BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery has been trying to collect an ALLEDGED DEBT from me. I requested a debt validation from them. They did not provide me with any information with my signature providing that it is me. Even if this was provided to me, IM the only person who can validate and verify this debt which I DO NOT VALIDATE! Anyone can say that a consumer owes a debt but they have not proved that this debt was mine. I do not validate this debt and I have told them this is not my debt multiple times an even requested a cease and desist. They are continuing to violate multiple consumer laws such as : 15 U.S. Code 1692f.Unfair practices by trying to collect a debt that is not owed by me and by communicating through post card. Many people know the name of this collection agency so anyone who delivered the mail thinks that I am in debt which is a violation of this law and my right to privacy, 15 U.S. Code 1692g - Validation of debts, I was not given enough evidence to verify this debt yet this ALLEDGED DEBT is still being furnished on my report and is preventing me from obtaining new credit, and 15 U.S. Code 1692j - Furnishing certain deceptive forms because these are false forms being furnished on my report and it has created false belief in my consumer report. These are all violations under the FDCPA which this company needs to be held liable for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have paid the company on several occurrences where they did not apply the money to my credit card account. On their end, they claimed the money was not in my account but my bank account shows that the money was gone. Also on their end, it shows the payment went through. They claimed they had to charge me extra fees because of this. When I continue to try to solve the issue, they send me to another representative instead of trying to help me. 

These instances occurred on : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 in the amounts of ( consecutively with the dates listed above ) {$100.00} {$22.00} {$20.00} {$25.00} {$26.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: OneMain Finance Corporation
State: FL
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:
I am the natural person, creditor and consumer according to 15 USC 1692a ( 3 ) - defines consumer Pursuant : 15 usc 1681 ( 4 ) 15 usc 1681b 15 usc 1681b ( a ) ( 2 ) Which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it related.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I found out my XXXX  child have a credit report with this company and they fail to give me her credit report they sent to me a stall letter and i am requesting these items to be removed from my daughter profile and frozen and i want mailed proof of doing this first mistake they have her birthday as XX/XX/XXXX when my child birthday is XX/XX/XXXX which is she's only XXXX XXXX XXXX they have her same social security number as my minor child as well i am including my license the mother my child birth certificate as well WITH MY RECENT BILL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Synerprise is attempting to collection on a debt now owed. The XXXX XXXX were not provided to the patient. Synerprise has failed to properly validate amounts owed. In any any event, there is no charge-off. 

Synerprise responded to a prior complaint by pretending that it had no knowledge of the complaint. This practice is INTENTIONALLY DECEPTIVE AND MISLEADING. 

Reference information for the collection is contained in the attachment. 

If the collection account is not immediately removed, complaints will be filed with the Texas Attorney General in a class action manner. 

You may contact counsel at XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We moved XXXX in XXXX and our renters in our home stopped paying rent so we were unable to pay our mortgage starting in XXXX. The foreclosure on our home took quite a long time and is therefore still on our credit report. I 'd like to complain of prolonged process and hardship for this foreclosure and have it removed from our credit as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is XXXX XXXX XXXX. 

This delinquent account record is inaccurate because I did not miss payments between XXXX and XX/XX/2017. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. 

Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, 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 explanation
Consumer complaint received 2016-12-07
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've disputed this issue twice with all XXXX credit bureau 's. I 've requested my signature and proof that this is my debt twice, I have yet to hear from the creditor PMAB which is a 3rd party that 's trying to collect from XXXX which i do n't know who XXXX could be. I do think its supposed to be XXXX which is XXXX XXXX XXXX which i 'm still disputing. This would make this debt invalid, which would make it a discrepancy on my credit report for reporting inaccurate information. 

This is the letter that i sent them and i have had no response Dear PMAB, After viewing a copy of my credit report, I noticed XXXX collection account placed on my credit from from XXXX XXXX XXXX account # XXXX {$330.00} and XXXX XXXX account # XXXX {$210.00} I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I mailed the FIRST Request letter to TRANSUNION, XXXX and XXXX to investigate/verify and delete incorrect accounts on my credit report. I have sent the letter with proof of my identity. 
On XX/XX/2022, I sent the SECOND Request letter requesting for TRANSUNION, XXXX and XXXX to remove all the incorrect information since I have not been notified or showed the results of their investigation within 30 days. Sent Certified mail. The credit reporting companies TRANSUNION, XXXX and XXXX are not complying with their own polices in a timely manner. 
On XX/XX/2022, I sent the THIRD Request letter demanding TRANSUNION, XXXX and XXXX to delete these incorrect/inaccurate accounts from my credit report since it has been over 30 days. Sent Certified mail. 
I have certified tracking numbers given to me by USPS that prove the receipt of this letters. 

Unfortunately, I started this complaint on XX/XX/2022 and the companies have not responded by the laws set up by the Fair credit reporting act and removed the information since they have had more than 30 days to verify and remove the false information from my report. 
I want this incorrect/inaccurate information immediately deleted from my XXXX credit reports. 
These incorrect/inaccurate accounts are hindering me financially and preventing me from providing a better life for my family. 
I want TRANSUNION, XXXX and XXXX to immediately delete these incorrect accounts from my credit report that do not belong to me. They are affecting my finances. Please delete the following accounts from my TRANSUNION, XXXX and XXXX reports : # 1 XXXX  XXXX XXXX # 2 XXXX  XXXX XXXX ( Collection Agency XXXX XXXX XXXX ) # 3 XXXX XXXX XXXX Collection Agency XXXX XXXX XXXX  ) # 4 XXXX - XXXX # 5 XXXX  XXXX XXXX ( Collection Agency XXXX XXXX XXXX XXXX # 6 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 2020-06-09
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
This is from XXXX XXXX from XXXX and XXXX. " The modification and documents on the house were not done properly and at the time of the foreclosure sale he was still on title, therefore, he is entitled to his 50 % portion. '' I believe I was mislead by Wells Fargo and their title company XXXX XXXX XXXX, and when I was entitled to surplus funds I only received half because of them. I was never told this. I believe your company never found this out and therefore I am them victim of Wells Fargo loan modification scam!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: AMA Advisors, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2021, we were pursuing an extended lock rate with Homebridge Financial Services ( HFS ) for a FHA loan with an expected closing in XX/XX/2021. At that time, HFS was the only mortgage company that could offer us an extended lock rate for which a deposit of {$1800.00} was officialized under the impression that it was a refundable deposit. 

In early XX/XX/2021, after receiving our closing letter, we also received other lending options which had lower interest rates and closing costs. We decided to pursue the lender with the best offer and asked HFS to refund our lock fee deposit. HFS denied our refund stating that the lock fee was forfeited when we decided to pursue our financing with another institution. 

Below the arguments we have already presented Homebridge Financial Services in our lock fee refund request and respectfully request CFPB to evaluate in this claim : 1. Deposit for an extended lock rate was made on XX/XX/2021, under the representation by XXXXomebridge Financial Services that it was a refundable deposit that could be used as cash to close in the future. We were never made aware that this condition was exclusively with HFS or that this deposit will be forfeited if we choose a different lender. In fact, no additional terms or conditions were disclosed at that time.

2. The Extended Lock Rate Agreement, with the terms and conditions that HFS is now holding as reference, was uploaded to the portal on XX/XX/2021, fifty ( 50 ) days after HFS requested our deposit money. Terms and conditions for the Extended Lock Rate Agreement were never disclosed at the time of our decision making.

3. The first page, last paragraph of the Extended Lock Rate Agreement states : " This Extended Rate Lock Agreement shall become binding when signed by you and the lender, and upon payment of the Lock Fee ''. 

The agreement continues in capital letters and portions in bold : " A LOAN IS NOT LOCKED UNTIL AN AGREEMENT HAS BEEN ACHIEVED WITH YOUR LENDER, AND YOU HAVE ENTERED INTO A SIGNED RATE LOCK AGREEMENT. YOU MUST SIGN THIS EXTENDED RATE LOCK AGREEMENT AND RETURN IT TO THE LENDER ALONG WITH ANY LOCK FEE WITHIN 2 BUSINESS DAYS. '' Since this agreement was never divulged back in XXXX, it has never been signed by us. According to the above, the loan was never locked and the lock fee never used. 

4. Homebridge Financial Services, after failing to properly disclose the terms of the Extended Lock Rate Agreement and lacking a binding arrangement, is unreasonably withholding our {$1800.00} deposit.

