BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Credit Bureaus are not reporting monthly credit card payments on time. Payments are not reflecting on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a house fire to my apartment building XX/XX/2021. I have been issued money through my insurance company. Due to me having a mortgage Carrington Mortgage company was added to my claim loss. Carrington has cashed checks from the insurance company, and has advised me the check bounced. Proof was submitted to Carrington the check cleared. However, Ive paid my contractor, and Carrington has stopped payments on checks thats already cleared their bank, and has been giving me problems not wanting to reissue the funds in order for me to complete the repair process. 

I have advised Carrington on several occasions to set up an inspection for my unit so that more funds are released, but its like pulling teeth for them to send out an inspector. I was advised all checks that I send into Carrington is put into a Escrow Account, and I am reissued a check through Carrington. One would think, the mortgage company would just endorse the check from my insurance company and mail it back out to me. Carrington instead puts my money into an account I know nothing about. Carringtons failed to release my funds, in order for me to complete my house fire claim. I have been without rent for 10 months due to their negligence. 

XXXX at Carrington went so far and requested bank statements from my insurance company to verify this check didn't bounce. The insurance company had already provided XXXX a copy of the cleared check and the date the check cleared the bank. This has put me in a bad position with my contractors, XXXX stopped payment on a check of mines, and she should have never done that, considering the check had already cleared in Carringtons system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Ace Cash Express is holding me liable for a payday loan account I didnt apply for. The account is fraudulent and an unauthorized pay day loan account. I filed XXXX  XXXX bankruptcy with the United States District of Court District of Minnesota Bankruptcy Court. On XX/XX/XXXX all of my debt was discharged under XXXX  XXXX bankruptcy in bankruptcy court. I never applied for any payday loan account with Ace Cash Express. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2021 I spoke with XXXX at XXXX XXXX on a Saturday. He asked for payment, I informed caller I would go into the clothing store to make payment and he proceeded to ask why and started raising his voice. I informed caller because I have the right to pay in store and he continued to yell and tell me I needed to pay with a debit card. I informed he was yelling and tried to explain that I have an option to pay in store and he confirmed I had an option to pay in store but he proceeded to get loud and speak over me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: PNC Bank N.A.
State: DE
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
I 'm XXXX and XXXX and XXXX and also will be filing complaints against them for discrimination against people with XXXX. I wish to make a complaint against PNC Bank. On XX/XX/XXXX, I attempted to use my XXXX Debit Card to make online purchases and received an error that my card was invalid, I then attempted to use my card again on XX/XX/XXXX at XXXX and my transaction was denied. I contacted PNC Bank with my son, to inquire why these transactions were denied and, I was advised that because my magnetic strip was worn out, this is the reason my online transactions were denied and a replacement card needed to be mailed. My son, felt this bad explanation being that an online purchase, has no bearance with anything to do with a card 's magnetic strip, and this being the case, why had n't they notified me. Then, I was informed by the service rep because, I no longer have a checking and only savings, these transactions were being denied, but I have used this card to always make purchases and to pay bills and other point of sale transactions. PNC issued this card to me on XX/XX/XXXX, but has never notified me in writing, that because I closed my checking XX/XX/XXXX, that I can only use this card to make withdrawals from my savings. This is a holiday week and now they ca n't even provide a good explanation of why I ca n't use my card. In addition, I was unable to login into my online account due to PNC Bank freezing my online account login and after providing the correct information they refused to allow me access to my online banking and stated they had to mailed password and I would receive it in 3 to 5 business days, when my account had been fully authenticated and what disturbs me is they always provide generic responses, besides having deployable customer service, and only resolution they can offer is about going into local PNC Branch ; who nowadays goes into local branches, that 's the reason for having online banking in the first place and I 'm also due to reason I 'm unable to leave my home due to my current medical condition. I need to make a complaint against them for blocking the authorized use of my funds and deliberately discriminating against the elderly and people with XXXX and failure to provide written notice of restrictions and changes made to my Debit or Bank Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Monterey Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
MONTEREY COLLECTION IS REPORTING AN ACCOUNT TO MY CREDIT REPORT THAT HAS INCONSISTENT AMOUNT OF BALANCE. IT CONCERNS ME HOW THIS ACCOUNT KEEP COMING BACK VERIFIED EVEN IF I HAVE TRIED MANY TIMES TO ASK FOR VALIDATION. PLEASE SEE ATTACHED SNAPSHOT FOR THE INCONSISTENCY. THIS IS THE TRACKING # XXXX FOR THE VALIDATION LETTER I FIRST SENT AND YET THEY NEVER RESPONDED TO EVEN AFTER COUPLE MORE LETTERS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-19
Company: EQUIFAX, INC.
State: MN
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 XXXX Representatives keep constantly calling and harassing me repeatedly about a debt I dont owe and accounts thats not my accounts or debt. I been receiving phone calls from XXXX XXXX Representatives using profane and vulgar language against me, sending me litigation notices of me being arrest, took to jail, and sent to prIson for a debt thats not my debt or account. I am very afraid right now because, I been receiving death threats from XXXX XXXX Representatives as well.I fear I might lose my life and die because of the constant harassment and death threats I been receiving. XXXX XXXX has reported the fraudulent debt and accounts to Equifax and XXXX, and the fraudulent accounts and debt is currently listed on my credit report. XXXX XXXX is currently in violation of the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C 1692 under federal law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Please remove them.

