BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-02
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are XXXX military and XXXX after we bought a house. We tried selling our house many times and could n't bc we owed more than we could sell it for. So we opted to do a short sale. We have had XXXX good offers in for this short sale and we are about to lose this XXXX offer bc the bank is taking to long. Every time I call its always in process. We had this offer in since XX/XX/XXXX and cant afford to lose this buyer. I feel like the bank is taking this long on purpose for XXXX reason.! - bc we are XXXX military and they know if we fall back on payments they can contact the command and XXXX bc we are still paying on the house and have never defaulted that they are still getting their money. If we had missed 3 payments then I 'm sure this house would have been sold already. It is not our fault that the military XXXX and weve done everything the right way and kept paying on this house. The house is not worth what we owe on it and therefore we cant sell it. When you have a good full cash offer in why would you just sit on it. Its putting a lot of stress on our house hold having to make a mortgage payment and rent. Can you please help us resolve this issue.

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 2015-08-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
On or about XXXX XXXX, 2015 at or about XXXX I receive a telephone call from Port Folio Recovery and Associates [ ( XXXX XXXX XXXX ] in an attempt to recover a debt. I at the time received the call on my cell phone while attending worship services. All of my home phone calls are forwarded to my cell phone when not at home. 

I asked the person on the other end of the line exactly who they were and why they called on a Sunday morning. The person identified herself as XXXX an agent of the company and informed me that she can call any day of the week including Sundays in an attempt to collect a debt and that she was not in violation of the Fair Debt Collection Practices Act. 

I informed XXXX that my interpretation of the law was different from hers and that I would take appropriate action to rectify this use of unrestricted power of calling an alleged debtor on Sunday morning while in worship services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
After I told them on XXXX/XXXX/15 that I hold POA for my mother XXXX XXXX they called her anyway on XXXX/XXXX/15 and harassed her for the money. She is XXXX old and has XXXX. I told them this on XXXX/XXXX/15 and yet they called her anyway. This is entirely unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12
Company: FC HoldCo LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have been trying to call Flagship for two days. I called XXXX and they transfer me to XXXX which no one answers. On XXXX XXXX, 2016, I was on the phone on hold from XXXX to XXXX XXXX EST. I was not able to talk to a representative. I want to talk to a representative to negotiate a payoff of my account so I can re-establish 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 2016-01-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery has sent me mail about debts that were part of a bankruptcy that got dissolved. I took their initial calls and stated that when I recognize I still owe the debt and to contact me by mail for any future collection efforts. For the last 6 months I receive multiple calls per day, 7days/week from various numbers. I am not able to answer them. I have gotten reports from family stating that they are now receiving multiple calls asking for all kinds of personal information, not just an address. Since requesting them to mail me anything I have not received one letter from them, just constant phone calls. I have an entire list of their numbers blocked in my phone. I am going to be sending a certified letter to cease communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-02
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
As of XX/XX/2015 I have been unable to access my funds from RUSHCARD. I am 4 months pregnant and I am extremely upset. I had my last paycheck deposited into my account on the XX/XX/XXXX, when it usually is deposited on the XXXX. After going on Social Media I noticed customer complaints about missing money, unauthorized transactions. etc. On the XX/XX/XXXX I requested a block on the card to protect myself from any problems. On XX/XX/2015 my direct deposit was credited to my account. I called RUSHCARD, and was told by a Customer Service Rep that the system was down and they could not pull up my account. I explained that all i wanted was a block removed from my card. She informed me it was nothing she could do. I called customer service and email RUSHCARD everyday for the past 2 weeks. Everytime I called I am put on hold and eventually the line hangs up. Last week I called and was told by a Rep that I requested my account to be closed and they would semd me a paper check for my remaining balance. This is untrue. I never requested account be closed. I called RUSHCARD customer right back, they put me on hold and later call was dropped. I have requested numerous times to speak to a Supervisor, someone that can help me, only to be ignored and hung up on. This does n't suppose to happen XXXX. I have 2 weeks wirhout money, and still no response from RUSHCARD. I am worried about my unborn baby because I have not been able to eat healthy food for the past 2 weeks. My kids are hungry, my car was repossessed, and Im about to lose my storage all because I believed in my country the great USA. I thought this could never happen, but I was wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt is to my ex wife as stated on my disillusion. I have told them probably over 60 times in the past two months and gave them her number. I have asked them to stop calling and they continuously call at all hours of the day. They have threatened to call my parents who are n't even apart of the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to make negative impact and violate both FDRA law and FCRA law while not and refusing to remove debt having zero to do with me or agree to validate supposed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On X/XX/17 Wells Fargo withdrew money from my checking account for a charge that I do n't recognize. Maybe it should have been taken out, maybe not, I have no way to find out because I called them and they told me that it was an online transaction by XXXX XXXX and the online withdrawer had my account number but nothing else. I repeated that I needed to know what it was for and they told me that unless I stated that I did n't receive any services or product for that withdrawal, they could n't investigate the charge. I objected that I did n't KNOW what the charge was for and that 's why I contacted them. I could n't LIE and say it was n't legit when they could n't tell me anything other than that XXXX XXXX had my account number, else they could n't have made the withdrawal. I again refused to lie and asked to speak to a supervisor. She said she was sorry and they did n't do business like that - and I pointed out that they just had! She went on to create further problems. I gave her my account number over the phone and she said it was too long. I read it right off my check! Then, she told me the number she had and she had it wrong. She finally put me on hold and after waiting way too long, I hung up and called their main headquarters in XXXX XXXX. There, I was told that I should n't lie to the bank and I needed to go into a branch office so that they could call their back office and help me. Baloney! I should be able to call and get the information about that charge and it 's not my fault they did n't get all the information they should have before they took it out of my account. I told them I was XXXX and ca n't easily get to the bank, but that should n't make any difference - they should be able to give me information on money they took out of my account when I call the main customer service number - not tell me I have to lie to get that information or go into a branch so they can call their " back office '' from there. There 's something really XXXX about all this and I need some help!

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 2015-10-29
Company: Empowerment Ventures, LLC
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have had an account with Rush Card for six years now. Two days ago I misplaced my card and had to report it Rush Card and request a new card. Well let me tell about the last XXXX hours on the phone and not being able to contact Customer Service to do what THEY require. Without my card I can not pay rent buy food and pay my bills that are due now. I have already discontinued my direct deposits and changed banks. This whole deal with Rush Card is a bunch of XXXX and needs to be dealt with one the Federal Level.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-26
Company: Empowerment Ventures, LLC
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX 2015 I cash a check with the company XXXX at XXXX pm and it was suppose to load on my rushcard within XXXX mins I paid the XXXX $ fee in which at this rush card had sent Msg via text and email that they were " up grading " their system from XXXX til XXXX on XX/XX/2015 and XXXX XXXX was a holiday ... XXXX did process the check and the money never made it to my card on the amount of XXXX $ til this day there is no record of that check going to rush card and now my money is missing as XXXX XXXX th 2015 and no one has did anything to find nor return my money back to me there is nothing I can do because the check has been cash thru XXXX .... I want my money and at this point rush card has not assist me in this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-05
Company: EQUIFAX, INC.
State: NC
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:
I have a credit card with   XXXX   XXXX   XXXX  , I was overcharging and I feel I was discriminated by them and I ask them and several occasions to lower the interest rate and they refuse and I ask them to close it because I will never able to catch up.consequently they accept to close the card and I will continue to make payment. Before the payment due date They still calling me and harass me on numerous occasion. I made my payment and   XXXX   XXXX   XXXX   reports to the credit bureau that I was late 90 days which is incorrect and I have document to prove that because I paid them through my bank account. because of that I was denied a job by a company. I would like for you to step in and discuss the finding with them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recoveries has been contacting me repeatedly on both my cell phone numbers as well as my home phone number daily, for over a year regarding an aged debt. After verifying the original date of delinquency from an older credit report, I then compared it to a more current XXXX and saw that the debt had been re-aged. I immediately disputed the validity of the debt with the credit bureaus who moved the account earlier in 2015. The calls had stopped temporarily, then started again and it began relentless. I even told the person the debt was aged and they continued to call. At XXXX point, I said that debt was no longer mine with the though process that since the debt was no longer collectible, that would be the correct tactic. To no avail, the calls will not stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I bought a car back in XX/XX/2016 at XXXX XXXX, I was told that the term was for 72 months starting XX/XX/2016 at a rate of 4.99 % I financed {$15000.00} and my payment would be {$250.00}. However as I was making my payment today I noticed my term set with capital one auto was 73 months. This is suppose to be a fixed rate loan but the interest I 'm being charged fluctuates month to month which does n't makes sense. So I spoke to XXXX a representative and she told me they calculate the interest as simple interest payments which was never told to me so over the course of the loan since XX/XX/XXXX I 've paid {$460.00} year to date. When I calculated my payments {$15000.00} with a interest rate of 4.99 % = total cost of car loan {$18000.00} over 72 months would be a monthly payment {$250.00}. So that means my interest charge should be {$2500.00}. On my contract they have interest charges as {$2500.00}. This to me is cheating me out of my money on interest and penalizing me for paying my car payments early As it seams they are trying to collect their interest within the first 2 years of the loan. So if I ever refinance their interest would have already been paid but my principal would have hardly moved making me pay more interest on principal with another lender if I 'm not so lucky to get another loan with a lower rate. My credit score is n't even terrible so not sure why my rate was so high to begin with they claimed cause it 's a used car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have XXXX charges of XXXX from Gold Key credit XXXX medical bills. 

I opted to pay off these stated debts as this debt collector has been submitting these debts upwards of 5-7 years old as new debt month to month causing ongoing detriment for years which far exceeds the value of the debt. 

IN contacting Gold Key, THEY agreed that paying off the XXXX debts they would fully remove the debt from my credit. 

According to my bank statement, this was paid in full on XX/XX/2016 in the total amount, {$130.00}. 
PURCHASE AUTHORIZED ON XX/XX/XXXX GOLD KEY CREDIT ( XXXX XXXX FL XXXX CARD XXXX To date, the promise from Gold Key to remove this debt has not been fulfilled as it still shows on all credit reporting agencies with mis-leading, false or inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-20
Company: Empowerment Ventures, LLC
State: RI
Product: Prepaid card
Sub-product: Transit card
Issue: Unauthorized transactions/trans. issues

Complaint:
I am a customer of Rushcard. On XXXX/XXXX/15 my employer direct deposited {$400.00}, however, on XXXX/XXXX/15 there was a deposit reversal done by this company not my employer. I simply want my money back. It is mid XXXX and I still cant get through to customer service and I have no idea how to get information on my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Credit determination

Complaint:
I applied for a Quick Silver credit card with Capital One which is for people with Fair Credit as reported on the web site. I was declined based on information they stated is from XXXX credit bureau 's, ( letter Attached ). 
I have contacted both bureau 's that are listed in the attached file and both are saying Capital One 's information is not correct based on the reasons they list. 
After contacting Capital One 3 times asking them to please review my application again and explaining the reason they continue to decline me for the same reason as stated in the attached file and continue to state that that information they have from the XXXX credit bureau 's. 
I presently have NO past due accounts and have XXXX revolving credit accounts to include a ( Capital One 's account since XXXX ) which was given XXXX credit line increases since opened, the last XXXX was in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card
Issue: Billing disputes

Complaint:
I returned to the XXXX several years ago after being out XXXX working for several years and finally checked my credit report and found I had a Charge-Off from Synchrony/JCPenney from a credit card that had been opened while I was out of the country working I tried calling Synchrony many, many times trying to get information and report it as a fraudulent account and was told by their customer service employees that they had no information to give me and that the account was originally serviced by GE Money and they never received anything from them whey they took over the account? They told me that I had to contact the Collection agency XXXX XXXX and that if there was any paperwork to " Validate the Debt '' they would have it. 

I started sending Debt Validation letters to both Synchrony and XXXX XXXX in XXXX of this year ( 2015 XXXX and neither company responded as required by U.S Federal law? Finally when I hired an attorney to sue XXXX for failure to validate the debt and for illegally reporting false information to the credit reporting agencies they immediately contacted me and notified me that they indeed did not have the information to Validate the Debt and that I was no longer responsible for the debt and they would contact all XXXX credit reporting agencies and remove the false information. 

Synchrony on the other hand is the worst company I have ever had to deal with in my entire life they are continuing to report the debt even though they can not even validate it and they have yet to respond to even XXXX XXXX XXXX XXXX of my debt validation letters and they do not care that they have no records to back up their claims and yet they continue to illegally report false and negative information they will not even give me any information how to contact their legal department to serve them for lawsuit its pretty bad that this country lets crooked companies like Synchrony operate and it is really sad that you have to resort to hiring an attorney. 

I want them to comply with U.S Federal Law and provide me with the information they are required to by law ( Validate the Debt ) immediately and or remove the false account from my credit reports. This has gone on far to long and I am paying much higher interest rates on all my credit accounts because of their illegal reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX  fraud called me at  XXXX  on  XXXX   XXXX ,    2017  to ask if I authorized a {$69.00} charge from  XXXX   XXXX . I said no and to block the charge. On  XXXX   XXXX  this charge was resubmitted and went through. I called the number shown for  XXXX  and it was their flight line with no option to ask about the change. After multiple calls over several hours to find  XXXX  accounting, they could not find any charge. I initiated a dispute with  XXXX  and they said they found it was a legitimate charge but could not tell me what it was for or provide any support for their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Since  XXXX     2012 Navient ha s been telling me that I can only forebare and default loans and that they do not offere income based repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: Receivables Outsourcing, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
initially filed complaint # XXXX indicating that this company will not provide any information, help me verify the debt, or remove my cell phone number from their dialer without requiring me to provide personal identifying information. 

CFPB forwarded the complaint to the said company. 

Said company then responded that they could n't deal with the CFPB unless I completed a HIPAA release providing them with even more personally identifying information including SSN, DOB, and permission to share detailed medical information. This is a scam!

Company response to consumer: Closed with explanation