BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was taken care of as a result of a consumer credit counseling debt consolidation and the original creditor XXXX XXXX XXXX XXXX was paid over {$4000.00} in which I paid more than the monthly agreed amount. The contract ended in XXXX and the account was closed. XXXX is now billing me for {$2600.00} of which I do not owe. 

When I have asked for verification they have provided me with XXXX statements showing a balance statement of revolving credit. XXXX from XXXX and XXXX from XXXX. Neither of which shows any purchases I have disputed this several times with no resolution. 

I do not owe them any money. I have paid my debt. This has been on my credit report since XXXX and I can not get rid of it. I have been trying to clean up my credit the right way and to have these types of companies who can do this is robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Portfolio Recovery Associates are reporting to XXXX - ( a major credit reporting agency ) that my XXXX accounts ( reported with XXXX ) XXXX XXXX - opened XX/XX/XXXX. Also another account XXXX XXXX - opened XX/XX/XXXX are stated as such on my XXXX credit report : " consumer disputes after resolution '' this is a flat out lie. I requested over 72 hours ago that they remove the statement They complied and did just so, within 72 hours. The Dispute notation be REMOVED and portfolio recovery sent XXXX a request to do so, My credit report showed the dispute notation removed and now, as of Today, MOnday, XX/XX/XXXX PORTFOLIO RECOVERY ASSOCIATES LLC. had XXXX put the ongoing persistent dispute statements back on these XXXX accounts. Portfolio recovery associates is holding my credit report hostage to ongoing dispute notations. They are liars who lie to people and are full of trickery. they blatantly told me on the phone this is no longer in dispute status. Why are they still requesting these XXXX accounts with XXXX as 'CONSUMER DIPSUTES AFTER RESOLUTION ' THIS IS A FALSE INACCURATE DISPUTE REMARK. I AM NO LONGER DISPUTING THIS ACCOUNT. PORTFOLIO RECOVERY ASSOCIATES IS HOLDING MY CREDIT REPORT HOSTAGE TO THESE XXXX ONGOING DISPUTE NOTATIONS. gthese remarks need to be removed immediately. They are keeping me from getting my home loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I believe that I have been targeted by debt collection scam by a firm named XXXX purporting to be a law firm and threatening suit on a stale account in addition to not identifying themselves as a debt collector. Today I received a voicemail from their computerized pre-recorded auto-dialer that stated the following message : " This message is intended for [ my name ], we have been instructed to obtain a statement from [ my name ] prior to filing in your jurisdiction you can provide your statement directly to XXXX. '' I later called the number and the call was answered as " XXXX '' by someone identifying themselves as XXXX who reluctantly said was a receptionist after extended questioning. I asked her why they called and she said that it was regarding a debt I owed. I asked where they were based out of and she said they are out of New York. I asked her if they were a debt collector and she said that they were not a debt collector, but a " pre-litigation '' ( her words ) company. I asked what that was and if this was a law firm, she stated again that they are a pre-litigation company and work with a group of attorneys. At no time did she explicitly state that the call was for debt collection purposes, despite stating the call was regarding a debt I owed. She confirmed my name and the county my address is in. 

She said that she would transfer my call to the paralegal handling my case after verifying my information which I gave to her. She transferred me to someone identifying themselves as XXXX who said that they were calling on behalf of XXXX XXXX XXXX who I failed to repay a debt to. I told her I do not recall having any current XXXX XXXX XXXX debts and she said that I opened the account in XXXX and stopped paying it in XXXX. I asked her if she was threatening me with a lawsuit on a time barred debt and she stated that it was illegal not pay them back. I told her failing to pay debts was not illegal and asked again if they were trying to sue me on a debt outside of the statute of limitations. She became very loud, abusive and insulting, which made me angry and I yelled back and she hung up on me. 

I called back the original number and spoke with the same person that answered the original call, I asked for her name and she said it was XXXX XXXX and I asked for my representative 's name and she said that it was XXXX XXXX. I XXXX the name XXXX and found out that the company was currently being sued by the FTC and has a history of similar actions in addition to no longer being licensed in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Select Portfolio Servicing Inc. is my servicer. XXXX XXXX is the note holder. In XX/XX/XXXX we applied and submitted for a Loan Modification on our XXXX, Owner Occupied Home. We were granted a modification in XX/XX/XXXX. We signed and returned the modification agreement, as did our servicer. In XXXX, the servicer unilaterally attempted to change the terms of the modification. Our payment would rise and our Balloon Payment was going to rise from {$200000.00} to over {$800000.00}. We have refused to accept the change as it is NOT beneficial. Recently, Select Portfolio Servicing refused to take our payments and attempted to foreclose on the property. We have reached out to them on a constant and consistent basis. We requested a review on XX/XX/XXXX and were given a 45 day window for a resolution. It has been over 50 days and they have NOT responded in any way. They continue to add late fees even though we have been current since the modification. 
The Servicer has verbally responded that they will NOT honor the signed modification from XX/XX/XXXX, given that we did NOT accept their revised modification offer. They have NOT furnished their response in writing nor in a timely manner. We informed them that we will be filing a complaint against them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i have an account with chase and my account became inactive so i call and they told me to send a fax requesting to activate my account again and i did i send the fax on XX/XX/2021 but still dont see help now they want me to step on a branch but im in XXXX  and theres no way for me to cross back to USA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2015-05-29
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this medical account in full with the original creditor ( XXXX XXXX University XXXX XXXX XXXX ) and I was assured that the collections entry were going to be removed completely from all credit bureaus. The collection agency is refusing to remove the entry after a full payment was made to the original creditor and the collection agency is reporting the account as a paid collection instead of removing the account as I was told and agreed to. The main purpose to remove the account from my credit report is to lessen the impact on my credit score and be clear of any collections. I was assured that after making a " full payment '' the account was going to be completely removed and now that they received my money are refusing to remove the account from my credit report and instead just updated the account to reflect as a paid collection, this is a violation of our agreement.

