BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a twin sister who's name is XXXX XXXX XXXX. Our birth dates are the same and social security numbers are 2 digits different. Her negative items reflect on my credit along with her accounts simply because our information is similar. 

When her credit is ran it pulls mine also. Same as when mine is ran it pulls hers. Our credits are linked some how because of the credit bureaus

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 2016-07-29
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
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:
I explained to the collector that the energy company had provided me with a refund. All mail was forwarded to my XXXX XXXX XXXX Never received bill. I was willing to pay once the collection agency submitted to me a bill for the requested payment. He assured me that he would. I have received no such information, only a bill presented to me by the collection agency. I feel that an itemized bill is not to much to ask for since I received a refund check but never a bill payment due. 
I am still looking for validation that I owe these monies. I do no think I should pay a bill to anyone who can not present proof of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, I obtain a copy of my credit report and notice there as collection accounts that I have no knowledge of : Afini Inc, and XXXX XXXX XXXX. I did not have or requested any credit from these companies. I reach out to them and still they failed to send me verification of any documents bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I recently was informed by U.S. BANK that they had put me on XXXX in XXXX 2013 for Automatic Teller Machine Abuse. I owe U.S. Bank no money or repayment of any kind, however they refuse to give me any documentation confirming this. 
I am a XXXX, XXXX, on permanent XXXX, and suffer from XXXX. In XXXX of XXXX I inadvertenty put a non-cashable item into their ATM. The very next morning I was at same branch and apologized and rectified my error. And for this oversight on my part they place me on XXXX for XXXX years?! That 's quite severe for an error in judgement, for which no monetary debt is owed to U.S. Bank. 

Please investigate this incident. I 'm requesting that I please be removed from XXXXRespectfully, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt was pursued by XXXX XXXXXXXX in XXXX ( XXXX ) in XXXX, FL in Circuit Court. The debt was dismissed on XX/XX/XXXX. LVNV Funding has been alerted that the debt was dismissed but refuses to remove it as a collection account from my credit report. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: U.S. BANCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On Friday XXXX XXXX at approximately XXXX, I deposited a certified check for {$1500.00} into my account at my local branch of US Bank. The bulk of the funds were to be transferred via XXXX XXXX XXXX for a 'mystery shopping ' survey. I would not transfer the funds until my bank made them available to me, so I checked my account balance online every XXXX minutes to an hour. The funds showed on my app as being deposited, but not yet available. The app shows both balance and available balance. When I woke up Saturday morning, my available balance equaled my balance. Saturday morning, XXXX XXXX, I transferred {$1200.00} through XXXX XXXX XXXX as instructed. On Tuesday, XXXX XXXX, I was unable to check my account online, so I called US Bank and told my account had been put on hold because it was overdrawn. After being transferred to fraud prevention, I was told the certified check had been flagged on Monday and the funds put on hold for seven business days. I intentionally waited for the funds to show as 'available ' before transferring them as I was worried about just this situation occurring. In showing those funds as 'available ' when they were in fact not, my bank directly lied to me and is wholly responsible for this over draw with their deceptive practices. I ask they be penalized for fraudulently using the words 'available balance ' when I have learned that that was not the balance available.

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 2015-04-15
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for US Bank XXXX XXXX Credit Card in this XXXX and paid my XXXX annual fee in XXXX. The main reason for me to get this credit card is because the reward program advertised by US Bank and XXXX XXXX. At that time, the reward program says " Redeem Gold Points for XXXX or more consecutive Award Nights and the last night is free ''. However, I just received my XXXX statement in which it says this program is going to be changed in XXXX XXXX. The benefit mentioned above was removed. In my opinion, this is a bait-and-switch, the new program is not attractive at all. I feel extremely unhappy because US Bank and XXXX XXXX change the program suddenly within XXXX months after I got this card, and just give me one month to book my reward stay in order to use the benefit before it is gone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-01
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Phone calls every hour from the same number attempting to collect a {$60.00} fee - which is a late fee on a contested late fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-13
Company: Experian Information Solutions Inc.
State: AL
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 saw an account pop up on my credit report listing me as an authorized user for a credit card account with XXXX. I do not have a credit card with XXXX, I have not applied for credit with XXXX, and I have no knowledge of this account with XXXX. I started a dispute through Experian and XXXX  online. The results came back that the entry remains. I contacted XXXX and they have searched my social security number, and have no record of a credit account or authorized user account with my name. Experian will not remove this fraudulent entry, and it is adversely affecting my credit rating. The account they are reporting has been updated by 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 2016-10-27
Company: U.S. BANCORP
State: VA
Product: Credit card
Issue: Credit determination

