BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-20
Company: ERC
State: VT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive a call daily from XXXX XXXX XXXX. They are calling me at work, and can not have personal calls at work, do not answer calls that come in from XXXX 's number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Big Picture Loans, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan of {$500.00} online on XX/XX/2017. The page with the terms of the loan would not load until I electronically signed it. It finally let me see the terms after the money was deposited the next day. I also believe that this was an illegal loan offer for a Virginia resident even though they claim tribal immunity. Tribal law should not apply. Other payday loan companies such as XXXX XXXX XXXX and XXXX are no longer allowed to offer loans to Virginia residents because Tribal law doesn't apply and is illegal in this state. My interest rate was a whopping 474.8426 apr. My first ten payments of {$100.00} biweekly all went to interest. I paid a total of {$1700.00} in interest on this {$500.00} loan. I asked for a refund for the interest amount because I should only be responsible for the principal. I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: WELLS FARGO & COMPANY
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
repeated calls throughout the day when a payment is past the due date

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 2017-06-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I became delinquent on my credit card bill k in XXXX. In XXXX I made arrangements with to settle the account for less than what was owed. The agreed that if I paid one lump sum the account would be marked as paid in full. In XXXX XXXX I received an letter from Portfolio Recovery Associates, LLC collecting on the debt. I sent a dispute letter and they replied with copies of my monthly statements from XXXX to XXXX. I received a confirmation letter regarding the status of my account but have disposed of it because so much time has passed. I have also switched financial institutions and do not have access to statements showing the payment. I am trying to receive a copy from the financial institute. The disputed balance is XXXX due XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
USAAs XXXX service does not have adequate fraud protection. I attempted to purchase an item on XX/XX/XXXX for {$150.00} utilizing USAAs XXXX service. Once it was realized that the item was not delivered, I called USAA within the hour to cancel the transaction and was told that it couldnt be cancelled. I then filed a dispute on the transaction which was subsequently denied. 

Since the XXXX service is offered through USAA, there is a level of trust that USAA and all of its services have adequate processes and protections for its customers. This particular USAA service requires you to provide information on the other person to verify authentic accounts, adding another layer of trust that personnel receiving the money through their establishment is authentic, and USAA has the proper protections in place when users are added. 

USAA offers a service that fails to protect its customers. USAA has a subpar approach to this service ; grossly undermining the customer protections while falling quite short of communicating the risks appropriately.

My request has 3 parts, 1 ) Remove this service, 2 ) if not removed, offer the protections that are required and expected of USAAs typical platinum service, 3 ) refund the {$150.00} due to the lack of protections that should be incorporated when services include the USAA brand name. This USAA service, and accompanying processes, fails to achieve the basic standards of customer service that is typically inherent with USAA values. If the response to this complaint falls along the lines of, weve done all we can do and is authorized by contracts and law, USAA will have completely lost my trust in its intent to maintain the pristine service culture that Ive grown to love in my last 15 years as a customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: ALLY FINANCIAL 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:
Over the past Two years, I have sent approximately ( 5 ) certified letters to XXXX in regards to an unverified derogatory account listed on my Credit Report ( Ally Financial # XXXX ) Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that XXXX disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that is reporting in my credit report. XXXX has responded to my request by saying that these accounts have been verified. XXXX has not sent me copies of the documents that they have in their files that were used to validate these derogatory accounts. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness .... I also sent certified Debt verification letters to Ally Financial # XXXX however I never received a reply back. XXXX have ignored my request to provide me with the documents that their company have in their files that is used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have sent certified letters asking XXXX reporting agency to VALIDATED these accounts with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL.

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 2018-10-24
Company: Experian Information Solutions Inc.
State: GA
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 filed chapter XXXX which has been discharged both XXXX  and XXXX have taken history off but Experian has refused to remove the old history.

