BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contacted Portfolio Recovery for validation of debt due to being sued by them for debt, all that I was sent was a letter stating the date they bought the debt and from who they bought it from with a copy of a billing statement. In the letter that was sent to them I asked to for proper validation such as signatures and a legal binding contract with their company and that was not provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: AES/PHEAA
State: MS
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:
Since XX/XX/XXXX I have submitted disputes to the credit bureaus and spoke with company directly about incorrect information on my credit file showing my loan defaulted by 90 days yet my account was in inschool deferment. Fedloan had removed the 90 late then it was reinserted back on my file only to show now it 90 days late only in XX/XX/XXXX but in good standing in XX/XX/XXXX, XX/XX/XXXX and moths leading up to now. In the comments it states account resolved by grantor yet it is not and the bureaus have not done a proper investigation after numerous ongoing disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America has been charging me overdrawn fees for the last 4-5 years for at least 50 times during this period. I have two checking accounts and the same issue I have had with both accounts. You call customer service and they say they are legals fees associated with these accounts. They charge {$35.00} for each transaction and if you do n't fund you account in the next five days they charge you again another {$35.00} for each transaction. I have been a victim from Bank of America for this practice for the last 4-5 year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-19
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I was two months behind in mortgage payment. My bank sent two payments toward the payment of my mortgage for {$2000.00} and {$1300.00}. My regularly monthly payment is {$2000.00}. The late fee is {$60.00} and there is a {$15.00} inspection fee. The mortgage company statement do not reflect what happen to the {$1300.00}, however, there is a {$750.00} in an Unapplied Amount account. Loan care has taken more money from the {$750.00} that now the XX/XX/XXXX statement reflects that there is only {$290.00}. 

I am attached the XXXX Monthly Statement which shows that the two payments were made. XXXX payment was paid in full ( {$2000.00} ), XXXX monthly payment was short and XXXX payment was paid of {$2100.00} - XXXX + XXXX + XXXX ( XXXX ) =  {$24.00} overage. I do not know what suspense account did the {$24.00} go into. I don't know because I did not received a monthly state for XXXX and I was denied access to the Loancare website. 

I made several calls to Loancare to find out what happen to my money and why I know longer could have access to Loancare website. I was transferred to their Bankruptcy department, customer service could not address none of my concerns. I didn't understand why I was transferred to a Bankruptcy department since I haven't filed for bankruptcy since XXXX and my house was not apart of the bankruptcy. I was told by the Bankruptcy department that the {$15.00} fee would be charged to my account on a monthly basis because I file for bankruptcy. I asked them why and I told them that XXXX XXXX XXXX nor XXXX XXXX XXXX charged me {$15.00} per month. XXXX and XXXX inspected my house if my mortgage went more then 3 months past due. And where in my contract it states that they can charge me {$15.00} inspection fee monthly. I was told by the Bankruptcy department that those were the agreement that was made with the investors. And the investors are making this call for me to pay {$15.00} monthly. 

The Bankruptcy department said that I need to put my complaints in writing. I was given an email address and I wrote my complaints and was given a Ticket # XXXX, on XX/XX/XXXX. I waited for a response until XX/XX/XXXX, and I wrote to the customer care department again and I received a response that this email no longer being monitored. Now I am being told to go to the website that they denied me access to. 

Please help me ... .thanks

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 2017-07-08
Company: CITIBANK, N.A.
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a complaint about Citi bank credit card, complaint XXXX, it was close by Citibank without me ( the consumer to explain his side of the story. I received two letter from Citibank XXXX XXXX ( Executive Response unit ) XXXX I have been calling once a week for over two months with no return call. Telling again that Big Banks run the world and the consumer are just victims As a Veteran and Senior I am very sorry I fought for the United States to be free and have freedom

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 2019-06-17
Company: Simon PLC Attorneys & Counselors
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have a judgement against me for around {$23000.00} for a loan that I took around 16 or 17 years ago for {$10000.00}. In an effort to help me my son tried to settle the debt with the attorney XXXX XXXX, XXXX XXXX is trying to collect this debt on behalf of XXXX XXXX XXXX XXXX, XXXX. I was unaware of this contact and never gave XXXX XXXX, any agent or representation of XXXX XXXX to speak with any of my family members or anyone else regarding my debt. I did not know my son was doing this and he did it because my Daughter has been threatened by XXXX that she is responsible for the debt and that he was going to sue her for fraud. During his multiple conversations ( at least 4 phone calls and multiple emails ) with my son he doubled down on those threats saying that he would collect this debt from either me or my daughter while sharing information on my debts and judgements. My son made 2 offers to settle this debt for {$2500.00} and then {$5000.00} to XXXX XXXX on behalf of XXXX XXXX XXXX and they declined in writing to even propose a counter offer. He is now trying to subpoena personal records for my Daughter and continues to harass her even though she is not signatory on any loan I have ever taken nor does she have any judgements against her. My daughter worked for my XXXX   XXXX business at the time of the original loan and XXXX claims that since it said father daughter run business on my website in recent years that makes her responsible for this debt. My daughter has sent him a cease and desist and he continues to harass her with threats and now court filings to obtain her personal information. I am on Social Security and they have tried to garnish my bank accounts on multiple occasions. XXXX has also threatened to continue racking up legal costs with continued court filings which never seems to end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Prosper Marketplace, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I wrote Prosper Marketplace on XX/XX/2019 via Certified Mail for them to contact XXXX XXXX XXXXf concerning my loan payments. I also told them to it when I answered the phone on XX/XX/XXXX. However they called me from telephone number XXXX three times on XX/XX/XXXX and four times today.

