BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-17
Company: BARCLAYS BANK DELAWARE
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I did a credit application to see if I qualify, there was no indication that a credit card would be opened at all. I did this application on XX/XX/2018. They said I was approved but never mentioned I'd be getting a card. This was a timeshare presentation with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Cap One has decided to block my account access and restrict me from using my hard earned funds. They said it's due to some things called XXXX XXXX XXXX. This was after I got the card and was encouraged to fund the account. I now have no money because they ares holding cleared money for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: Peer Advisors, LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
I purchased insurance on my home on XX/XX/XXXX to comply with my reverse mortgage. On or about XXXX XXXX XXXX, I received a notice from XXXX claiming I had not purchased insurance on my property. I wrote them back on XXXX XXXX with all the information they requested about the insurance I had already purchased. On or about XX/XX/XXXX, I received another letter from XXXX claiming that I had still not purchased insurance on my property. I called them back right away and the XXXX rep. took all the information again to show I had the insurance. XXXX  ignored all of my communications with them, and even though they had all of my information and could have called me or sent an email, on or about XX/XX/XXXX, I received yet another letter from XXXX claiming that I had not purchased any insurance. I notified the agent for the insurance I had purchased back in XXXX, and he sent a fax to XXXX  on XX/XX/XXXX with all the information about my policy. I also on that date sent a certified letter to XXXX informing them of the many attempts I had made to inform them that I had insurance. On or about XX/XX/XXXX, I received a letter from XXXX  that they had used my funds to purchase a second insurance policy on my home, and that the purchase would show up on the next report of how much I had available in my line-of-credit with them. 

As their actions have now cost me {$1700.00} to pay for a full year of what they claim is a second insurance policy on the same property, my home, and as they continue to ignore any communications from me, I am convinced that this is another scam to cheat the elderly. Can you help me, and what do you advise I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: CORELOGIC INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is a not permitted this company to check my credit no knowelegge about this company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I do not recall ever opening these accounts. My military service began in XXXX, so I was not attending college : XXXX XXXX XXXX opened on XX/XX/XXXX, last active on XX/XX/XXXX. {$45000.00} XXXX  : Opened in XXXX, last active XX/XX/XXXX, {$23000.00} XXXX  : Opened in XXXX, last active XX/XX/XXXX {$22000.00} These accounts are old, so I would like to have them removed from my credit report : XXXX  XXXX XXXX : Opened in XX/XX/XXXX, last active XX/XX/XXXX XXXX XXXX  : Opened XX/XX/XXXX, last active XX/XX/XXXX XXXX XXXX  : Opened XX/XX/XXXX, last active XX/XX/XXXX XXXX  XXXX : Opened on XX/XX/XXXX, last active XX/XX/XXXX XXXX  : Opened on XX/XX/XXXX, last active 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 2020-05-13
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
According to the XXXX website, PNC has made changes that prevent XXXX from linking to my checking account. This account would allow me to save up to 25 % on my fuel bills. Upon calling my local PNC branch, the teller had no idea why XXXX could not be linked to the PNC Account. XXXX had a link on their site to this site ( Consumer Financial Protection Bureau ) and suggested the problem would best be resolved here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: Optimum Outcomes, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On today, Optimum Outcomes, INC reported an account to my credit without my knowledge. They have contacted me about a debt in the amount of {$2900.00} that I did not authorize. They have called every single day and night seeking payment. I did not authorize this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
XXXX, and Capital One have refused to remove these credit inquiries from my reports. I did not apply for credit with XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX % XXXX veteran very difficult. 

Hard Inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX My Credit security was breached. On XX/XX/XXXX XXXX  reported a data breach impacting 145.5 million people. Get up-to-date info on XXXX XXXX Incident site. I was notified by XXXX XXXX : " Based on findings that go back as far as XXXX, weve found your info in an additional 1 breach. '' You've been in 2 breaches We checked our database of over 13 billion breached accounts and your email address, XXXX, showed up in 2 data  breaches. That means some online accounts and personal info may be compromised. Data breach details View the details for each breach here, and then follow the steps below to help protect your accounts and identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( also known as XXXX XXXX, XXXX XXXX, originally incorporated in the state of XXXX, is no longer in business. In XX/XX/XXXX, a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses, all of  which was used as part of an enormous spam operation. Once, de-duplicated, there were 393 million unique email addresses within the exposed data. Not Disclosed The name of this breach hasn't been shared publicly yet. This usually means it's part of an ongoing investigation, or the site could be considered controversial ( and it's hidden to respect your privacy ). Either way, your info is still exposed and you should take steps to protect yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On 6 different occasions CitiBank had contacted me by mail, or through their website when I login asking for information for their " Know Your Client '' initative. I have provided the same information over and over to them. I have been to my local branch working with their representative to solve the issue as well with no avail. As of XX/XX/XXXX they indicated that if I don't provide additional information they would freeze my account. 