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 2018-10-24
Company: EQUIFAX, INC.
State: OH
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 have had some fraud on my credit report I have sent out the paperwork and account information to all three credit bureaus. I have sent in everything I was told to send.The following account are not mines someone has used my personal ID and information to open up several account fraudulently. I have filed a report and I want to know what else does XXXX XXXX, XXXX, Equifax need from me to move this process forward??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
My address for my replacement card was changed somehow so when i want to order replacement card ot goes to an unknown address and i dont have access to the address

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 2018-03-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had 3 credit cards with Chase Card Services for several years. On one occasion it happened with 1 credit card that my payment got rejected by my bank where I had the checking account because of insufficient funds. Chase than made it impossible for me tomake payments on this one card in the future online. ( although I had paid off all the other credit cards and the balance there is XXXX now. ) I contacted Chase several times online but they never answered. They charged me late fees and interest and reported this negatively to XXXX, although I would have been able and willing to make payments on a regular basis.

I finally wrote them a certified letter return receipt requested ( asking them to make it possible for me again to pay the credit card electronically and take the late charges and interest and not to report the payments as late ) which they received on XX/XX/2018. They were however totally uncooperative and claimed they never received my e-mails, which is weird because I send them several. They also claimed that they sent me a letter telling me that I could no longer make electronic payments. I certify however that I never received such a letter.

I have to tell you that it was not the first time that I have problems with Chase .They caused problems 10 years ago too and only gave in when I contacted the office of the Comptroller of the Currency at this time.

Furthermore I had overpaid one credit card and they did not pay me back for 8 weeks until I told them to do so by certified mail.

Also they made a wrong report with XXXX reporting a credit card with a cc number as late, this is a cc number which I never had.

Please intervene.

If you need additional information please contact me at XXXX or XXXX Thank you for your attention in this matter.

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: CITIBANK, N.A.
State: NY
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:
To Citicards/VISA On XX/XX/2017 my card was fraudulently charged {$10000.00}. I called on XX/XX/2017 to dispute the charge but I receive no correspondence from the Citi cards whatsoever. I've called multiple times for information about updating the dispute/chargeback no mail was sent although agents of Citicards insured me many times that I will receive documentation. After months of attempts to understand why the charge is still my account in XX/XX/XXXX (! I I received the information without any warning that I failed to answer the mail ( which I never received because apparently something was sent only to my citi account mail, not even my email! ). I am out of {$10000.00} for fradulent charge which I never made. Please return my money as I haven't purchased anything and you are supposed to protect your customer. I am deeply disturbed by decision of Citicards to slash me with such a huge charge. I feel like I'm being discriminated because I'm foreign and I am preparing to get this issue to the attention of the media since I feel I wasn't treated with respect and seriousness of the issue. The supervisor of the Billing Department said to me that he didn't care it was {$10000.00}! Obviously there is something major going wrong with the billing department of Citicards. 
XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2018-10-24
Company: JPMORGAN CHASE & CO.
State: TX
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:
I have to existing Chase accounts, acct ending in XXXX reduced credit line from {$5400.00} to {$500.00} and Acct ending in XXXX reduced credit line to {$5400.00}. Reasons our decision was based on these specific reasons from XXXX. I spoke with XXXX all of my accounts are in good standing, no delinquency, public record or bankruptcy. Please see specific uploads, all reasons on adverse action letter or incorrect. There is no delinquency, public record, or bankruptcy or one or more revolving accts have a high balance compared to credit line. Payment amount above the required required minimum on some chase cards is low. One or more credit cards have a high balance compared to credit line

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, 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:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 

