BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-18
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, Attorneys affiliated with XXXX XXXX XXXX XXXX XXXX XXXX located in XXXX IL, filed and was granted a default judgement against me in XXXX XXXX, IL. 
The debt was charged off by Prestige Financial Services , Inc. on XX/XX/XXXX to a third party company ( that is not referred to or is XXXX XXXX XXXX XXXX XXXX. 
The dispute of of debt was responded to on XX/XX/XXXX by XXXX XXXX, Attorney for XXXX XXXX XXXX saying that I owed a principal balance of {$11000.00}, a fee balance of {$510.00}, the amount of interest accrued ( 29.99 % interest rate ) was {$3400.00} and the total balance that was due at the time of the letter was {$15000.00}. The contract was started on XX/XX/XXXX and last payment was made on XX/XX/XXXX ( with monthly payments being {$340.00}. Amount financed on XX/XX/XXXX was {$11000.00} and was paid for 16 months totaling {$5500.00}. 
According to court document filed, the amount claimed was {$14000.00} plus court fees. The car was repoed and sold in an auction as well. 
According to a financial statement from Prestige Financial on XX/XX/XXXX, the amount of interest that was accrued was {$6100.00}, the interest paid was {$4600.00} leaving an interest balance of {$1500.00}, with total fees being {$610.00}, total fees paid {$98.00} ( auction price ), making balance fee {$510.00}. Principal balance was XXXX XXXX {$1500.00} of balance interest and {$510.00} of balance fees totaling the account balance to {$13000.00} after charge off date which is different from amount on court document and amount on debt dispute letter response from XXXX XXXX XXXX XXXX XXXX Where did my monthly payments of {$340.00} go???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The XXXX XXXX credit card debt was discharged in Chapter XXXX filed on XX/XX/2019. After the discharge, XXXX XXXX XXXX sold the debt to Portfolio Recovery Associates. I received a letter from Portfolio Recovery Associates with a reply that the debt was discharged in Chapter. Portfolio Recovery Associates calls daily more than three times per day regarding collecting the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: First Advantage LNS Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National credit audit Corp was audited and trans union after review deleted this account for {$4100.00}. They still have not deleted and or reporting false information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Deferred payments on the mortgage of my residence during COVID. Forbearance is over, and my lender will not accept modification of the missing payments to end of loan. 
They want lump sum payment or will foreclose. I am currently still unemployed due to COVID. This is not fair and not what was inteneded when goverment required COVID deferrals from lenders.

Lender is Specialized Loan Servicing.

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 2017-11-02
Company: Phoenix Financial Services LLC
State: TX
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:
CRA VIOLATION REPORTING INACCURATE INFORMATION THAT I HAVE NO KNOWLEDGE OF PLEASE REMOVE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian, like XXXX was asked earlier in the year ( XX/XX/XXXX ) to correct a XXXX error on my credit report. They ignore me for 10 months initially reporting that the company ( XXXX ) had verified the account. So, for 10 extra months it stay on my credit report inaccurate because they ignored my request, I called XXXX myself last week and they acknowledged the error although they been reporting it as accurate. So, now they want to update it after almost a year, and then it dropped my credit score 14 points. The error reporting cause issues on my credit report and kept me from getting things I needed. This should have been immediately removed from my credit report, instead they decided to update it after almost a year causing me to loose more points. This was an error and it should have been deleted.

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 2017-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX calls my home phone & cell phone asking for another person regarding an outstanding debt. I have informed them the person they are seeking does not live at my residence and asked them to stop calling. Their response is asking me for other person 's info and then hanging up the phone. Today at XXXX XXXX home phone & XXXX cell phone they are calling me again. This has been happening for over a period of time. I am a senior citizen and they are disturbing me..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
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: Account status incorrect

Complaint:
XXXX, XXXX and Transunion credit bureaus continues to list XXXX XXXX XXXX XXXX delinquency on my credit report. The listing creditors have closed accounts and requested that the credit bureau remove them from my credit report. However, XXXX, XXXX and Transunion credit bureaus have failed to remove the negative listings. I have filled disputes and contacted them through phone requesting for them to remove these delinquencies. They have yet to be removed.