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: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX, I was contacted via text by Truist bank with a " one-time passcode ''. I do not bank with Truist nor have I ever had an account with them. I have had the same cell phone number since XXXX so this is not an issue of a non-updated phone number. I don't remember how difficult the resolution was but I think after a couple phone calls they stopped. 

On XX/XX/XXXX, less than a year later, I received another text from Truist with another " one-time passcode ''. I replied " STOP '' to end the alerts but got a reply saying my number wasn't verified and to call XXXX. XXXX confirmed that the number was the proper Truist support number, so I have no reason to believe this is spam or phishing. 

I called them on the XXXX after receiving the text, concerned that a bank was voluntarily sending me someone else 's sensitive login information. I got multiple runarounds from different reps, including being disconnected at least once. XXXX of them transferred me to what he described as " the XXXX XXXX department '' which wasn't even connected to Truist. XXXX of them said they can not do anything with just a phone number and that I should just ignore the texts. XXXX of the XXXX asked for my social security number to see if he could find an account. This seems like a serious lack of interest in security.

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 2016-10-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have a loan with Springleaf Financial services through the XXXX Ohio Branch.. I have had financial difficulty for a few months and have not been able to pay my agreed payment in a timely matter. The branch manager called me at work XX/XX/XXXX I believe. I work for a collection agency and all of our phones are on a recorded line. I ask him to not call me at work do to the recorded line and told him I would call him back. He continued to discuss my default on this call, I hung up on him. When I got off work I called him, I explained to him about the recorded lines and that all collection agencies have them. He said " that 's not true my lines are n't recorded and I am calling to collect on your loan '' and giggled. I again ask him not to call me at work. He said ok and thanked me for scheduling a payment. On XX/XX/2016 he ( XXXX ) called my work again and left a message with a co- worker to have me call him. I should not have received another call at my work number after telling him XX/XX/XXXX not to call me at work..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Caliber Home Loans, Inc.
State: SD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Due to a divorce I had to declare bankruptcy a little over two years ago. During the divorce proceedings we were told to stop making payments on the mortgage as neither of us would be able to afford the house on our own. That was XX/XX/2010. Since then the bank has never finished a foreclosure. They have started multiple times but just never finish it. I was under the impression that after my chapter XXXX bankruptcy went through that I would have to wait a minimum of two years before qualifying for a mortgage. I did everything in my power to repair my credit and when the time came my credit was good enough but they would not give me the loan due to the bank not finishing the foreclosure. I paid {$10000.00} to my landlord for the option to purchase and now ca n't purchase. It 's been nearly 5 years since we stopped making payments on the mortgage and my debt has been forgiven. Now the bank has sold the mortgage to another mortgage company and they are starting the process all over again. It 's already been six months since they have filed for foreclosure and I 've spoke to both the attorneys filing the foreclosure and the new mortgage company and they are not sure what is going on. All the previous attempts have just been cancelled without prejudice. Regardless even if they do get it finished I will have to wait an additional 3 years before I can apply for a FHA loan. I have done everything asked of me and because the bank can not finish their process I have been set back a minimum of 3 more years. How is that fair to the consumer. The mortgage companies need to be held accountable for the devastation they are causing the consumer. Thanks to this process I most likely will have to move and lose {$10000.00} in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card
Issue: Delinquent account