Being very frustrated, I still decided to contact them again and provide the same information over. the representative who was offshore assured me that they have all the information they need and nothing else was needed. Thursday, XX/XX/XXXX Logged into my account to see all 3 of my accounts have been frozen. I can't pay my bills, I can't wire money to may account which causes an issue since many of the creditors I pay have ACH setup. 

I went back to the branch again and the the representative XXXX XXXX apologized and made every attempt to resolve the issue by making phone calls internally. She indicated this could take hours and that she would call me back. I got an email form the VP of the Branch XXXX XXXX XXXX on Friday saying that he was working on the issue. 

I even called the XXXX # and connected with the representative that would not allow me to speak to a supervisor. I got hung up on and called again and connected with a Supervisor who said they needed a copy of my driver 's license which I emailed to them immediately and got a confirmation. I was told that someone would call me on Friday to give me an update or to let me know when my account was unfrozen. As of right now no one has called me, my account is still frozen. I have bills that I am unable to pay including a mortgage. 

I have been a client of CitiBank since XXXX they are the only bank I use for my personal banking, I have 3 account with them all my income, and expenses is processed though their account.

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 2019-05-22
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, I am having issues with the company ProCollect ( XXXX. XXXX XXXX XXXX, TX XXXX ) regarding an alleged debt from an apartment complex I moved out of on XX/XX/XXXX. In XX/XX/XXXX I received a call from ProCollect claiming that I owe {$820.00} stemming from a supposedly outstanding balance from XXXX XXXX XXXX XXXX XXXX XXXX, TX. Upon moving out from the aforementioned complex, I confirmed with the Lessor that my balance was paid in full. I was not contacted until almost 6 months later regarding the alleged debt. Since that time, I have submitted written & verbal requests that collection attempts be ceased based on my dispute of the alleged debt 's validity. I was instructed by the company to send proof via email, which I did. However, I received a letter today stating that my credit, ability to obtain employment, purchase a car or home, or qualify for further apartment rental may be " significantly '' affected if I do not remit payment to the collection agency. In my estimation, the continued attempts to collect after verbal & written demands to cease & desist have been made stands in violation of my rights under the FDCPA. This company appears to be incredibly unscrupulous and has continued to harass me via phone calls from various phone numbers with repeated calls, despite my formal request to cease collection attempts.

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 2019-05-22
Company: Student Loan Direct
State: TX
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:
I received a call from the number ( XXXX ) XXXX - XXXX from XXXX XXXX, CA on XX/XX/2019. They told me I was pre-approved for a student loan forgiveness from Student Loan Direct. They asked for my name, my burthday, and for my FAFSA log-in information. The employer was XXXX XXXX. His personal work phone number is ( XXXX ) XXXX-XXXX He even asked me for my password for FAFSA, and I told him I did not remember, so he reset it for me and made his own password. 

He then told me my total loan amount was : {$38000.00} and after interest it would be {$61000.00}. He said if I made four monthly payments for {$250.00}, I would then be put in a program that would allow me to pay {$0.00} for 240 months. After the 240 months, my ENTIRE student loan would be pay off at the total of {$60000.00}. 

They then sent a contract to my email, and asked me to sign on the spot without having the chance to read and go through. They asked for a debit/credit card that I can make the monthly payments. They did keep repeating that they had nothing to do with the Department of Education and that they needed to submit my application first.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: SYNCHRONY FINANCIAL
State: CA
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 / Synchrony Bank does not honor billing address in an order 's final details for purchases made online through XXXX. They do not confirm that emails are sent to the correct email address for the person name listed on a purchase final order details. As a result, i had a debt and credit card that i was unaware of go to collections and it has damaged my credit score. They made no attempts to reach me by phone, reach me by either shipping or billing address before sending this to collections. No parties involved have been willing to help me resolve this in a correct and fair manner.

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 2018-09-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company continues to harass me even after I sent a certified letter requesting that they first validate the debt and second cease all communications with me. This company buys debt that has been charged off by creditors and then threatens lawsuits, sends people to your house stating they are there to serve you court papers and actually files lawsuits. I sent them a certified letter on XX/XX/18. They signed for it on XX/XX/18. In XX/XX/2018 they filed something with the court. I'm not sure what it is. They sent someone to my house on XX/XX/18 to serve me papers. I was not home. They are harassing me over alleged credit card debt owed to someone else, not them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is submitted on behalf of the borrower by her advocate. It appears that Bank of America ( BofA ) may have failed to comply with the Mortgage Servicing Rules Under the Real Estate Settlement Procedures Act ( RESPA ) and Californias Homeowners Bill of Rights ( HBOR ). 

