BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-02
Company: U.S. BANCORP
State: CA
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 contacted US Bank on XX/XX/XXXX to inquire about the process to pay off my auto loan as I wanted to sell my vehicle and needed it paid off and title in hand to do so. I received the payoff quote and after trying to pay it off online, which their website wouldn't allow, I called back to pay it off electronically, as they said it would be much quicker to receive the lien release on my title if I did an electronic funds transfer instead of mailing a check. I initiated an electronic funds transfer for the full payoff amount that day and was told by the US Bank representative that I spoke with that the lien would be released electronically to the California DMV within 2 business days and my title would be mailed directly from the DMV. I contacted US Bank again on XX/XX/XXXX as I checked the title electronically on the DMV 's website and confirmed that the lien had not yet been released. At that point in time I was first told that my title is not held electronically and that it could be up to 30 days before I receive it. I was upset and after the person spoke to someone else he returned and advised that he was incorrect, that the title was electronic and that the title would come from the DMV once they released it, but that they take approximately 7-10 days after receiving payment before releasing it. This is not what I was originally told and is jeopardizing my ability to sell my car. They told me they have to make sure the funds are valid and I don't stop payment, yet it was an electronic transfer and my funds cleared my account on XX/XX/XXXX. I also believe the DMV in California has a 3 business day requirement from receipt of payment before a lien has to be released and they are violating this requirement by holding my money and not releasing my lien. I also have been provided zero proof that I paid off my loan, they refuse to provide me with an email or fax confirmation/receipt and my loan has now disappeared entirely from my online account. I feel like I can't prove my loan was even paid off yet.

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 2019-01-16
Company: BANCO POPULAR DE PUERTO RICO
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Since XX/XX/XXXX I have been asking for the legal documents that established the terms and conditions of my mortgages where I appear as co-participant. I did receive one of them but the other was never sent it to me. Instead they send me an statement letter without any customer friendly information. I have called again in XX/XX/XXXX and requested the documents again. They stated at that time that the request was wrong because I used the term buying instead of refinancing documents. At that point they reported that they will send the documents on XX/XX/XXXX. Today, XX/XX/XXXX I called them again since I have not received the documents requested. This time they stated that they do not have the documents and that I will have to call the notary who notarized the documents in XX/XX/XXXXin order to request it from his office. It should be noted that this mortgage went to a modification process that I did not participated. However, I continued to be responsible for the payments but they have failed to provide the statement that I have signed and that makes me responsible in the credit report. If it is possible, I would like to speak to an Spanish speaking agent. 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 2019-01-16
Company: BlueChip Financial
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
YOUR COMPLAINT I am a single mom with a mortgage payment, car note and tons of bills with only one source of income.I have gotten online payday loans which causes My account to be overdraft weekly and I can not keep up with anything .It is killing me I don't have government assistance at all.The only debt that gets paid are the payday loans because they constantly overdraft my account and I am always in the hole.Which forces me to get another one of this crazy loans to stop the overdraft fees that occurs. Help!!!! what do I do at this point when I am just working to constantly be in the negative status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: CAINE & WEINER COMPANY, INC.
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection company stated I owe {$110.00} dollars which I know that don't owe. Called this company an asked to show proof that I owe this debt. This was reported XX/XX/2017. I request that this company show proof I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
For the last year I have been receiving my Direct Deposit from XXXX XXXX XXXX  every Wednesday just before midnight. 
I have spoke to chime about the issue but this is a widespread issue that has not been resolved. I have two payments due on an installment plan. Chime is unable to give me any information on the status of my deposit. 
I have incurred multiple late fees with my creditors due to this issue. 
I was advised to wait a few days but being that these installment plans are in place I have no other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
I have received robocalls on my home and more recently cell phone at least 3 or 4 times a day, from a rotating set of numbers. This includes, but is not limited to : ( XXXX ) XXXX, ( XXXX  ) XXXX, ( XXXX  ) XXXX, ( XXXX ) XXXX, ( XXXX  ) -XXXX and many many many others. It appears the culprit is a company called " Portfolio Recovery, '' a debt collection company. Some of these lines use caller ID spoofing, or block it entirely so it's blank or just the phone number itself.

Aside from a mortgage, which is paid on time, I have no debt. They are claiming I have some, they're implying they will take action against me to collect and making vague threats.

Additionally, my phone numbers were added to the national " Do Not Call '' registry.

