BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In XX/XX/XXXX I set up a payment plan with XXXX for a trip to XXXX for XX/XX/XXXX. Due to Covid 19 in XXXX the travel agency turned off their phones and went out of business. Their website instructed us to follow up with our credit card company for refunds. The trip was canceled by then and the flights canceled by the airline. I reported this to capital one on XX/XX/XXXX and opened the dispute. As of today I still have not been reimbursed. I was told by and agent in XXXX and XXXX that a check was sent out and the funds were taken from account on XX/XX/XXXX. I speak with a supervisor today and was told the funds were being held but the department isnt open until Tuesday. This is horrible customer service and I have always been a great customer with them. I need those funds back. The supervisor also told me the merchant never replied and I won the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 168192 ( A ) ( l ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 
And They also didn't even record the current status of the disputed information which is another violation. 
And They also didn't even record the current status of the disputed information which is another violation.

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 2018-02-17
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
TD Bank converted their online banking system over the weekend of XX/XX/XXXX and XX/XX/XXXX. The new system came up on Monday, XX/XX/XXXX, but was not fully operational. We can access account data, but the Bill Pay function is not working at all. I pay almost all of my bills using the bank 's Bill Pay function, so I am at a loss. I have called, and emailed, and visited my local branch, but no one can tell me anything, just that they are working on it. Someone needs to get to them, and make them either fix the system, immediately, or back out of the conversion and go back to the old system. I am sure that TD Bank will not cover my late payments and interest if I can not pay my bills due to their failure to convert their system correctly and in a timely manner. As a consumer, I am being ignored, and I would like some one to put pressure on them IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: First Federal Credit Control, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello my problem is in regards to a collection which has appeared on my credit reports and which I have no idea what it i sand or who it is from. The agency attempting to collect has been notified various times through dispute to provide me with validation ot the debt from the original source, because all they send are invoices which prove nothing more than what is now part of the public record. 

All disputes have fallen on deaf ears in hopes I go away. I have asked for compliance to the FCRA and the FDCPA which states they are to provide me tangible documentation. All disputes come back with no change. With no response. With nothing more than a ham handed stamp that the dispute meets compliance when nothing of an investigative nature was performed nor provided to me. 
It is my belief that the collection is fraudulent and illegal. I am asking for assistance as a meditator to this matter. To assist me in the correction of this problem and the removal of the fraudulent collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
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:
THE CREDITOR HAS ADMITTINGLY POSTED A LATE PAYMENT TO MY CREDIT REPORT AND HAS YET TO FIX THE ERROR.

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 2020-07-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NV
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:
I recently got a disturbing email from FIFTH THIRD BANK as it relates to a now closed auto account. The email stated that i changed my mailing address which is false, i didnt change anything at all, been only waiting for title. It seemed as though someone on their staff inputted a previous address from well over a year ago. For what? To ensure i dont get my car title? This is absurd. I paid off my car completely, sent the payout wired funds on XX/XX/XXXX, i was told i'd be mailed my title ( pink slip ) soon thereafter ( 10days after ) It is now XX/XX/XXXX, i just got off the phone with a FIFTH THIRD BANK customer service rep who said she just removed the old address and Reupdated the mailing address to my current which in my online portal was already showing this whole time ... 
I am filing this complaint under CFPB so that i can feel secure that i'll receive my title TO MY CURRENT AND ACTUAL ADDRESS, and in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 i purchased a single family home. The sale was only completed thru escrow instructions. Before closing escrow we had to make sure there was sufficient money to cover insurance payment and property taxes payment. 


