BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
Complaint RE : Experian & XXXX 30 Day Investigation Period Expired Dear CFPB, I sent a letter to Experian & XXXX disputing two ( 2 ) accounts as erroneous on XX/XX/2022 and mailed them certified, return receipt requested. I received notice in the mail that Experian & XXXX received the dispute letter on XX/XX/2022. It is now XX/XX/2022 and I have not received a response from Experian nor XXXX. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), Experian & XXXX have 30 days ( about XXXX and a half weeks ) to investigate disputes. If Experian & XXXX can not verify the information within the 30-day time period, Experian & XXXX must delete all the disputed accounts from my report. 
Enclosed find a copy of the receipt showing when Experian & XXXX received my credit dispute and a copy of my original letter showing all the accounts I have disputed. 

Thanks in advance for your timely response to this complaint. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2021-02-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Portfolio recovery associates, LLC just won a lawsuit for {$8900.00} XXXX XXXX XXXX 2021 ) against me to continue to attempt to collect from an old credit card bill. I now am orders by a judge to complete form XXXX XXXX fact information sheet ) this sheet asks for car titles, account numbers, deeds etc ... so Im assuming they are going to physically start taking what little I have left in the middle of a world wide pandemic. We are a family of XXXX XXXX XXXX children XXXX. This organization ( CFPB ) says its protects consumers from unfair and abusive tactics. Cause that is exactly how I feel. I dont recall my second court date and I think I missed a court date based on what my current court documents says. I did not have legal representation and was in way over my head on the first court date when I agreed to a settlement. I feel it is both unfair and abusive that these people continue to use legal measures to collect from my family that is currently on unemployment and food stamps and already on a payment plan from our current electric company when we were over {$1000.00} behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXXXXXX Balance XXXX {$6800.00XXXX XXXX  XXXX Balance : {$3700.00} XXXX XXXXXXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$38000.00} XXXX XXXXXXXX Balance : {$94.00} XXXX XXXX Balance : {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC for committing identity theft. I have never given Portfolio Recovery Associates , LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates , LLC can provide me with sufficient documentary evidence that I have a legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates , LLC continue its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC will be held criminally liable for aggravated identify theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of these documents herein and of its notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital One fraud department called today that someone applied for a Capital One credit card using my personal information, including my social security number. 
Application # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: RoundPoint Mortgage Servicing LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
In XXXX of 2023, I received a letter from Roundpoint Mortgage that I did not have homeowners insurance and would need to provide proof of coverage. I called the mortgage company and explained my premiums were to be paid out of escrow. They acknowledged receiving all payments and said there was a mistake and that I did in fact have insurance and all premiums had been paid. I called my insurance agent only to find out my insurance was cancelled from XX/XX/2023 for non payment. I called Roundpoint back and after several hours on tue phone they finally admitted they had sent the premium to the wrong insurer. I requested that Roundpoint pay the premium of {$1100.00} that was in escrow and continuing my current insurance only to find out that since my policy had lapsed, I could no longer get insurance for {$1100.00} per year and would be penalized for not having insurance and my new premium would be over {$3200.00} per year. And to top that off, Roundpoint is charging me almost {$1200.00} for insurance they said I owe them to cover my property. I have no idea where the escrow money is and no idea why I am being penalized for their mistake.

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 2023-09-28
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/XXXX  I paid my account off to make another purchase. And they stated they are holding my {$300.00} dollars I paid until XX/XX/. This never happen before they said I made 3 payments on the account. Because I usually pay off my purchase. When I contacted them about this they transferred me to my bank. I did not feel comfortable with that transfer because Target have a lot of data breaches and I did not know for sure who they transferred me to. I am just trying to use the card I paid off for another purchase and this seems illegal to hold funds they already took out my account immediately when I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The 3 credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: JPMORGAN CHASE & CO.
State: TX
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:
XXXX XXXX put a hold on my chase acount and I had made my payments like my car and credit card before XXXX XXXX made there hold on my account and chase start to bounce the payments that I already made.. all off them but one the chase prime credit card .... now I'm on the red. All the payments are coming back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Genesis FS Card Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been the victim of identity theft. I have tried numerous times to get this Collection from XXXX XXXX XXXX removed from my report. I sent an e-mail to XXXX XXXX XXXX with the letter from Genesis FS Card Services/Indigo Mastercard which I have attached here indicating that I am not liable for this debt. XXXX insists that it is a different account number. I contacted Genesis, they advised me that it is in fact the same account and that they requested a buy back from XXXX of XX/XX/2023 and XXXX has not responded. I have been a victim of a crime and XXXX XXXX refuses to accept this fact and remove their collection from my credit report. They have also not provided me with the application that was made for this credit card as requested by me on several occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please see the XXXX prior complaints. They simply copied and pasted the reports and did not do any research. I asked for a thorough investigation and proof and they didnt provide that. This has caused me sleepless nights and stress and I feel like Im not being listened to i have XXXX negative accounts on my report that have not been validated. You need information and need to know who the credit bureaus spoke to i ask for this and they did not provide me anything

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 2019-07-31
Company: LoanCare, LLC
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 status incorrect

Complaint:
I closed on my home with XXXX XXXX on XX/XX/2019. About a month later I received a letter of Servicing Transfer to Loancare , LLC. At some point both companies were claiming to be the company servicing my mortgage and I received statements from both companies in the same month ( XXXX ). Right now my credit report is showing like I have two mortgages and because of their faulty reporting, my credit score dropped to the 600s.

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 2023-03-13
Company: HOME BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am contacting you about Centennial Bank, XXXX XXXX XXXX. I have the option to make recurrent payments to vendors. In XX/XX/XXXX, I removed a vendor because of an overpayment and I would no longer be required to pay this landlord on my office lease. In XX/XX/XXXX, despite canceling this payment, they remitted {$2500.00} to XXXX XXXX. I contact Centennial after XXXX returned the checks marked void. Today, I received two additional checks, one dated XX/XX/XXXX and another dated XX/XX/XXXX, for the same amount that was voided and returned. I contacted the bank helpline, and they looked at my recurrent list of payees and my list of payees. XXXX appeared on neither list. They can not explain why. This is a sorry state of affairs. Since Centennial acquired XXXX XXXX XXXX, it has been a total disaster. This is one of many errors. It is my intent to withdraw and close all my accounts once I can switch how they are linked to payees.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2023 I mad an autopay of {$25.00} then on the same day I made a payment to satisfy the entire statement balance. By the terms of the credit agreement I should not have been charged a finance charge but on XX/XX/2023 I was charged {$39.00} in interest. I spoke to XXXX on XX/XX/2023 to ask about a credit since I had paid in full, I was told that I made the payment after the XXXX eastern time cut off, I was late by about 8 minutes apparently. I spoke to XXXX a supervisor when XXXX could not assist. XXXX said that it was a valid charge and it would not be fair to provide a courtesy rebate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-28
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX, our home was struck by a large falling tree, significantly damaging our roof. Our insurance company assessed the damage and since the claim payout was in excess of {$10000.00}, it was required that the payment device be a 2-party check between us and the mortgage company. To those ends, in XXXX I preemptively called Freedom Mortgage ( Freedom Mortgage Corporation. XXXX ID # XXXX XXXX XXXX XXXX # XXXX, Broker License # XXXX ) to make sure I could provide all the required information to attempt to expedite the process so we can fix our home. I was told that their claims check process took up to 7 to 10 days. 
On XXXX, I endorsed and XXXX shipped the check at my own expense to Freedom Mortgage. Knowing that we were around the time I was given by the phone agent when I made that preemptive call, I called today XXXX, at approximately XXXX, to check the status of the endorsement. I was informed that while my documents were received on XXXX and uploaded on XXXX, no one had responded and/or started the endorsement process. I was then informed there was a review process that could take up to 5 additional days, only then could the check go to their endorsement process that would take an additional 7-10 days.

In summary, I was informed that just to receive an endorsement on the claims payout check from our independent insurance provider ( XXXX ) that Freedom Mortgage has no fiduciary stake in the payout, it could take a total of 24 days. This is 24 additional days from the insurance adjusting process, meaning that work can not begin ( as we can not front the money for these serious repairs ) from XXXX until potentially XXXX. Meanwhile, there is active leaking through the unrepaired roof and into the ceiling, causing further damage. 
To these ends, I am filing this complaint under 12 U.S. Code 5531, Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulation.

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 2023-09-28
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
On XX/XX/XXXX we sent a check we received from our insurance company to our mortgage company ( Newrez ) for their endorsement and release of funds. We also provided all of the required documents via their portal. We were told it would take 8 - 10 business days to process, and we did not get a check until 16 business days later, and it was only $ XXXX of $ XXXX. This was after several frustrating calls and emails with the company. 

We were informed that the rest of the money would be released after a satisfactory inspection by their contracted inspector indicating at least 60 % of the work was completed. I met the inspector on XX/XX/XXXX, and she indicated we should hear something back from the mortgage company in a few day. Today - XX/XX/XXXX there still was no new information on the portal, so I called, and the customer service agent confirmed that 70 % of the work was completed, and a payment of only {$8500.00} was requested by management, and we should receive it by XX/XX/XXXX. He also said that the remaining {$17000.00} would be released when they assessed that 90 % of the work was completed. I told him this was not acceptable, and that I would file a complaint with the CFPB. He tried to get a supervisor for me to speak to, but XXXX was not available. He said a supervisor would call me, but no one has. 

We have never missed and/or been late on a mortgage payment. 
I also want to know how to collect any interest they may have earned while holding our money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: National Credit Systems,Inc.
State: VA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
the national credit system is attempting to collect on a debt already paid in XX/XX/2022 i took XXXX XXXX XXXX XXXX XXXX to court on a tenants assertion, now XXXX XXXX XXXX XXXX XXXX XXXX has reported our credit history jointly we XXXX XXXX XXXX and XXXX XXXX XXXX  owe {$520.00} for late chares of {$140.00} two times and they is no late charge because all the rent money was paid to escrow account in XXXX court because XXXX XXXXXXXX XXXX rented me and my on XXXX XXXX XXXX a roach infested apartment and the unit XXXX XXXX XXXX XXXX XXXX was un liveable and XXXXXXXX XXXX XXXX breech the lease agreement and therefore should not even got the {$3000.00} they got i think this is malicious of XXXX XXXX XXXX to finacial try and XXXX me and my son finacially plus they charged us two false {$25.00} fee and they were not taken off and they need to charged for using my stored bank card for attempting to use my card even after emails between XXXX XXXX athe manager at that time knew she was not supposed to still be debiting my bank card and thats call stealing double dipping greed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
My mother, an elderly ( XXXX ) XXXX  XXXX, was taken advantage of by a former student, facilitated by the predatory lending practices of the lenders, initially to cosign on a XXXX  loan with encouragement from the lender and then she was duped into allowing the lender, Navient to make direct withdrawals from her bank account to make payments on the student loan. 

Navient directly withdrew the payments from my mothers account from XX/XX/XXXX through the end of XXXX. We discovered the withdrawals in XX/XX/XXXX and immediately contacted Navient and insisted that they cease the withdrawals, yet they continued to make withdrawals for two more months. We then entered a stop payment order with my mothers bank yet Navient contested that stop payment order even knowing that they were not authorized to make such withdrawals. 
Navient engaged in predatory lending practices by directly facilitating the taking advantage of an XXXX XXXX XXXX in order to receive payments on the XXXX  loan when it became apparent that the borrower was not willing or could not make payments. Navient admitted to us that it in fact talked with my mother in XX/XX/XXXX at which time Navient laid out the options for her assuming responsibility for the loan payments. In doing so, Navient directly participated in taking advantage of my mothers compromised position. Navient knew that my mother had no familial relationship to the borrower. Instead of encouraging her to assume responsibility for the loan, Navient had the responsibility to explain the borrower 's right to loan forgiveness and to inquire further as to my mothers ability to make that decision to assume payments on the loan. My mother had no legal obligation to assume those loan payments, but Navient willingly accepted those payments despite her position as a XXXX XXXX  who lacked the means to make those payments without adversely affecting her own financial condition. 
Navient failed to exercise due diligence in investigating my mothers capacity to make direct payments on behalf of the borrower. The result was that Navient participated in and facilitated the fraud against her. At the time Navient pressured my mother to assume responsibility for the loan, Navient had written documentation that my mother was living on a fixed income and lacked the means to make the payments without jeopardizing her own financial condition ( copy enclosed ). Navients actions were irresponsible and constituted predatory lending practices. 
We have reached out directly to Navient, but they refused to come even close to making my mother whole for losses from their wrongful withdrawals for more than 10 years from her account. They offered to return to her only about 20 % of what they took from her. 
We ask that Navient be ordered to repay my mother all monies that Navient withdrew from her account, with interest.

Company response to consumer: Closed with explanation