BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-13
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased a part for my motorcycle on XX/XX/XXXX in the amount of XXXX. My mechanic tried installing the part and advise the shop gave me the wrong part. I went to the store where it was purchased and they said they were not going to give me my money back. I filed a dispute in XXXX of XXXX. I was advised that my dispute was opened and I would get paperwork in the mail to fill out and return in 2-3 weeks. on XXXX I received a letter from us bank that my provisional credit would be charged back on XXXX because I did not return paperwork. I then called us bank and was advised that they would re open the claim. 2 weeks went by and I called them back to advise no credit and no paperwork was received they advised they were still working on it. I then called gain in XXXX and spoke to a manager by the name of XXXX XXXX at XXXX and she advised that she was going to have the claim expedited and again that never happened. I received a letter from us bank and it said they were unable to credit and process because the information I sent was insufficient. Well that's a lie because they never called me back, they never sent any paperwork and they never even acknowledge my request for a call back. I have been getting the run around and terrible customer service and us bank does no protect my money.

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 2020-08-13
Company: Experian Information Solutions Inc.
State: NY
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

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 2016-10-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a a unverified account from Portfolio Recovery Associates , LLC. I had previously disputed this account. I have never done business with Portfolio Recovery Associates , LLC. Pursuant to the Fair DebtXXXX Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Portfolio Recovery Associates , LLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin XXXX. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Portfolio Recovery Associates , LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have recieved multiple calls from a company by the name of Portfolio Recovery Services. They are calling me harrasing me about a debt I have no recollection of as I have never done buisness with this companyy before. They call me from various numbers and when I ask them how they got my personal and work phone numbers they will not tell me and they hang up or talk over me. Latest numbers below .... 

( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Constar Financial Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Someone supplied this company with my phone number. I am not the contact they are looking for and they continue to call me from various numbers and do not leave messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: U.S. BANCORP
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XXXX of 2017 I received a Kroger credit card from US Bank that was suppose to provide a XXXX XXXX fuel credit once you use XXXX fuel points for the 1st year. After my 1st statement I noticed I was not receiving this reward after using XXXX fuel points many times. So I contacted the bank and they indicated I did not have this reward associated with my card. So I sent them all the information and the bank sent me a response on XX/XX/XXXX indicating my account would receive the described fuel discount for the 12 months from the date of account opening. I noticed I still did not receive the credit and asked the store - they told me to contact the bank. I contacted Kroger again and the bank again and the bank said I did not get this reward AGAIN. Kroger just emailed me and indicated I have to put in a number on the back of the card - WHICH IS NOT IN WRITING ANYWHERE. So needless to say I did not get this benefit for 5 months.

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 2020-05-17
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
One of my continuous issues with my mortgage company PHH MORTGAGE IS THE INCOMPETENCE. IN XX/XX/2020 I ATTEMPTED TO REFINANCE. THE ISSUES WERE SO BAD THAT I RESORTED TO FILING WITH CFPB. I HAVE NOT REFINANCED TO THIS DAY. PHH LIES AND SAYS IT TRIED TO HELP ME BUT THE SAD PART IS THEY PASSED THE BUCK TO STALL AND COVER UP INCOMPETENCE. I SPENT A WEEK ARGUING WITH AN NEW AGENT WHO INSISTED THAT I MUST GET MY OWN CERTIFICATE OF ELIGIBILITY FROM VETERANS AFFAIRS. UNTRUE. AS A VETERAN I TRIED FILING FOR A VA LOAN. IT WAS RIDICULOUS. I HAD TO ARGUE ANOTHER AGENT DOWN ABOUT BEING A XXXX VETERAN AND THAT FACT RELEASED ME FROM SEVERAL OBLIGATIONS IN REFINANCING. ONCE AGAIN ABOUT A WEEK WASTED WHILE THEY SELF EDUCATED. THEN THE AGENT COMES BACK AND INFORMS ME THAT I HAVE TO HAVE AN HOME INSPECTION DONE AS PART OF A VETERAN CLOSING. IT TOOK 2 MONTHS TO FIND OUT I WASN'T QUALIFIED FOR THE INTEREST ONLY REFINANCE. I ASKED WHAT OTHER TYPES OF REFINANCING IS AVAILBLE. THE AGENT AND I HAD A DISAGREMENT. I HAVEN'T HEARD FROM ANYONE SINCE. THIS IS DEPLORABLE. I TRIED CALLING AND ITS SO HORRIBLY INEFFECTIVE BECAUSE THEY DONT KNOW WHATS GOING ON AND WILL TRANSFER THE CALL TO THE USELESS DEPARTMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Cottonwood Financial Ltd.
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I keep getting calls from this number with threats of having me prosecuted and being verbally abusive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I requested to cancel my forbearance on XX/XX/2021. Loancare confirmed they received my request via email. On that email it indicates I will receive an email within 5 business days for my recorsds. It has been 5 months now of calling loancare and requesting a letter of termination for my forbearance. I have spoken with 10 representatives and 2 managers who refuse to send this information. I paid my missed mortgage payments in full in XXXX when i requested to be off forbearance. The refinancing of my home is in jeopardy as LOANCARE refuses to provide the necessary information for refinancing.