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: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The Capital One credit card debt was discharged in Chapter XXXX filed on XX/XX/2019. After the discharge, Capital One Bank sold the debt to XXXX XXXX XXXX. I received a letter from XXXX XXXX XXXX with a reply that the debt was discharged in Chapter. XXXX XXXX XXXX calls daily more than three times per day regarding collecting the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: SECURITY CREDIT SYSTEMS INC
State: OH
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:
Asked both of these companies for validation of debt. Original creditor XXXX   aka XXXX XXXX XXXX XXXX and debt collector Security Credit Services has only provided me with a letter stating that the debt is valid. Under the FCRA that is not proper documentation to be submitted to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Original mortgage was taken out ( interest was 6.4 % ) in XX/XX/XXXX for 30 years fixed term. In XX/XX/XXXX while I was on XXXX, the bank modified the mortgage. The term was extended to 40 years with interest rate of 3.4 %. The lender included a new mortgage clause ... ( adjustable interest rate after 5 years. ) I protested against this clause. The lender assured me verbally that as interest rate will be lower after 5 years, it is in my interest to accept adjustable rate. As they have undue advantage and my health was bad, I have to accept whatever they verbally said. After 5 years, they increased my rate to 6.4 % again, and then sold my mortgage to a new Corporation. I tried to deal with the new company, but they refused to modify my mortgage on the basis that my income is too low. Although, my income is slightly more than what was in XX/XX/XXXX. They did modify with same income i XX/XX/XXXX but refuse to do it again in XX/XX/XXXX. After that my mortgage was sold back to original lender. I again approach to the original lender but they refuse to modify my mortgage as my income was too low. ( But they did modify inXX/XX/XXXX with the same income. ) The process they adopted in XX/XX/XXXX, should be followed up after XX/XX/XXXX.b but they refused it saying my income is too low. My Federal income is just under {$1200.00} per month, out of this amount approx. 2/3 goes in mortgage payment. The mortgage payments contains almost all INTEREST earned by the Bank. It is very unfair. Government help is taken away from me by charging me sky high interest by the Bank.

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: JPMORGAN CHASE & CO.
State: WI
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:
XX/XX/XXXX Consumer Financial Protection Bureau RE : Complaint against Chase Credit Card, XXXX XXXX XXXX, XXXX, DE XXXX and Chase Cardmember Service, XXXX XXXX XXXX, XXXX, IL XXXX To Whom It May Concern : I am filing this complaint against XXXX because they are corrupt and not listening to me. I entered into an agreement with them back in XXXX XXXX, whereby I would make monthly payments of {$44.00} on an account that has been closed for at least one year to date, account # XXXX XXXX XXXX XXXX. 

I received a paper statement from Chase in XX/XX/XXXX and noticed they were charging me interest on purchases and also charging me fees ( unstated ) on an account that has been closed. I called them to talk to them about this and they refused to help me when I asked them to waive the fees because Im no long authorized to make purchases on an account that is closed. I also told them with what they are doing my balance will never go down. So, since they refused to do anything to help me, I told them I will no longer make any payments on this account and they no longer have my permission to take money from my bank account. I also told them they can take me to court and I will tell the judge why I quit paying them. 

Today I checked my bank account and they have taken {$44.00} out of my checking account on XX/XX/XXXX. I have spoken to my bank and do not want to pay a {$35.00} stop payment fee ; however, I do not want them taking money from my account anymore. 

Supposedly their conversations are recorded ( at least thats what I heard when I called them to complain ). 

I need your help. I want them to refund my money back to my bank account. If they dont want to waive the interest charges and random fees on a closed account, I refuse to give them another payment. I am not wealthy and I do want my credit to be good again, but they are messing it up on me there too. They are doing hard inquiries on my credit bureau report which I never authorized them to do, and since they did that, my score has dropped 41 points. I think they need to do something to reverse this damage to my credit as well. I never authorized them to pull any of my credit bureau reports. All they are doing is further damaging my name. 

I will forward a copy of the paper statement that shows the new minimum balance of {$130.00} and has no mention of any payments made to date on this statement. It also lists the fees and interest charges on the bottom. This in my opinion is nothing less than pure greed and corruption. I will also forward the letters saying my account is past due, etc., and thanks for scheduling my next payment for XX/XX/XXXX ( this is fraudulent because I told them to stop taking my money out of my account weeks earlier ). 

Thanking you in advance for your help. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-19
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
5-6 calls per day on average. 
On XX/XX/19 at roughly XXXX XXXX, I received 3 calls in rapid succession. Frequently does not leave voicemail.

