BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-03
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My account currently has a negative balance because of an overpayment by a third party. According to regulation Z they are required to refund this overpayment to me within 7 days following my request. After waiting for the seven days, they informed me they need more information to process the refund : a letter from my bank stating I did not request a return of the payment or place a stop payment on any payments to them. Otherwise the wait period for the refund extends to 21 days. I asked them what regulation or law they are using to justify this and they said their own regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PORTFOLIO RECOVERY A ( XXXX XXXX XXXX ) {$1000.00} and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX CARD ) {$340.00}. have been reporting to my credit report. I have never opened account with XXXX XXXX and XXXX XXXX. I have called and no response. I have a FTC Affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian is reporting a Closed Charge-off XXXX  XXXX card on my credit file that does not belong to me and appears to be Fraud, I have contacted Experian several times to have the Closed Charge-off XXXX XXXX Fraud account disputed, investigated and removed,. Experian continues to deny and initiate a dispute or investigation for this Fraud account. Under the FCRA Experian must open an investigation and must dispute and remove any inaccurate or unverified information on ones credit file. I did not Open an account with XXXX XXXX or any one whom may be collecting on their behalf. I did not agree to any documents, i did not sign any agreement with XXXX XXXX, I did not give authorization to XXXX XXXX or any creditor to open an account in my name. Under the FCRA Experian must open an investigation and must dispute and remove any inaccurate or unverified information on my credit file.

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 2018-02-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
This complaint is in regards to a previously filed complaint # XXXX where you have all of the previous claim information. I have been in constant contact with Wells Fargo Since XXXX of XXXX regarding this complaint. I have been dealing with XXXX XXXX at the office of the president of wells fargo. I have sent him all of the necessary information he requested along with any additional information in regards to this complaint. I was promised in writing by wells fargo they would have an answer by XX/XX/XXXX. I did not get an answer and had to contact them again. I was told the process was taking longer than expected but they were still working on the issue with their legal department. I contacted them again a week later to inform them about a letter I received from XXXX and sent XXXX that information. He requested more information about the dealer which was provided to him. I was promised again he would get back to me with a resolution. I have every contact letter along with every email correspondence. The only response I received after all of this was a letter dated XX/XX/XXXX stating the issue had been resolved with the local XXXX dealer and to contact them if I was having problems making the monthly payment. Wells fargo is completely aware of the manufacture defect with this vehicle and still wants to enforce a loan on an unsafe vehicle. I have asked for a refi, which they denied with no explanation, they promised to help with the current complaint and deliberately failed to respond in a timely matter, even though they were provided with all of the necessary information requested. I have been paying for a vehicle that have should have never been sold in the first place since XXXX and have been dealing with this issue since then as well. Wells fargo does not want to help it's customers and will not do anything to remedy this situation. I have already informed them I will not continue to pay for an unsafe vehicle that has no permanent fix putting myself or my family members in harms way. Wells fargo is already in trouble for unethical business practices so it is not a surprise they will not help in this situation either. Wells fargo needs to refund all of the money I have paid for this vehicle since XXXX and cancel the loan as well. This car is dangerous and wells fargo knows that as they acknowledged it is a manufactures defect in their letter. If wells fargo does not take care of this loan asap I will contact the news, other agencies, and file a lawsuit immediately.

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 2018-11-03
Company: LDF Holdings, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent an email to the company after I discovered the loan is not legal in the state of Alabama which I am a resident of as they must be licensed in my state which they are not. Below is my email and also their response.

Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Alabama in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of {$500.00} on XX/XX/18 and have paid {$1200.00} back.. This results in an overpayment of {$760.00} At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the {$760.00} overpayment. A refund check of {$760.00} should be mailed to me at the address you have on file. 
I am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. 
Please respond to this email with acknowledgment that my account has been satisfied in full. Details of when I can expect the refund check, as discussed above, should also be included in the email.Also do not call my place of employment as my employer forbids these calls.Any communication in this matter you can send thru my email, XXXX XXXX XX/XX/2018 tal Amount Due : {$390.00} Hi, You have remained unresponsive to our requests. Our efforts to build on the mutual engagement and cooperation have been documented. Act now if you are still interested in setting up biweekly payments of {$78.00}. If you need a more flexible arrangement please reach out to me. 



If you are not able to respond to this email, please call me as soon as possible, XXXX Thank you, XXXX XXXX. 

XXXX XXXX XXXX cid : XXXX Direct Line : XXXX Toll Free : XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have request that my freeze be removed permanently XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX OH XXXX DOB :XX/XX/XXXXS.S. # : XXXX I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please REMOVE any and all security freezes at once.

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 2018-06-24
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX  is calling all day every day, twice every hour on the hour. This is Sunday and I have received calls from XXXX XXXX on. They use an unknown number and they do not leave a message. The only way I knew it was XXXX is because I picked up the phone once and demanded they tell me. First they gave me a fake name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent a debt validation letter to XXXX XXXX XXXX XXXX  and did not receive the proper proof that any of these accounts are valid or mine they didn't send any original paper with my signature.They had 30 days and they only sent a bill paper I sick of this company and putting my credit down.Something needs to be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: Experian Information Solutions Inc.
State: NY
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 has not updated my balance of my XXXX XXXX account. I contacted XXXX XXXX, and they quoted the correct balance ( which is lower that what Experian has ) they reported to the 3 credit bureaus. In addition, XXXX and XXXX  have been updating my status and balances accordingly every month, just not Experian.

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 2018-11-03
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
BMO Harris is the issuer of my car loan. I've submitted a complaint about them before but I just got off a recorded line with XXXX. I called in at approx XXXX on XX/XX/XXXX. The issue is that they tell customers that they can make a principal only payment to their loans through the website, which they can not. I have had additional interest hit my account because of the false statements and unwillingness to comply with a correction. I've asked for them to go back and adjust every over payment and apply it to principal, instead of simply toward the next payment. A few months ago I spoke with a women who attempted to understand the issue and got caught up in her own lie, I asked for a supervisor to call me. I never heard from them. Compound interest is a powerful thing. Especially when used against people who don't understand it.

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 2018-06-19
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I went into Best Buy to look for a new Television. When I was helped during my purchase, I was offered a Best Buy Credit Card. This sounded great having 0 interest for so many months. I made payments, sometimes not on time, but was told that they don't need to be on time as long as the amount is paid by the end of the promotional 0 interest term. So by the time that ended, my amount had grown, it seemed I was not making a dent in my original bill. So, I contacted Best Buy and was told that I had an insurance that was being charged to my card. I asked what this was for, I had never been talked to about this nor explained what this was. The kid who helped me with my original purchase, in my mind, should not have been in charge of signing someone up for something they can't explain in full. So, basically, from what I understand, my payments were being chopped down by this " unknown charge '' for insurance and never allowed me to pay off my debt. I know that I have paid over the amount I owe for my original purchase in total. This goes against federal regulation as being unfair/deceptive business practices and I know I am one of many across the country affected by them. I last contacted BestBuy almost 2 years ago over this matter and have not heard or received anything from them in the mail since. My wife and I are in the market for a new home and when I ran my credit, we found out I have a huge ding in my score due to this Best Buy credit card! Needless to say, there are no words to the frustration we have toward this! 

