BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-03
Company: PNC Bank N.A.
State: PA
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:
We contacted XXXX XXXX XXXX about a refund for XXXX separate charges in which we were to receive a brand new phone number, as our emergency cell phone was ringing off the hook. Each time they sent us a RECYCLED number, which had the same issues of non-stop calls and messages from people we didn't know. 

XXXX XXXX XXXX said they had 'no apparatus ' to start a refund, and that if we wanted a refund to 'contact our bank/credit provider. ' We were told this over 5 times. 

We contacted PNC bank and started a dispute. PNC bank contacted us and refused, stating no billing error had occurred, even though we explained it was not a billing error. 

I contacted a manager in the dispute department at PNC, to whom I explained what had happened. She stated XXXX do not dispute prepaid phone charges ( Which makes no sense ) and said she would 'resubmit ' the disputes after I explained what had happened with the purchases. 

PNC notified us they had once again declined the disputes as there was no billing error. For over one month I have tried to contact the dispute department manager at PNC. I was told on XXXX separate occasions that she would call back the same day. She never did. 

I contacted XXXX XXXX XXXX, our PNC Private Client Advisor, who notified this manager that she should contact us as it was urgent. She never called. The dispute department says she is 'busy ' when I call, and refuse to connect me with her or another manager. 

Today, XX/XX/22, I called and PNC Private client advisor XXXX, MLS ID # XXXX ' stated that both the dispute and retail service departments had declined my phone call. There is a woman named XXXX XXXX XXXX who supposedly is in charge of this problem, and I have emailed her XXXX  times, called XXXX times and have yet to hear from her ( She did actually call at one point, but has not tried to contact us again, despite repeated attempts. She also never answers her phone. ) I'm so fed up with this ; this is beyond dispute, as XXXX XXXX XXXX has stated specifically to contact our bank. The bank is taking the position to do nothing, which is hard to believe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-30
Company: CCF Intermediate Holdings LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
THIS COMPANY STARTED HARASSING ME FOR THE SECOND TIME AFTER I HIRED XXXX LAW TO HELP ME CLEAR UP MY CREDIT. THEY HAVE BEEN TEXTING SEVERAL TIMES A DAY EVEN THOUGH I HAVE OPTED OUT OF TEXTS SEVERAL TIMES. THEY ARE ALSO CALLING ME SEVERAL TIMES THROUGHT THE DAY DURING MY WORK HOURS. I HAVE ASKED THEM TO STOP CALLING MULTIPLE TIMES. I ALSO ASKED THE NAME OF THE VISIT LAST TIME THEY CALLED AND SHE REFUSED TO TELL ME. I ONLY FOUND OUT THE NAME OF THE COMPANY ONCE I CALLED THE NUMBER BACK BLOCKED AND ASKED FOR THE NAME. THEY STATED THEY REMOVED MY NUMBER FROM THE CALL LIST BUT, THIS HAS BEEN PROVEN TO BE A LIE IN THE PAST. I HAVE ALSO ASKED FOR PROOF OF DEBT BE SENT TO THE ADDRESS ON FILE NBUT HAVE NOT RECIEVED ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently put in to settle a debt that has been on my credit report it said that it was sold to portfolio recovery llc i went on the website and was able to make payment arrangements to pay XXXX a month today was my first payment but i received no receipt from them so i went online to view the account and could not get on i contacted live chat and spoke to XXXX and was told that my account was not eligible to be viewed online but amazingly i was able to sign up to make payment arrangements and then i told him that i would need to receive receipts for these payments something showing that im.making these payments and what the balance is and im being told that i can not receive those either and that due to my states laws i can not receive receipts or statements i have never heard of such nonsense and so they can pretty much take whatever amount for however long cause i would not know what my balance is without a receipt and then being told he would have to speak to a supervisor to possibly receive any form of paperwork about this debt i am very concerned because they have my credit card now and dont want to provide me any information about my bill i really need help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 and I am not a 3rd party please see the attachment documents that I have uploaded for this complaint.

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 2023-06-30
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I tried to set up a payment arrangement for a XXXX debt. 
IQ data states that they don't own the debt and XXXX is their client. 

I called XXXX and they told me that they do not manage the property anymore and any debt more than XXXX years old is typically a write-off. 

I have tried to make arrangements with IQ Data and even set up an arrangement. 
I called them a week before extraction and stated that I will not be able to make the full payment because of circumstances and to cancel the autopayment because it will decline. I spoke to a Manager with that request and she literally called me a liar and told me to borrow money that I am not responsible and that I do have the money. My conversation with her made me extremely emotional and upset, she was verbally abusive, and it's unacceptable. A gentleman called me today to advise that the payment did not go threw and I told him under new circumstances I only have {$1000.00} to pay on this debt and nothing else. He also called me a liar and was verbally abusive. 

Not sure why we allow people to talk to others this way. I work in collections and would never ever verbally abuse someone if they owe money. You have to maintain dignity and respect for others. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In violation of federal law, the unverified items listed below still report to my credit report after numerous written requests. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these items, I'm going to sue you. Please abide by the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$7900.00} ; US DEPT ED XXXX Balance Owed : {$7900.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am currrently in Forebearance with my loan with XXXX 

I sold the property the loan was under so that I could pay off this loan since it was a rental property and I am not getting any income and am behind on the payments with the forebearance. 