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 2019-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On my Credit reports XXXX XXXX, reported as of 2019 that my card was in charged off status with a failed to pay status. Making it appear to my mortgage lender that I have a recent delinquent account as if this year when I paid my XXXX XXXX credit card in full. I was even told that if I paid the card off in full they would no longer report negative information to my credit report and would remove their negative information. However they keep reporting it on my credit report as FP and it even says PAID. It is not a charge off when I paid the card in full. Charge off means I never paid on it and that the company doesnt expect to get paid.

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 2019-10-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I wasnt given correct information about my loan and fees and how payments will be I am having multiple Payments taken out of my account and not really sure what pays what. The login provides no clear info. I feel like the amount is higher every time I login even though Im making payments. In the beginning my credit was effected because I Wasnt informed of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Through an extensive investigation and evaluation of our mortgage documents including the Deed, Corporation Assignment of Deed of Trust, Adjustable Rate Note mortgage note by an expert with special skills including handwriting analysis, we have discovered that our mortgage documents that Bank of America has used in filing multiple foreclosures against us contain extensive fraud and defects, those defects include backdated documents, wrong county crossed out, falsely stated dates of transfer or no dates of transfer at all, fraudulent notarizations, forged signatures, signed by employees of the servicers or document preparers who often falsely claimed to be officers of the originating banks and other entities up the chain of assignments, and were robosigned ( i.e., signed in bulk ). <P/>Exhibit A ) Adjustable Rate Note the signatures on the document are forged, the county is wrong, all the lines for signatures have the same defect. Exhibit B ) Corporation Assignment of Deed of Trust, filed XX/XX/XXXX ; however, this date contradicts the closing date on Exhibit E ) Pooling Servicing Agreement, which states a closing date of XX/XX/XXXX, therefore Bank of America filed the fake, robosigned Corporation Assignment of Deed of Trust FIVE YEARS TOO LATE. In addition The Corporation Assignment of Deed of Trust is also backdated with a effective date ofXX/XX/XXXXXX/XX/XXXX the reason the document was backdated because Bank of America was foreclosing on our home without standing from XX/XX/XXXX through XX/XX/XXXX, so Bank of America filed this fraudulent document back date their standing for foreclosures from XX/XX/XXXX through XX/XX/XXXX. Furthermore, The Corporation Assignment of Deed of Trust is also signed by a ROBO SIGNER XXXX XXXX Assistant Secretary.  In addition, the defects in the The Corporation Assignment of Deed of Trust states Certificateholders of XXXX, XXXX XXXX XXXX XXXX-XXXX   Trust XX/XX/XXXX-XXXX is listed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Bank of America Corporation , XXXX XXXX XXXX XXXX XXXX..listed as Exhibit A of List of Trusts That Used Fraudulent Mortgage Documents PLEASE SEE EXHIBITS ATTACHED Exhibit A Adjustable Rate Note Signatures on this document are forged Exhibit B Corporation Assignment of Deed of Trust This document is completely fraudulent Exhibit D Pooling Servicing Agreement states attached is a copy of prospectus supplement dated XX/XX/XXXX, received in this Commission on XX/XX/XXXX, under the name of XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX-XXXX , File No. XXXX.. Exhibit E Pooling Servicing Agreement stating that trust closed on XX/XX/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 2017-07-08
Company: Experian Information Solutions Inc.
State: LA
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 asked Experian to take all the old address of off of my Bureau report and they have not. I have Rights as a consumer to ask if I have not lived or even resided at the residence. I have been at my present residence for over 4 years and I told them those addresses were wrong, I have disputed them 3 times and sent a formal fax. only 1 address should remain on my 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 2019-10-19
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Sent request to Lexis Nexis to add security freeze to my credit report, a copy of credit report / full disclosure and also the credit reporting agency did not respond within 15 days they have violated the FCRA and the entry must be deleted.

The FCRA, Section 609 a ( 2 ) regarding disclosures provides leverage to get the item deleted. I requested to see what they used as proof to verify the bankruptcy and if they are unable to provide it, the bankruptcy must be deleted. The credit reporting agency must disclose the source of the information.

Lexis Nexis has refused to respond or send me my full disclosure report Also, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available My requests are being ignored and after 30 plus days, I still do not have a copy of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2017 I contacted XXXX to dispute multiple inquiries on my credit that I am not familiar with. I spoke with the rep and stated that multiple inquiries can not be verified and I asked for such inquiries to be removed because the creditor does not have written authorization from me to pull my credit. The rep stated that I need to send in a police report which is innacurate when the inquiries have not been validated.

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 2017-11-13
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX/XXXX/2017 I contacted XXXX to dispute multiple inquiries on my credit that I am not familiar with. I spoke with the rep and stated that multiple inquiries can not be verified and I asked for such inquiries to be removed because the creditor does not have written authorization from me to pull my credit. The rep stated that I need to send in a police report which is innacurate when the inquiries have not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I am writing this complain in regards to claim Wells Fargo 's promotion credit. As per Wells Fargo 's previous Promotion in  XXXX  2017, customers who open an Everyday Checking that can meet the designated requirements will receive a {$250.00} bonus credit within 45 days of the requirements being met.
 XXXX 
I opened my Everyday Checking account online on   XXXX   XXXX  , 2017, and immediately received an email from Wells Fargo confirmed that my new account was eligible to receive a bonus offer. I have credited {$250.00} to my new Wells Fargo Everyday Checking account at opening, and made over 10 debit card purchases within the first 60 days ( Please refer the attached ). In addition, I have also contacted Wells Fargo Customer Service Representative by phone for the same issue for many times, even though they all confirmed that I have met the requirements to receive the {$250.00} bonus credit, but they NEVER credited me. It 's been almost 4 months since I opened the account at Wells Fargo, I 'd like to report this issue, and make Consumer Financial Protection Bureau aware of this fraudulent offer from Wells Fargo. Thank you.

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 2017-12-29
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX XXXX XXXX, I sold {$13000.00} worth of bitcoin on the Coinbase app on my phone and had the funds transferred to my XXXX XXXX on coinbase as {$13000.00} ( due to a XXXX dollar fee ). This wallet is NOT my bank account and the funds should have been in my account instantly as soon as the bitcoin was sold. 

The sell shows as completed on XXXX/XXXX/XXXX at XXXX. 

The XXXX XXXX which the funds should been in INSTANTLY afterwards still shows as pending. 

I have sent multiple service requests and multiple emails with nothing more than just 1 response with no answer as to why my money is still pending. They have no longer responded after the first reply on XXXX XXXX, which, as I said, provided no answer. 

I have attached screenshots of my outgoing and pending transfer. 

My case number is # XXXX I also have other transfers/buys/sells which have gone through, but not this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: CITIBANK, N.A.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
For no reason and Without any explanation or early notification they close my account on XX/XX/XXXX with my sears card.. They never send me a letter or a notification on any problem regarding on my account. My account was use daily and never had any late paid or anything wrong with the payments i always paid the monthly bill in full. I been a member since XXXX with the card and Im a daily user of my credict card and never been late on a payment in 5 years. I call the company and they said that because of my passed credict they close my account.. I never paid any late fees or missed a payment on that account to be treated like a bad costumer. For some reason the target me for my passed.

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 2019-10-19
Company: EQUIFAX, INC.
State: AZ
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 disputed a debt held by XXXX XXXX XXXX bought from XXXX XXXX with all three credit reporting agencies. I'm assuming that XXXX XXXX XXXX didn't supply proper proof of validation/verification or didn't report the information in the requisite 30 days. I say this because XXXX removed the information from my credit report as of today. Equifax and XXXX XXXX didn't follow suit and are still reporting the debt on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Complaint - Consumer Financial Protection Bureau ( CFPB ) What is this complaint about? I sent 2 certified mailed Validation of Debt letters to Portfolio Recovery Associates. The company failed to respond to my certified letter in the 30 business day timeframe. The company continues to call me after receiving the Notice to Cease and Desist letter. 
The Statue of Limitation on this kind of debt in Texas is four years, which makes this debt expired. I have also showed proof of Residence and given a copy of my Texas Driver 's license. 

What type of problem are you having? It's been over 35 days and it is still showing on my credit report. 

What happened? I have disputed this claim 3 times with XXXX, 2 times with XXXX  and XXXX, with no resolution. 

What company is this complaint about? The Company this complaint about is Portfolio Recovery Associates. 

Who are the people involved? The people that are involved Portfolio Recovery Associates, XXXX, XXXX  and XXXX.

Company response to consumer: Closed with non-monetary relief