BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-27
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
US Bank notified me by email that they would eliminate the Bonus Award Nights benefit as of XXXX XXXX, 2015. I 'm unhappy about losing the Bonus Award Nights benefit because the main reason I applied for a XXXX XXXX XXXX Rewards Visa Signature Card with paying an annual fee of {$75.00} was to get the bonus award night benefit. I decided to call US Bank and explained to them the situation. They 're unwilling to help me nor did they give any compensation for eliminating the bonus award night benefit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-17
Company: National Principal Group, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My husband received a call from XXXX. I then called the number myself and spoke with someone named XXXX from XXXX XXXX XXXX. He said he was attempting to collect a debt for a pay day loan that was given to me on XXXX XXXX, XXXX by XXXX. I told him that I never did that and he then read off my SSN and an old address I had not lived at since XXXX. I asked him to show me verification that I owed this money and he said that mailing me something would n't make a difference. I told him that I did not owe any money and he said over & over again that it did n't matter what I thought, I was legally liable for {$620.00} whether I thought I owed it or not and the only way I was not legally liable for it would be if I could show proof that my identity was stolen and to give them the name of the person who stole my identity. He asked if I planned on resolving the claim and I told him that without him showing me any documentation that I believed this was a scam & then hung up. 

I checked all three credit reports and neither the loan or debt collection is on my report. I filed an identity theft complaint with the FTC and I was also encourage by my lawyer to file a complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Back in XXXX XXXX, Freedom Mortgage was to close the refinancing of our mortgage loan. We started the loan application in XXXX XXXX and on the onset, our feeling was things were being handled and managed to allow us a closing date of XXXX XXXX. When there were delays due to operations issues with Freedom, we requested that all of these issues be resolved before the party involved in the transaction had travel plans and would be unable to postpone them. 

Needless to say, Freedom was negligent in responding to this and closing did n't happen on time for this party to leave for Florida for 3 months. BUT, to make a solution for all concerned, we moved the closing to XXXX XXXX and myself and my other half had to pay the cost of an airplane flight from florida to our home and then return back to florida. 

Needless to say, XXXX date of settlement came and there were again problems made along the way by Freedom that caused delays in settlement on that particular day of closing. They provided a closing cost statement without knowing all of the numbers on the itemized report and could n't explain it to us at Closing. It required further email follow up days after the " closing '' for anyone to provide the complete closing details to us. HIGHLY UNUSUAL for a Mortgage Company in the business of closing loans.

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 2021-04-21
Company: Volvo Car Financial Services U.S., LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off my 2019 XXXX XXXX in XXXX of 2019. I have been trying to get the title since. Its as if Volvo financial services took my {$63000.00} and have stolen ownership of the vehicle. I have made no less than 19 phone calls to this company. The people there lie, give false stories and are thieves!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Legal Recovery Law Offices, Inc
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I am requesting validation of debt against this so call LAW FIRM XXXX XXXX XXXX XXXX " Legal Recovery Law '' I am very well aware of my rights and wont hesitate making a complaint against LAW FIRM with the FTC if they dont specifically validate the debt with all requested bullet points in what I expect from them to do step by step. PLEASE FOLLOW ALL LEGAL PROCEDURES TO PROVIDE ALL INFORMATION REQUESTED

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Southern Oregon Credit Service, Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I took my daughter to the emergency room and gave them proof of insurance. the insurance company entered her birth date wrong and sent me a bill instead of covering the cost from the hospital. The insurance company kept telling me she was not in their system. The hospital sent me to collections. 
Since than I found out about her birth date being wrong and I just received a letter saying she was covered for that whole year and they corrected her birth date. I called the collection agency and explained all this and asked if I send them the letter would they remove this collection from my credit report and they said no.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I continue to receive calls from Chase Receivables concerning a debt owed by someone that I do not know and who does not reside at my address or phone number. The debt call are for someone named XXXX XXXX. These calls have been occurring for over 3 years. 

I have repeatedly requested that my phone number be removed from XXXX XXXX 's database. but they continue to call seveal times every day and harass me about this unknown person. 

I want these call stopped. 

Chase Receivables mailing address is XXXX XXXX XXXX, CA XXXX XXXX XXXX The harassing phone calls originate from 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 2016-07-29
Company: Eastern Account Systems of Connecticut, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
XXXX/XXXX/2016 XXXX XXXX XXXX calling from XXXX, returned my XXXX returned call. XXXX called me at XXXX in the morning wanting to talk to XXXX, who has resided over a XXXX miles away, in Texas, for nearly a decade. We live in different states, with different area codes. He claims he did n't know. He is a bill collector, he knows where that relative lives. He knows that he is not to call before XXXX or after XXXX, it is his profession to know. XXXX XXXX said he would take my phone number out of their system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Focus Holding Company
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Please review previous complaint, case number XXXX, and current complaint, case number : XXXX. This complaint is related to these cases. 

I submitted a complaint against XXXX debt collection agencies, XXXX and Focus Receivables Management ( Case XXXX ) as well as XXXX XXXX XXXX ( XXXX ). I received a response from XXXX XXXX on XXXX XXXX, XXXX which is satisfactory. However, it does not look like the other debt collection agency, Focus Receivables Management, was included, so I am submitted another complaint against them. 

During an interview last month ( XXXX XXXX, XXXX ) with a federal agent to renew my security clearance with the federal government, I was made aware of negative entries on my Equifax credit report, specifically XXXX references to a XXXX XXXX account that is supposedly in collections. The dollar amount is similar to a previous case ( See my complaint, case # XXXX ) where a debt was mistakenly attributed to me and I was targeted by a collection agency. As you can see from the attached documentation and from the notes in the previous case, this debt was never mine and was eventually cleared ( supposedly ). In a letter dated XXXX XXXX, XXXX, the Collection agency stated that XXXX XXXX notified them that the account had been cancelled and removed. 

I am not sure the XXXX collections accounts listed on my current credit report are related or not. However, I have never been contacted by XXXX XXXX at any time, and I have never been contacted by a collection agency since this issue was supposedly cleared last year. The reference to it on my credit report is my only indication of a problem. I have already disputed both accounts with XXXX. 

This debt ( s ) is not, and never has been mine. I know nothing about it other than what I see on my credit report. However, now it is directly affecting my credit rating, and worse, it may potentially affect my security clearance and therefore my prospects for future employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: Focus Holding Company
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Focus Receivables has called my number at least XXXX times with a voice automated message that it was " attempt to collect debt. " I called them back and spoke to XXXX XXXX @ XXXX. She said that I owed comcast an early termination fee from back in XXXX on a business line. I explained to her that there was no early termination fee as it was waived because I upgraded an account simultaneously when this was closed. I told her I had the paperwork that I could show them and already spent 4 months with XXXX trying to resolve the issue. 

She was not interested in any explanation and said that I " simply owe the debt ''

