BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt was charged off and sold to collectors and I am now being harassed XX/XX/2020. Submitted a 609 letter and still is on my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX I JUST recieved see attatched FROM USAA SENT XX/XX/XXXX WEB SERVICE. Better late than never. This is two years late. USAA IS NOT WEB ADA ACCESSIBLE. see enclosed UNAUTHORIZED TRANSACTIONS of XX/XX/XXXX & XX/XX/XXXX. Kindly Note the circled transactions * $ XXXX XXXX XXXX XXXX * XXXX XXXX those with stars PAID BY MERCHANTS XX/XX/XXXX. NO TEMP CREDIT IS NEEDED. THE TEMP CREDIT ** {$28.00} IS NEVER MADE PERMANET YET IS REVERSED PAID XX/XX/XXXX. BY MERCHANT AND REVERSED BY USAA {$28.00} XX/XX/XXXX INTO A PERMANET NEW CHARGE. ( (? ** USAA STEALS MERCHANTS CREDITS JUST PAID.?? ) all with stars paid XX/XX/XXXX The other two were paid by merchant see attatched XX/XX/XXXX statement. ( USAA ARE CRIMINALS STEALING ALL MERCHANTS CREDITS ** PRETENDING CONSUMERS GOT 2 CREDITS FOR ONE PURCHASE ) SO USAA TAKES BACK WHAT THEY NEVER GAVE OR MADE PERMANET SAME DAY MERCHANTS PAY OR FEW DAYS LATER. Also see attatched CRIMINAL INVESTIGATION LETTER USPS DELIVERIES NOT MADE Provide WRITTEN DOCUMENTATION THESE TRANSACTION WERE PURCHASED BY ME AND WRITTEN DOCUMENTATION TO VERIFY DELIVERED INTO MY HANDS. USAA NEEDS TO BE CHARGED. THIS IS A CRIME. USAA STEALS MERCHANT CREDITS HIDING INTERNALLY. USAA LEAVES CONSUMERS LIABLE FOR FRAUDS. USAA DOCUMENTS. INTERNAL CREDITS XXXX {$470.00} + XX/XX/XXXX {$700.00}. OTHER CREDITS + XX/XX/XXXX {$2.00}, XXXX. ( = TOTALS OF {$3.00}, XXXX ** SHOW ME WRITTEN PROOF OF USAA INTERNAL HIDDEN PERMANET CREDITS. AND WRITTEN PROOF OF DELIVERY INTO MY HANDS. ) TRUTH IN LENDING NOT 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 2015-12-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX I visited my local Citizen 's Bank branch ( XXXX MA ), brought all accounts to a Zero balance and closed my account. 

On XXXX ( ish ) An automatic XXXX payment was accepted under the closed Citizen 's account, which apparently reopened the account, unbeknownst to me. 

Since the account was triggered and reopened, I have not once been notified by Citizen 's Bank of any account reopening. Also, I am being penalized for not paying in the form of Fees. 

On XXXX, I was assured the account was in fact closed. At no time ( either in writing or verbally ), was I, as a consumer, informed that any account activity would automatically result in account reopening. Citizen 's bank did not have the right to accept any automatic amazon payment without my consent, and due to their practices have not notified me of any account reopening, resulting in multiple fees, which is misleading me as a consumer. 

I offered to pay them in full for any charges I inadvertently incurred, so long as they waive all fees, and they refused to do so. I feel that I a victim of unlawful business practices because of Citizen 's failure to disclose to me that my account had been reopened AND inform me any activity would result in account re-opening. 