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 2020-01-09
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX XXXX XXXX - XXXX - and the credit bureaus are reporting inaccurate information as well as they are in violation of the Bankruptcy courts - the Automatic Stay! 
This account was included in my DISCHARGED bankruptcy yet they are still reporting monthly, damaging my credit and reporting a balance! 
I am notifying my attorney and the next correspondence will be from him.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have filed disputes letter to all 3 credit bureaus on XX/XX/2020. I am aware they have 30 days to reply to my disputes it has been well over the 30 days. please help in this matter.

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 2016-10-25
Company: FC HoldCo LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Every month on my XXXX 2008 truck tell this Flagship company with used to be car finance.com and I was never inform of the change but this flagship company calls after my due day on the on the XXXX of each month and I always tell them when I 'm going to pay them around the end of the month when I get paid again because I am paying IRS back and I 'm never over 30 days let but I will get these calls form this company XXXX XXXX time in a week and they will call my wife XXXX to4 times and I have told them to stop the calls because I have to pay them but I would to have the call back its turning into harassment.

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 2020-08-13
Company: EQUIFAX, INC.
State: NY
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
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 spoke with XXXX XXXX back in XXXX in regards to this account not reporting to all 3 credit reporting agency 's. I was told by them that they report every 30 days to transunion however its been well over the 30 days and this account is still not reporting. I spoke with transunion again today XX/XX/2020 and was told the account is not showing. I've had this joint account for over 2 years now with a {$4800.00} credit line with excellent payment history and a zero balance as of now. I am again requesting to please report this card to the credit beaurous.

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 2016-11-14
Company: Real Time Group, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
There is an account reporting with RealTime resolution that I have been requesting payment history and proof this account is even mine. I sent them a certified letter that they received some time ago and the only thing they sent me was a letter stating they are researching the account and that was back on XX/XX/2016 no other information received.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I purchased a house in XXXX of 2014 and started getting phone calls from Portfolio Recovery for debt collection. I doubt seriously I would have been able to purchase any real estate had I the debt they are accusing me of on my credit report, which is completely absent, and my vehicles are paid off. As Portfolio Recovery calls on a regular basis at all hours, from assorted numbers all over the country, I have been forced to block all numbers that are not local. This harassment creates a problem when dealing with my own family emergencies. As I have nothing for them to be looking in to my credit report, my privacy is being breeched on a regular basis. Please make them stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Company called " Portfolio Recovery '' keeps calling my home, sometimes twice a day ( evening, morning, weekdays, and Sundays ). Says we owe a debt and is requesting money repayment but we do n't owe anything. Calls have persisted for over 6 months. This is obviously a scam and based on the volume of Internet complaints, they are a known-seedy, aggressive " business. '' They use different phone numbers ( e.g., XXXX ; XXXX ; XXXX ; and XXXX ) making it difficult to block their number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Pinnacle Credit Services, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have no knowledge of this creditor or debt. It is reporting as an open account to the credit bureaus and is negatively affecting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: EQUIFAX, INC.
State: CA
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:
Hello, my name is XXXX XXXX. 

I recently reviewed my credit report and found some information which is false and I wish to have this removed. 

The information which is false and should be removed is the address ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , CA XXXX. And the phone number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an account with Target Bank USA, NA and I have alerts set up on the account to remind me of the payment. I have requested to be notified by phone via text then email so that I am not late with payment and I do not incur fees and any late payments over 30 days on my credit. I'm trying to re-establish my credit history like most people since the pandemic and Target has reduced my credit line from {$3000.00} down to {$300.00} which is their right. I've been a cardholder since 2016 and experienced difficulty during the pandemic and have been back on track. Well I'm a XXXX Veteran and have many conditions and I suffer with XXXX XXXX this is why I have requested the text messaging first. I didn't receive the text message until after my due date which would have assessed my account a late fee and a 30 day late. I'm not sure why this happened but this is extremely damaging to my credit worthiness in which I'm working so hard to achieve, I'm a single woman and I don't have anyone to assist with my bills or a man bringing more money into the household. Had I been properly notified I would have paid the requested monies due in a timely fashion. Also, please be advised I had just been released from the VA for my conditions, and was being bombarded from Doctors to ensure I was safe. Upon receipt of the notification today, when I realized the payment was due I made said payment and attempted to contact them to discuss the alerts not being made appropriately ( XXXX est ) and they were not in the office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-13
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: Investigation took more than 30 days

Complaint:
I have filed disputes letter to all 3 credit bureaus on XX/XX/2020. I am aware they have 30 days to reply to my disputes it has been well over the 30 days. please help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed disputes letter to all 3 credit bureaus on XX/XX/2020. I am aware they have 30 days to reply to my disputes it has been well over the 30 days. please help in this matter.

