be no fees come out of the account. They mailed statement out saying they took a service charge out of a bank account that has a hold on it. I feel l as if though I was lied to all the way around. 
Please see attached letter from the Social Security office stating they will not be taking any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: EQUIFAX, INC.
State: IL
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:
This debt was discharged in my bankruptcy case ( XXXX District of IL XXXX ; discharged XX/XX/2008. ) It was dischargeable under the Bankruptcy Code as it was a private educational loan that was issued in an amount greater than the Cost of Attendance at my school ( I had already received a Pell Grant and Federal Student Loans directly from the college up to my Cost of Attendance that same semester ). Notwithstanding the bankruptcy discharge, this debt continues to be reported on my credit. I have disputed this debt multiple times with all 3 credit bureaus to no avail.

This debt originally had a co-signer, and while it may be appropriate to continue to report on behalf of the co-signer, it is no longer appropriate to report it under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
House damaged in tornado XX/XX/XXXX. Insurance company assessed damages and issued check for repairs XX/XX/XXXX. Mortgage company has had endorsed check and documents they requested via letter since XX/XX/XXXX. Sent confirmation email to us XX/XX/XXXX confirming all doc 's received and review process started. S/W someone in the Loss Drafts Dept on XX/XX/XXXX who confirmed review process was completed XX/XX/XXXX and disbursement check ( first of several to be made ) would be issued within 10 business days. Check should have issued by XX/XX/XXXX. Called company XX/XX/XXXX to check status-was now told something else ; asked to speak with Supervisor-was given a name and told they would call me back. No call ever received. Called company again XX/XX/XXXX and spoke with a Supervisor-was assured they had authorization to issue the first disbursement within 2 days ( by Fri XX/XX/XXXX ) and was mailing it Priority Mail. Check has not been received. I have sent 3 emails and called and left messages - not getting any response from anyone. Mortgage company has had our repair funds for 30 days - we have been out of our home 2 months and 11 days and no repair work has begun because we can not get the money for repairs from the mortgage company. When you call their Customer Care line in the Loss Drafts Department, the usual wait time for someone to pick up the call is 15-20 minutes.

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 2018-05-15
Company: Collection Bureau of America Ltd.
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: Their investigation did not fix an error on your report

Complaint:
I Contacted this company who in fact could not locate this fraudulent account but continues to report it on my credit report. Which brings me back to the credit bureaus how are they validating these accounts if the creditor can't even locate you by your ssn

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: PNC Bank N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
My PNC XXXX XXXX card was closed without my consent. They stated my account was under review. I can not access any of my funds for bills and upcoming rent payments. I can not review my transaction history or Balance. They stated there is no time frame on when the review will be complete. It is really an inconvenience for me. They stated an ach payment had the wrong titling information but all my deposits Ive received were correct. I had an ach payment for a loan that I received back in XXXX and they are just now reporting this issue this month. It was strange how I called in because a transaction was declined and I called to see why and the lady had me on hold for over 10 minutes. She finally got on the line and stated I reached my daily spending limit and not 30 min later my account was closed and under review smh. I have all of the information I need to show that all the money In my account belongs to me. Loan documents etc. Each representative doesn't know why there is no time frame on this review and I was told I had to go into the bank so they can call an internal review line and when I did go into the bank the rep called and the lady stated all the money in my account was under review and I could not access it under the review was complete. I need this process to be completed as soon as possible. It is really XXXX to just flag my account for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The lender and escrow company had misleading and deceptive business practices. I have been I have been struggling to pay my mortgage since XX/XX/2018, Guild sold my loan to XXXX because they knew they put me into a bad loan. I was discriminated against because of gender and color I paid too many high fees that I feel I would not have been charged if I was not a woman of color.

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 2020-08-27
Company: Southwest Credit Systems, L.P.
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:
SOUTHWEST CREDIT SYSTEM Original creditor : XXXX {$660.00} Balance updated XX/XX/2020 Account Number XXXX Contact XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX I have disputed this item several times. I have never had an account with this company or XXXX. During the time of this account I was XXXX anyway so it is definitely fraud. I told them this and that I have no contract with them and they have never even verified the account as valid. So it needs to be removed and never attached to my name again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: DISCOVER BANK
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I had looked into applying for a consolidation loan from several other lenders, but always stopped short of filling out an application. I would always consult with the lenders first and ask if they looked at individual income or household income when determining my qualifications for the consolidation loan. Of the half a dozen or so other lenders I have previously spoken with they were all very clear that their income qualifications were based around individual income and not household income. After speaking with this company in question, however, I was told that they look at household income and not just individual income. So I went through the lengthy application process only to be denied after several weeks of review. When I asked for clarification, they said that I was denied based on my income. The person that I spoke to this time around apologized and stated clearly that they do not factor in household income, but they only look at individual income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Applied for American Express XXXX XXXX card on/around XX/XX/2018. 

Moved to new address. Never received the first card. A new card was sent, that was also never received ( card was never activated, nor used, so no fraud ). 

On XX/XX/XXXX, received mail forward from old address with a bill for {$95.00} for a card I never received nor activated, nor used. 

American Express is not willing to waive a fee, instead they offered me another credit card. I have told them to cancel the card. Still, they noted they billed me for this fee ( to use a card I never received, activated or used ) and said because they billed me over 30 days ago, I am liable. 

I want to know how I am liable if they never fulfilled their end of the contract. Once the first card was not received and a new card was sent, why was this not sent certified mail as there may have been a high likelihood of fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-14
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried mail and phone to verify this account from XX/XX/XXXX to current. XXXX XXXX does not have posted an actual working phone and mail was returned as well. I have disputed this via XXXX only for someone to update that date at said time. How can they be working in fair business fashion if not allowing debit to be verified and corrected? I feel as if this could be a fraudulent company. 

Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Account Designator Code INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX  Original Amount Owed {$140.00} Creditor Classification Medical or Health Care Amount {$140.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID Comments Medical Contact XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Allegedly, my account ending with XXXX ( Business Gold Rewards Card ) was SHUT DOWN for not complying with the offer terms. 

1.Here is the shocker : there were no offers or promotional terms attached to this account as this has been verified by several account managers. Moreover, the account was not actively linked to any other cards at that time. So the linkage and pattern theory is flawed as explained by reps. 

2. American Express has one of the strictest policies for sign-up bonuses that cap one per card per lifetime. I have already received the sign up bonus in the past for this product and this offer would not have been added as you insinuated. Your reasoning in this case is illogical and flawed, too. I strongly suggest that you get familiar with your policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
account information is not showing up on credit reporting

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 2021-06-06
Company: Experian Information Solutions Inc.
State: MD
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:
I have reviewed a copy of my credit report and I show company XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2018-12-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Mortgage continuously asks me to provide proof of flood insurance. I have multiple months of letters requesting insurance. Each time I receive one I call and give them the insurance info.Then it is quiet a month or two then they start again. If I could refinance with another company at the same interest, I would. I am trapped with them. 

As of XX/XX/XXXX, they purchased flood insurance on my behalf. My flood insurance is paid through my HOA. The insurance company sends out any requests for info promptly as evidenced by my second mortgage not engaging in these extortive practices. 

Rushmore agents are polite yet totally impotent to help in any way other than to say they will pass it on to their team.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls from XXXX and continues at least twenty times that after throughout the rest of the day. Kills my phine battery, takes up my time and is annoying and is irritating me know. When I answer it gives me a message with a phone number to call back. Then receive a debt letter from MRS. BPO, LLC with a side note stating, " tax time is a great time to put issues like this behind you. Consider using any possible tax refund you may receive to satisfy your outstanding obligation. '' Regardless this should never been a collection account because the dealership never refunded this amount like they should have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This company is abusing people Santander Consumer USA I took a loan for XXXX and I payed the dealer XXXX dollar down payment on XX/XX/XXXX For a XXXX XXXX XXXX ( used car ) I payed 5 years 6 months XXXX   and stop paying on XX/XX/XXXX .. because the remaining balance in the loan for the car after I payed XXXX was XXXX y surrender the car to them they reportedly as reposes. Almost 30 % interest and hidden fee. They wanted me to pay off the car if I put XXXX dollar more. A XXXX XXXX XXXX is becoming almost XXXX thousand dollar for a use car?? This company is abusing people. Should be off the market. This loan is still on my credit report after 7 years it's supposed to be deleted after 7 years. Loan started XX/XX/XXXX and end XX/XX/XXXX XXXX.please help fix this ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have got a refinance on my house, by U.S.Bank, escrow closed on XX/XX/2020 the issue I have is with loan agent, Mr.XXXX XXXX, Mortgage loan Originator, NMLS # XXXX. 
Mr. XXXX XXXX promised me with his hand writing on back of his business card, that my final closing cost will be {$1700.00} and kept insisting that I should sign the documents and then they will show me the break down on the cost. 
After escrow was closed, I was charged {$440.00} more than I was promised, many phone calls and leaving messages without getting any respond, I've decided to make a complain with the Bureau. 
XXXX XXXX phone # ( XXXX ) XXXX Home Mortgage Division, 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 monetary relief
Consumer complaint received 2018-10-18
Company: Credit Collection Partners, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have received calls from this company in the past. Was told this was for a speeding ticket in Illinois over 7 years ago. Told them I have never been to the that county & told them to Never call my cell phone again. I received another call today from CCP at a different number told this rep I have told them multiple times I have no ticket or debt in their office and for the 3rd time not to call me again, The collector said she is calling for the State Attorney office and they can't stop the calls. Advised her I am a Collection supervisor & am aware of my FDCPA laws & violations. When told not to call Once I should have never received another call & will be getting the calls in their office pulled. I am requesting this company to Cease & desist all contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I've tried contacting the company that holds my account via mail and email to inform them that several of my closed accounts are stating paid in full with 90 to 120 of late payments. This information is incorrect due to me still being enrolled as a XXXX XXXX XXXX at the time a XXXX XXXX XXXX XXXX. My loans were consolidated and paid. The company has yet to update my correct account information. 
Accounts Listed below XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED 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 2018-12-14
Company: Experian Information Solutions Inc.
State: MD
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 reported to all 3 credit reporting agencies that they are reporting duplicate account. They are reporting XXXX ( XXXX XXXX XXXX ) and XXXX XXXX as separate accounts. They are not. I had only one 2nd mortgage. XXXX and XXXX XXXX are the same company. The account started out as XXXX, years later they changed the account number to a XXXX XXXX Account. They did not sell the loan to XXXX XXXX, they only change the account number because both companies are one in the same. I do not have 2 second mortages. I only had one 2nd mortgage, but they are reporing them as 2 separate accounts, but they are not. There was only one second mortgage its just that they changes the account number under the owner of the account which was XXXX XXXX who owns XXXX, but its still only one account. The duplicate accounts are being fraudulently being reported as 2 different accounts when in reality they are the same account.

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