BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recov Collection Agency has violated the code of ethics and they're also in violation of the FCRA. XX/XX/XXXX This agency appeared back on my credit reports after some time. The tactics they have been using should be illegal. They have been manipulating 2 different acct numbers to act as 4 different accounts with different dates and balances. They use acct # XXXX, acct # XXXX acct # XXXX and acct # XXXX. For the past 3 mths claim information has been fluctuating. Every time i dispute their claim a piece of information would change for their benefit. I contacted them via their website and they had 1 collection in my name it was the # XXXX acct and that acct didn't even mirror what was on my reports. They used 4 acct numbers to appear as 2 accts and wasn't even accurate with with important details on all reports. One time using the exact same acct #, the exact same date and exact same balance on my XXXX report and at times they used 2 different addresses at the same time. On XX/XX/XXXX. I told them they were violating the code of contact and violating the FCRA. They retaliated by making a ton of accounts using the same account number, making up claims, using the original collector 's ( XXXX XXXX ) name and logo and maliciously flagged my account with a public comment. All of those accounts they made up stayed on my credit for weeks until the investigation was over. I was denied credit because of them. I was approved for a XXXX XXXX card then a week later denied because of them. That collections agency hasn't contacted me one time since they claim they had debts owed by me but as soon as i said i was going to report them they stopped making false claims and they sent letters with REAL and FULL account numbers. As of right now they stil have different collections start dates than they originally had. I read XXXX XXXX 3rd party agreement and they are not following their wishes. They were supposed to contact me and help me settle my account, my account was to be charged off and to stau closed, they opened the accts back up without my knowledge and they wasn't suppose to use XXXX XXXX name to collect a debt. They knowingly made up fake accts just to hurt my credit. I had to purchase credit protection from XXXX to stop them.After what they've been doing to me, violating the code of ethics and me getting denied credit when i shouldn't have, I don't feel like i owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: PNC Bank N.A.
State: MO
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:
RE : PNC Bank - XX/XX/2021, I received a Statement of Credit Denial letter RE : HELOC. In a previous phone conversation, the Representative stated my request was Denied based on my XXXX  credit report.? the XX/XX/XXXX, letter clearly states XXXX  was used not XXXX. Nevertheless, I owe XXXX on my home, my home has been Appraised as high as XXXX, I have a minimum of XXXX Equity in my home and Im being tormented about 4 already paid medical bills, XXXX XXXX  Revolving charge account and my auto XXXX balance which I pay BOTH on time. Im selling my auto this month to pay balance in full. Thats {$300.00} ( payment + insurance ), I can use to keep my HELOC payments on track. Its a pandemic, my payments are current, lots of people can not make their payments but, I can. 
Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Cap One Inquiry from XX/XX/2018 Through XXXX XXXX I learned that the above hard inquiry was made in an attempt to get credit in my name. I did not initiate this or part of this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2018 I contacted XXXX as a result of identity theft and inform them that I have not received no credit or any phones from them and that they needed to correct my credit report as they have denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX I attempted to use my Southwest Rapid Rewards VISA card and was told that it had been blocked by Chase Bank due to fraudulent activity. I called in at that time and identified all of the questionable charges as legitimate, as I was in the process of moving and one of the charges was for the moving company and the other was for a lunch I had taken a fellow who had helped me pack. I explained to the agent at that time that I was in the process of moving and the block on my account was lifted. This morning ( XX/XX/XXXX ) I attempted to purchase office supplies from XXXX XXXX, a company that I regularly do business with and had ordered supplies that I usually include with an online order. I received an e-mail this morning from XXXX XXXX after I had completed the transaction online that the transaction was declined and shortly thereafter received an e-mail from Southwest Rapid Rewards Visa ( Chase Bank ) that two transactions had been blocked ; the transaction with XXXX XXXX and a transaction with XXXX XXXX XXXX for the rental of a unit I have with them. I have leased this space for three years and each month on the XX/XX/XXXX or XX/XX/XXXX of the month XXXX XXXX XXXX places a charge for the monthly rent. I later called Southwest Rapid Rewards VISA ( Chase Bank ) and verified that both of these charges were legitimate. I was told that the block on my card had again been lifted. I then questioned why a ) a charge that was recurrent every month had been blocked ( and clearly was legitimate ) and b ) why a charge to a merchant that I regularly do business with for items that I regularly purchase online was blocked. I then got passed from department to department with no clear answer being given. Several minutes later I called XXXX XXXX to ask them to resubmit the transaction on the Southwest Rapid Rewards VISA and they told me the account was still blocked ( in spite of the fact Chase Bank had previously told me they had lifted the block on the account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: U.S. BANCORP
State: TN
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:
On XX/XX/2018. Elan Financial reported my payment as 30 days late. Payment was made within grace period. I have called and spoke with representative, also sent Goodwill letter. They refuse to remove the inaccuracy. I have never been late and has since paid account off. This is negatively affecting 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 non-monetary relief
Consumer complaint received 2018-05-11
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This creditor is reporting negative debt against my credit report and has refused to delete it. This creditor is in violation of several consumer credit rights under the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I open a credit card with XXXX XX/XX/XXXX I was late in XX/XX/XXXX due to financial hardship due to job loss I have tried to get them to remove late payments since I have been current with them since XX/XX/XXXX they have refuses to do that stated they can not remove them from credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit reports from all 3 bureaus in XX/XX/. I noticed on one of my reports that there is a collection from Transworld Systems. I do not know what this debt is for or pertaining to and do not believe it is mine. I sent them a debt validation letter requesting documentation proving that this debt is mine on XX/XX/ via certified mail. I have not received any communication from them. I have disputed it with the credit bureau but it is still actively being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage with Rushmore loans is XXXX per month. I have been on time. prior the loan was with XXXX, and I was always on time. I logged in XX/XX/21 to make my payment, and my payment was increased to XXXX no phone call, nothing in writing at all about the increase. I called on XX/XX/21, spoke with XXXX, he said escrow was XXXX, and now they included it stretched over a year. I asked for detailed escrow info and he said they have to mail it. He said he would call me Friday, XXXX and perhaps they can stretch escrow over 72 months or longer. I didn't hear from him on XXXX, I called again- I spoke to XXXX , and said it should be fixed that night. I just checked, payment hasn't changed. no phone call. I bring home XXXX every 2 weeks ; I can't afford XXXX per month and still pay other bills. Is there any help I can get? 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX refinanced mortgage with XXXX XXXX {$120000.00} Ownership of the loan was transferred to XXXX XXXX XXXX XX/XX/XXXX the loan was modified and new monthly payment amount began XX/XX/XXXX. The monthly payment amount changed ( reduced ) and the maturity date moved from XXXX to XX/XX/XXXX. 

XX/XX/XXXX ownership of the mortgage was transferred to XXXX XXXX XXXX XXXX XXXX. The lenders information is currently listed as Select Portfolio Servicing , Inc., ( SPS  ), XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX The terms of the original loan modified monthly payment amounts applied to principal and interest after a ten year period ; applying a larger amount to principal. 

Fifteen years from original loan, a greater portion of monthly payment is being applied to interest. It is mathematically impossible for the total to be paid ; as of XX/XX/XXXX The ending balance is listed as {$88000.00} ; explanation of amount due XX/XX/XXXX : Principal= {$320.00} Interest= {$360.00} Regular Monthly Payment= {$680.00} When I phoned SPS, I was told there wasnt anything they could do, they only service the loan. 

Any assistance you can provide in resolution of this matter, is greatly appreciated. 


Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
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: Account information incorrect

Complaint:
I sent an email to equifax that the car loan with XXXX was paid in full and should not be showing an open balance. I got the run around that I had to send another request to someone else. I think that is hog wash. The ball is still in their ball park. They should have taken the initiative to forward that email to the correct person. They are the ones who have it wrong. I should not have to go through a song and dance with 20 different people. I think these so called credit bureaus have too much power over information that should be more readily available. The account has not been updated since XXXX of 2017 when the account was paid in full. I am trying to get my credit score repaired so I can get a reliable car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Nelnet, 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: Information belongs to someone else

Complaint:
XXXX Private Loan is a fraudulent account this erroneous charge needs to be deleted immediately with urgency. They sent this to a second party Firstmark Services. Now, they sold it to a company based out of XXXX known as XXXX XXXX XXXX XXXX. This account was opened in XX/XX/2009. The initial amount was {$12000.00} due to interest {$24000.00}. Ive reached out to all parties. Ive filled out a police incident report, FTC report, Ive done everything they requested over the past year. This needs to be removed and permanently deleted from my credit report dropping my credit over 100points this is egregious.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Everest Receivable Services Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Received scare tactics to family members who would not provide my address. Received automated calls stating federal employees will arrest me or a warrant will be issued if I did not call back within a certain time frame. Told I was sued and I have to pay $ 1000s but never received court ordered documents to back up claims. Received multiple calls after advising not to contact my phone number anymore. I contacted the Payday loan service who said the debt was sold to a 3rd party and the company is not suing.

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 2016-09-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Several years ago, perhaps four years, I noticed the account balance of my mortgage balance had dropped significantly by approximately {$40000.00}, There was no explanation in my account statement for this. At that time, I thought perhaps my mortgage account had been credited back for inappropriate charges, fees, and negative amortization payments. Wells Fargo employees that I spoke with her baffled, and could not offer an explanation for this account balance fluctuation. After several months, my mortage loan balance increased again.

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 2020-05-03
Company: WELLS FARGO & COMPANY
State: NE
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
The use of the greenhouse program at Wells Fargo is a product that shouldnt be used. The product has options that have already been around for years in the banking community with the use of debit cards. They just came up with a name to sell or market the product. I believe it needs to stop immediately.

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 2019-05-01
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX of last year I was involved in a hit and run. Somebody hit our car from behind and sped off. I went to the hospital and everything that was done for me at the hospital was handled by my lawyers at XXXX XXXX XXXX in XXXX North Carolina. Their phone number is XXXX. My lawyer reached out almost a year ago and said they would take care of all the bills and to not send me to collections because they would be paid in full. According to my lawyer they were in compliance. I have taken very great care of my credit over the years reaching over an 800 at one point and I would not have let this gone to collections if I knew it wasnt going to be handled by the debt collectors. I  noticed I was sent to collections on Friday night because I am in very close contact with my XXXX XXXX  and I have reached out to my lawyers and they said it was just finalized and payments for doctors and bills were going out within the next week. I also havent received any paperwork I only know about the debt from the hospital calling me. My address is XXXX XXXX XXXX  XXXX XXXX NC XXXX I havent received anything saying I was being sent to collections other than knowing I owed money to my doctors but they have been talking to my lawyers the entire time. I dont understand why I was sent to collections when I was being told everything would be paid in full by my settlement. This is obviously a huge misunderstanding and I am taking a huge punishment with my credit score being attacked and dropping 60 points. Please help me resolve this. I was the victim in an accident and I dont want to be the victim in another case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As of the date XXXX Portfolio Recovery Associates has resent a notification of a debt in the amount of {$3300.00} that I do not owe .According to my priorCFPB complaint ID XXXX and ID XXXX the matter was closed. Also I received a notification XXXX stating a XXXX amount owed. I regard Portfolio Recovery Associates latest action as harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Experian Information Solutions Inc.
State: NY
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:
Just tried to submit a dispute online again with experian for the XXXX XXXX XXXX XXXX union account and XXXX XXXX XXXX that has fraudulent charges on it. Experian will not allow me to re-dispute again. It is my right to submit as many disputes I want for information that dont belong on my credit report. Message said they will not re-dispute this information for me. This is completely wrong

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: WELLS FARGO & COMPANY
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Long story short, Wells Fargo decided to end our banking relationship. In doing so, they canceled all pending transfers, including one from another Wells Fargo account. The transfer was for {$1600.00} from their customer XXXX. His cell phone number is ( XXXX ) XXXX. I sent the product to him and now I am unable to reach him. I would like Wells Fargo to help in one of the following ways : 1. Reimburse me for my loss. 
2. Facilitate me receiving the payment from their customer. 
3. Provide me with the customers details so that I can file a police report. 

I am not sure which one of these is necessary because I am unable to get in contact with their customer, 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 2018-05-11
Company: Convergent Resources, Inc.
State: NV
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:
I have had several messages left in my voicemail box stating that I will be served with legal papers to my address on record. I spoke with a representative from XXXX XXXX XXXX  and made a request for original contracts and agreements to be sent to me at my address detailing the debt that they claim I owe. I have not received anything showing that I owe the funds other than repeated calls at times as early as XXXX XXXX XXXX in the XXXX. XXXX XXXX XXXX has also damaged my credit by placing the amount of {$680.00} as a delinquent collection account which is adversely lowering my credit score and preventing me from qualifying for a mortgage program.

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 2021-05-06
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed a credit card on my account summary that was not my credit card. I filed a dispute but the charge remains the same when I had no acknowledgment of the account, and it is not mine.

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