BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1 ) In XX/XX/2016 I was contacted by a law firm called XXXX XXXX  XXXX regarding a XXXX debt at XXXX  XXXX. I paid the debt in 3 payments and the debt was cleared from my record 2 ) I had two debts I collection from XXXX  XXXX, one was at XXXX XXXX  XXXX for XXXX and another was at portfolio recovery group for XXXX. I paid XXXX XXXX  XXXX the full amount and settled with portfolio recovery for XXXX with portfolio recovery on XX/XX/2016 On XX/XX/XXXX I noticed my credit reflected a debt from XXXX  XXXX at portfolio recovery group. I contact portfolio recovery group and they said I have 3 XXXX  XXXX debts with them one for XXXX one for XXXX and a third they would pull up for me. I explained the situation and they refused to listen.. 

I contacted XXXX XXXX  and spoke to a manager name XXXX who saw the debt paid off at XXXX XXXX   XXXX but refused to contact portfolio recovery group on my behalf and regarding the other 2 she said since they are sold to portfolio recovery she has no information. I faced proof of payment to XXXX XXXX  and to portfolio recovery and asked portfolio recovery to pull all the recorded calls from my phone number and confirm that we had settled for one debt and the secon debt was already settled at XXXX XXXX  XXXX and they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
My account had multiple charges that I didnt authorize.Ive disputed these charges with my bank and the fees were not reversed.

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 2021-09-22
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: Investigation took more than 30 days

Complaint:
AS I LOOK AT MY REPORT, I NOTICED THE FURNISHER REPORTED THE ACCOUNT WITH INNACURACIES. I TOOK ACTION BY WRITING THE CREDIT BUREAU TO LET THEM KNOW ABOUT THE INNACURACY OF THE ACCOUNT AND ASKED THEM TO REMOVE IT. I SENT AN INVESTIGATION LETTER ON XX/XX/2021, I NEVER GOT A RESPONSE. I SENT ANOTHER LETTER CERTIFIED IN THE XX/XX/2021. THEY RECEIVED IT ON THE XX/XX/2021. AGAIN 30 DAYS PAST THEY NEVER REPSONDED TO MY INVESTIGATION. I AM DEMANDING FOR THIS ACCOUNT TO BE DELETED IMMEDIATELY FOR NON COMPLIANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Once again Capital One please respond to my cfpb complaint with dignity and respect. Also do not refer to me as a customer, I am a natural person and you still are still violating my rights. 

I asked you in cfpb complaint XXXXt o properly validate this debt. You're sending correspondence to a mailing address that I do not live at. Ive attached my mailing address multiple times. 

Youre stating you repsonded to my cfpb complaints 7 times but you have not responded to the complaint thoroughly.So disregard any other complaints and respond to this one throroughly. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commerical Codes, Federal Fair Credit Reporting Act, and Florida State Statutes for Lawful Purposes. 3.A copy of the contract signed by both parties and therefore binding both parties. 4.Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account You're such a scum of a company that you do not even have dignity to respond back to my complaint with class. The absolute worst. Im asking for proper validation and you do not want to comply. I already have exhibits of your violating federal law. 

They act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. 

Under the Laws of Commerce, An Unrebutted Affidavit Stands as Truth. I'm writing this complaint to address that Capital One has not rebutted the Affidavit I have sent them. 

RESPOND TO MY COMPLAINT THOROUGHLY. MY AFFIDAVIT HAS ALREADY BEEN SENT CERTIFIED MAIL SO IT WILL BE REACHING HEADQUARTERS THIS WEEK.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I acknowledge that i owe a ccard payment that is past due ... however being called 10 times between XXXX and XXXX on a saturday is absolutely harassment. 
I have blocked both numbers that they use to call me ( upwards of 20 times per day, every day, for 2 weeks ) because they obviously dont understand the fact that i will pay them, as discussed, this coming friday the XXXX. 
I refuse to listen to voicemails, i refuse to even accept the calls because being threatened with wage garnishment over literally 1 missed payment is absolutely ridiculous.

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 2019-06-12
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2019 ... we refinanced and paid off the mortgage that was been service by Loan Care. They told me it would take 30days to receive the reserved escrow money. Is now XXXX way more than 30days and we have not seen any money. They also over charged on the fees to get payoff and updates on the # s. Would like to see if this agency can look into why they holding on to escrow money for so long. The account online stating now that it has been {$0.00} in the escrow even all of XXXX.which is not true

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 2021-09-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I noted my credit score dropped by 53 points from XXXX to XXXX as reported to XXXX XXXX by Equifax. The 'see what changed " portion of the credit summary stated only that a " Remark Added to Account '' was done by " XXXX XXXX ''. Review of my full credit report that day showed no such comment and there was no other justification for any drop, much less a 53 point score drop. Indeed, my XXXX score increased from from XXXX to XXXX on XX/XX/XXXX. So I called Equifax and they were also unable to provide me with an explanation to justify the credit score drop. I opened a complaint with them - # XXXX. 

I then opened a concern with XXXX XXXX via their app. They came back to me with an email saying only that they noted a comment by XXXX as the only change on my report. They suggested I contact XXXX or Equifax for more information. 

I then contacted XXXX ( on XX/XX/XXXX ) by the phone # listed on my Credit Report. They confirmed that no change was made to my credit report by them. Only that they had suspended my account while they investigated a dispute of the last paid date which I filed last week. ( XX/XX/XXXX ). This disputed the date I last paid on the acct which was in XXXX, which I incorrectly took to mean the date the account was last paid on time. So they found via their investigation that no change to my report was needed - and they told me they made no change to my report. I asked their ( Credit Dept ) representative what XXXX may have done to cause a 53 point drop in my credit score with Equifax- and they replied that they made no other or new comment on my report.

So what has caused the 53 point drop in my credit score with Equifax? What justifies that when all of my credit activity has been favorable for years and my scores have been steadily increasing?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it may concern. I received a letter dated XXXX, XXXX, 2019 from a SCA Collections. After reviewing this letter I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that HIPPA does allow the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPPA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, through the Consumer Financial Protection Bureau, as a formal debt validation request, which I am allowed under FDCPA because you will deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with the above requested proof. Upon receiving it, I will correspond back by through certified mail return receipt. 

Sincerely, 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 2021-09-22
Company: Square Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I use Square to process credit card transactions. They processed a credit card transaction for {$15000.00} on or about XX/XX/XXXX. They first froze the transaction because it was large. We sent documentation to them initially and they released the transaction. The customer filed a complaint with XXXX bank and sent it to Square. Square then reversed the payment on or about XX/XX/XXXX. The customer then informed their credit card company XXXX XXXX  that the dispute was dismissed by him. XXXX sent a letter and transmission to Square on XX/XX/XXXX that the dispute was lifted. XXXX sent the money back to Square. Square has been holding our money since that time. We have tried multiple times to get a hold of Square with no luck. They have no number to call. If you call their main number, it goes around in an endless voice prompt system. You can never get a person on the phone. I have tried emailed them several times with no response. I have also sent a demand letter to their corporate office in XXXX XXXX with the release letter from XXXX. I have had no response. I have reviewed the complaints about Square which seem to be the same experience I have had. They have no way to get in touch with customer service. They will not return your inquiries. 

I believe they are doing this to hold money and earn the interest on their customer 's money. I have attached the XXXX letter that I also provided to Square.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am paying off two homes with first mortgages on each property. Mr. Cooper is the servicing company and they are charging me on each mortgage the following. 

{$25.00} for Expediated Delivery Fee ( because they faxed the payoff instead of sending it through XXXX ) {$20.00} for Third-Party Reconveyance Preparation Fee ( preparing the Satisfaction of Mortgage ) These fees are not mentioned in my note and mortgage and I have to pay them or they won't release the mortgages. I am hostage to these junk fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 demanded that the following account be removed from my credit report : capital one bank usa account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted CapitalOne several times to have late payments that were incorrectly reported to the credit agencies for the months of XXXX, XXXX and XXXX of XXXX and XXXX of XXXX. I had payment arrangements set uo for these months and these late payments should not have gone on my CapitalOne record or reported to all three agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Experian Information Solutions Inc.
State: CO
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: Problem with personal statement of dispute

Complaint:
I have called XXXX several times about removing incorrect late payments reported to the credit agencies from the months of XX/XX/XXXX to XX/XX/XXXX. I have set up payment plans for these months and have paid off over $ XXXX  XXXX of the cards balance. They even sent an email that says because of my payment history I am afforded the benefit of the total card allowance of XXXX. Yet, they report that I've paid late 4 months?