I have received several delinquency notices from my local property tax collector. When i reached out to my tax collector they expanded that the mortgage company had not sent full updated tax amount due. They explained that mortgage company had sent the old amount due the old amount due would be the amount that the original owner who we bought the house from was responsible for. With this information i have attempted to call the mortgage company. I have not been able to reach any one at their offices. I have left several messages to please call me and have left an updated current telephone number via voice message. I have also sent them a copy of the delinquency noticed and have wrote a note to them to pay the taxes due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Paid XXXX XXXX XXXX for a loan modification. He constantly called and asked for money to be sent to him through XXXX XXXX and through gift cards. XXXX XXXX claimed he worked for the underwriting department of PHH. XXXX started out by asking for XXXX to lower my mortgage payments since my husband passed away. He continued to call and insist that I purchase gift cards from XXXX and send him the payments over the phone. Enough is enough I finally call the Police and made a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Every month in 2020 select portfolio servicing has shown my mortgage payment 30 days past due. This is not correct, every month in 2020 I paid my mortgage. XXXX - XX/XX/2020 my payment was XXXX but them changed to a higher payment of XXXX for the rest of the year and from XXXX - XXXX I paid the higher payment each and every month. I have tried to get them to change this and they will not. This is really affecting my credit report. We have tried to refinance with another mortgage company but because of the false reporting on our credit report, no company will work with us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Receivables Performance Management, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2020-01-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates purchased old alleged debt back in XXXX that contained factual errors. Out of greed and arrogance, ignorance and incompetence they ignored the OCC. XX/XX/XXXX guidelines on purchasing unverifiable, inaccurate and unsubstantiated debts. Parked these debts on my credit reports in XXXX. Reported these asserted debts as opened and as collection accounts after the SOL dates for legal collection thru the courts had expired. I have disputed these alleged debts and have tried for the last 2 years to get them to provide legal validation these debts are mine and I owe the amounts they claim and are reporting to the credit agencies I owe. I have asked the credit bureaus to investigate and they have claimed the accounts were verified, and certified as accurate. I continue to dispute their reporting and asked for their methods that determined these accounts were accurate. PFA has never sent me anything that provided legal validation. They have continually updated these accounts monthly since XXXX. Their reporting as been very harmful and detrimental to my credit scores by having collections on them. I don't know what else to do. How can they continue to report to the credit bureaus?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: SYNCHRONY FINANCIAL
State: WI
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:
Hi I was having a GAP credit card. As my visa was not extended I called gap to close my credit account and they told I am all set. This happened on XX/XX/2019 and I travelled back to XXXX. Last month I noticed there was an amount XXXX charged on my credit card. So I tried reaching the gap via chat and email but they told they dont have any control since this this is managed by synchronous bank and they provided a customer care number, which is not reachable from XXXX and they dont have any email id to reach. I am still in XXXX and have not done any purchased, the fair deal is is wave these and close my account properly so that the card wont be miss used again. 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 monetary relief
Consumer complaint received 2021-10-08
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not familiar with this account. I have contacted Regional Acceptance concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX. Regional Acceptance has not responded to my letters, they have not sent a contract, statements or any documentation concerning this 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
Consumer complaint received 2021-07-07
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I placed a call into US bank requesting that late fees be waived as I was going to make a payment on the card. The first rep I talked to said that their system is allowing for one fee to be waived, I asked to speak to a supervisor cause I had wanted to get both fees waived. The rep did advise that the {$29.00} fee was the one that could be waived but I asked why not the {$40.00} fee if I am allowed one, she said its cause it was the way it was. I was transferred to a supervisor rep XXXX ID XXXX call reference XXXX, who also advised that their system only allowed 1 to be reversed, I again asked why the {$40.00} fee wasn't the one that got reversed instead of the {$30.00}. She wasn't sure why the previous rep did the {$29.00} instead of the {$40.00} but that there was nothing else that she can do. I feel that the bank had cheated me out of a higher fee to be waived if I was eligible for 1 fee per 12 month period. The rep I had initially talked to did the process so quick that I wasn't properly informed or given a chance to select the fee to be waived.

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 2018-02-17
Company: I.C. System, 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 received a copy of my credit report and discovered that there was items on my report that were not correct and don't belong to me maybe there is a mis-print. According to records the information you are reporting on these account is inaccurate. i demand that you remove this information from my credit report immediately please. by provision of the fair credit reporting act of 1970, 15 u.s.c ss 1681 et se. i request that this items be investigate and deleted from my credit report. please send me the names and addresses of the companies that you contact so i may fallow up.Under the items of section 1681 ( i ) of the act, you have 30 days from receipt of this letter to verify this dispute information. In the event you fail to verify this dispute information. in the events you fail to verify this data, or fail to respond to this request altogether, the dispute data must be deleted in its entirety. also, pursuant to 15 U.S.C. section 1681 ( d ) of the act, please notify me when the items have been deleted. 

thank you for your time concerning this matter at hand

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 2020-09-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX I received a letter from Chase Bank informing me that they were lowering my limit to within a few hundred dollars of where the balance is. The letter stated that " one of my chase cards is delinquent, Bankrupt or in a Payment Program ''. The only payment program that I entered was one granted through the Cares Act as a result of the Pandemic. As I was coming out of the pandemic protection program I was hit with a 30 Day Late on this Credit card on my credit report. I called them up and disputed the reporting and I also made the full payment within a day of that phone call and within a day or 2 following my dispute the report was removed from my  report indicating that they were in error. Not more then a Month after that event they did a review of my account and lowered the limit. I thought the Cares act was supposed to protect you from things like this from happening. This was not an event that would indicate an  issue with my personal ability to pay or my personal finances this was an event that forced the entire country be ordered to stay home by the Government. I had been making Minimum only payments on this card for sometime only due to the fact that I have XXXX  children in college and am focusing more on tuition payments than credit cards, during this time I also was not making new charges on the card. I feel like I am being punished for entering the COVID Relief program, I had been a card member in good standing since the year XX/XX/. I called in and spoke with both a Supervisor and a Customer Service Agent and all they will say is that they want me to go through another application and have them do a hard pull on my credit report to maybe get a shot to get my limit back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
PURSUANT TO 15 USC 168a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 168a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title15 chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: DISCOVER BANK
State: PA
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:
XXXX  is reporting ths account as open and with a balance ... i was removed as an authorized user years ago,,, ,this should report paid and balance of {$0.00} ... i have tried multiple times to have them corrected and it comes back verified everytime ... they are not conducting proper investigations ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received notice from XXXX XXXX XXXX on XX/XX/21 stating they are representing crown asset management llc in regards to a debt collection. On XXXX XX/XX/21 I received an email from crown asset management company stating a debt was due. I emailed the company on XX/XX/21 requesting that the company validate the debt. No response has ever been received.

Company response to consumer: Closed with explanation