Complaint:
I used Elan Financial 's XXXX XXXX to inquire about a credit line increase. Their poorly laid out website was missing vital information to allow me to make an informed decision which resulted in an unauthorized hard credit inquiry. There was not adequate disclosure that a hard inquiry would occur if I used their website. I did not authorize a hard inquiry. The website was confusing and did not state ANY inquiry would be made. They made a decision ( which I 'm fine with - I take offense to the fact they did a hard inquiry without my permission. I would not have proceeded if I saw that a hard inquiry was going to occur ). After their decision, they sent me a denial letter and XXXX of the reasons for their decision was that they did not have my last two year tax returns to verify income - but there was nowhere to submit them online or an effort by Elan to request the tax returns. Clearly, they have no controls in place over their website information intake process. I am confused why they would of done a credit inquiry if they did not have the information necessary to make a decision ( the 2 years of tax returns ). 

I have never missed a payment on any of my credit cards ever and had XXXX +year history with XXXX XXXX the company that ELAN financial purchased my account from. I also have XXXX XXXX and XXXX branded credit cards and they clearly state when a hard or soft inquiry will be conducted explicitly on their website. 

I called the number on the letter, and said I was making an oral complaint and wanted the inquiry removed. The woman I spoke to said they could n't take oral complaints and could not help me. I pressed her and she put me to an escalated representative ( XXXX XXXX XXXX ). XXXX could do nothing for me either. I asked him where it clearly said in the letter sent by Elan that it requested the tax returns. His response that one could assume from the letter because they put their mailing information on the letter. 

Correspondence from financial institutions to their customers should be clear and concise. There is no room for assumptions. I told XXXX I would be escalating to the CFPB and he did not care. I did ask him if he knew who the CFPB was - could n't tell if it was training issue or what. He suggested I write a complaint the office of the president in ND. 

I take my credit very seriously. Elan Financial is not on par with its competitors when it comes to technology which resulted in an unauthorized hard credit inquiry. I wonder how many other people have had this happen. I want the hard inquiry removed from my account for all credit bureau agencies. 

I would also suggest clearer disclosures on their website and better training off their associates with respect to credit reporting.

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 2021-03-13
Company: HCFS Healthcare Financial Services of TeamHealth
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 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 2021-03-13
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 2021-03-13
Company: DISCOVER BANK
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Discover Card. I settled a Discover card debt with a debt collector XXXX XXXX XXXX XXXX XXXX working for Discover on XX/XX/2020. I paid via XXXX XXXX money order in the amount of {$280.00}. I need a tax form ( 1099-C ) from Discover for the settlement account with correct settlement date reflected on it. I have been in contact with Discover ; however, they issued me another one that showed againXXXX date instead of XX/XX/2020 on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: LoanCare, LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I XXXX XXXX have contacted My Loan Care to ask to have my PMI removed from my mortgage and they stated that I need to request it in writing or through their email and get a tracking number well I 've done both so many times and still no tracking number from them and also when I call the reps tell me that did n't get my request to have the PMI removed from my mortgage. Before I requested to have the PMI removed I did my research to make sure I meet the requirements and I 'm still having a hard time and when I call now I ask for a manager and they never get on the phone or call back regarding peoples concern about there mortgage. This company has nothing but bad review and I really hate that my note was sold to them. They seem to only care about is a mortgage payment.

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 2021-03-13
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TMS claims to have sent me letters about service transferring my mortgage that I never received. I can not see these letters in my web account with TMS and I did not receive any physical letters. 

Example - I never received ( electronic or paper ) the XX/XX/XXXX letter referred to below. This has caused unnecessary confusion and a waste of my time dealing with figuring out who my servicer is, where I send payments to the new servicer and when. 

Compounding the confusion is that in XX/XX/XXXX, XXXX sent me a similar service transfer notice and then backed out of the service transfer. 
-- - You were previously sent a transfer letter from The Money Source ( TMS ) dated XX/XX/XXXX notifying you that your loan was going to be transferred to XXXX XXXX XXXX on behalf of XXXX XXXX XXXX , XXXX effective XX/XX/XXXX. 