Complaint:
They then put a 30 day late on my credit reports. I have tried to get them to remove this and they refuse. This was not my fault because I never received any notification by Chase. I finally setup electronic statements and then received them. I have done everything I can to resolve this with them with no luck. I just want the 30 day late removed from my credit reports. If I was responsible and it was my fault I would take responsibility but this was Chases fault. Now because of this mark on my credit this has lowered my credit score and I was not the responsible party that caused this. As I stated before by past record never showed any late payments on any of my accounts. In fact in my entire life I have never had a late payment on any of my revolving credit card accounts with any company, that 's a fact. I am now XXXX years old and why would I do that now? Chase has been a great company and service until now and they refuse to work with me on this. 15 years with Chase alone and never one late payment so why would I have one now unless this was a unique situation and not my fault. Individuals should not be blamed for mistakes that Chase makes. Have them check all my accounts through them and not one has ever had a late payment. Why would I have one late payment when my credit through them has been perfect. Why would they credit the late fee if they were wrong? Why is Chase so willing to ruin peoples credit with no consideration that I have been a customer of theirs for 15 years and never one late payment? This pertains to account number ending in XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
What happened ... 
I wrote a letter to WFB XXXX XXXX, XXXX, explaining that they were reporting GOOD information for an old Home Equity loan from circa XXXX on my XXXX and XXXX credit files. This information is not showing up on my XXXX credit file. I REQUESTED THAT THEY ADD THIS INFORMATION TO MY XXXX CREDIT FILE. 
What happened next : I received a letter from WFB dated XXXX XXXX, XXXX. The letter was a generic statement letter ... " The date of first delinquency is over 7 years on this account. This account is no longer reporting. A request has been sent to the credit reporting agencies to delete this account. '' Accounts in good standing remain on credit files for 10 years or indefinitely. This account was never delinquent. This is WHY I was requesting this information be added to my XXXX report. 
I understand if they do not want to report this information on XXXX, but by removing this information from XXXX AND XXXX will cause my CREDIT SCORE TO DROP. This will affect my scores by way of the credit mix ( i.e. types of loans mortgage, equity & installment ) and length of credit history. I understand this information is older but it is still useful in a manual review.

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 2016-02-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My XXXX husband my a Chase XXXX transfer from his Chase account to my Chase account for {$550.00}, on XXXX/XXXX/2015. On XXXX/XXXX/2015 I did not see the money in my Chase account. When I inquired to Chase, they said it was accepted into a XXXX XXXX account ending in XXXX, via XXXX. I checked my personal XXXX XXXX account, it did not end in XXXX and the money was not there. I called XXXX, they said they only act as a clearing house for money transfers and that it 's a Chase issue. Chase says it 's a XXXX XXXX issue and XXXX XXXX does not find the money anywhere and says it 's a Chase issue. NO ONE IS HELPING ME!! I have a " transaction number '' yet it seems to be worthless. WHO CAN I GO TO FOR HELP TO RETURN OUR {$550.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Other

Complaint:
I was billed by an automated fuel dispenser for fuel I did not receive. I was told by the merchant the fuel dispenser had been damaged and they would " make it right. '' I made several inquiries regarding the error and have been ignored. I submitted a dispute through my card issuer, JP Morgan Chase, who sent me a letter indicating they validated the claim after they determined the " merchant provided the services for which I was billed. '' Curious since the bank employees indicated they were not able to contact the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
To Whom May Concern : Early Spring XX/XX/XXXX my employer XXXX told me that I was going through a back ground investigation, work they told me that I need to work on cleaning up my credit. When I return from the military XX/XX/XXXX, I came back from XXXX at the hight of the economic bubble overwhelm in depth. I was evicted from a family own home and did not have enough funds amount to pay my bill. I called XXXX on XX/XX/XXXX and talked to XXXX at XXXX, well she informed me that the depth XXXX dollar a XXXX was issued by the IRS and to your company that satisfied the depth with your company but infect your company is going to report 120 day late when the depth was handle. 

This was report two months ago as a 120 day late/or like I was paying on the depth and just quit this year, when infect this reporting will still hurt my score an was incorrect, my score dropped " XXXX '' points for a depth that was handle years ago. A XXXX was issued for the this account and I will take care of the depth with the Federal Government. 

I would like to just move on with my life then having a billion dollar company report incorrectly on a XXXX war veteran. 



XXXX, XXXX XXXX, CA XXXX WFA # 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 non-monetary relief
Consumer complaint received 2022-05-23
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Elan Services ( Fidelity ) filed in the credit bureaus that I missed a payment. Fidelity/ Elan Services has not sent me any letters or called me to notify. They did not try to reach out to me. I have received absolutely ZERO communication from Elan credit card Services on outstanding payments. 

I learned about the late payment because they filed in the credit bureaus and I got an email alerting me. I immediately called Fidelity/ Elan and made the payment I tried to fix/ negotiate the issue with Elan Services . I sent a letter that they received on XXXX/XXXX/XXXX  where I explained that my account with XXXX was closed due to divorce proceedings ( I am not obliged to have auto pay on ) and I had contracted Covid while overseas which impeded me to check on mails or do anything really since I was laying in bed. I provided evidence that I could not even check my mail as I was overseas. I sent a copy of the air ticket and of the XXXX diagnosis. I arrived back in the States in XXXX I did have similar issues with other banks such as XXXX and they understood my situation. However, XXXX reach edit to me via a letter that I was able to read and act upon and they did not file anything to the credit bureaus. Fidelity/ Elan services HAS not reached out to me. They did not send any letter to me either. I checked when I returned. 

My complaint is that Companies like Fidelity/ Elan services should have notified me because they put me in notice for a very small value in the credit bureaus. It is disgusting that after being a customer for 5 years they treat me like that. And Frankly, even adding that I had XXXX  ( meaning I could not do anything as I was laying in bed ), was overseas and that they did not notify me, they are not willing to budge and remove the late payment status. I have considerable force majeure items that prevented me to make the payment such as Fidelity/ Elan services not notifying me and contracting XXXX XXXX 

This is an awful company and I would like your support to revert this.

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