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 2020-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
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 set up auto-pay for my credit card in Bank of America, the payment option is '' amount due '' in XX/XX/2019, the BOA only charges me the minimum payment {$25.00}, so now it charged me a lot of interest fee ( over {$100.00} ), I tried to call the bank to see what happened, they told me " amount due '' is minimum payment, I should choose " account balance " if I want to pay full amount due. But I double check the payment option in my online banking, there are some options, " amount due '', " minimum amount due '' " account balance '', " fix amount '', I don't think the " account balance '' means statement balance, and anyway, " amount due '' and " minimum amount due '' is confused to customer easily, until now, I don't think I chose the wrong option, " amount due '' means full amount based on public understanding. but the bank said nothing can do to help.

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 2021-10-03
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:
XXXX XXXX CLOSED MY CREDIT CARD IN XX/XX/XXXX AS STATED ON XXXX 'S STATEMENT. THEY HAVE CHANGED DATE ON MY CREDIT REPORT 3X BUT HAVE NOT REPORTED DATE THEY TOLD ME IN WRITING THEY COLSED IT. THERE WAS A BALANCE ON ACCOUNT AT THE TIME OF CLOSING. THWY THEN REPORTED A LATE " CREDIT CARD PAYMENT '' IN " XXXX ON A CLOSED ACCOUNT. 

IN XXXX OF XXXX I MADE A PAYMENT. 

ONCE CARD IS CLOSED THERE IS NO LONGER A " REVOLVING DEBT OWED '' AND NOT 2 MONTHS... 

THEY ARE KNOWINGLY REPORTING WRONG INFORMATION. THIS HURTING MY CREDIT AND SCORE. I HAVE DISPUTED WITH EQUIFAX..XXXX AND XXXX XXXX THWY ALL CLOSE DISPUTE AS RESOLVED AND UPDATED ... YWT ONLY UPDATES ARE CHANGING OF DATES WHICH STILL ARE NOT CORRECT. THEY HAVE NOT ADDRESSED ANY LATE PAYMENT ISSUES IVE DISPUTED. XXXX LATE PAYMENT IS STILL THERE. AS WELL AS A LATE PAYMENT ISSUES XXXX - XX/XX/XXXX WHERE I WAS INCARCERATED ... SENT MY UNCLE IN TO A STORE IN XXXX AND XXXX OF XXXX WITH A NOTARIZED POWER OF ATTORNEY WITH XXXX XXXX LISTED EXPRESSLY AS SOMETHING MY UNCLE WAS AUTHORIZED TO HANDLE FOR ME... THEY REFUSED HIM ANY INFO ABOUT MY ACCOUNT ... WOULD NOT TAKE MY PAYMRNT... THEY TURNED DOQN MY MONIES WITH LEGALIZED DOCUMENTATION AND A VALID ID ... .THEN THEY PUT ME DOWN AS BEING LATE. PLEASE CONSUMER CREDIT HELP ME HERE AS I FOLLOWED LEGALIZED WAY TO GET THEM PAID. AND THEY REFUSED TO TAKE MY PAYMENT. HOW AM I LATE IF YOU REFUSE MY PAYMENT. HOW IS THAT ... YOU REFUSE MY PAYMENT ... .LEGALLY NOT ABIDEBY DOCUMENTATION THE COURTS SAY IS VALID IF SIGNED AND NOTARIZED AND ID MATCHIND NAME IS PRESENTED ... .SO THEY BASICALLY TURNED DOWN A PAYMENT FROM ME... BUT I AM LATE ... HOW CAN THAT BE LEGAL OR EVEN FAIR. IVE HAD WHITE FRIENDS DO THE SAME AND THEY WERE HELPED ... .ID HATE TO THINK SAY AND OR TELL PEOPLE THAT THIS WAS SOMETHING RACIST ... .HE WANTED TO MAKE A PAYMENT ... EVEN TOLD REPRESENTATIVE THAT HE DID NOT NEED INFO... HERE IS MY INFO... JUST MAKE PAYMENT... AGAIN REFUSED ... .BUT ... NOW ... I AM LATE. PLEASE HELP ME ....

Company response to consumer: Closed with explanation