BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the last XXXX or XXXX months in a daily basis I get phone calls from Portfolio Recovery from many different phone numbers. Some times I get as many as XXXX calls in one day. Today I answered and had the same conversation as I have had on two other occasions. After being ran through a million questions for them to verify who they called they inform me that they recieved my payment for the month. They then review my balance which I am well aware of. They then proceed to tell me they are going to continue to call me day after day because they don't have my bank card or bank information on file so I don't have a payment arrangement. They then tell me my payment due date and the amount of my payment which they already get every month by check or money order. I am not required by law to give them my bank information and I told them I don't have a bank account. They asked for a prepaid card. I don't have that either. Why are they being allowed to harass me when I am sending the payments??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: CITIBANK, N.A.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the last XXXX or XXXX months in a daily basis I get phone calls from XXXX XXXX from many different phone numbers. Some times I get as many as 3-4 calls in one day. Today I answered and had the same conversation as I have had on two other occasions. After being ran through a million questions for them to verify who they called they inform me that they recieved my payment for the month. They then review my balance which I am well aware of. They then proceed to tell me they are going to continue to call me day after day because they don't have my bank card or bank information on file so I don't have a payment arrangement. They then tell me my payment due date and the amount of my payment which they already get every month by check or money order. I am not required by law to give them my bank information and I told them I don't have a bank account. They asked for a prepaid card. I don't have that either. Why are they being allowed to harass me when I am sending the payments??

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 2019-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2018 : In the process of selling my home, Bank of America was given request for final mortgage payment. The buyers financial payment was ongoing and in collaboration with Bank of America. After 30 days in processing the payment for selling my home, Bank of America sent negative report stating 30 days delinquent to my credit account. I was not given a 45 day notice stating this would be placed on my credit report. The house was sold and the mortgage paid off but the delinquent notice on my credit report remains. I spoke with a Bank of America representative to explain that the home is in the process of being sold prior to their sending a delinquent report to my credit report. I explained to them that I had never been late after 14 years of owning my home. I explained again that the home was sold and total payment will be sent via closing company. I was under the understanding that all was Well with this process due to the fact that final payment is being processed and did occur. After I reviewed my credit report, it was shown that Bank of America is not a company to trust and the loyal customer is not valued 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 2017-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am filling this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified " that I have disputed. Please resolve this matter as soon as possible. 
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 2020-12-17
Company: Atlanticus Services Corporation
State: AR
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: Overcharged for something you did purchase with the card

Complaint:
I made a purchase for {$48.00} using XXXX to XXXX on XX/XX/XXXX. The primary card that XXXX deducts from is my Fortiva Mastercard. When the charge was originally authorized it was authorized in two separate transactions. One of {$36.00} and the other was {$12.00} which totals {$48.00}. The {$48.00} was posted to my Fortiva Mastercard on XX/XX/XXXX. The {$12.00} is still pending on my Fortiva Mastercard. I chatted with XXXX and XXXX and they only see the {$48.00}. I called Fortiva to dispute it the charge and was informed that I couldn't dispute it until it posted. Meanwhile Fortiva has taken the {$12.00} from my available balance and can't give me a date when this will be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have disputed and credit bureaus will not delete.

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 2017-11-28
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX / American Education Services ca n't provide documentation for private student loans they say I hold which I know now are not valid. These loans ( there are 2 ) originated in XX/XX/XXXX/XX/XX/XXXX and total {$85000.00} after " Interest ''. In my particular case, that is absurd. Additionally, once I discovered the error I tried all avenues to have all of the companies involved fix the issue and I stopped making monthly payments. Those payments were between $ XXXX a month. The struggle was real. Then, instead of helping me and taking responsibility, they charged off the loans to the Credit Agencies ( XXXX and XXXX XXXX ). 

I have all of the various items required for the fraud affidavit packet which I 've submitted multiple times. It includes a copy of the only document they have on file which is the promissory note, 7 copies of my real signature, a police report, etc. 

This does n't address how those companies were disgustingly generating and receiving interest. Out of the above payment I mentioned I used to make, there were many months where {$0.00} went to principle. 