links to posted complaints : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: JH Portfolio Debt Equities, LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX-18 I sent a certified letter ( tracking # XXXX to JH Portfolio Debt Equities which was received on XXXX-XXXX-18 at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. JH Portfolio Debt Equities has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of JH Portfolio Debt Equities. JH Portfolio Debt Equities is in violation of the fair  debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: Experian Information Solutions 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:
On XX/XX/XXXX, XX/XX/XXXX and again, on XX/XX/XXXX, I have written to Experian Credit Reporting Agency and requested they update the incorrect names and addresses they have listed on my consumer credit report.I have provided State of Florida photo identification, tax and other documentation attesting to my name and address. I have never used any aliases or lived at any other address, then the one ( 1 ) I live at : XXXX XXXX XXXX, XXXX, Florida XXXX. They have multiple names and addresses listed for me which are incorrect. Dealing with them, has been nightmarish. An effort in futility! My name is XXXX. XXXX XXXX. I have never used any other name, for any reason. Nor have I lived at any other address other than the one I mentioned above. I want Experian to delete the inaccurate addresses and names. Then mail me an updated copy. Thank you, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to a company called Lakeview Loan Servicing LLC. They take out payments for escrow to pay my homeowners insurance and property taxes. Two years in a row they did not pay my property taxes until I received a Notice of Past Due Personal Property Taxes from the XXXX County ( AZ ) Treasurer 's Office. Last year they had to pay a penalty. I am currently on hold with them about this year and have been so for over an hour. They also failed to pay my homeowners insurance until I received a notice of cancellation and called them. Every time I have been assured the problem will not happen again.

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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from 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 2018-06-19
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I fell behind on HOA payments for several months. I made multiple due diligence payments towards the past due balance. My account was sent to a 3rd party collection agency ( attorney 's office ) without notification in XX/XX/2016. The bulk of balance due ( XXXX ) was late/legal fees. I never heard from the HOA company or the 3rd party collection agency or had an opportunity to dispute the fees. Once I realized the account was sent to a 3rd party collection agency, I made payment for the full balance due, directly to the 3rd party agency. Although the debt was paid in full on XX/XX/XXXX, the past due balance has not been removed from my account and it still remains in " legal '' status. Additionally ... .late fees continue to be accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
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:
I was applying for a Mortgage Refinance with 5/3rd Bank. I gave authorization to pull a credit inquiry on XXXX XXXX XXXX and because of the banks slow process they required another Credit inquiry I authorized on XXXX XXXX XXXX. For some reason they continued to pull 2 more Unauthorized Credit checks on XXXX XXXX XXXX and again on XX/XX/XXXX. I've asked them to take steps to remove these unauthorized Credit inquires but the bank seems to be mismanaged and lacks knowledge on where to being the process of correcting their actions. I would like CFPB to assist in Removing these Hard Inquires. 

Inquiry details : 1. Fifth Third Inquiry from XX/XX/XXXX Bank Institution Information Fifth Third XXXX, OH XXXX ( XXXX ) XXXX 2. Fifth Third Inquiry from XX/XX/XXXX Bank Institution Information Fifth Third XXXX, OH XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, I didnt even have my account open at Coinbase.com for a couple months when I received a call from Coinbases XXXX XXXX XXXX XXXX number, ( since I had added their number to my contacts the day I opened the account ). It was a recording stating something about my account having been compromised, that was on Sunday XX/XX/2021. Since coinbase can not be reached via phone on XX/XX/2021 on their site I inquired about that call since I still had access to my account and could see the crypto currencies that I had purchased still in there. On XX/XX/2021 at XXXX my time ( US ET ) I received an email from XXXX stating : Thanks for contacting us. We understand you were victim of a fake support scam. Please report this to law enforcement agencies in your country. On the email I was asked to answer 4 sets of questions which I did and replied to them. Ever since, I have contacted numerous times with no real answer. Always an automated message to my inquiry for status through the support section of their site saying a specialist would contact me in 4-5 business days, on several occasions and that never occurred. Its been 10 weeks now! Since my account was locked/disabled. I just want to know whats going on. If Coinbase.com allowed my information to be compromised, I need to know but the complete lack of any significant communication is frustrating and frankly I have never had any bad experience with any company where I get to the point where I have to file a formal complaint against them with the CFPB. With no personally indentifying information of my being provided, I have to include my case # XXXX so that my issue can be found, looked up and hopefully, finally addressed. 

Thank you for helping me rectify this issue.

Company response to consumer: Closed with monetary relief