BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
Portfolio Recovery Associates made an agreement with me regarding XXXX credit cards I used to have they harassed me for months and I eventually agreed to pay. They have never proven the debt I have asked over and over again all they do is send me statements on how much is still owed on the agreement every once in awhile. Today they sent me letters of the balance and it was more then what was owed. I called and a representative said to me after 9 months of paying on time that the agreement was never valid cause I had not paid by XX/XX/XXXX as in the agreement. I immediately got off the phone and looked for the agreement for both cards it started XXXX/XXXX/2015 I called back and informed another agent. She was looking up the account and said I am going to help you pay this off you need to just pay a little more a month. I told her I am paying the agreed amount three more months as required then I am done. I also told her that have not reported to the creditors that I have been paying the last 9 months. This company is always trying to go against the agreement we have and send me letters that I owe more. 

XXXX accounts : XXXX XXXX Account they said balance was {$450.00} and card only had {$300.00} limit my monthly payment {$37.00} XXXX. Paid up to XX/XX/XXXX. 
XXXX XXXX XXXX they said balance was {$2000.00} my monthly payment is {$150.00} XXXX. I just paid XX/XX/XXXX payment however they have not received it yet. 

They continue to harass me and try to lie and attempt to get more money out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please review the police report and remove the items

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 2015-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX XXXX, 2015, I faxed a letter to Transunion asking for a few items to be placed under investigation. I received a letter from Transunion dated XXXX/XXXX/15, stating they do n't understand the nature of my request. My letter was very clear and concise as to what it is I am asking them for. They have delayed the process now for XXXX days, which is very unacceptable and they have failed to conduct a proper investigation as they are supposed to begin the investigation within a certain timeframe of when the request for dispute is received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-08
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
GMAC HAS AN ACCOUNT OSTED ON CREDIT REPORT THAT IS PAID OFF. THEY CONTINUE TO TRY TO COLLECT ON DEBT, POST ON CREDIT REPORT AND STILL OFFER TO DO PARTIAL PAYMENT AND XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My ex-husband filed for bankruptcy on XX/XX/2013 and submitted the application with my forged signature. I did not sign or file any paperwork for this bankruptcy and had no knowledge of it being filed until yesterday. It is on my credit and affecting me greatly. I would like it to be removed. I have filed fraud case with the department of justice today. I have proof that we were n't married at the time he did this and that my signature was forged.

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 2015-08-05
Company: United Resource Systems, Inc
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
ATTN CFPB THIS IS NOT A DUPLICATE COMPLAINT, I HAVE BEEN AWAITING TO HEAR FROM UNITED RESOURCE SYSTEMS IN REGARDS TO MY RESPONSE TO THIER RESPONSE, BUT I HAVE YET TO HEAR BACK FROM THEM IN REGARDS TO MY RESPONSE. AS UNITED RESOURCE SYSTEMS IS NO DOUBT AWARE THEY HAVE LEGALLY FAILED TO VALIDATE THIS ALLEGED ACCOUNT INFORMATION WITH ME ACCORDING TO THE LAW, THEY HAVE ALSO NOT PROVIDED ME WITH A COPY OF WHERE I HAVE A LEGAL OBLIGATION TO PAY THEM ANY MONEY FOR THIS ALLEGED ACCOUNT. MY COMPALINT NUMBER THAT I PREVIOUSLY HAD WITH THEM IS XXXXCFPB PLEASE FORWARD THIS TO THE COMPANY, THANK YOU. 

This 2nd complaint is being filed against United Resource Systems in response to the above reference account that United Resource Systems has reported and listed on all three major credit reporting agencies ( XXXX XXXX. Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 XXXX b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that your offices have reported invalidated information to ALL three of the major credit bureaus ( XXXX XXXX this action constitute Fraud under both federal and state laws. Due to this fact, the negative mark that are found on all three of my credit reports by your company, or companies that you represent. I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST UNITED RESOURCE SYSTEMS FOR THE FOLLOWING : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Experian Information Solutions Inc.
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:
Experian keep failing to remove the last account on my report that has already been disputed won and removed on the other 2 main reports and continue to violate me alone with that my loan approval have sunk due to his lie i in return should have L1 credit on all 3 report instead its only on 2 please get them to contact me before i seek a lawsuit.

