BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company response does not meet requirements of validation .The dates being reported on credit report, address listed in response letter as their proof of debt notice is not my address and does not belong to me and or listed on or ever been used on my accounts listed on my credit report. Upon further investigation that is a childhood address of over XXXXyrs ago at a age not old enough to even obtain credit at such time .which proves Portfolio Recovery did not obtain my information from a creditor and participated in stolen identity /info and breached rights of privacy by searching public information and violated FDCPA Laws! Although company is stating they have purchased the account, that litigates and agreement between them and the third party not me and Portfolio Recovery. Theres no contract nor agreement and I am not applicable by law to make any payments to them as I have no knowledge of the account and am positive of no contract existing between me and Portfolio Recovery nor how they have violated my right to privacy by obtaining my information by way of identity theft. Furthermore because they do not have a correct address for me Portfolio Recovery has violated law by not sending a debt validation notice amongst other violations that total XXXX a piece Portfolio Recovery now legally owes me more than the alleged debt by way of damages that were caused due to their negligence.So if this is not removed from my credit report at once I will proceed further legal action of my own!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01
Company: EQUIFAX, INC.
State: FL
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:
Over the past year, I 've sent written disputes to Equifax asking them to remove  XXXX  inaccurate  XXXX   XXXX  on my credit report but to this date, no actions have been taken to address my concerns.     These  XXXX  " medical '' collections are only showing up on my Equifax credit file.  XXXX  and Transunion have never had this information on my records. I am attaching a section of a recent report that shows this information along with this complaint.for the CFPB to review.     The first account has an account number of "  XXXX  '' with a past due balance of {$55.00}.     The second account has an account number of "  XXXX  '' with a past due balance of {$100.00}.     I do n't understand how this is possible. It 's very suspicious that there is no name to identity these accounts and they are supposedly medical related. It is also suspicious that ONLY Equifax is reporting them to my credit.     I have called the phone number provided in Equifax 's dispute letters but I always get an answering machine and am kept on hold for a long time. The last time I called, I held for over an hour before I decided to hang up.     I have also personally requested verification of these debts in writing but to this date, no supporting documentation has been provided. If this is the case, how can Equifax continue to report negative information on my credit that can not be verified?     Equifax is reporting someone else 's accounts on my credit and I am having to pay the price for debts that I never even created.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Loan Care Servicing in XXXX. My payment was duplicated on XXXX XXXX, ( my fault ) and requested a refund. After numerous faxes, emails and phone calls, by XXXX XXXX my payment was still not refunded. Since I 've never been late on a mortgage payment and since it was so close to my next payment due date, I requested them to recast my payment to XXXX XXXX payment. I was told every time that it 'll take a few days. I called on XXXX XXXX and spoke with a " supervisor '' and she gave me her word that the payment was going to be applied to my XXXX XXXX payment by XXXX XXXX. I called today, XXXX and was told it will be processed by XXXX XXXX. I asked if the interest was going to be adjusted and also if my payment was going to backdated to XXXX XXXX, since they were in possession of the money. I was told in no uncertain terms, that that is not something they do. There are over 90 complaints about this company on XXXX, all with similar complaints and clients complaining that issues were stalled just so that they can charge fees. 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 2016-03-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i was sold from XXXX to carrington mortgage in XX/XX/XXXX. i have yet to get a statement from carrington, I ave been calling since XX/XX/XXXX or XX/XX/2016, I have been promised each time this would happen, all i got was a letter about my escrow that did n't make sense. I have made two payments now and they did not apply my payment as requested.some goes into pad my escow. today i called to find they are mailing me a XXXX check out of my escrow which will not make me short for my house insurance in XX/XX/XXXX. They are incompetent. they do this so they can increase you house payments. I googled this mortgage company and could not believe the complaints of how badly they handle concerns. I have called at least 10 times with no results even XXXX 's escalation dept called them and they never called her back. i want a new mortgage company with competent people. i want a monthly statement showing me what i paid and how it is applied. i want to be able to designate how my extra is applied to my escrow. i do not want higher house payments and they is what they are trying to do, and all the complaints i found stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: CITIBANK, N.A.
State: OK
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I would like to file a claim regarding my Citibank Saving 's promotion. I logged into my account and saw this promotion in XXXX. Then I clicked the link in the promotion to enroll. I also called the phone number provided in the promotion, and sent a secure message to Citi customer team to confirm. Both service representatives confirmed that I successfully enrolled into this promotion, and I should receive the bonus after I completed the requirements. As stated in the terms, this promotion is valid for my existing Citibank Saving account. 

Here are the terms for the promotion offer I enrolled : The cash bonus will be credited to your new or existing Citibank ( R ) Savings Plus Account within 90 calendar days from the date when you completed all offer requirements. To qualify for a cash bonus offer, you must first enroll by clicking " Enroll now '', visiting a branch and asking a Citibank Representative, or by speaking with a Citibank Representative through CitiPhone Banking ( R ) by XXXX/XXXX/16. You must make a minimum deposit of {$25000.00} in new-to-Citibank funds into a new or existing Citibank Savings Plus Account betw een XXXX/XXXX/16 and XXXX/XXXX/16. New -to-Citibank funds are funds that are not currently held at Citibank or an affiliate of Citibank . Cash bonuses are tiered and qualifying deposit amounts range from {$25000.00} up to more than {$250000.00}. The amount of your cash bonus depends upon the amount of your qualifying deposit. The qualifying deposit tiers are : $ XXXX {$49000.00} earns a {$300.00} bonus ; $ XXXX {$99000.00} earns a {$400.00} bonus ; $ XXXX {$240000.00} earns a {$500.00} bonus and {$250000.00} and more earns a {$700.00} bonus. The qualifying deposit must be maintained in the Citibank Savings Plus Account until XXXX/XXXX/16. 

I funded my Citi Saving account with deposit of {$25000.00} in new -to-Citibank money in XXXX and maintained the amount until XXXX, which met the requirements for the {$300.00} bonus in the promotion terms. However, Citibank refuse to give me the bonus stated in the promotion. I contacted Citibank and they conducted a investigation for my case. The result letter of the investigation said that they can not find the promotion in my account. As stated before, I clicked the link in the promotion page to enroll. I also called the phone number provided in the promotion, and sent a secure message to Citi customer team to confirm that I have successfully enrolled into this promotion. I have taken a screenshot of the promotion, and saved all the communications with Citi customer service representatives as my record.

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 2016-09-02
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Late last year I discovered that XXXX XXXX has been reporting a collection account in my name to XXXX, and they have been reporting this collection for several years ( since XX/XX/XXXX ). I did not apply for an account with the original creditor ( Citibank ). I have never held a credit card from them and I have never received any documentation from the original creditor this account was for. I also have never received ANY communication, written or via phone call, from XXXX XXXX to notify this debt was passed to their office. I only became aware of this account when checking my credit report for the first time in several years. 

After becoming aware of the collection account I sent a certified letter to XXXX XXXX on about XXXX XXXX, XXXX requesting that they validate the debt they were reporting to XXXX. 

This letter was returned to me undeliverable. 

Frustrated, I filed a direct dispute online with XXXX, using the reason " This account was fraudulently opened by someone who stole my identity ''. Surprisingly, the dispute came back " verified '' and no change was made regarding this account on my credit report. I now realize that the incorrect " dispute reason '' was probably used, nevertheless I have no previous knowledge of this account so it made sense to me. 

Still frustrated I called XXXX XXXX and asked for their mailing address to send a letter regarding an account. The person on the phone gave me the following address : XXXX XXXX XXXX XXXX, TX XXXX. On XXXX XXXX, XXXX I again mailed them via certified mail requesting validation of this collection account. Again the mailed letter was returned to me undelivered! At this point I feel that something very unscrupulous is going on and this XXXX XXXX company is intentionally making it difficult for consumers like me to exercise my rights by requesting validation of negative information that they have been reporting on me for years. 

Their business practices are unethical at best and appear to be in violation of the Fair Debt Collection Practices Act.

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 2017-02-16
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My husband died from XXXX almost two years ago. He dealt with everything financial during our 40 plus years marriage. After his death I discovered he opened some accounts in my name. Once such account was a CitiBank Credit card. I diligently disputed all fraudulent accounts under the FCRA with the credit bureaus and filed multiple complaints with the CFPB. Thankfully all the matters were resolved. The CitiBank card in question was removed from my XXXX credit report on XXXX/XXXX/2015. For some unknown reason, Citibank just assigned the same card to XXXX XXXX to collect, who has been attempting to collect the debt. I previously completed and uploaded a Federal Trade Commission Identity Theft Victims ' Complaint and Affidavit, which was signed at the XXXX County ( Maryland ) Police Station located at XXXX XXXX XXXX XXXX XXXX, Maryland 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 2015-09-29
Company: Elite Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling repeatedly during the day. Advised i was working and unable to talk, they repeatedly called back. Upon attempting to return the phone call they immediately hung up on me and then started calling me again. Rep was XXXX @ Elite Financial. Today alone i have calls @ XXXX ; XXXX ( told unable to talk and hung up ) ; XXXX called back and immediately hung up on me ; XXXX attempted to call back to advise a better time to call, was hung up on again. XXXX was hung up on ; XXXX ignored call

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-15
Company: Paypal Holdings, Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 I reviewed my XXXX XXXXXXXX XXXX Checking Account. Only to find two counts of Unauthorized Demand Draft. I contacted the bank fraud unit asap. I placed a stop on the demand draft, due to both where unauthorized and ordered a new debit card. The bank has filed the claim under, claim # XXXX. I then contacted the local XXXX SC Sheriff 's Department and filed a report Case # XXXX. Then I contacted XXXX and XXXX XXXX office of the South Carolina Attorney General 's Office. I was told The South Carolina Attorney General 's Office couldn't help. And I should contact, The United States Attorney General 's Office - District of Columbia. I'm sure you understand bank fraud and unauthorized demand draft fraud is a Federal Crime, I would like to seek criminal charges. Unfortunately the bank paid both illegal drafts, I have no clue who they are, but they used PayPal to draft my account. The purchase ID # 's are on my statement and also filed with the Fraud unit & local law enforcement. I would like to seek criminal charges. FDIC bank 's should have more task force law enforcement. XX/XX/2021 PayPal XXXX XXXX drafted {$5.00} transaction XXXX CA - XX/XX/2021 PayPal XXXX XXXXXXXX XXXX XXXXXXXX drafted {$20.00} transaction XXXX CA - XX/XX/2021 PayPal XXXX XXXX XXXX XXXXXXXX tried to draft {$20.00}. All three counts are Unauthorized Demand Draft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my statement balance of {$5000.00} in full via my bank bill pay. The balance was due on XXXX XX/XX/2023. My Bank, USAA Federal Savings Bank sent payment to arrive by XXXX XX/XX/2023. Marcus by Goldman Sachs, notified me that I had a late payment and therefore owed {$29.00} in late charges and {$78.00} in interest. I immediately confirmed payment was sent by my bank and called Goldman Sachs on XXXX XXXX. 

I was told by Goldman Sachs that there records indicate that I paid my statement balance in full on XXXX XXXX. I explained that I confirmed payment by my bank and asked for the late fee and interest be removed. The customer service representative removed all but {$21.00}. 

I have bill pay set up to pay the {$21.00} so not to incur any additional fees, but I am writing to complain that they are still charging me {$21.00} for a payment in full that was set up via bill pay to pay prior to the due date. I feel they are stealing {$21.00} from me and I don't have a recourse. I am asking they credit the {$21.00} for I should not owe any fees or interest for a payment paid in full. Attached is a copy of the payment from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Credit Karma, LLC
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have never lived at XXXX XXXX XXXX, XXXX, XXXX XXXX. I have never worked at XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I dispute this debt because I do not owe this money. I terminated my contract for Internet service with XXXX in XXXX 2014. I received an email from XXXX stating that if I return their equipment before the closing bill, I would not be charged. At that time, I returned their modem using the packaging and shipping label they provided. My closing bill did not include any charges for equipment. I did not receive any bills or notices from them since ending the contract. 

In XXXX 2014, I received a letter from a company called XXXX claiming I owed XXXX {$100.00}. I called XXXX and their representative said they had no outstanding dues on my account and that they were unfamiliar with XXXX. The call was escalated several times and took almost XXXX hour to complete as they checked various databases. After that call, I contacted XXXX to gather more information about this claim. They told me it was for an unreturned modem. I put this claim in dispute. In XXXX, 2014, I received a letter from them confirming that the account was in a " disputed status. " I received a letter from another collection agency called XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2014. There was no verification of the debt or any tracking information about the shipping label that was provided by XXXX. I received your collection notice today. 

I do not appreciate having to dispute this debt this many times as XXXX continues to sell consumer information to different collection agencies. Upon searching discussion forums, I understand that there are many consumers who have been troubled greatly by a similar error.

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 2021-01-15
Company: BARCLAYS BANK DELAWARE
State: MD
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:
On XX/XX/XXXX I had submitted a dispute with Barclays ( Luxury Card ) about a charge in the amount of {$860.00}. 

On XX/XX/XXXX I had received a letter that the credit card company is unable to assist. After speaking to numerous agents on XX/XX/XXXX I was told the case was closed in error and it would be reopened and escalated. It never was. Again, I called and spoke to numerous agents ( call centers ). They can not even locate the case in their system properly, takes 30 minutes each time to explain what happened. Nothing is being done.

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 2021-01-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
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:
FINANCIAL TERRORISM! 
HUGE, I MEAN REALLY HUGE CLASS ACTION : SENDING EMAILS TO AS MANY CLASS ACTION LAW FIRMS AS I CAN, POSTING ON SOCIAL MEDIA EMAILING SENATORS ETC.. with proof.

USAA Complaint : refuses to provide a full accounting of the Balance they allege I owe. Like all the statements from XX/XX/XXXX, which is the date USAA claims the account opened. I have no way to legally challenge the amount without the complete accounting and they know this. I have been trying to get this information for years, requested 5 times to date. ( 9 Violations ) I am also disputing the date of last activity of this account. USAA has been reporting the date of last activity as XX/XX/XXXX. This is not accurate, the date of last activity was XX/XX/XXXX. Meaning USAA has continually verified all information as being accurate when in fact it was not. ( 12 Violations ) USAA also reports this account as a recent charge-off ( CO ) every single month since it was initially charged off in XX/XX/XXXX, misleading potential creditors. ( 162 Violations ) RETALIATION & FRAUD : USAA has been deliberately causing harm to me in retaliation by re-reporting this account as a charge off every single month for the last 5 yrs. By doing that, creditors and the credit bureaus score this account as being newly charged off, which drops a person 's score far more than an account that was charged off 5 years ago as this was. 
Previously, once an account is Charged off ( CO, the following months would be reported as NR= ( Not Reported ) I have discussed this fact with 3 separate underwriters in the Mortgage industry. USAA does this to cause deliberate harm and this method was approved by their CEO XXXX XXXX and likely other board members. USAA literally creates a command for charged off accounts to continue to report each month, as a result my credit score is over 100 pts lower than what it actually should be. 

Note : I have dozens of examples how previous charge offs were reported with myself, family members, friends and relatives. I have spent dozens of hours researching others who have had charge offs in the past. 

What is their motive, everyone makes more money when borrowers have lower credit scores. The banks can charge more, so can insurance companies, and all financial institutions. Further, it forces Americans to purchase credit bureau memberships, just a few of the motives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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