Said advocate submitted a written Information Request on XX/XX/XXXX. BofA did not acknowledge receipt in writing to the advocate or the borrower. The advocate called BofA on XX/XX/XXXX. A BofA representative explained that the request was denied because the Third Party Authorization forms signature didn't match their records. Please note, that the advocate had been speaking to BofAs management team regarding this borrower since XX/XX/XXXX ; upon approval of a one-year authorization executed on XX/XX/XXXX. 

It is the advocates understanding that BofA shall comply with RESPA if the written information request included the borrowers name and information to identify the account. It is also her understanding that if BofA decided to deny the request, they were required to notify the borrower in writing within five days. Yet, BofA dismissed the entire request without advising the advocate or the borrower, as notated above. 

The advocate conferenced in the borrower during the XX/XX/XXXX. The borrower verbally re-authorized the advocate. Per BofAs representative, the authorization would be valid until XXXX. He then advised that the XX/XX/XXXX request would be re-reviewed. The advocate called BofA on XX/XX/XXXX. She was transferred to three different representatives. The first representative claimed she was not authorized but transferred her to escalate. The second representative claimed she was authorized but transferred her to check the request status with someone else. The third representative claimed she was not authorized, so she should resubmit everything. The Single Point of Contact has never been available, as noted on the correspondence between the advocate and BofAs management, which appears to violate HBOR. 

The advocate submitted a Qualified Written Request on XX/XX/XXXX via U.S. Certified Mail. She submitted it to three different addresses, since BofA does not have a single address listed on their website, which may be another violation of RESPA. The advocate had one address from the time the Information Request was submitted but called BofA to confirm if it changed. The advocate was provided a different address, which explains the multiple addresses listed.

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 2018-11-17
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortagage has not sent us the {$1200.00} that was remaining in our escrow when we sold our house. The house closed on XXXX and we should have received it by now.

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 2018-11-18
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received a notification on XX/XX/2018 from XXXX & XXXX is still investigating, and inaccurate reporting of bankruptcy discharge in the file they maintain under my social security number. The documents I received from these agencies list its " method of verification '' from XXXX or XXXX XXXX. I have attached a recent letter from XXXX XXXX reporting the inaccurate bankruptcy has been removed from the files they maintain under my social security number. I have requested from both their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Both are operating in bad faith which is an additional violation of FCRA 611 ( 5 ) ( A ).

According to 15 U.S.C. 1681 Fair Credit Reporting Act Section 602 ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX I fell behind in payments as a result of a divorce and reached out to Wells Fargo to advise even though my wife at the time had missed payments. Through some hard work and careful planning we were successful in selling our home in a standard sale on XX/XX/XXXX. Although we sold our home and made Wells Fargo whole, Wells Fargo is reporting on my credit report that they foreclosed on my home. The process in California to foreclose is as follows : Prior to foreclosing on a home a lender must record a Notice of Default. The Notice must remain in place for three months after which time the lender can record a Notice of Trustee Sale which can take place at public auction in no less than twenty-one days. The Notice of Default was  recorded on XX/XX/XXXX and Wells Fargo was paid in full on XX/XX/XXXX. The payoff occurred through a standard sale, Wells Fargo did not foreclose and at the time was not legally able to foreclose since the Notice of Default period had not elapsed.

This is yet another systematic failure for Wells Fargo. Wells Fargo knows they have reported foreclosures erroneously for me and several thousand other borrowers. This should be dealt with immediately and with the full force of the law. This is a shameful practice. this issue has resulted in me being rejected for credit and has caused me to pay more in interest for the credit that was granted to me.

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 2019-05-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/2019 I received a phone call from a company named XXXX XXXX XXXX, who say that they are collecting on a debt from Chase. They told me that they would send me the paperwork for payment, which I did not receive. The morning of XX/XX/2019, they called me back. I informed them that something didn't feel right, and that I wanted to look into their company. I was put through to the individuals supervisor, who was rude and tried to discourage me from looking them up. When I got off the phone, I contacted Chase, and they informed me that they sold my debt to a collection agency named XXXX XXXX, which is no longer in business. I have tried to look up this XXXX online, and can not find anything but complaints of scam. I then received an email from the company, from someone I never spoke to, with forms for me to fill out. Attached are those forms, which I have not filled out. Since then, I have received another call and they left a voicemail telling me that the lawyer has stopped by the office, to drop off my files. The amount they say I owe is {$910.00}, but have settled for {$900.00}. I am afraid that the company is trying to scam me. What should I do?

Company response to consumer: Closed with explanation