BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account # XXXX On XX/XX/2022, I sent a Debt Validation Letter ( see attached ) to Portfolio Recovery Associates LLC in response to a statement I received from them concerning a debt they were attempting to collect. Portfolio Recovery Associates LLC has not sent any documents I have requested in order to validate the alleged debt. I have only received statements from Portfolio Recovery Associates LLC, which consists of addresses I have never lived at and accounts that do not belong to me. I received these statements by mail on XX/XX/2022. I requested evidence to validate the alleged debt, specifically documents that bear my signature and other documents listed in my debt validation letter.I have not received sufficient evidence or any of the documents I have requested from Portfolio Recovery Associates LLC regarding validation of the alleged debt. I have never had a relationship or contractual agreement with Portfolio Recovery Associates LLC and I am not responsible for the account they are referring to. The account does NOT belong to me. Portfolio Recovery Associates shall NOT report information to any consumer reporting agency using my personal information. Any previously reported information relating to me must be deleted from my credit report effective immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I contacted USAA regarding a past due auto loan and advised I would like to voluntarily surrender the vehicle. USAA mailed the form to complete the repossession process. I completed the form and faxed back to USAA. I followed-up with USAA and they advised it is not cost efficient to repossess the vehicle at this time. They instructed me to write a letter of consideration to release the title for {$0.00} contribution. I faxed the letter of consideration to release title on XXXX/XXXX/16. I have called USAA multiple times and have been placed on hold for 30 minutes at a time or transferred to departments that are unable to assist me with my issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-15
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have never concerned myself really about my credit because of how young I am. But recently I concerned myself with establishing my credit in order to purchase a car. I was very shocked to see that someone used my information not once but Four times. The XXXX issues I will be addressing with the same collector. 

DIVERSIFIED CONSULTNTS # XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Placed collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1600.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$1600.00} Original Creditor : XXXX ( XXXX ) Past Due : & gt ; {$1600.00} & lt ; Pay Status : & gt ; In Collection & lt ; Remarks : & gt ; PLACED FOR COLLECTION & lt ; Estimated month and year that this item will be removed : XXXX Placed for collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$100.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$83.00} Original Creditor : XXXX XXXX XXXX Past Due : & gt ; {$100.00} & lt ; I have never done business with either of these companies. 
I have already reported identity theft with IdentityTheft.gov and the Your reference number is XXXX. 

I will also submit a copy of my Taxes for XXXX to show location during said time. 
I have not had the opportunity to establish a great credit score and now it seen it will be a while before I get the chance to do so because of this identity theft situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Advance America, Cash Advance Centers, Inc.
State: KS
Product: Payday loan
Issue: Can't contact lender

Complaint:
I received a call in XXXX wanting to verify my information for a loan that was attempted or done using my personal information. I said I did not apply for a loan and not to approve it. I filed a report with the local police department, contacted the credit agencies, sent a letter to the company via USPS and then again via XXXX and have not received any response to my letters.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
HP Sears is a debt collection company affiliated with XXXX XXXX XXXX XXXX. 
HP Sears as listed a debt for the amount of {$1300.00} which they claim I owe to XXXX XXXX XXXX, I contacted the XXXX XXXX Office they stated that I owe located at : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX by telephone at ( XXXX ) XXXX. 

I spoke to one of the office assistance there and she could not locate a file or account for me. I called back and spoke an agent with HP Sears after speaking to XXXX XXXX who again verified by phone that the account was with the XXXX XXXX XXXX XXXX office listed above. 
I have not been in a XXXX XXXX office since 2016 and the bill was paid through my employer at the time which was XXXX XXXX XXXX. 
XXXX XXXX, XXXX can not find a file or locate an account with my name or birthdate therefore, I would like the {$1300.00} debt that HP Sears as falsely placed me ruining my credit.