I am writing this in hopes the CFPB audits my accounts with XXXX XXXX XXXX to help determine if I qualify for justice in this case. It is worth noting that during my time at XXXX XXXX and XXXX, for which i have not yet graduated due to issues relating to this issue, I also physically received unsubsidized and subsidized federal student loans through XXXX and the department of education. These, I consider my real loans, which currently total {$15000.00} and are paid up to date. Much more realistic, I 'm not a doctor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Innovis
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX XXXX XXXX XXXX XX/XX/XXXX is unauthorized because I dont have a bank account with them XXXX is unauthorized XX/XX/XXXX because I do not recognize this XXXX XXXX XXXX- fraudulent XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- mortgage shopping and I dont have an account with them. I do not recognize this XXXX- unauthorized XXXX XXXX-credit monitoring service did not remove inquires and checked credit to help Did not give consent for the hard inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized XXXX XXXX XXXX I dont recognize this Please remove all of the inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
First off, Im a sole proprietor. On Tuesday, XX/XX/XXXX, my PPP loan was deposited into my Capital XXXX account. Upon, seeing this I decided to go into the branch to handle payroll XXXX pay myself ) as well handle some business expenses per the SBA guidelines. Upon verifying my account with the teller, my account immediately frozen. Im furious because this is my main account. Im a legit business owner but not only that, how am I supposed to survive with no access to my personal AND business funds. Cant pay bills or operate my business. This is very negligent on Capital Ones part. Ive sent them all the documents proving that my business is legitimate. I no longer want to do business with this bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25
Company: CITIBANK, N.A.
State: PA
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:
I have a XXXX XXXX Visa Card by Citi.

I overpaid my account and had a credit on that account that rolled over to the next month.

Citi did not apply that credit to offset my new charges. Rather than subtracting the credit from my charges, they actually ADDED it to those charges, and the total appeared on my statement as " purchases. '' The amount of my " purchases '' was therefore greater than the total of the items I had actually purchased by the amount of the credit. 

When I spoke to a representative about this, she eventually admitted that yes they did add that carryover credit to my debits, but said then that they deducted the credit from the total. So then we were back to the actual value of my purchases. That would be ok, except that she claimed that the carryover credit had been applied to my balance. 

Finally she agreed to mail me the credit, but it is clear that if I had not demanded that, Citi was not going to give me back the credit, but they were going to give me the impression that they had applied it to my account.

File " citi XXXX '' shows total purchases of {$170.00}. 
File " citi XXXX  '' shows that purchases of {$170.00} was added to the credit of {$160.00} to create the new " purchases '' figure on a different page of {$340.00}. Then the {$160.00} credit was applied to that total to bring the " new balance '' down to {$170.00}.

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 2018-09-17
Company: Experian Information Solutions Inc.
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:
On XX/XX/2018 I sent out a certified letter to EXPERIAN in regards to removing the unverified accounts XXXX XXXX {$8400.00} Balance & XXXX XXXX XXXX - {$2700.00} Balance from my credit. the listed items are entirely inaccurate and incomplete & represents a very serious error in Experian 's reporting, I asked to see Verifiable Proof ( a original Consumer Contract with my Signature on it ), in which They are required by federal law to verify FCRA ( Section 609 ( a ) ) They did not provide me with a proof of verification, they replied stating that they have verified the information without the proper document. On XX/XX/2018 I sent out a 2nd letter Stating that they have not removed the items that have not been verified which is required by law and they have had 30 days to investigate in which law requires removal of unverified accounts if unable to verify. As a gesture of my goodwill before litigation if needed, I will restate my dispute. The following information needs to be verified by the credit reporting agency, following failure to verify, deleted from the report as soon as possible.

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 2020-05-04
Company: PRESTIGE FINANCIAL SERVICES INC
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My statement dated XX/XX/2020 lists a balance of {$13.00}. XXXX. The current principal balance on the statement is listed at XXXX. When I log in online it shows a principle balance of XXXX as of XX/XX/2020. 

The statement indicates that fees are included in the total balance but this lender is charging me separately for fees with a balance of {$940.00} and they also have not applied any payments that I made to the fees balance on the statement. 

This lender is charging me incorrectly and using fraud billing tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Mid-Michigan Collection Bureau
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 information incorrect

Complaint:
I am writing this due to non-compliance with the CRA XXXX. 

They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

Company Name : MID MICH CB XXXX XXXX XXXX XXXX MI XXXX Dates : XX/XX/2019, XX/XX/2019, and XX/XX/2019. I sent dispute letters out and the letters were unclaimed and returned to me. 

The address that is listed on my credit report is the same address I used in my letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Social Finance, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a Mortgage with SOFI, I have a XXXX credit score, more then enough assets, what ever they asked for I provided at least twice, and in a timely manner, there web site had numerous problem, that prevented them from not seeing what I sent, even though I can see it, that said I locked into my mortgage on XX/XX/XXXX and its still pending with no end in sight, every time they ask for something I give it, then that ask for more, they give me a day to get it for them, every single time that ask I give, within 24 hours then they ask for more, they admit they lost track of things, I want this mortgage to close ASAP, I more then qualify for this kind of mortgage, Im not taking money out, Im just having the rate lowered, please advise me what to do, SOFI is supposed to be easer to get these things done, yet I can not, again every time I give them what they ask for, they ask for more. 