However, after selling the property the escrow closed on XX/XX/XXXX and the escrow company wired a payoff amount to the company which they considered incorrect as it was short {$980.00}. The payoff amount was calculated to XX/XX/XXXX but the escrow company prorated the pay off to the date of XX/XX/XXXX and sent a wire transfer for an incorrect amount. 

I contacted the company and at first was told I could pay the {$980.00} via a phone payment to them and then the wire transfer they rejected could be resent by the escrow company to close the loan and I would then be refunded the difference after they closed the alone between the amount actually due and the pay off amount given for XX/XX/XXXX. However, the escrow company did not receive the wire transfer back and when I spoke with management instead they insisted on refunding the {$980.00} that I payed them back to my account and that the escrow company needed to wire transfer the full amount to them or they would not close out the loan although the deed was already transferred to a new owner. 

I was given a pay off from the escrow company and now I have to wire them back money to have them resend a new payoff to the loan company as they in turn refund me the difference with the payment that I made. In additiona they are taking XXXX or more days to process and return the payment so the escrow company can not rewire the pay off amount to them yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Lockhart, Morris & Montgomery Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
THE MEDICAL BILLS ACCORDED ON XX/XX/18 AND THE EMERGENCY ROOM HAS CONTINUED TO TRY TO SUE ME AND GARNISH MY WAGES BEHIND. When I submitted my first complaint with XXXX the company then sold my information to another company with misleading dates which were not the dates the account was XXXX. IF the account did occur XX/XX/18 which would make them near the XXXX exemption for a creditor to continue this XXXX style collection. I am so glad I only had a XXXX XXXX  and NOT covid. But that's how old this debt is. Unfortunately, I will not back down or stop from these illegal practices!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
During the early evening of XXXX EST I called Equifax to create an account. After 3 attempts of not being able to move forward in the personal information segment : not accepting my name that is on my credit card or the billing zip code. I thought that was odd as that has never occurred previously. I called Equifax customer support and spoke with a rep and she informed me that I had made too many mistakes and ended up freezing the screen. I did not inform her that I actually closed out the website twice and cleared the " cache '' just in case. I told her I wanted to subscribe to the Equifax Complete plan and said that she could activate from her end. I purposely interrupted her to inform her that how can Equifax put the {$1.00} on my card without being able to verify my name. She did not have an answer for that question, however, I did let her continue. She pitched the Equifax XXXX XXXX plan and said that I would be able to access my credit scores and reports from all 3 agencies. So I allowed her to set me up with the Equifax XXXX XXXX plan. She informed me that she would send me an email with the link to access my account and then create a new password. So I got the email clicked on the link and followed the instructions, however, I was not lead to my account page but rec 'd this msg. : " At this time we are temporarily unable to complete this request please try again later ''. So I did. After the fifth time I called the same number with no response. I did not get any email saying that an account was successfully created or a member ID number and now I have a {$19.00} charge pending without accessing the account page.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-30
Company: CAINE & WEINER COMPANY, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit 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 non-monetary relief
Consumer complaint received 2016-03-21
Company: U.S. BANCORP
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
A 1-2-3 Rewards debit card issued through Kroger by US Bank was cracked again. This time the card was hacked for about {$120.00}. This is the second time this has happened in the last year. 

Last time it took their XXXX division months to resolve the issue. I was told I would receive a refund, but I never did. I called them several times about the refund but only got jack around by customer service. 

After I complained about the compromised card this time, I was locked out of my account. 1-2-3 Rewards customer service is usually rude, they act like they do n't care, and have hinted in the past that the result of the hacking was my fault. That is a preposterous notion! 

I have lost confidence in these people, they did n't resolve the problem in the past, and they were not willing to work it out. I hardly heard from them. 

I would like a full refund of the amount that was on the card before the hacker ( s ) made an unauthorized charge to the card, and then I want to close the card permanently. 

I was a good customer, for a long time, but I can see that they do n't value good customers. I have little faith that I will ever re-coop the funds that where electronically stolen form my 1-2-3 rewards card backed by US Bank, so I will be a good citizen and inform the authorities. 

I trusted Kroger with my funds, they let me down ; therefore the breach in security was not my fault. This happens everyday to people. Gradually, day-by-day, consumers will abandoned credit cards, because they will be tired of getting ripped-off by cyber criminals. 

Avoid all prepaid credit cards!!! BEWARE!!

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 2023-06-30
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My bank, Chase, charges a fee if I wish to put a block on my checking account to prevent ACH debits. I believe this service should be available without a fee.

Consumers have no control over ACH debits ; they are initiated by merchants and institutions, and automatically put into effect by banks. There are no safeguards to prevent unauthorized debits, even substantial ones.

Increasingly vendors are requiring that I enable ACH debits ; if I don't I am charged substantial fees. The problem is, once I enable ACH debits and provide my account information, they can be difficult to stop.

I should have control over which merchants or institutions are allowed by my bank to debit my account, and there should be no charge for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit 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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 and TransUnion all have been inaccurately reporting inaccurate info on my credit reports from the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Several attempts to have them fix the have been made and collectively they all have replied similarly : " the info on your credit report is accurate and been verified ''. The fact that these XXXX companies along with the XXXX credit bureaus have reported inaccuracies for the past XXXX years has cost me and my family greatly and they have no shame about it.

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 2023-06-30
Company: Velocity Portfolio Group
State: PA
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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