5. XXXX, XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Ocwen loan servicing is running a unorganized white collar crime operation using forgery and fraud, malicious threats, violations, so-called prior XXXX XXXX XXXX increased loan modifications with my forged signature and initials, manufactured documents, rubber stamping, violations of notary laws, void assignment, manufactured note, intentionally waiting out statues, slander of title, credit reporting violations, prior manufactured force place insurance policies, false principal balance, false payment history, and then cozied up with corrupt fraudulent cozy XXXX and XXXX XXXX XXXX XXXX using insider relationship using robo authorized agents and crooked lawyers who commit fraud claiming to have looked at all the manufactured documents having personal knowledge assisting cozy pretender lender loan servicer can embezzle my property I own free and clear so the pretender lender loan servicer to temporally increase its revenue. I sent crooked young shady lawyer XXXX XXXX many emails requesting loss mitigation options because I am unable to communicate with fraudulent troubled white collar crime incompetent Ocwen Loan Servicing. XXXX XXXX intentionally failed to respond to my many request for mitigation option to avoid fraudulent trustee sale only to help his white collar crime client embezzle my property I own free and clear. The authorities are involved in my matter as we speak. The pretender lender loan servicer slandered my title once again recording another fraudulent notice of sale. Due to the fact that shady XXXX XXXX XXXX intentionally recorded fraudulent trustee sale on my birthday and crooked lawyer failed to respond to my many requests for assistance to avoid fraudulent sale, I am forced to litigate my matter in bankruptcy court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: EQUIFAX, 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 notified Equifax, XXXX, and XXXX of the following collection : XXXX XXXX XXXX for {$250.00} not being validated. On XX/XX/18 I requested that the bureaus conduct an investigation and validate this account as I have been unsuccessful. Neither bureau has been successful in validating the collection but they all continue to report in as a " verified account ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The account with Citi Bank has been declared not mine and documents have been sent to XXXX and XXXX and XXXX .XXXX has refuse to remove the collection from my credit report I have sent paper work proving my statement Debt agencies XXXX XXXX account number XXXX amount of {$1000.00}

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 2018-10-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
PLEASE SEE ATTACHED FROM XXXX THEY HAVE REMOVED THIS ACCOUNT AND EXPERIAN SHOULD DO THE SAME. EXPERIAN VERIFY THEIR BANKRUPTCY THRU XXXX AND XXXX HAS REMOVED HERE IS THE LETTER

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 2019-02-20
Company: PNC Bank N.A.
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 been repeatedly contacted by PNC Bank regarding a payment that I allegedly owe them. I have never had an account with PNC Bank, nor have I even been to any of its branches. I've never used PNC or any of their financial services. Yet, they keep terrorizing me. Every time I received a call from them, I called them back, taking the time to alert them to the fact they have a wrong number on file and kindly requesting that they change it. I went through this process a handful of times - to no avail. Finally, yesterday, I was called by their collections department as I was getting ready for bed. Having a collections agent call you is never pleasant, but considering the above, the incident was outright insulting and heavily frustrating. I have demanded that they cease the phone calls immediately, but seeing how my previous requests had been thoroughly ignored, I see no choice but to report them to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I contacted LVNV Funding requesting the debt be validated pursuant to The Fair Credit Reporting Act as well as The Fair Debt Collection Practices Act, LVNV Funding refused to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: FIRST HORIZON BANK
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 was checking my credit report i've seen a lot of hard inquiries, on my report which i did not make on my own. I think they may have been fraudulent, i want them to be removed as soon as possible. Thank you. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX disaster ... Deposit not avail. Systems physically not available and once again BBT dropping the ball! I've filed a previous complaint and BBT had the nerve to give me an unfavorable review.. Lol! Really so I guess my concerns was petty until today when BBT entire system crashed and the XXXX and XXXX gave BBT the negative business in regarda to fees, deposit processing, and the attitude of branch staff at various locations.. The same concerns I voiced. I understand stuff happens yet as a consumer BBT has a bunch of unbalanced terms and conditions that only favor corporate profits.. Now you ask your members to be patient.. I scoff at that when my balance XXXX make XXXX deposit and BBT return fee me XXXX on a XXXX transaction.. Balance been XXXX since XX/XX/XXXX add XXXX equal XXXX all day long.. I want my XXXX back.

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: AMERICAN EXPRESS COMPANY
State: OK
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 still have phone call or lathers to ask me to for pay back money I didnt used it. All ready I reported to XXXX  about fraud ( someone its been use my informations ), and my credit its worst.

Company response to consumer: Closed with explanation