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 2019-02-17
Company: Experian Information Solutions Inc.
State: NJ
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 DID NOT AUTHORIZE THESE INQUIRIES.. PLEASE REMOVE THEM.IT IS AFFECTING MY POSITION AT WORK AS WELL AS MY HEALTH. XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX Auto Financing   XX/XX/XXXX Experian XXXX XXXX Auto/Truck Leasing XX/XX/XXXX Experian XXXX XXXX Automotive XX/XX/XXXX XXXX  XXXX  XXXX XXXX Automotive   XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX XXXX Student Loans  XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX  Finance/Personal XX/XX/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 2021-06-24
Company: Security Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an alert on my credit file stating Security Credit Services were added to my credit report as an collection. I have made several attempts via phone and left several voicemails, I have sent emails and letters to this company since the beginning of XXXX and I haven't received a response going on two months now. This debt doesn't belong to me nor has the company reached out to me to notify me or provided validation of the debt or the amount they have placed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Student Loan Debt Agency
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/2019 I spoke with XXXX, returned a phone call that I received thinking it was from the fasfa department. The phone number associated with the call XXXX, the other number I called back that was left on my voicemail was ( XXXX ) XXXX. The associate told me that XXXX XXXX the original person that called me was on another line an he would assist me. Then he asked for my full social an I provided him with it .not thinking that it could be a scam he then asked for a debit card or banking information I hung up because it would be XXXX up front for 6 months then XXXX after that. Please help me!!

Company response to consumer: Untimely response
Consumer complaint received 2022-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America has twice allowed a thief to change information on my accounts, necessitating my spending countless hours over XXXX months, primarily due to their evident inability to secure a Preferred Clients account. As a result my account was frozen until I was able to come into a branch and provide proper identification. That alone took XXXX XXXX hours. Yet that same week, on XXXX XXXX the thief was back manipulating Bank of Americas astoundingly ill trained personnel. This despite mountains of notes on my account regarding security, SMS confirmation and verbal passwords. To add insult to injury I had to leave my family alone as I spent my XXXX XXXX speaking to several Bank of America. employees. Then again on XXXX XXXX. I could not believe how absolutely incompetent Bank of America had been, considering that their core business is to keep its clients accounts safe. 
Only after I submitted a complaint with CFPB dis I get a response from Bank of America. In both in this instance as well as in XXXX ( pre-frozen account period ) it was merely to have a perfunctory and non-communicative branch called XXXX XXXX to allegedly discuss my complaints. In both cases their Resolution Specialists XXXX XXXX XXXX and most recently XXXX XXXX XXXX contacted me with an artificial deadline. I responded to both via email and via telephone. I never heard back from XXXX and have been waiting several days to hear back from XXXX. The latter contacted me in the final hours of XXXX. While a colleague XXXX XXXX from Bank of Americas Regulatory Compliance Department actually called me on Saturday XX/XX/XXXX. Nothing was resolved in XXXX and there is no indication that this Regulatory Compliance Department will make amends for the chaos that theyve allowed. As they are clearly trying to run the clock out, apparently in hopes that the issue will vanish. 
Bank of Americas inability to fulfill these fundamentals leads to compromising the security of Bank of Americas consumer business clients, which is at the core of this division of Bank of America. 
Considering Bank of Americas complete failure at their core functions, perhaps they should consider divesting from consumer banking. Given their evident lack of interest and laughably inept personnel facing their clients.

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 monetary relief
Consumer complaint received 2019-05-21
Company: EQUIFAX, 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:
Hello I was told that I can reach out to you all regarding a few items on my credit that is not mine. I went to refinance my loan and yes I was approved but with a high interest rate. I went over my credit with my loan officer and there are items on my credit that are not mine. I have the FTC also and I've filed a report with the police. I'm doing this on my own behalf. XXXX/XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation