BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-19
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a promo mailer for {$200.00} to open up a new checking account ( which is attached ). I went into the branch with the mailer and opened the account. Before leaving I verified that I had met all the requirements to receive the bonus, which the account rep verified. It 's been over a year and I have not received the bonus. I went in to the branch twice to ask why it has n't posted and they could n't tell me why, but said they would " look into it ''. I also called the customer service number and submitted an online secure message through Region 's website and received the same response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
This complain is about Portfolio Recovery Associates Collection Agency Reporting to all XXXX major Credit Reports Inaccurate information as of Date of First Delinquency. As reported to XXXX on XX/XX/XXXX this account is schedule to continue on record until XX/XX/XXXX as of XX/XX/XXXX it was not on XXXX no more making the Date of 1st Delinquency XXXX XXXX ( since accounts remain for 7 yrs on record as of 1st Date of Delinquency ) On XX/XX/XXXX Portofolio reports to XXXX 1st Date of Delinquency as XX/XX/XXXX. As of XX/XX/XXXX its reports to Equifax 1st Date of Delinquency XX/XX/XXXX. As of XX/XX/XXXX XXXX Deleted it after finding inaccuracies on Dates of 1st Delinquency reported. Portfolio still reporting to XXXX I am currently disputing it with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Professional Recovery Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I owe money to XXXX XXXX XXXX for a procedure and have been making payments on time. No minimum payment was ever discussed. I also believe they are billing me too much for the services rendered. My attempts to obtain an itemized list of charges by phone has been unsuccessful. I was told my insurance company refused to cover the medical expenses, however when I call XXXX they tell me the bill was never submitted. My bill has increased in cost despite me making payments with no delinquent payment. I have all receipts as proof of payments. I have received only XXXX phone call from XXXX XXXX asking me to set up an automatic monthly payment. I declined for many reasons. Despite me making payments and talking to XXXX XXXX, my account has been turned over to a third party collection agency. I have sent a certified letter to the collection agency disputing their ability to collect the debt and asking for proof that this is legal according to the original debt agreement. I am no longer able to pay XXXX XXXX directly.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Paypal Holdings, Inc
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX I made a purchase paid via PayPal. 
I reported to them that I feel the vendor was a scammer. The vendor contact info was a fake email that was XXXX so I couldnt contact the seller. PayPal would not stop the payment from my checking account. Once the payment was made I opened a dispute with PayPal because the goods were never received. I have confirmed with XXXX that the tracking number given by the seller ( scammer ) is not associated with me and my address. PayPal continues to ask for additional information from me for a week. A total run around. Their protection plan is supposed to handle this and provide a refund. They have closed my dispute in the sellers favor because it shows a delivery was made but it was not made to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-22
Company: Pinnacle Credit Services, LLC
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I need your assistance in removing a disputed account on my credit reports from : XXXX, XXXX, and XXXX. I have no idea about this account ; and I sure don'thave a written contract with the said original creditor, XXXX XXXX . Its having a negative affect on my overall credit score. 

Reporting Company reference : Pinnacle Credit Services ; XXXX. XXXX XXXX ; XXXX, MN.XXXX. 
Tel : ( XXXX ) XXXXXXXXOriginal Amount : {$250.00} dollarsWould you please have them to remove this from my credit reports. 

Thanking you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called Specialized Loan Servicing to make a monthly payment and they refused to accept my payment. I was told that they would not accept a payment of {$800.00} ; which is one ( 1 ) month payment that the payment had to be one ( 1 ) month payment + half a payment. This is not the first time they refused to accept my payment ; in XXXX XXXX they accepted a payment of {$780.00} ; however in XX/XX/XXXX I was informed that they did not accept that payment and I needed to pay the new amount of {$800.00} ; an increase that I was not aware of. I did pay the amount requested, however it then put me at 2 months behind in payments. I have paid the {$880.00} up to this date and they have accepted the payment, however today XXXX XXXX, XXXX they refused to accept the payment ; which would put me at XXXX ( 3 ) months behind. I have been working with the Loan Modification department since 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 2022-09-16
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Since OCWEN.PHH is saying we do not have mortgage fraud we are demanding the amount paid to them from the mortgage protection insurance and why was the lis pendens not paid? THE XXXX XXXX WAS PUT IN PLACE BECAUSE WE KNEW THERE WERE GOING TO BE LIES AND EVERYONE WAS GOING TO ATTEMPT TO COVER THEIR BUTTS.NOT THIS TIME WE HAVE TOOOOO MUCH EVIDENCE ON OCWEN/PHH/ We have a right to the information since OCWEN.PHH said we defaulted!. Please do not send a XXXX explanation. We are highly versed pertaining to these areas. 