The date of the transfer has been changed. 
Effective XX/XX/XXXX the servicing of your loan will be transferred to XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX. 
-- -

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Equifax told me that they can not allow me access to my credit report. I spoke with XXXX in the Office of Consumer Affairs. I informed him that neither I, nor creditors, could access my credit report. HE TOLD ME THERE WAS NOTHING HE WAS WILLING TO DO AND I JUST HAD TO LIVE WITH IT. I literally can not apply for credit and have no idea what is in my report. He offered to send me a copy of my credit report but this is not helpful because creditors still ca n't access the report. I DO NOT WANT ANOTHER COPY OF THE REPORT MAILED I WANT IT FIXED SO I CAN ACCESS THE REPORT ELECTRONICALLY AND SO CAN CREDITORS. This is my third complaint about the topic and Equifax never responds correctly, they just send another paper version. I have even been denied access to the report through Equifax itself so clearly they know what the problem is but refuse to fix it. Attached is a screenshot showing the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: CITIBANK, N.A.
State: IL
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:
Two years ago I bought sofas from Macys almost {$5000.00} I paid most of my bill left balance of {$1300.00} I no idea they changed me interest of {$2000.00} Am not working I was lay off last year XXXX I spoke to one their agent and he said they can only give me 50 % discount for interest and now Am not working so I can afford to pay this huge interest, so please I need help thank you.

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 2016-05-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Portfolio Recovery Associates , LLC ( PRA ) is a junk debt buyer claiming I owe them {$480.00} for a charged off XXXX Bank XXXX credit card. On their collection letters PRA claims to be the creditor for this account, as evidenced in the upper right side of their collection letter to me, dated XXXX XXXX, 2014. PRA has never extended credit to me. 

On XXXX XXXX, 2014 I requested proof of validity of the original debt, itemization of the account establishing an accurate accounting and proof they had a legal right to collect the debt. I received a letter from PRA, dated XXXX XXXX, 2014, again stating they purchased the account, the balance was {$480.00} and that the seller, XXXX, provided them an electronic file of their business records concerning this account. PRA neglected to provide me with any copies of said file or proof of any of the items I asked for. I also disputed this account with the credit reporting agencies, PRA updated the account as accurate. 

On XXXX XXXX, 2014 I sent PRA a Notice Of Arbitration Election via XXXX as described in the XXXX Cardholder Agreement, a legally binding contract, that was in force at the time this account was opened. The Agreement states this is my right, that XXXX or anyone they transfer or sell the account to is REQUIRED to participate. I felt at this point it was the only way to settle our differences. They refused to respond. 

After reading The Consent Order between you, CFPB, and PRA I realized there was a discrepancy between XXXX charge off amount and the amount PRA claims I owe them. The charge off amount that XXXX reported on my personal credit reports is {$230.00}, {$240.00} less then PRA is trying to collect. XXXX has stated they do not provide any warranty as to the validity or accuracy to the accounts contained in electronic files that they sell. 

Portfolio Recovery Associates , LLC is violating the terms of the Consent Order, the FDCPA and Minnesota law. They have complete and total disregard for the law and the consumer. 

PRA can no longer collect this debt in court, in accordance with Minnesota Statutes Of Limitation. However PRA 's entry on my credit reports is n't scheduled to be removed until next year, unnecessarily causing me financial harm. I do not believe they have a legal right to collect this debt. 

There are XXXX other accounts PRA is trying to collect from me with the same circumstances. I will file separate complaints for them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
RESURGENT AND THIER CONSORTIUM COLLECTION FRONTS ARE ILLEGALLY COLLECTION DEBT LISTED IN CHAPTER XXXX BANKRUPTCY THE ORIGINAL CREDITOR WAS AWARE OF BK AND SOLD TO LVNV AND E-MAIL BY FIRST ACCORD IN XXXX 2020. SEE ATTACHED. THEY ARE IN CLAER VIOLATION OF DODD FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made a XXXX transfer in the amount of {$400.00} on the Wells Fargo XXXX app, then the Wells Fargo app duplicated that and made two separate transfers of said amount. The transactions had identical confirmation numbers. When I filed a claim on XX/XX/2021 I was told to wait 10 business days but before the 10th business day the confirmation number of one of the transactions was changed making it look like it was not a duplicate error from their end. I followed up with them twice now and even escalated it to a 'higher level ' as the Wells Fargo representatives called it. They still refuse to refund me for their mistake.

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 2017-02-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Portfolio recovery associates llc has continued to call random numbers asking for me regarding a debt I owe. They have called my moms home number that I never gave to them asking for me and saying that I gave them that number which I never did give them the number. They have my cell number which is the only number I gave the actual creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo willfully and fraudulently advertises that their Overdraft Rewind program is a program that as a service to help avoid overdrafts or declined transactions. 

https : //www.wellsfargo.com/checking/overdraft-services/ However, they deceptively and illegally fail to mention that utilizing this program - which is being advertised as a perk by Wells Fargo - will then be viewed as a derogatory credit event by them - resulting in either denied credit or higher interest rates then charged by Wells Fargo 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