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
im write for someone to help me with my mortgage i been fight with my mortgage company for over1 yaer .im doing a loan modification i send all my document i will call to check on my documents they will say call back in 2 to 3 day they to be scan in I call to speak to my relationship manage the number allways busy .call to speak to someone in customer service they tell me to send the same documents i just send.NOW WE ARE WITH A DIFFERENT MORTGAGE PLEASE HELP ME!!!!!!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX XXXX my loan was switched from XXXX bank to SPS servicing. They are Debt collectors not a Mortage co. With several calls being made every month It took until XXXX XXXX to finally get the payments applied correctly. They got it rite for while then XX/XX/XXXX it started again payments being misapplied or held in a " unapplied balance " line till the next month. I called this weekend when I saw the mistake and left a message and they did n't get back to me until wed afternoon. Again they are being corrected but each time this happens I lose the time and interest from when it was received by them and then applied days or weeks later. I ca n't figure out how to calculate that and what I 'm losing but what I 'm really worried about is if they ca n't do normal banking without incident are they calculating my Mortage correctly? I make extra payments every month in an effort to pay it off quickly so I can retire but wondering if I 'm being cheated. Whether deliberately or by mistake I 'm still the one on the losing end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have inquiries on my credit profile that were not made by me. I have been in contact with the credit bureaus and they have not resolved this issue. I would like all these incorrect inquiries to be removed from my credit report. Please see info below : XXXX XXXX SSN : XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto- XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX Bank- XX/XX/XXXX XXXX XXXX Bank- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today I spoke with Equifax employee XXXX, XXXX and yesterday I spoke with Equifax employee XXXX, XXXX REGARDING SOLVING MY ONLINE ACCESS INABILITY TO FUNCTION, MY INABILITY TO GET WEEKLY MANDATED BUREAU REPORTS FROM XXXX XXXX  XXXX  XXXX, MY INABILITY TO DO A TELEPHONE DISPUTE TODAY, YESTERDAY OR ANYTIME.I HAVE SENT WITHIN THE LAST MONTH BEAUTIFUL COPIES FROM MY XXXX DOLLAR SCANNER/PRINTER OF MY CURRENT CALIFORNIA XXXX LICENSE AND AN 8 PAGE XXXX CALIFORNIA EDISON BILL AT MY PRIMARY RESIDENCE SHOWN ACCURATELY ON MY DRIVERS LICENSE. 
BOTH XXXX AND XXXX COULD NOT LOCATE THESE DOCUMENTS ( OR DID NOT HAVE ACCESS TO THEM ) AND PROCEEDED TO DO AUTHENTIFICATION QUESTIONS TO " ID ME AND PROTECT MY INFORMATION '' WHICH IS QUITE LAUGHABLE SINCE I AM A SEVERE VICTIM OF THE XXXX DATA BREACH ) MY INFORMATION HAS BEEN SOLD AND TRADED AMONGST CRIMINALS AND CONTINUES TO THIS VERY DAY ... NOT ONLY WERE CRIMINALS PROVIDED MY DRIVERS LICENSE, THEY WERE ALSO PROVIDED MY EMAIL ADDRESSES AND SECURED THE LOGIN INFO, SO THAT THEY HAVE ACCESS TO EVERY SINGLE BIT OF CONFIDENTIAL DATA ABOUT ME.BECAUSE OF THE SECURITY FREEZES I HAVE PLACED FAIRLY CONSTANTLY SINCE MID XXXX EQUIFAX PREVENTS ME FROM HANDLEING MY OWN CREDIT INFORMATION BUT WHAT I SUSPECT IS THEY ARE ACCOMPLISHING FURTHER COST SAVINGS TO THEMSELVES AT THE EXPENSE AND HARM TO THE PUBLIC.THEY DON'T WANT TO DO DISPUTES OR PROVIDE REPORTS BECAUSE THERE IS A COST TO EQUIFAX, IN OTHER WORDS EQUIFAX IS CORRUPT FROM THE TOP DOWN.THEIR CEO AND BOARD SHOULDN ; T BE RETIRED AND SENT HOME TO CLEAN THE GARAGE ... THEY DESERVE TO BE BUSY SWEEPING OUT THE ADJOINING CELLS OF THEIR FUTURE LIFETIME ROOMATES. 
EQUIFAX IS DESTROYING THE FINANCIAL LIVES OF MILLIONS OF AMERICANS AND XXXX THEIR POCKETS AS THEY DO IT. 
I WILL ATTEMPT TO PUT FORTH THE DISPUTES I NEED TO THAT I COULDN'T GET DONE. 
1.XXXX  XXXX/XXXX  XXXX ACCOUNT IS TO BE REMOVED BY THE CREDITOR, I RECEIVED A NOTE ONXX/XX/XXXX..IT WILL BE ATTACHED ALONG WITH MY LICENSE AND ELECTRIC BILL. 
2, XXXX  XXXX  CAR CARE/DISCOUNT TIRE CARD IS DUPLICATED ON THE EQUIFAX REPORT.I HAVE ALSO RECEIVED A NOTE SAYING THE ACCOUNT WILL BE REMOVED. 
4, XXXX  XXXX.FOR ORIGINAL CREDITOR SYNCHRONY HAS BOUGHT AN ACCOUNT TO COLLECT THAT HAS ALSO BEEN REMOVED OR WILL BE REMOVED FOR FRAUD. 
5.XXXX CALIFORNIA EDISON ACCOUNT SHOWS A XXXX DOLLAR BALANCE IN COLLECTION WHEN FACTUALLY IT IS A XXXX BALANCE AND HAS BEEN FOR A LENGTH OF TOME, MONTHS PLURAL..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I am a realtor. I have a buyer who is going to be left homeless and a XXXX year old seller who is not in good health. We had a contract with select portfolio services to close on XX/XX/XXXX. Because of the new trid guidelines and christmas we had to go beyond XX/XX/XXXX. Everything was done and ready to close and select portfolio was informed but has refused to settle. The loan came from XXXX. I do n't see how it is fair for big banks who got bailed out to basically spit in the face of the american public because the new trid regulations caused a delay. They are ruining XXXX peoples lives and ones health and are using a new government regulation to do it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Transaction issue

Complaint:
I erroneously drafted an electronic check ( bill payment ) to my credit card company ( Best Buy ) for XXXX as opposed to XXXX XXXX XXXX/XXXX/16. Absoutely my error. When I caught the error, and tried to stop the check on the bank side I was told it was not possible since the " draw '' had already been initiated from the bank side, and was requested to contact the credit card company. I did so immediately. I was informed by Best Buy that they also were unable to do anything until the payment was actually posted. When it finally did post on XXXX/XXXX/16, I called and was told a refund would take 30 days to process unless I could provide a fax from the bank indicating that the check had cleared, If I could do so I was told that an epedited return could be handled in 4 days. The bank did so on Friday XXXX/XXXX/16, at my bequest. I have called Best Buy several times now, and am being told that it takes several days for a fax to show up, but that they have acknowledged an expedited request for refunding the entire payment. Unfortunately, now they are reporting that thsi will take 9 days to process. I am simply asking that the amount be returned immediately via ACH, in the same way that it was easily processed in a couple of days. I find it egregious that these delays are acceptable in today 's world of immediate electronic transfers.

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 2016-04-18
Company: Green Trust Cash, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a letter from XXXX, dated XXXX XXXX, 2016, attempting to collect a debt from a short term loan company named Green Trust Cash. Green Trust Cash appears to be either owned or associated with an online lender by the name of the XXXX XXXX XXXX ( XXXX ). Both entities appear to be managed by XXXX : Green Trust Cash references XXXX XXXX Tribal Complaint Hotline ; XXXX XXXX lending references the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to XXXX, the loan in question was made to a person unknown to me, named XXXX XXXX, who used my credit details to obtain the loan. I am not sure if XXXX XXXX are under the authority of the FTC since they are legally considered sovereign nations. But if they are I would like to report an improper loan process. Had either of the original loan makers or the debt collector bothered to inquire with any of the credit reporting agencies, they would have discovered I have a credit freeze on all of my accounts, which requires that lenders check with the major credit reporting agencies as well as to directly speak to me before approving a loan. I received no such call from the lender and the credit reporting agencies say that no such inquiry was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was told that this old account was re-aged and sold to Portfolio Recovery. I contacted Portfolio Recovery and worked aggressively to pay this off within months by making doubled payments and large debit amounts as agreed by payment plan with myself and Portfolio Recovery. I made the final payment before the plan was up because the rep and Account Manager told me the file would be closed and removed from my credit files. I have never received correspondence from them as paid in full or it removed from my credit files. I have sent them numerous goodwill letters and they have never responded. I would have never paid them in full and before the payment plan was up if they never agreed to remove this from my credit files.

Company response to consumer: Closed with non-monetary relief