Also, we do have even more additional proof we have mortgage fraud and the straw buyers, Given the lies OCWEN.PHH has told and the altering of documents such as lifting our signatures THEY WILL NOT get our evidence, AND XXXX ; T THINK ABOUT PUTTING ADDITIONAL HITS OUT ON MYSELF, WIFE OR ANY ADDITIONAL FAMILY MEMBERS. XXXX XXXX, XXXX XXXX AND THE STATE OF GA HAVE ATTEMPTED TO TAKE US OUT A TOTAL OF 8 TIMES. DON'T THINK WE ARE AFRAID. NOT! XXXX XXXX XXXX 

GIVEN THE LEAD COUNSEL IS BASICALLY LIVING OFF OF XXXX XXXX AND XXXX XXXX, THE LEAD COUNSEL WAS ASSIGNED TO PHH TO MAKE US THING SOMEONE IS ATTEMPTING TO BE ETHICAL. PLEASE!!! THEY ARE SO DESPERATE THEY WOULD COMPROMISE ANYONE TO PERFORM ANY LEVEL OF DIRTY WORK REQUIRED! GIVEN THE LEAD FOR THIS CASE CAME FROM XXXX XXXX WE ALREADY KNOW ETHICS ARE NOT EVEN IN THE VOCABULARY,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
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: Old information reappears or never goes away

Complaint:
My XXXX account consisted of 3 Loans as follow : My Primary Federal Student Loan : reporting at XXXX // {$72000.00} XXXX PARENT PLUS LOANS : reporting at : {$4700.00} and {$11000.00} In XX/XX/XXXX, I requested to consolidate my XXXX plus loans from XXXX XXXX I received approval to consolidate the loans in XX/XX/XXXX, However, the consolidated payment was higher than my XXXX loan payments, prior to consolidation, I then requested for XXXX XXXX  unconsolidate my loans, and XXXX approved to do so, However ; XXXX started reporting XXXX additional loans to my credit report : XXXX AND the $ {$16000.00} loan amounts, After about XXXX of calls to XXXX and XXXX, the XXXX XXXX XXXX was removed from my credit report, However ; XXXX refuses to remove the XXXX Parent Plus loans or the {$16000.00} loan ( XXXX ). 
I have also complained to XXXX re : the extreme interest that has accrued on my original loan show an amount of {$52000.00} which is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: The Outsource Group, Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to XXXX XXXX XXXX XXXX XXXX for an X-ray. I never received a bill. I rec 'd an EOB from my insurance company in XXXX and it was reflected an amount owed of {$140.00} for the XXXX x-ray - account # XXXX 
I mailed a personal check # XXXX the first of XXXX and it was cashed by XXXX XXXX  on XXXX. However, I made a mistake and put the incorrect account number in the memo section - XXXX which regarded a bill from XXXX and was paid. Yes I made a mistake. 
I never received anything else until XXXX, XXXX ; from XXXX XXXX XXXX ; who is a debt collector on behalf of XXXX XXXX. I called them on XXXX and advised them I wanted to dispute the debt. I told them the debt was paid but I had made a mistake and put the incorrect account number ( XXXX ) on the memo portion of check. 
I rec 'd a further 'debt collection ' letter on XXXX stating they had investigated my dispute and found I owed the amount of {$140.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased a investment property and right after closing Well Fargo Mortgage bought our loan. The original terms were PITI. Soon after closing Well Fargo informed us that they would only escrow the property taxes on the property and not the insurance in the payment. I call the customer service number and they refused to honor the original loan terms the way they purchased the loan. Therefore we are forced to pay yearly insurance invoice ourselves.

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 2016-09-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
PRA continues debt collection on an old XXXX XXXX account they bought from XXXX Bank. XXXX bought the account from XXXX on XXXX/XXXX/14. According to my records this account is now beyond the statute of limitations in the State of Tennessee of six years. I have emailed and mailed request to PRA to have this debt taken out of collections status since they can no longer sue me over this. They have not responded to any of my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01
Company: Experian Information Solutions Inc.
State: MA
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2015-07-16
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was sent a solicitation from Chase Cardmember Services to apply for a Mileage Plus VISA in XXXX 2015. The solicitation offered a XXXX mile {$0.00} fee first year and some additional inducements to apply and make charges of {$3000.00} within first 3 months. I applied via the website and was approved shortly thereafter. 