It is in my best interest as a consumer to PERMANENTLY close this account. However, I have no option to do so, and am being forced to pay for wrongfully incurred fees. It is my hope that you can look into this, and help rectify the situation, or even advise Citizen 's Bank as to what information they are required to disclose to any future customers who are leaving their services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XX/XX/2019 my father passed away and I called the company asking for an extension briefly to pay for funeral expenses. I was going to make the minimum payment of {$25.00} the following week as my bill was due on the XXXX of XXXX. I made a double payment the following week but still have a late payment. I've contacted to company multiple times letting them know what happened but still haven't been able to get anywhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Can not get through to Equifax regarding the credit freeze I placed on my personal information. The company has effectively blocked me from speaking to anybody in person by asking me bogus security questions, or asking these questions in another language. 
I even went through obtaining a verification code by mail, following the instructions to enroll in my.equafax.com, and was locked out of enrollingin this also. This enrollment would have let manage the freeze that I placed on my personal information. 
I have not had any problem with managing the credit freeze on my information with XXXX  or XXXX. 
Equifax has made it impossible for me or anyone in our household to speak directly with somebody in their customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX, XXXX Consumer Financial Protection Bureau Re : Wells Fargo Home Mortgage Consumer Financial Protection Bureau Case Number : XXXX Borrower : XXXX XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX CA XXXX Loan Number : XXXX Dear Representative, I am in the process of selling my home and need an extension of the foreclosure sale date, currently scheduled for tomorrow XXXX XXXX, XXXX. I 'm writing today to ask for your assistance. 
I am working with Wells Fargo to sell the property to avoid foreclosure. The property has been sold and the new Buyer has taken possession as a renter waiting for the Bankruptcy Court to approval removal of the final lien before escrow can close. 
The Court is requesting information from Wells Fargo as evidenced by the attached document. I forwarded the Court 's request to Wells Fargo on XXXX XXXX, XXXX via fax. Wells Fargo does not have record of receiving the fax, although they do have record of the phone call. 
Wells Fargo is now requesting information from escrow and the Buyer 's Lender before they will stop the foreclosure, which again is scheduled for tomorrow.. I am working to get that information to Wells Fargo ( a signed extension of the escrow period and a copy of the Buyer 's loan approval ), but Wells Fargo has stated they can not guarantee the foreclosure will be postponement. 
The sale of the property is a standard sale ; Wells Fargo will receive 100 % of the original loan balance, plus late fees, plus foreclosure fees. There were several liens on the property which have prevented the sale from closing, all but one of those liens have been removed, and once Wells Fargo provides the Court with the information requested, the final lien will be removed and the home sold.. 
I 'm asking Wells Fargo to allow us to the end of XXXX to close the sell and avoid foreclosure. Any help you can provide on this matter is greatly appreciated. 
Sincerely, 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 2020-03-10
Company: DISCOVER BANK
State: NV
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:
XXXX  IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE ME. THE ACCOUNT WAS OPENED AND MAINTAINED WITHOUT MY CONSENT, NOW I AM REQUESTING XXXX  TO REMOVE THE FRAUDULENT DISCOVER ACCOUNT FROM MY CREDIT REPORT. I HAVE CONTACTED THE FEDERAL TRADE COMMISSION AGENCY AND THEY SAID BY CIVIL CODE FCRA 605 ( 10 U.S.C. & 1681c-2 ) THEY NEED TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE CONTACTED THE CREDITOR WHICH IS DISCOVER AND I HAVE SUBMITTED MY IDENTITY THEFT REPORT O THEM AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: U.S. BANCORP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
US Bank and XXXX XXXX XXXX pulled up my credit twice in a month and I did not authorize that

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 2020-03-10
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My debt was put in bankruptcy later Illinois hardest hits paid a big chunk of the debt my mortgage company then started charging Illinois hardest hits a higher rate then what was still my mortgage know has never been over a thousand dollars they were charging them over XXXX per month from the month of XXXX to the month of XXXX the following year there continue to collect money from bankruptcy can they overcharge another entity is paying the bill

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 2015-10-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification with Wells Fargo after I filed for bankruptcy protection Chapter XXXX to reorganize my debts. I was approved for a Trial Loan Modification and Trial Plan Payments ( TPP ) under the HAMP Tier II program. The TPP started in XXXX 2015 and would continue for three months or until Wells Fargo approved the permanent loan modification. 
I consistently made the XXXX, XXXX, XXXX, XXXX, XXXX and XXXX 2015 mortgage payments. 
I received a letter from Wells Fargo dated XXXX XXXX, 2015 that advised that they were cancelling the loan modification because I did n't get approval from the Bankruptcy XXXX. My bankruptcy attorney contacted Wells Fargo and explained that approval from a judge requires consent that a permanent loan modification will get approved. I called Wells Fargo to get an extension of the TPP or to get an extension of time to get a Motion for Approval of the Permanent Loan Modification. However, Wells Fargo advised me that I had to start the entire process all over again and that if my financial situation has n't changed, they were prohibited from accepting another application. The foreclosure process would start as Wells Fargo did n't apply the TPP toward the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have been dispute this information since  XXXX . An account from  XXXX  University  XXXX   XXXX  showed on my Transunion report for  XXXX . I went and viewed a full report and Transunion stated I had an unsecured loan from  XXXX  with  XXXX  University. Ive never taken out the personal loan with them. I called and spoke with Transunion and asked to have the situation investigated in  XXXX . I asked for information as to who they spoke with and how they verified their information. I still have not received any info as to how they verified it. I also told them ( Transunion ) they needed to update or delete incorrect information and the rep told me that  XXXX  was their client and pays them to report information.I spoke with  XXXX  and they verified that it was not an unsecured loan but a tuition bill. This is a tuition bill from  XXXX  not  XXXX . Transunion and  XXXX  University continues to damage my credit report by reporting this as an unsecured loan and that this bill is from  XXXX .  XXXX  University was paid in  XXXX  by a student loan.They were paid in  XXXX  of  XXXX  which is why I got a refund check. I recorded the call with Transunion, I have the documentation from  XXXX  showing it was a bill and not a unsecured loan and an email showing I had financial aid.

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 2020-03-10
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
SunTrust banks claims that I opened a credit account with them on or about XX/XX/XXXX. They are stating that I opened this account and that I have never made any payments on it. 

I discovered this by a dramatic change in my credit rating in XX/XX/XXXX. I did not open an account with Suntrust Bank. I have never received any bills from Suntrust. I do my banking elsewhere. 

I opened a case with the Federal Trade Commission ( FTC Report Number XXXX ) and placed a police report with XXXX County Sheriffs Office in TN on XXXX. I also sent letters to the all credit reporting agencies and opened a fraud investigation with Suntrust Bank ( Case ID # XXXX ). Not having heard back I sent Suntrust a follow up letter requesting information and alerting them to the fact this was a fraud. 

Suntrust sent me a letter on XX/XX/XXXX stating " Suntrust values you as a client and would like to help you meet your financial goals '' and that they believe the account is being reported accurately. 

They did not provide any information on account activity or exactly when and by whom this was opened. I am not responsible for Suntrusts failure to verify identity before creating this account and loaning money. Suntrust has not even attempted to assist in an investigation with the police or given me any information that would assist with 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 explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The inquiry appearing on my credit report is unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing this inquiry.. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
INQUIRIES : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Bread Financial Holdings, Inc.
State: DE
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:
This account is reporting late as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: Kirkland Asset Management LLC
State: IA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Company called family members to threaten and harrass regarding an online payday loan that was opened via identity fraud. Did not listen at all, only escalated and yelled then hung up on me. Also called family members leaving same messages. All I have is the phone number of the company XXXX, beleive they said the company name was KM or something but could not make it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Opportunity Financial, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I checked my credit to see a negative report from OPPLOANS/XXXX  in the amount of {$1600.00}. I lost my job and became XXXX  and I had no way to keep up the payments. I am now working and would like to settle the debt for {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 I submitted a negotiable instrument along with a remittance coupon to set off XXXX 's monthly statement. Your offer was accepted in the amonth of {$4300.00} for the value and consideration and tender the payment for thr complete amountand accord satisfaction. Per UCC 3-603/ 3-311 upon redeeming the instrument. 

Once accepted for value, the enclosed instrument is a lawful specie of payment under UCC 3-104, which can be used to credit/ off-set the balance of account. 

On XX/XX/2022 the account was only credited {$1.00}. You are in violation of 12 CFR 1026.13 and UCC 3-501. 

I have informed the company and gave ample time to correct the billing error. We are well beyond a month now. Despite my urgency due to it's time sensitivity, I have not been given thr proper due process into this matter, and my credit image is damaged daily. Also financially I am experiencing a great deal of stress not having access to a main credit line. I incurred paying higher fees using other cards to compensate for the lack of not using my Wells Fargo Card.

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 2016-10-14
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Checking my XXXX credit reports, it has been noted a credit collection company by the name, Enhanced Recovery Company, Enhanced Recovery Corporation, and ERC, is reporting a debt bought from ( XXXX XXXX, in the amount of {$170.00}. XXXX, XXXX. ) On XXXX, XXXX, Claims they received said account for collection. 
I never received any communication or letters from this agency. 
I have resided at the same address for over 6 years.This account is now Open with XXXX of the credit reporting agency, dated XXXX, XXXX, and XXXX agency as Closed, as of to date. 
XXXX date update : XXXX/XXXX/XXXX ( open ) collection/charge off XXXX date update : XXXX/XXXX/XXXX ( open ) collection/charge off XXXX date update : XXXX ( open ) collection, XXXX date update : XXXX ( closed ) XXXX date update : XXXX ( open ) collections under ERC XXXX date update : XXXX/XXXX/XXXX ( open ) renewal/installment. 

XXXX reporting agencies now showing different remarks Collections/charge off Closed Renewal/installments Under the Fair Credit Reporting Act, this is illegal. 
( Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer unfair and unjustifiable practices information contained in the files of consumer reporting agencies ). 
There are multiple inaccuracies in my credit files. Verification of debt must be clear and sent forward or said collection deleted from my files.

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 2016-02-02
Company: Atlanticus Services Corporation
State: CO
Product: Credit card
Issue: Credit determination

Complaint:
I started getting phone calls from credit card called Emerge, This company took over a credit card account of mine in good standing in XXXX or earlier but i can not remember the creditors name. I since have paid on time by check every month and my account has always been current with Emerge until XXXX of XXXX when they said they did not get my payment, they then charged me a late fee, I sent another check including the late fee and payment in XXXX, they have not cashed either check and call me XXXX or six times a day, to get a payment by phone. On XXXX/XXXX/XXXX I asked for the following info- Please provide me with The creditors name you are collecting for, they did not give me the creditors name, only Emerge. I asked for the amount owed, they said {$580.00} and i asked how can i dispute or get confirmation that i owe this dept, they did not respond, i said i need this information sent to me with in 5 days in writing and i will be filing a complaint with the O.C.C and i hung up the phone. I have never been late on payments in many years and find it extremely odd that i am now not behind on the dept and never have been, and all of a sudden they started charging me late fee 's and saying they did n't recieve my payment and want payments by phone, also i find it unusual that they wo n't give me the creditors name they are collecting for XXXX the original owner of the account from XXXX ). If i can request an investigation to see whats going on, if this is a practice or tactic to get more money from me by not cashing my checks by increasing my bill with late fee 's, I read a review online of another man with this same issue with Emerge and he found through the O.C.C. this company was doing some wrong practices towards him and his matter was resolved with a {$2000.00} balance dropped to {$0.00} balance after the investigation. That is just hear say but is what i read. I am filing this complaint for me XXXX XXXX XXXX mother, She is not proficient in computers so i am representing her in this request.

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