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 2017-02-13
Company: AES/PHEAA
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I qualify for a loan forgiveness program because I work for a XXXX. FedLoan got my loans, and did not inform me they were my loanholders- or that I had my first payment- until three days after that first payment was due. They then informed me via mail, email, and on my account info that my payment date was the XXXX of each month, but they 've been charging me TWICE a month ( the XXXX and XXXX ) and refused to change the loan due date until I was current, which is difficult to do with my finances and the fact that they 're asking for over {$300.00} a month from me. I just managed to do it days ago, and informed them of such ( they asked me to tell them when I was current so they could help ), and they still have n't changed my due date to a singular date on the XXXX, which means that they " ca n't '' change it until I pay them another {$150.00} because that extra payment was due today. From talking with friends and family who use FedLoan, this sort of theft seems to be common with them, and of course no one reports it because only " a few hundred '' gets swindled. I 'll happily pay back my loans, but I ca n't pay them back if the money does n't physically exist to do so. At no point did FedLoan EVER inform me that I was on any sort of " twice a month '' payment plan, and even looking at my account info right now it says I pay on the XXXX. Not the XXXX AND the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Waypoint Resource Group, LLC
State: FL
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:
There are two collection items listed on my credit file from the same company called Way Point. I have never received any notices from this company nor do I owe a copy called XXXX XXXX House. There is one account ( same company ) stating I owe XXXX and another account same company saying I owe {$160.00}. No verification or any notice has ever been received nor do I re call these account. Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: U.S. BANCORP
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
On XX/XX/XXXX, we turned in the XXXX XXXX leased from XXXX dealership in XXXX. Lease # XXXX through US BANK.The dealership did not ground the car and we get a bill for in XXXX for {$72000.00}. We went back to the dealership and they cut us a check {$720.00} what was owed to us bank.than we get another bill for wear and tear and extra mileage and extra rent that was due.for {$360.00}. Total bill {$1900.00}. We paid the {$360.00} to end of lease payment. I wrote US Bank on XX/XX/XXXX asking for a breakdown of where this extra rent payment of {$36000.00} came from and a wear tear statement when turned the car in back in XXXX, We have not had this XXXX since XXXX and have since got another XXXX back in XXXX. Received no breakdown from us bank, just another demand notice aski g for now {$1500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: FIRST CITIZENS BANCSHARES, INC.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a premier checking account with First citizens bank. Then on XXXX send them a mail after talking to them that convert into a free checking account. But it is still not done. To my surprise this bank charges for phone calls made to it for customers ( they say that they do n't charge for the first XXXX phone calls but then charge {$1.00} even for automated system ) ... this is absolutely ridiculous way of making money. 
Till now my online account says that it is not converted into the free checking account. Why??? Moreover because the online website is not good - customer will be calling to make sure but will they be charged? Where in the world these folks are living?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-23
Company: Pinnacle Credit Services, LLC
State: ME
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Called and was swearing on the phone cause I keep fighting this account where it it 's not mine and they have not sent me anything signed by me Account was from XXXX and have never had it Also is reporting missed payments Ive never made a payment and am not going to unless I get something signed so I can see who signed it also reporting the wrong date on account the paper they showed me from the account shows a different date account needs to be removed until I get a signed paper and can verify my signature

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2021-03-14
Company: National Credit Systems,Inc.
State: AZ
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Paypal is constantly holding on to my money! I sold an item on XXXX and I can not withdraw funds. They keep holding on to it by saying we need more verification. Give us 4 to 5 business days. I submitted everything but theres no response! Please investigate. My money is being hold by them unavailable for no reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
Had CC debt that was not being paid in XXXX XXXX. Chase charged off debt in XXXX. Issued a 1099 C in XXXX to IRS, sent XXXX to me at wrong address noted on 1099C. IRS contacted me I XXXX XXXX stating error on XXXX tax return and are demanding {$1600.00} payment immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, I applied to WellsFargo to have my husbands {$210000.00} WellsFargo mortgage loan refinanced at a lower rate. After having submitted all the necessary paper work, underwriting said that it " LOOKED '' like I had a mortgage loan in XXXX that was foreclosed on. I informed underwriting, via my loan processor, that I payed cashed for the property, so there was no mortgage. Underwriting requested that I submitted a statement to that effect, which I did. My loan officer later told me that the statement was not sufficient, so I submitted to the loan processor proof that I paid cash for the loan. That was still not sufficient. Later, I was told that we were denied the loan. 

Additionally, WellsFargo was the bank that we initially when to to get a loan from for the property which we were attempting to refinance with them. They denied us then, but WellsFargo ended up purchasing the loan from XXXX, go figure. 

Finally, we will be closing on Friday with another lender who could not understand why WellsFargo denied us the loan.

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 2021-03-14
Company: Resurgent Capital Services L.P.
State: OH
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I have account with coinbase. I bought crypto currencies from this platform. For no reason coinbase have restricted my account. I am not able to manage my account. I have sent few complaints to coinbase and every time they created new case no, and are not resolving my problem. 
I feel very helpless as to what should i do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with chase. I 've have been foreclosed on twice now by chase for them making mistakes on my escrow account. Paid over {$28000.00} to get my house back for first time, and two months into payment they said I owed {$13000.00} more and had to be paid immediately or they would proceed with foreclosing process again. I 've been going back and fourth with chase bank for over 5 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Santander Consumer USA Holdings Inc.
State: OH
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I mailed an certified letter to Trans union to verify incorrect info reporting on my credit report. Ex Bankruptcy Case Number : XXXX In response to my request, Transunion did not provide documentation where the information was verified to be accurate. Transunion also claimed to have verified with XXXX XXXX  in the past, i have sent them a letter from the company starting they were not able to verify this info.

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 2015-07-21
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX late medical bills for which my wife was the patient were posted to my Credit repot. The debt collection agency Was Grant Mercantile in XXXX, Ca. The billing medical facility was XXXX XXXX XXXX of XXXX, Ca. and XXXX XXXX XXXX of XXXX, Ca. My Name is XXXX XXXX. The items on my credit report were # XXXX and # XXXX. I understand that myself and my spouse are XXXX family unit and responsible for each others bills. However outstanding bills from my wife 's medical treatment should be posted to her credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I got a call from XXXX threatening to sue me for a debt they could not present, they said they have no information other than it was already being processed through the courts. They said they serviced me at an address i did not live at for over 10 years they have threatening to garnish my wages. They immediately said they can lower the debt from {$900.00} to {$400.00} if i paid over the phone today with a credit/debt card. They seem to have my personal information such as my last XXXX numbers of my social security and my moms last name.

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 2015-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Other fee

Complaint:
I received a robo call from Capital One saying that my account was overdue because I missed a payment on my credit card. I had not used my credit card for over a year so I was confused. When I signed on to the online banking I had received a late fee and found that I had a new annual fee placed on my card that were not part of the original terms. I went through all of my communications and found that I was never notified that I was going to be charged an annual fee. There were also no documents in the online banking showing that an annual fee was going to be charged. I called Capital One and they could not confirm that I had received any communication regarding the change of terms and the new annual fee that I was being charged that also led to a late fee because I had no idea I was being charged the annual fee.

Company response to consumer: Closed with monetary relief