When I called to activate the card, I reviewed the offer and found they bait and switched me to a XXXX mile with {$1000.00} in first 3 months offer. I said, no, I responded, landed on page and applied under the XXXX mile offer which they initiated. The agent I spoke to said " I will put you in for the offer, must have been a mistake '' Now, I receive a letter which said the " offer '' ended XXXX XXXX, 2015. This is a classic and habitual bait and switch. Probably hope that no one would complain but I 've been in this situation before. How could their " XXXX offer '' which I received and sent end on XXXX XXXX, 2015? Why did they not notify, sorry this is not accurate when applying. I demand they honor their initial offer, this is very shady practices and should be noted as a possible habitual offense. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-01
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have XXXX car loans through Automobile Acceptance.I am still paying for the Azera. But the loan for the Town and Country was almost paid in full when I needed the repairs done.I had paid the car loan down to approx {$600.00} and the car would be completely paid for.I had repairs done on my car in XX/XX/XXXX-XX/XX/XXXX. The cost was approx {$800.00}. I had the work done at XXXX. The vehicle loan is through Automobile Acceptance and XXXX works with them. You make your car payments, car repair bill, etc to them. 
I was told by AutoTune that I am to pay {$140.00} per month and there was no mention of interest on the repair bill. It should also be noted that this is the second time I have my car repaired and paid to Automobile Acceptance and there was n't any interest charged. The gentleman at XXXX never said anything about interest charged on the repair bill. Like I said this is the second time I have had my car repaired this way. 
After steadily getting all the calls regarding the repair bill I told them that my repair bill should be paid for by now. When I looked at the bill I saw that interest was being charged to the repair bill. 
When I went to them they combined the repair bill with the rest of the balance owed on the car. That 's when I discovered that I was being charged interest on the repair bill. 
I am submitting the payment history and a copy of the contract. 
Please help. I am on XXXX and my husband is the sole bread winner as I ca n't work. So our money is limited and we count every dime. It 's not fair that I am being charged interest on a repair bill. 
I am getting phone call after phone call regarding my payment for the repairs. I get calls XXXX-XXXX times per day. I informed the company that my bill is to be paid once per month. 
When I started paying I would pay every other Friday, to get the loan down, and I figured it was a good way to pay since I had to pay for the Azera and the Town and Country. 
Please look into this matter and help me please. Thank you in advanceXXXX XXXX XXXX XXXX XXXXThis will be the XXXX car loan I 've had with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: PA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$56.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: WELLS FARGO & COMPANY
State: MA
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:
How are you doing during this pandemic? Taking more than 60-90 days - i was not late. Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late on the days shown. Something is weird going on my account. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2022-07-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My father died 2 years ago and I am the executor of his estate.Part of his estate is a certificate of deposit of which myself and my sister are equal beneficiaries.XXXX XXXX died in XXXX of XXXX certificate of deposit is with BMO Harris Bank.In XXXX I was instructed by XXXX  bank to send them a Death Certificate, a notarized letter instructing them what I wanted done with my share of the account. For XXXX year no action was taken on the account. I faxed the bank to check the status of my claim and was told to resubmit the information again.waited again for a response and did not receive one.When I contacted the bank again I was told someone would contact me, but no one did. I contacted the bank again in XXXX and was again told to submit another Death Certificate, notarized letter and picture identification.I did this again and still have gotten no response from them. I have been trying to resolve this problem for two years.I was also asked by XXXX Bank to submit a Small Estate Affidavit which I did at a cost to me of XXXX dollars.

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 2016-08-12
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have collections on my credit report that are not valid. These are account that have been charged off. The accounts are 4, 5, 6 years old. This counts as XXXX derogatory marks on my credit report. I want them removed. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a letter stating I am pre-selected to apply for a credit card from Citibank, the Citi XXXX XXXX XXXX. The letter says that 8 out of 10 applicants who applied before the deadline of XX/XX/22, have monthly income of at least {$1000.00} in excess of mortgage/rent payment, didn't have a past due Citi card XXXX did not have bankruptcy in the last 7 years, and didn't have a reduction in credit score since the time of the offer, typically would be approved. I do meet all of these criteria, and yet my application was denied. As I recall, this is not the first time that I have been rejected for a pre-selected or pre-approved card offer and gotten rejected. I am aware that the FTC recently pursued action against XXXX XXXX for this very same practice of soliciting applicants who are told they are pre-approved only to deny them and then harm the applicants ' credit. I would hope that similar actions can be taken against Citibank and other such banks as this is a widespread practice in the industry that is harmful to consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
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:
Equifax ; XXXX and XXXX  should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 plus ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation