BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I receive at least 3 calls from this company daily, including weekends. Years ago I signed up for this service. I was assigned to someone and sent them all the paperwork requested. The next month someone else called me saying the previous person had left the company and asked me to again resubmit all the paperwork I had submitted the month before. The next month the exact same thing happened and, you guessed it, the 4th month the same thing. Nothing was EVER done to improve my credit and after 4 months of paying for a service they never supplied, I cancelled my contract with them. When I answer I tell the caller they dont have my permission to record me, which usually confuses them and they continue to record our conversation, and I have to explain to them ( which they should already know ), that in California they need my permission and Im not giving it. One man said hed make a note, which obviously didnt happen, and they hang up. However, they have continued to call me from every state ( at least thats what the caller I.D . says ) everyday and they refuse to stop. Im never using them again. I owe them nothing because they breached the contract. And yet, they continue to harass me. Any help to make this stop is greatly appreciated, since nothing I have done has stopped them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-05
Company: Freedom Mortgage Company
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm filing this complaint because I have been unable to resolve my concerns with my mortgage company about the way the length of time that it consistently takes for my mortgage company Freedom Mortgage ( unfortunately not by choice ) to process all of the payments that I 've made & sent to them on time -- at least 1 week in advance. 

For whatever reason, it is completely impossible for me to contact customer service in any form to try to get an explanation as to why it takes 2+ weeks for my payment to arrive at the payment address supplied by Freedom Mortgage. I am extremely fearful that Freedom Mortgage will assess late fees & cause me to " dispute '' the charges, as they are willfully slow and unwilling to find a proper solution. 

After waiting on hold for nearly 15 minutes this morning, I reached a customer service agent at ( XXXX XXXX XXXX -- the number listed for new applicants. I had to " sneak '' my way into the queue by calling that number since calling ( XXXX ) XXXX as is recommended for current Freedom Mortgage clients resulted in 3 automated hang-up calls this morning, after I entered & verified all of my current loan information. Emails to the only address that I can find, XXXXXXXXXXXX go unanswered repeatedly. I emailed another inquiry this morning & fully expect to be ignored again. 

I simply want to know why the processing is so slow & where I need to mail my payment for faster & more efficient service. I was told this morning by customer service that they use the U.S. Postal Service, and it is their fault for processing delays.

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 2016-03-19
Company: U.S. BANCORP
State: KS
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
DONT BANK AT US BANK, THEY ARE FRAUDS. Bank returned items ( or held items ) when they where a debit purchase and should of came straight out of your account. I had a Target purchase for XXXX dollars and sufficient funds over a XXXX. They returned items so in a week it could come back and overdraft my account. Also they overdraft my account on items that cleared with sufficient funds. Then turn around and charged me again for an extended overdraft. They are crooks, and need some to investigate them. They are rude, mean, and do n't give a XXXX about there customers or helping them. When I went to close the account they would not let me have any documentation to proof I close the account. They said they have to get with there legal services. XXXX!!! All banks give you documentation, or something to say it is a closed account.

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 monetary relief
Consumer complaint received 2020-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Capital One is stating that I have a write off account from XXXX. To date I have never received any bills or letters from Capital One. I had an installment loan with Capital One 60 month installment loan with Capital One in XXXX. Upon making my what I thought was a final payment there was still a remaining balance. I questioned this balance and Capital One sent me all of my statements. During this process, Capital One advised that I did not need to make a payment since I was disputing and it would take several weeks to provide the statements. I received my statements in XXXX of XXXX. I contacted Capital One in XXXX and the representative could not understand as well. I paid the final payment over the phone {$830.00}. At this time because I did not have any other options and did not want my credit to be impacted I assumed this had been resolved, Upon checking my credit report years later I discovered a late payment on my credit report from XXXX. I disputed this with XXXX  and as a result of my dispute late payments started being reported in XX/XX/XXXX, XX/XX/XXXX and XXXX of XXXX. I reached out to Capital One who started I did not pay my final payment in XXXX. I do not have any billing statements to support this from Capital One and this does not explain why they are reporting late payments when I have not received a bill. Capital One is ignoring my request and violating my rights as a consumer to have an accurate credit report. 

I have attached copy of bank statement which shows Capital One agent processed payment was withdrawn from my account on XX/XX/XXXX I have also posted a document which shows m payments were auto withdrawn. I have also posted response to my inquiry to capital one about the late payment in XXXX. I have also attached a letter from Capital One which references late payment in XXXX but does not mention any write off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: NY
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have reached out to the debt collector and their lawyers. Nobody can give me information. I have not received written communication about this debt only communication is whats on my credit report. Please verify the debt because this false accusation are violating my consumer rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Sequium Asset Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Repetitive collection practices against me and on my credit reports, with XXXX, XXXX  and XXXX. 
every time i dispute the accuracy of the account, the collection companies file a new collection account action against me under a different name, with the same amount owed. this has resulted in my credit score going from XXXX in XX/XX/2020 to XXXX XX/XX/2020. 
I pay all my monthly bills and credit cards, utilities and phone bills. 
I'am service connected XXXX  XXXX XXXX Veteran XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: Freedom Mortgage Company
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom Mortgage Company has lost and otherwise misapplied three of my mortgage payments over the course of the past six months, the most recent payment being my XXXX 2016 mortgage payment which was made on XXXX XXXX, 2016 and received on XXXX XXXX, 2016. 

Despite repeated attempts to locate my payment and sending proof of the payment by my bank to Freedom Mortgage, they continue to call me daily, send me threatening letters with late charges assessed and harass me. Most importantly, they are incompetent in servicing my mortgage loan. They have cost me countless hours of phone calls, waiting on hold and passing me from person to person without providing any answers as to the whereabouts of my payment. 

After calling them every day this week, they are telling me at the 11th hour that my bank sent the payment electronically and they ( suddenly and without notice ) are telling me that they " do not accept electronic payments ''. The only method for payment instruction that my banking institution ( XXXX XXXX XXXX ) has for them is to send the payment electronically. 

Now, after waiting an entire week, they are telling me that I have to go back to my bank and get them to track down the lost payment. 

All of this is beyond frustrating and not the first time that this has happened to me in my less than 2 years of having a loan with this incompetent company. They should be fined and put out of business. 

My next course of action is going to be to refinance this loan with another bank to get rid of them. I have the luxury of being able to do that. Many other consumers may not have the same ability. 

They are awful!

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 2016-09-24
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
I missed a minimum payment of {$35.00} on a TCF Bank credit card which was due on XX/XX/2016. ( I forgot it was due, because of a family emergency. ) On the morning of XX/XX/XXXX I realized this had not been paid, and I immediately paid the {$35.00} minimum due by paying online. Immediately thereafter, I called their customer service number and asked them to waive the late fee. They told me their policy is limit XXXX waive per year, XXXX in a lifetime, which is fine. Because this was the first time I asked, they said they would waive the late fee of {$26.00}. 

Their version of waiving is unique. Rather than tell you on the phone that your new amount owed for the next month is lessened to XXXX from XXXX -- whereby they subtract the late fee because they waived it -- they told me this : The new bill has gone out. You now owe {$74.00} minimum next month. I asked how that could be when I routinely owe about {$35.00} per month ( minimum payment ). They explained that I have to PAY the late fee XX/XX/XXXX and it will be CREDITED in XX/XX/XXXX Further, I have to pay them approximately {$18.00} in interest -- up front -- next month. AND I have to pay my minimum due for XX/XX/XXXX Total amount now due : {$74.00} minimum. They did subtract the {$35.00} I paid that morning as the new statement was reflecting an XX/XX/XXXX minimum due of {$100.00}. 

This is not 'waiving. ' This is having to expend more money the next month, then waiting another month for that 'waive ' to credit. And why am I owing interest as as an additional payment? And if they were able to subtract the {$35.00} payment of that morning by phone ( statement having gone out ), why were they not able to waive the late charge that morning by phone ( statement having gone out )? All I should owe for a bill due XX/XX/XXXX is roughly {$35.00}. Period. Thank you for contacting this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-19
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. Santander incorrectly charged us for *another customer 's tax bill*.

2. Santander subjected us to multiple tax bills and escrow payments thousands of dollars in excess of our actual amounts ( a total of over {$16000.00} instead of our actual bill of {$2400.00} ), subjecting us to significant financial stress.

3. Santander neglected their one actual obligation - paying our actual property tax bill owed to the city.

4. Santander has allowed our city property tax bill to become delinquent - over a month and a half in arrears - generating interest and leading to multiple communications and warnings from the city. All this despite holding thousands of dollars of our money ( interest-free ) in excess payments. This is affecting our financial standing and has become a source of serious emotional distress.

5. Santander charged us significant late payment fees on our mortgage payments - despite the fact that the delays were due to us trying to figure out why our tax & escrow bills were so obviously wrong.

6. Santander has not met a single one of your stated deadlines for ( a ) getting back to us and ( b ) resolving this situation. They have ignored our emails and calls and are making no effort to resolve our problem despite their own stated acceptance of fault.

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 2016-09-10
Company: U.S. BANCORP
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
US bank is marketing and selling its XXXX perks travel rewards credit card with a lot of benefits. However, I have this card for more than 33 days now and I absolutely have no access to their promotion site and the offers they are marketing. I have been lied and cheated muitlple times by the customer care. Sometimes, I have been told that the offers are not for everyone but when I insisted that the credit card benefit booklet I received mentions all these offers and there is no targeted offer clause. Then, I was transferred to different departments and this has been happening for more than a month. They tried to plead me with XXXX points and told me that I will have access to the benefits after my first billing cycle. However, I am still struggling to even find out what my card offers. The customer service says it 's a technical issue and technical team says they never heard of this site before. This site is mentioned on every page of the booklet sent to me by the bank. It 's 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 2016-07-15
Company: U.S. BANCORP
State: MD
Product: Credit card
Issue: Other

Complaint:
I have a Fidelity Reward credit card. Recently they change the servicer from XXXX XXXX XXXX to US Bank. But they did such a bad job in conversion. I did not receive the notice but receive my new card ( a Visa card, used to be XXXX XXXX ). Then I update my account number with the new number and send the XX/XX/XXXX payment ( {$2100.00} ) through my online checking account. After 2 weeks, this payment was not posted into my account. Then I called them and was told the conversion. They did not receive my payment since I used the new card number but sent to the old address. I did not know the conversion happened in the first place. How would I know the new payment address? I called the original servicer, XXXX XXXX XXXX, new servicer, US Bank, and my online bank. Nobody is responsible for this mess. I lost my {$2100.00}!!!

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 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act, the accounts listed below has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I Have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-09-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX requested TRID docs from mortgage servicer/debt collector XXXX note from old lender - XXXX  and modification documents ( XXXX ) with new lender XXXX sent which do not disclose the Loan estimate and closing disclosures

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: PA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX  XXXX XXXX XXXX Balance : {$6400.00} XXXX  XXXX XXXX XXXXBalance : {$470.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  XXXX XXXX XXXXBalance : {$760.00} XXXX - XXXX XXXX Balance : {$6200.00} XXXX  XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$3800.00} XXXX XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$900.00} XXXX XXXX  XXXX : {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been trying to qualify for the PSLF program. I have worked in the non-profit industry for 12 years, all the while paying back my student loans. I have the correct loan type, the correct employment, have made over 120 payments since XX/XX/2007, and believed to have the correct repayment plan. XXXX thinks otherwise, however. They say I have made 1 correct payment in the past 12 years, but when I ask them to look into my repayment plan they don't provide me with any more information. I have asked for a list of payments, all the info they are working with, but get little to no response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Tidalwave Finance Corporation
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received over five phone calls yesterday from Tidalwave Finance. I am 11 days late. I have given dates for payment which was accepted by one loan officer and then I get a call today. They called all my references and my hr department and are continuing to call me today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Early Warning Services, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Used Zelle payment service via the XXXX XXXX  app to send money. Transaction posted XX/XX/14 ( XXXX # XXXX ) for {$340.00} Money was transferred but goods were not received. XXXX XXXX will not refund money claiming their disclosures holds them harmless. Since Zelle is integrated with the XXXX XXXX XXXX, a reasonable person would presume it to be verified and escrowed by the bank. No disclosures or warnings appeared on the app when making the transfer to the contrary. XXXX XXXX opened a case ( XXXX ) but made no promise or expectation of reconciliation.

Company response to consumer: Closed with explanation