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 2021-12-19
Company: Marlette Funding, LLC
State: MN
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:
Best Egg Representatives keep constantly calling and harassing me repeatedly about a debt I dont owe and accounts thats not my accounts or debt. I been receiving phone calls from Best Egg Representatives using profane and vulgar language against me, sending me litigation notices of me being arrest, took to jail, and sent to prIson for a debt thats not my debt or account. I am very afraid right now because, I been receiving death threats from Best Egg Representatives as well.I fear I might lose my life and die because of the constant harassment and XXXX XXXX I been receiving. Best Egg has reported the fraudulent debt and accounts to XXXX and XXXX, and the fraudulent accounts and debt is currently listed on my credit report. Best Egg is currently in violation of the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C 1692 under federal law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: GMA Investments, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Summitt receivables calling daily to " settle a debt '' but will not disclose who debt is for, nor will not stop calling after repeated written requests. Summit is a collector for payday loans, I have never taken XXXX. Summit refuses to verify the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card
Issue: Advertising and marketing

Complaint:
RE : case # XXXXSo, in response to my complaint I get a scoulding from Capital One? Why and what do these groups think thier allowed to do? XXXX of all I am an adult. Next, I do not need to be incriminated as being irresponsible just because I am a female. Finally, my life and my finances are not for public viewing. Should we have each person who works for Capital One and other such credit lines place thier own finiances in public. Better yet, should any of these creditors place any part of thier personal doing into public eye including thier XXXX and phone conversations. Now does Capital One think they should have special privileges on anyone 's spending. Are they the federal reserve of which expenses and taxes flow? NoSo please view the Capital One response and tell me how I should grasp misconduct of the credit card companies bullying and bad medicine. Out with them. I am so upset and feel XXXX by this letter of suggestion that is not this Capital One or any other high interest rate XXXX is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My wife had insurance with XXXX XXXX and she let it lapsed due to the expense of this insurance. My name was on the policy due to she had to list everyone in the residence that had a drivers license and drive. I sent a validation letter to Credit Collection services to verify this debt. On XXXX/XXXX/2015 I received the attached note, stating they had spoken with the creditor and they said it was my account. As you can see by the attached file this is not a violation but the refusal to send documentation verifying this debt. The Actual policy was created and was my wife policy.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
In XXXX 2015 I opened a secured credit card account with Capital One Bank via an initial opening security deposit of {$300.00}. It took approximately 14 days for the processing of that initial deposit to occur. Since that time I have made XXXX consecutive payments, all made from the same account as the initial funding deposit. On XXXX/XXXX/15 I attempted to make a new deposit to the account, but due to a banking error on the payment end by XXXX, the funding account bank, it was rejected. After identifying the issue with XXXX, I had the error corrected and resubmitted another deposit of the same {$100.00} to Capital One for credit to my credit line. After receiving, and processing ( ie " cashing '' ) the deposit, Capital One placed a " fraud alert '' on my credit account, and froze all funds in the account. They cited as explanation the returned item from XXXX as " suspected fraud '' and have since been holding all funds while they draw interest on the money and I am left without access to any of it. The problem is that 1 ) no fraud existed as I clearly own the XXXX account 2 ) the same XXXX account has been repeatedly used to fund and make all payments on this account 3 ) my banking relationship with XXXX Bank is of absolutely no business of Capital One and the demands that they are making to information regarding that account are far outside of the scope legally required or necessary. I believe they are using this situation as a pretext to obtain information they can then use to track my financial standing at XXXX Bank without legal authority, pre-existing approval, or direct knowledge of their activity on my part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-19
Company: U.S. BANCORP
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
First they canceled my card for NO REASON. Then they reinstated my card after I told them I wanted them to CLOSE my card and I transferred the balance to another bank. I received a letter in the mail telling me they received my request to CLOSE my account. On XX/XX/XXXX I called to find out why my card was not closed. I was told it takes a billing cycle. Today is XX/XX/XXXX and I had to call again because my account is not CLOSED. EVERY SINGLE time I have to sit on hold 1/2 hour to get to someone who tells me they can't do anything. This time he said it should be closed. But he can't tell me why it isn't, or what will be done to close it or WHEN? I want my credit card CLOSED. This is ILLEGAL TO REFUSE TO CLOSE MY CARD. I HAVE A ZERO BALANCE. I DON'T WANT TO DO BUSINESS WITH THIS XXXX  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 2016-07-07
Company: Debt Recovery Solutions, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I am getting charged for something i knew nothing about, i contacted the debt company the first time to get it removed they did and now it is back on my credit. The representative was very rude when talking to me and said there was nothing she could do to help 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 2017-02-10
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I have a loan servicer ( Greentree/Ditech ) that has called us at times 3 & 4 times a day, at least. They have imposed unwarranted fees, not applied funds, just an on going pattern of harassment and misconduct. We understand they were involved in a lawsuit initiated by the FTC. We feel we were omitted, lost, or otherwise unaccounted for as we have not been contacted regarding any settlement. We also feel they are raising the interest rate illegally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: EQUIFAX, 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:
This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics. On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 60 days so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the XXXX  you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax Data Breach and may have gotten in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My husband and i had a Citibank card. We paid this card off in XX/XX/2019. My husband called and spoke with a female agent and asked for account to be closed. She thanked him for our business and said she would take care of it. However she must note have not taken care of it because my son bought something off XXXX and charged to the card in XXXX. We did not realize this was how he paid for it because We were under the understanding that this account was closed and paid off so we were no longer making payments. We were only informed of balance through email which we had not received and my husband got some calls on his phone that came up as Possible Spam so he did not answer. The XXXX dollar purchase turned into XXXX dollars over the course of 5 months. Why were we not sent a bill of notice before all this happened? We only knew about this when we were purchasing something and our credit score was much lower than it has ever been. Upon finding out about this XXXX balance we did pay it and also received a paper bill last month for XXXX which I also immediately paid. I tried to contact them on that day but was unable to get answer after a very long hold time, so I just paid what the bill i had said. We have paid our bill each month on time prior to this and certainly would just have stopped paying it over XXXX? dollars. We tried to talk with the company with no results they just kept telling us we got emails and they have no records that we wanted account closed. We have paid this in full except as the agent mentioned several times we will owe residual interest but unable to tell us that amount. I also asked something in writing stating that bill had been paid and account closed agent said he could not provide that and transferred us to customer service where again i went through a menu and ended up holding and cut off. I tried again to contact them today and held for almost 2 hours. I would like an email or some proof that we want our account closed so i am not dealing with this again. I also would like this to not be on my credit report. I do not feel that we were treated fairly by Citibank.

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 2021-12-19
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I, XXXX XXXX, paid Portfolio Recovery in the amount of {$300.00} to pay off the amount owed for a collection. The account shows settled in full. The credit reports still shows as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Capital One made a decision about my credit that is obviously incorrect. I attempted to contact them multiple times through their website and customer service lines for assistance, and the only response I got was a suggestion that I open another credit card with them. I wrote a letter directly to their complaint department and still have received no follow up. Capital One 's policy to ignore complaints and hope they go away is not appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One charges late payment fees since month of XX/XX/2021 until XX/XX/2021 when reported on COVID 19 assistance, and reduced income. The {$38.00} fees is posted to the balance in excess fees on the remainder balance which is accounted to {$260.00}. I have currently catch up with payments which takes XXXX business to post limiting credit on available purchase due to hold put upfront, I spoke with supervisor of customer service complaint team, and they said that they don't have way to reverse these late fees on system which acts slow in processing payment electronically between banks. One recommendation I got from Capital One customer service was to go cash out money from the bank, and pay it to nearby Capital One Bank credit card department which sounded inappropriate. This doesn't seem to be service as usual during COVID 19. Capital One is incurring recurring late payment fees when system takes XXXX business days to post payment by putting hold.

Company response to consumer: Closed with explanation