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: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax is preventing me from removing a security freeze from my credit report by any method bu t US mail. Aside from taking many days for US mail to work I am extremely worried about putting all of my personal information into just a ty ped piece of paper that would make it very easy to steal my identity. Both  XXXX  and  XXXX  make it simple to remove the freeze online or by telephone but Equifax is making it very difficult to deal with my security freeze. I have no choice on which bureau credit checks go through therefore I 'm at the mercy of Equifax. I feel as if I 'm being punished for using a credit freeze with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
Received an email from XXXX on XXXX XXXX, 2017 telling me that they have restricted my account and will be closing my account. I received no prior notice from XXXX that they were going to do this. If they had, I would have taken the proper steps to prevent this from happening. By them closing my account, this will negatively affect my available credit and credit report. Below is the email they sent me.
Re : Account ending in XXXX XXXX, Its been over four years since youve used your credit card account ending in XXXX. As a result, your account has been restricted as of XXXX XXXX, 2017, which means you no longer have charging privileges, and it will be closed due to inactivity. Your account will remain restricted, and it can not be taken out of restriction prior to closure or reopened once it is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX 2016 I lost my home to a fire. It was a total loss. My insurance dispersed a large check for the total loss of my home and it was placed into an escrow account at Loancare for the amount of {$350000.00}. At this time im trying to recieve disbursements so I can rebuild. I have recieved 2 small disbersments, one to my contractor for {$11000.00} and the other to the company that prefabs the dwelling for {$29000.00}. The company that is doing the prefab will not ship the materials until 50 % of the bill is paid and 100 % is paid upon delivery. The contractor insists due to the shady practices of my financial institution that a draw schedule be signed by Loancare and it is law to cover intrests involved. This financial Institution is saying that the policy is they will not disperse anymore checks until the first inspection of 50 % completion and that is impossible with the amount that has been dispersed. The amounts that have been dispersed to my contractor will not even cover materials needed to repair my foundation, preperation for the dry in and the labor needed to start the job. It will only cover permits and other minor tasks. I am a XXXX veteran that will be homeless if this matter isnt fixed in a timely manor. I am still making mortgage payments of over {$2000.00} a month on a VA loan.

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: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I need assistance with recovering {$50.00} that was fraudulently stolen from me XXXX XXXX / XXXX XXXX. He offered to sell me a ticket to an event called XXXX XXXX XXXX XXXX through XXXX and XXXX XXXX, and I have extensive records documenting our dialogue. At his fraudulent instruction, I paid {$50.00} through the Cash app that the person specified, connected with my XXXX XXXX XXXX debit card. After the payment was submitted, XXXX XXXX / XXXX XXXX deleted their XXXX account and did not send the agreed-upon ticket. I then submitted complaints to Cash app and XXXX XXXX XXXX and have not received any assistance. I need their assistance to pursue the recovery of my {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I started my payment at $ XXXX a month and then I received a letter stating that my payment is $ XXXX a month which is over my budget.I had try to make arrangements with them of the amount that I can afford to paid monthly but I they want agreed with that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Early XX/XX/2019- A full payment was mailed to My loan care for XX/XX/2019 payment. 

XXXX XXXX I called and the automated system said the payment was received. 

XXXX XXXX Check still wasn't cashed XXXX XXXX Called loan services and was told the check was " reversed '' for NSF ( non-sufficient funds ) XXXX XXXX Called my bank ( XXXX ) and verified that funds were present. They were. 

ALSO, XXXX told me that NO checks were presented for payment. 

Called My loan Care ( loan servicer ) back.. Spoke with XXXX (? ) ID # XXXX in customer service and made a payment over the phone. Confirmation # XXXX. ( She was helpful ) Called loan servicer XX/XX/XXXX and XXXX. Automated system said loan payment was received, however it also says XXXX payment is DUE and the funds are STILL in my XXXX account. 

This company has been challenging to say the least. Their web site does not recognize my account number, so I can not create an on-line account, I have been lied to, transfered from one department to another, just to be put on hold then disconnected. This not how a business should be run.

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 2021-09-10
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened an account in XXXX when I lived in the XXXX. Since moving home to XXXX I have not used the account. The account was frozen and I was unable to access my funds. I was unable to see the account on online banking and unable to make online purchases. Despite many attempts to have the account reactivated I was told I had to present at a branch to have the account deactivated. Clearly that is not possible because I live in XXXX. 
After many attempts I was given a fax number that I could send a fax to to have it deactivated. I have done this and the account is reactivated. I logged into my account to find that my account has been debited a monthly fee of {$12.00} per month despite my card being expired since XX/XX/XXXX and I have not have access to the account via Internet banking for so long. The bank locked me out of my account and I was unable to receive any service yet I was still charged monthly service fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-19
Company: Pan Am Collections, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Pan Am Collections has been calling me for debt that I do not owe and has been leaving me abusive language including racial slurs. I still have their voicemails saved I had emailed them I do not owe any debt to them, infact they had over charged me fee for prior two debt collections and had not refunded me those over charges. They charged me fee for stage 3 collection but never asked for permission to go to even stage 2 or stage. As per the contract, before moving on from stage 1, they are required to ask for my explicit permission. I had the contract reviewed by my attorney as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased reloadable prepaid Vanilla Visa Card in XX/XX/XXXX. They charged fees every time you reload card, they also charged fees when you were calling them. I paid them over {$900.00} in those fees, most of them unjustifiable. In XX/XX/XXXX I initiated transaction dispute in an amount of {$140.00} as a duplicate transaction. I spent time and money sending Vanilla Visa faxes to their Chargeback Department. They never responded or resolved the issue. Because of that I wasn't able to pay some of my bills, creating huge inconvenience and hardship for me.

Company response to consumer: Closed with explanation