They are persistent and annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have a mountain full of unauthorized inquiries reporting on my credit file. Months ago I lost my Id therefore I'm assuming this is the results, please remove, delete, and / or block the following inquiries from my report. 

1 ) XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX (XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX  ( XX/XX/XXXX ) 10 ) Transunion ( XX/XX/XXXX ) 11 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) 13 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX ) 15 ) XXXX XXXX ( XX/XX/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 2021-06-03
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: Account status incorrect

Complaint:
In XX/XX/XXXX my mother ( XXXX XXXX, who had power of attorney at the time ) contacted XXXX to request a forebearance. This was right when COVID was beginning. They told her that my loan wouldnt even be able to go into forebearance until the loan was brought current, and furthermore that this would prevent any missed payments as being reported delinquent. So she brought my payment current by liquidating my 401k and paying XXXX and XX/XX/XXXX. There was NEVER any mention of any more payments to facilitate this process. It took XXXX until the end of XXXX to put my loan into forebearance with absolutely NO correspondence about any sort of extra payment. When she applied all they told her in XX/XX/XXXX was to make those payments and wait for the application to be processed. So I come to find out a couple of months ago that this entire time my loan has been in forebearance due to COVID ( still currently in forebearance ) that they have reported EVERY SINGLE PAYMENT as delinquent ; THIS HAS DESTROYED my credit score. I have been in contact with them several times since I found this out and keep getting empty promises as to it being resolved in the next few business days ; on every call. I have escalated it, and escalated it, and made notations on the account, even offered to pay the missed month to clear this up and delete the delinquent payments off of my report. In the most recent call, they told me it would be resolved by today, yet I have not received an email or phone call. What happened, so they say, is that since the XX/XX/XXXX payment was not completed when it went into forebearance, which made my loan payments not current. Again, my mother did everything they told her to by bringing it current, per their directions, by paying XXXX and XX/XX/XXXX in XX/XX/XXXX, and it was their negligence that made the missed payment in XXXX by not only taking so long to process the plan but not informing anyone that they needed payment for XX/XX/XXXX as well. The application was in as of XXXX and it took them until XXXX to process it with NO mention of any extra payment. My mother is retired and well established and will testify to this in any legal format deemed necessary. XXXX should also have phone records, so they say, as they always use a recorded line. Please help. I have done everything I can and they seem like they are just trying to bury this and destroy my financial future for years to come. We did everything they told us to do and now my credit score is a 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 2021-07-15
Company: Netspend Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
2021 XX/XX/XXXX Prepaid MasterCard was declined during an attempted purchase at a grocery store ( XXXX # XXXX in the amount of {$60.00} ). Available balance should have been {$13000.00} at this time. However, account is blocked, so I am unable to check my balance. 

2021 XX/XX/XXXX Received a voicemail concerning my prepaid MasterCard and a transaction attempted that they wanted to verify with me, and requested that I call the number on the back of the card. However, they have failed to answer my numerous telephone calls. 

2021 XX/XX/XXXX Mailed a letter to Netspend, Customer Service, XXXX. XXXX XXXX, XXXX, TX XXXX. Failed to receive a reply. Unable to contact a customer service representative. 

XXXX  XX/XX/XXXX Mailed two more letters, one to Netspend and one to Skylight ( another name on my paperwork, but with the same address ). Certified mail tracking numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

XXXX  XX/XX/XXXX Mailed two more notarized letters, certified mail tracking numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXXXX/XX/XXXX XXXX to XXXX XXXX XXXX, XXXX, TX in an attempt to meet a customer service representative in person. " XXXX '' was listed in the building registry in XXXX XXXX, but not " Netspend ''. XXXX XXXX was empty, the lights were off, the door was locked, and there was no answer at the door. The security officer informed me that Netspend had vacated the building about a year ago, and Netspend refuses to share their new location.

I contacted the FDIC, who directed me to file a complaint with the Consumer Financial Protection Bureau ( here ). Also from my conversation with the FDIC, the relevant banking institution may be 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 2018-05-08
Company: EQUIFAX, 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:
In accordance with the ( FCRA ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies are required by Federal Law to verify physical records on the file of the original signed account or contract from any accounts you post on my credit report. 