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 2016-04-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Someone called my bank ( USAA ) and tried to access my wife 's account and failed. 
She was never notified of a failed attempt to access her account via phone. 
They eventually succeeded after multiple attempts and were able to change her withdrawal limit, contact phone number, and online password. My wife was only notified of the password change after the fact. 
They were then able to access XXXX accounts and empty all of them, totaling over {$4000.00}. 
I have searched USAA 's member community forum and see this happening way too frequently with USAA accounts recently. I find it very hard to believe that USAA is not notifying members of this fraudulent activity or tightening up phone security and adding extra verification due to this scam. 
We are now on day XXXX of accounts being frozen and funds not replaced. We have requested, via phone and in writing, replacement debit cards, new accounts, and the funds replaced. We have had no contact from USAA. When I called, they claim it is still being " investigated ''. 
They know what I know, because I learned it from them : They granted access to our bank accounts to a third party, who then cleaned the accounts out. The only mistake we made was trusting USAA. Yet, we still have no access to funds we need for bills and food. 
The level of ineptitude, complacency, complicity, or some combination of the XXXX, is frightening here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I was contacted by XXXX XXXX from XXXX XXXX Law Office, located in XXXX XXXX, CA. He stated that he was attempting to collect on a judgment in the amount of XXXX. This is the amount that they reported to the credit bureau. He stated the judgment was for XXXX, however, per the court records ( I verified on XX/XX/XXXX ), the judgment was for XXXX, which included the full debt amount, punitive damages of XXXX and attorney 's fees of XXXX. He stated that they added their judgment filing fees and court costs and fees and that the last time it increased was in XX/XX/XXXX, raising the amount to XXXX I believe that he has violated the FDCPA by misrepresenting the amount of the judgment, and the amount owed, and also by sending false information to the credit bureau. 
I am deeply concerned that they will continue to add fees once the debt is negotiated and/or settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have sent them ( AmeriHome ) my letter from the county with my exemption for taxes. They are not responding to my tax exemption. Instead they are withholding taxes and not obeying the regulation concerning vets. I have called them and was told they will eventually get to it. I do not want to pay unnecessary taxes and have to file to get them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Advertising and marketing

Complaint:
XXXX XXXXAccount Number XXXXFormer account number XXXXI am filing a complaint against Chase United Mileage Plus credit card. I believe these are the events leading up to my complaint. 
I originally had a credit card that was a 'premier ' credit card that provided me with reward points for signing for the United Explorer card. I terminated this card as I did n't wanted to pay the annual fee ; I converted this initial credit card to XXXX, which is a Chase United Mileage Plus credit card. 
I then reapplied and called Chase in XXXX or XX/XX/XXXX and requested to obtain the 'Mileage Plus ' Explorer Card. The credit card provided XXXX bonus points if I purchased {$2000.00} by XX/XX/XXXX. I complied with this stipulation. 
I spoke with someone named XXXX and XXXX, Chase representatives and I explained to them that I originally had a Mileage Explorer Card and received about XXXX or XXXX United Mileage miles. ( I ca n't recall what I exactly earned. ) I specifically told these representatives that I converted this card to a regular United Mileage card that did n't require a yearly fee. I asked these individuals if I could apply for the new Explorer Card and obtain the XXXX bonus miles. They told me that I could absolutely receive the new bonus miles. I believe that they completed my new application on-line. 
I received approval in the mail for {$9000.00} credit line. I am attaching the papers I received. I did n't check to see if I received the XXXX bonus miles until XXXX XXXXI called on XX/XX/XXXX and spoke with XXXX ' a Chase representative who referred me to a supervisor named XXXX . I explained the situation to her and she stated I would receive a call from an account manager at Chase. I received a call from XXXX who stated that Chase will not give me the XXXX bonus miles since I was not entitled to the bonus miles from the XXXX credit card. I was told that I already received bonus miles from a previous promotion. I explained to XXXX that I spoke with, the aforementioned individuals ( XXXX, XXXX ) and they told me I was eligible for the bonus miles. 
My RequestI want the XXXX bonus miles and for the hassle I would like compensation such as an additional XXXX miles for the hassle of having to write this complaint. 
Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: MD
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 disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Bankruptcy

Complaint:
Capital One/XXXX is reporting derogatory and inaccurate information on my XXXX and XXXX Credit Report. This credit item was listed on my Chapter XXXX Bankruptcy filing dated XXXX/XXXX/2013 and discharged. Please see attached filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Delinquent account

Complaint:
I submitted a previous request for information on my account. XXXX has failed to return my calls and did not address my concerns. She provided statements for only 1 of the accounts in collection but did not provide on the second account being collected on by : XXXX. I would have provided her this info but she never called me back. I need to see fees that were applied as well as how my deposit was applied to any past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call 3 to 4 times in a row about every couple of hours and never leave a message. Most of the time if I do answer, they hang up. The caller id says it is Comenity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Issue: Advertising and marketing

Complaint:
American Express frequently sends me offers that include benefits like Return Protection. I began using my Amex card exclusively for large purchases because of the suite of benefits that it advertises. When I attempted to use the protection benefit after I changed my mind on a watch strap purchase that, per the store 's policy, can not be returned, American Express refused to honor their benefit. In their words, my watch strap was excluded because it is considered a watch or jewelry. I read their benefit terms and conditions very closely, and I appealed their decision, arguing that a watch strap is neither a watch nor jewelry according to multiple common definitions. Amex refuses to follow common definitions and instead lumps this into a jewelry/watch purchase for the purpose of avoiding having to honor their protection benefit. 