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 2017-12-26
Company: Veterans Relief Services LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
The Department of Veterans Affairs, and/or one of their agents stole my XXXX XXXX compensation check. I noticed on XX/XX/XXXX I did not receive the check. I call their XXXX number to find out where it was. The agent said it went to the wrong bank. I waited a few days and called back. They said the second time I called that it was returned ( on XX/XX/XXXX ) I asked when I would receive the check they did n't seem to know the status. So I again I waited and called again. The third time I called they made up a story about some alleged debt, and were n't sure what happened to the check. In the past, they have always mailed a check if it was returned, but this time the check seemed to be returned and then it disappeared out of thin air. I believe either the agent or agency has committed fraud. It has been 22 days since the check was returned to them and they still have not mailed it out to me. I have all of the documentation stating it was deposited, returned, and as of right now they are not showing any status of a payment for the month of XXXX. I believe they may have stole my identity with my social security number and birthday, and name. The amount of the lost check was {$830.00}.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-21
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I have ordered a citibank mastercard and it has been more than 3 weeks and it has not arrived. However, the mobile app says I should have received my card about XX/XX/13. This is highly unusual, so I suspect it either got lost, or worse compromised. Or.. they never sent it. 

I decided I want to report it, and get a replacement. I attempted to contact the XXXX number they have on their website, as well as use the... ABSOLUTELY USELESS 'help ' they have on their website, and It seems like it's designed to purposely avoid helping anyone at all. Every selection have gatekeeping that require the card 's information in order to proceed in the menu. It's the most infuriating customer experience I've ever had. 

So now, *IF* something were to happen, I can't " lock '' my card in the app because it isn't activated and I can't get ahold of anyone because of their system to manually address this issue. How is this legal?

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 2016-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
In XXXX 2016 I had some fraudulent activity against my credit card. After contacting their fraud department, they attempted to remove the fraudulent activity from my card, but only removed part of it. 
After contacting them a second time, they successfully removed the rest. 
A month later I look at my account only to find out that someone put all the charges back on. 
One of their fraud agents saw they credited the card that was cancelled ( as well as the correct card ) and put the charges back on my current card, essentially putting all the bad charges back on. 
I have spent many hours on the phone, and they acknowledge the mistake, but over the last month and they have only removed part of the charges. 
I have spent over 5 hours on this and they keep telling me they will put someone on it to fix it, but every week, it 's still the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I repeatedly asked for verification of this debt to prove that it was indeed mine. I have net received any proof that this is my debt. All that is sent to me is a previous bill that was issued. Once a fraudulent account is open of course there will be a bill generated that dies not provide verification that the debt is valid. Please delete from all credit reporting agencies at once and stop violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card
Issue: Billing disputes

Complaint:
I had ( XXXX ) XXXX Capital One Credit Cards. XXXX was for business, and the other personal. I had always tried to be timely on payments. I worked late a lot, and at the time their web page stated that payments could be made until XXXX. There were times there I would get home late from work and not submit my payment until close to XXXX. They would then charge me a late fee. I complained several times. They told me payments made after XXXX were late, but still accepted until XXXX. The web page did not say that at all. Then the real problem began. I would get on to make payments and I would get several errors like " you request did n't go through '' or " the site is down. '' This would happen frequently. This would then cause the payment to be late. I did not know what to do. I have tried several times to remedy this with them but they continue to claim that I never contacted them. I will attach several letters. Upon request, I have several letters from the Attorney General of Indiana also. I feel that they purposely mislead people on the payment acceptance. This caused me to go into default and now stuck in collections. I went into default because they would charge late fees, cause the limit to go up and then charge over limit fees. There must be a remedy to this before I am forced to obtain a lawyer. This has resulted in MASSIVE interest rates when trying to obtain credit from reputable sources, including countless hours spent researching and fighting this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX XXXX  XXXX XXXX XXXX, has violated my rights. 

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 explanation
Consumer complaint received 2020-06-09
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
US Bank : 3rd complaint : Since opening my personal accounts back up to me last week, I still can not access my online banking or the mobile banking app for my personal accounts on my phone. I was told last week it would be opening this week. I thought I would double check that through the CFPB since you seem to be able to give me more straight forward answers here. Can you please give me a date for when all my personal accounts will open up for regular use which includes online access? 

Thank you 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 explanation