I have formally requested to see verifiable proof of the original consumer contract with my execution of signature on the record but not NO REPLY from the credit bureaus. I have sent certified letters to Equifax, XXXX and XXXX to no avail. Below is a list of account records I am requesting said verification of. I would like to complain to the CFPB about this clear violation of federal law. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) Thank you for your assistance in this matter and hopefully XXXX, Equifax, and XXXX will follow the laws laid out in the Fair credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Computer Credit, Inc.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In response to an ad for a free initial evaluation and XXXX, I went to XXXX XXXX on or about XX/XX/17. I received the initial evaluation and XXXX were taken. At several times during my visit, I asked to confirm that what they were doing was free of charge and was told every time that the initial evaluation and XXXX were free. I was then given an estimate for dental work needed. Since I could not get financing for {$7500.00}, no further appointments were scheduled. 
When I received an invoice from XXXX XXXX, I responded with a dispute letter and explained what I noted above. I received another invoice from XXXX XXXX. I called their office and was told that was my deductible. They did not care that it was advertised as a FREE initial evaluation. I have called, left messages and written letters. I have received no response from XXXX XXXX. 
I then started receiving invoices from Computer Credit Inc. I responded to the first one with a dispute letter stating again that I was told the evaluation was supposed tone FREE. I have since received three more invoices from Computer Credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sunrise has failed to send me the requested verification of this debt when asked when they called me 3 months ago! I told them I was unaware of the debt and also never lived at the address they reported where service was connected. My address is XXXX XXXX XXXX ... XXXX was NEVER connected HERE as my apartments XXXX XXXX will verify INTERNET is included from XXXX XXXX. They said service was connected at a XXXX address. Instead of sending me whatever documentation they had or closing this account, they instead reported this debt to my credit.

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 2021-06-03
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I lost my job and was unable to make payments on my loan. I requested forbearance and deferment many times. The lender would say it was approved but would start messaging about repayment right after the forbearance was approved, seeming like it was never done. Now they are pursuing litigation because of non repayment and have added multiple fees and penalties to my account. This company is not my original lender. They are also under current litigation for these practices but are still apparently able to garnish my income tax refund. I was also never notified of any court case or judgement allowing them to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery from XXXX, XXXX, XXXX, XXXX. 
Have relieved 4 calls today on XX/XX/2018 alone to work #. It states XXXX XXXX and until yesterday, it had my full name on it. My company can not block them as they spam call from all different # 's. I have been called without picking up 13 times in just the last 8 days. They call from all sorts of spam # 's. I do not ant to answer the call as # 1. I am at work and work on the phone all day. # 2-the debt is past it's statue of limitations and if I answer I will restart the statute from what I understand. I am going to lose my job if IT gets too many more of these calls and it is not worth them harassing me like they have previously telling me to make lunches and sell them to pay my debt to answer to tell them not to call me at work because like I said then I am validating the debt! I don't know what to do. They also robocall my cell # and I have recordings as I started using XXXX to block them on my cell phone as that is illegal but they do it anyways. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX PURCHASE INTEREST FREE for 12 months XX/XX/XXXX, Mattress OWE, {$1000.00}, XXXX {$2000.00}. XXXX, Bedroom Set .OWE {$2500.00}, XXXX {$5100.00} XXXX Dining Room Set Owe, {$1300.00}, XXXX {$2600.00} Total I owe is {$5000.00} XXXX shows {$9700.00} The high balance on Credit Report is preventing me from getting home equity loan to pay the XXXX   loan off before interest in accrued. The correct amount needs to be reported correctly by XXXX to all three Credit Reporting Agencies. Transunion,  XXXX and XXXX. The Correct Amount owed : {$5000.00} Not owed {$9700.00}

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 non-monetary relief
Consumer complaint received 2018-05-08
Company: URS Holding, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I receive balance transfer checks from Bank of America all the time and have used these checks to pay off higher interest debts with interest free balance offers using these checks. In XX/XX/XXXX, I used one of these checks which offered 0 % interest until XX/XX/XXXX. I paid {$150.00} transaction fee to use this check, but I saw on my statement this month that I am being charged interest on the outstanding balance. 

I called BofA and was told that there is a new exclusion that you can not make the balance transfer check out to yourself. If this new rule was included in the offer letter, it was not clear or obvious at all. I have always made the balance transfer checks out to myself, deposited the check into my checking account and subsequently made payment to whatever account I needed to pay off. I have done this many times, but suddenly, they change the rules without making it clear. Very misleading ... and a financial burden. I've already paid {$150.00} upfront transaction fee, and now I've been charged {$75.00} interest just this month alone.

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