Thanks, XXXX XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: MONEY SOURCE, INC., THE
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, records from The Money Source , Inc. ( TMS Inc. ) show they issued a disbursement from our escrow account for {$1000.00} to XXXX County for XXXX property taxes. However, according to the XXXX County Treasurer records, this disbursement was never applied to our parcel. 

In XXXX of XXXX, we were made aware that our taxes had not been paid. So we paid {$1300.00} ( {$1200.00} Original Amt + {$110.00} Interest/Fees ) directly to the county from our personal account on XX/XX/XXXX to bring the property in good standing. 

On XX/XX/XXXX, records from TMS Inc. show they issued a disbursement from our escrow account for {$1500.00} to XXXX County for property taxes. This record is in agreement with the XXXX County Treasurer records, and shows it was correctly applied to our parcel correctly. 

On XX/XX/XXXX, I called and spoke with a representative from TMS Inc. notifying them of the discrepency in the disbursement they claim they made on XX/XX/XXXX to my parcel from our escrow account. I informed them that the XX/XX/XXXX disbursement for {$1000.00} was not showing on my parcel and that I would like to know what happened to those funds from our escrow. They took my information and concerns down and told me to call them back on XX/XX/XXXX to get an update regarding the matter after they had completed an investigation. 

Middle of XXXX : Receive Escrow statement from TMS Inc. stating our escrow account has a shortage. 

On XX/XX/XXXX, I called TMS Inc. to get an update on the matter, and was told that the XX/XX/XXXX disbursement for {$1000.00} was actually applied to an unrelated parcel that has a very similar address to my parcel. They informed me that they would contact XXXX county in an attempt to get the funds back. During this call, I was informed the process could take up to 6 months, and had no guarantees of successfully refunding the incorrectly applied funds back into our escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TD BANK US HOLDING COMPANY
State: VA
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 paid of the auto loan with TD Auto on XX/XX/12. XXXXD Auto 's own written policy on their website states that they will release the title and lien within 10 calendar days. I have called and e-mailed numerous times and they will not allow men to speak with anyone that can get the lien released. They participate with the State of Virginia 's Electronic Lien release program. The State of Virginia code 46.2-643 also requires them to provide a certificate of title within 10 days. TD Auto has refused to do anything at this point but make excuses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/XXXX I submitted a complaint to CFPB ( complaint : XXXX ). That complain has since been closed, however the information I requested in feedback has not been provided by the company, XXXX XXXX. The company responded to the complaint and I provided feedback. In my feedback I requested proof of the information in the company 's response but have not been provided that information. 

I am disputing the " placed for collection date '' as well as the " client date last paid '' that is being reported to the credit bureau by XXXX XXXX. 

According to the information I received from the original creditor, XXXX, and the last payment was made XX/XX/XXXX. I have requested multiple times for all information from XXXX XXXX including proof of the last payment and that information has not been provided. I have only been provided the information that was attached in the initial complaint. Furthermore, the " placed for collection '' date is incorrect. Per the original creditor, XXXX, the placed for collection date is XX/XX/XXXX. XXXX XXXX is reporting XX/XX/XXXX as the placed for collection date which is not accurate. 

The original creditor, XXXX, also confirmed the account was charged off XX/XX/XXXX. XXXX XXXX in their response to the initial complaint stated they are collecting on behalf of XXXX XXXX, however the account had been charged off by the original creditor and they are no longer pursuing collection on this account. XXXX XXXX is attempting to collect on a debt that they purchased ( XX/XX/XXXX ) from a 2nd party collection agency ( XXXX ) that is no longer in business and also not pursuing collection on 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 2019-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The personal information on my credit report is fraudulent

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 2018-09-17
Company: Devon Financial Services, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I've contacted the store regarding a wrong payment schedule. I was told the issue would be resolved. Two payments later the issue still wasn't fixed. These wrongful payments caused fees to my account.

On top of the wrongful payments, I was also made aware that my privacy had been violated. Staff members were discussing my account information in front of a customer that happened to be someone close to me. When speaking with the District manager and also the President, I was told the situation is being handled ; although I'm not very convinced. 
This company needs to better train their staff on how to uphold customers privacy and also professionalism.

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