I feel this is deceptive advertising to lure customers into using their credit cards with intent to avoid providing their customers with promised protections whenever they can loosely categorize a purchase into one of their excluded categories. A watch strap is no more a watch or jewelry than a power cord is a tv or laptop or a shoelace is a shoe. 

I 've learned my lesson not to trust Amex 's " benefits '' but I still feel this matter is unresolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-07
Company: Ability Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have made reasonable attempts in writing to contact this debt collection agency after finding their contact information on my credit reports. I have requested valid documentation to show that this is indeed my debt and I should pay it. I have received nothing except a billing notice with no pertinent information to show what services were provided. I have made an attempt to contact the original service provider and they did not respond to me. I am unwilling to pay a debt I do not owe. Ability Recovery Services are reporting unsubstantiated claims on my credit file. I have given them ample opportunity to resolve this issue with me directly and they have not done so. I am of the opinion that this is a fraudulent attempt to collect monies that are not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card
Issue: Other

Complaint:
To Whom it may Concern : I am hereby writing this letter to request for a onetime settlement of the outstanding balance 's on my Synchrony card accounts. I have been struggling with financial difficulties for the past six month on accounts of my lay off due to the economic downturn. I am finding it very difficult to make monthly payments to my account. I sent you a letter dated XX/XX/2016 stating I wanted to close my accounts and make a settlement amount and I have yet to receive a response in regard to that. 
I am currently negotiating debt with several creditors and I have only a limited amount of funds. Some of the conditions that I want for this payment are as follows : The payment will be full and final settlement of my credit card outstanding balances for Conns, Walmart and Credit Care No legal action will be initiated against me in future for any payments I will be removed from the defaulter 's list from your records. 

If your company is willing for this one time settlement then please write back to me and I will make the necessary arrangements for making the payment and also draft the debt settlement agreement. Please do not contact me by phone, please contact me at my email address XXXXXXXXXXXX. NO PHONE CALLS! 
I will be glad to receive a positive response from your end. 
Yours sincerely

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 2022-11-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2022 I received a document saying my credit card was changing and that my 2.5 % cash back was changing to 1.5 % cash back, but that they'd put an additional 1 % cash back onto the card for all qualifying purchases through XX/XX/2022. 

It was eventually confirmed my card was only getting 1.5 % cash back, even though they could locate the XX/XX/XXXX document and the XX/XX/XXXX email confirming the 2.5 % cash back. 

USAA told me on XX/XX/2022 that as of XX/XX/2022 my card was switched and instead I was getting 1.5 % cash back the entire time. 

At this point I've been sent to six different people ( credit card dept, rewards dept, customer resolution dept ) and no one is able to fix this issue. I've been told my rate should be adjusted and backdated, but no one knows who does that which is why I'm here.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had submitted a complaint : Case number : XXXX regarding XXXX XXXX XXXX Account number XXXX. Equifax responded " Equifax has reviewed the complaint and its records. The disputed XXXX XXXX XXXX Account number XXXX account is currently not reporting on the credit file. Written confirmation was mailed on XXXX/XXXX/15. " A review of my Equifax credit report on XXXX/XXXX/2015 reveals that Equifax continues to report this account with payment history of " Unknown XXXX XXXX Days Late ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: JPMORGAN CHASE & CO.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made arrangement with Chase Bank to make monthly payments of {$180.00} on a close account from XX/XX/XXXX to XX/XX/XXXX. During that period of time, Chase Bank reported that my payments were 90 days past due until the balance was paid off. Chase Bank has refused to remove the 90 days past due notice on my credit bureau reports. I feel that Chase Bank is unfairly punishing me although I upheld my end of the contractual agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Experian Information Solutions Inc.
State: PA
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:
As a Consumer that is protect by the Laws of the FDCPA and FCRA Ive notice several Violations on my Consumer report that I would like removed. Violation consists of Right to Privacy, Permissible Purpose and Identity Theft.

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 2022-11-05
Company: Atlanticus Services Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have attempted multiple times to contact Fortiva to have match pay credits applied to my account I have received confirmation that I am enrolled does the match pay program but the credits have never been applied to my account. I have made multiple payments to Fortiva but they have never applied the match payments to my account since XX/XX/2022. My ssn is XXXX and my name is XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation