BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-25
Company: PNC Bank N.A.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owned a XXXX  XXXX, which was heavily affected by the Covid-19 shutdown which took place across the country and I counted myself very fortunate to have the opportunity to receive a Payroll Protection Loan . I opted to apply through my regular business and personal banking partner, PNC. 
Shortly after receiving my PPP funds, I was approached with a generous offer to sell XXXX XXXX. The buyers were looking to take advantage of another program through the SBA, approved by congress, which allowed for forgiveness of 6 months of loan payments on any 7 ( a ) SBA loan, provided that the loan closes by mid XX/XX/2020. Having the PPP loan still outstanding, I requested with PNC that I be permitted to place the full amount of the loan in escrow after closing of the sale of the business in order to allow for additional time required to apply for and get a determination of loan forgiveness. For about a month I went round and round with PNC with them ultimately telling me that my options were to pay the loan off, wait to close until after it was forgiven, or dont sell the business. I checked with other banks, one of which is the largest SBA lender in the country, and they all said escrow was an option at their banks in an instance like this. 
So I was faced with a decision : Do I sell the business or not? I chose to sell the business and therefore paid off the full amount of the PPP loan ( {$100000.00} ) plus interest of a little over {$300.00}. I did this in the hopes that even though it was paid off, PNC would still allow me to apply for forgiveness in the spirit of the intention of the law and the program it created whereas congress expressed that if small businesses took this money and used it to pay their employees to avoid catastrophic economic consequences, they would be given an opportunity to have the loan forgiven. This has not been the case. 
For over a year, I have been attempting to communicate with PNC about applying for forgiveness. They did NOTHING to help me. I feel like PNC forced my hand in paying off the loan and now theyre penalizing me for it, even though it was the clear intention of the United States Congress for me to get this money and use it to help my XXXX and its workers. 
I implore you help me in any way that you can. I did not sell my XXXX  for XXXX  of dollars. I am not retired. I took advantage of an opportunity to sell this company so that I could move on to a less recession-exposed venture and not go broke. I used the PPP funds per the law and subsequent interim final rules to keep the company viable and to keep my staff solvent. This $ XXXX is not an inconsequential amount of money for me or my family.I want PNC held to account. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023 Wells Fargo sent my credit card balance of {$1600.00} to XXXX, XXXX and XXXX. I pay off my credit card each month and I never had an outstanding balance. 
My credit limit on this credit card is {$8500.00} and my current outstanding balance is {$0.00}. Due to Wells Fargo careless action I received a notice from XXXX saying they reduced my FICO score by XXXX points due to a high balance. 

From Wells Fargo to XXXX, XXXX and XXXX Your WELLS FARGO BANK account balance increased to {$1600.00}. 
Your balance is the amount that you owe on an account. A high balance may have a negative impact on your Credit Score. 

Resulting action from XXXX XX/XX/2023 Your XXXX  Score has decreased by XXXX points. 
Your XXXX  Score has decreased XXXX points to XXXX. Even though your XXXX  Score went down, your Credit Rating did not so it should not impact your credit worthiness.

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 2021-10-25
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, XXXX XXXX XXXX  XXXX  put debt on my credit, I never received a letter to clear it up, I have never seen what the charges are for, I tried to contact CAPSTONE CREDIT & COLL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX. I was employed with XXXX  XXXX  and nobody will get back to me. The property manager is awful, I should have pressed charges against her when she threw a file at me and then XXXX  me. 


I have tried over and over to contact and make a deal with them and nobody will work with me, I am a single mother and do not have much money to spare at all, I really need help with these 2 companies XXXX XXXX, XXXX  XXXX  XXXX  XX/XX/2019 Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: CIBC BANCORP USA INC.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have 2 prepaid Visa cards. the expiration dates on the cards is XX/XX/23. Went to site on the card PREPAIDCARDSTATUS.COM to request the cards to be reissued ( which can be done up to 12 months after expiration ) I get the response " The card you are attempting to access has expired and has passed the eligibility period for access or replacement. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: GA
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2016 ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX, XXXX I have never been associated with this name. I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Current Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Employers : XXXX I have never worked for this company.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Employers : XXXX XXXX XXXX I have never worked for this company.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please Remove the fraud alert from XXXX, XXXX, Experian immediately annul all inaccurate information on my consumer report.s. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX, XXXX, TX XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate! 
I look forward to your written response confirming your compliance on this matter as well as an updated credit report. 
Sincerely, XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Around XX/XX/2021 I opened a PayPal account to sell XXXX XXXX on another outlet other than only XXXX. On XX/XX/2021 at XXXX XXXX  I received an email from Paypal stating that I could no longer use Paypal because I violated the acceptable use policy. I called them on XX/XX/2021 regarding that issue asking for an explanation as to what part of the acceptable use policy I violated. The customer service representative could not give me any explanation, stating how I'm supposed to get a call or email within 24 hours regarding the issue, and how after 180 days I will receive my funds. I waited until the XXXX, over 24 hours, and did not get an email or call so I called them back. I spoke with a customer service representative who told me nothing can be done and that my account will remain limited, also not telling me what I did wrong to violate the acceptable use policy. I repeatedly asked to speak to a supervisor about the issue until I was transferred. The supervisor repeated the same thing that the customer service representative did. I asked to speak to a manager or someone above him about my issue. He refused repeatedly, stating that they wont do anything and will tell me the same information. After back & forth for a while he finally transferred me to a manager. I mentioned about filing a complaint if my issue is not resolved or if I'm not told what I had violated. They opened a ticket on my behalf to re-evaluate my account and told me they would get back to me within 24 hours. Two days later, XX/XX/XXXX, I hadn't received an email regarding my ticket being opened or looked at, so I called again. The representative told me that the team who works on that issue isn't open on weekends so I should hear back some time on Monday. Today, Monday, XX/XX/XXXX, I receive an email exactly XXXX XXXX, 23 minutes after its technically " Monday '', that my account will remain limited due to an Acceptable Use Policy violation. They still had not told me what I did incorrectly to violate their policy. I call them back today, the XXXX, regarding this and told them about how I will be filing a complaint so they're aware, because I know I have not violated the policy or been told what they think I've done. I told them what I use my Paypal for ( selling XXXX XXXX  ), as well as they had asked if I had another account. I told them I used to use an account with my girlfriend where I sold the same items occasionally, and had made this single account because I wanted it under my business name, as well as I didn't want my girlfriends account to reach the selling threshold that would make her receive a 1099k under her legal name, for sales that were not hers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: GA
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:
There is incorrect information 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 2023-08-12
Company: Experian Information Solutions Inc.
State: AZ
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2018-02-14
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to the change in US tax law, I has requested that Mr. Cooper paid the 2nd installment of property taxes from my escrow account prior to year end XX/XX/2017. I was informed by customer service rep that Mr. Cooper would be paying those taxes for all CA residents. When it was apparent I was lied to by Mr. Cooper reps I went ahead and paid those taxes directly. 

I was given instructions to email a copy of the paid taxes and a brief note requested a reimbursement, which I did the first week of XX/XX/XXXX. After more than a half dozen calls to the customer service department, which has absolutely no idea what they are doing and simply resort to lies to appease the customer, they can not tell me when I will receive the reimbursement from my escrow account. 

I have talked to multiple reps and supervisors including more recently, XXXX XXXX and XXXX XXXX in Texas.They have been useless and unequipped to resolve a very simple matter. 

Mr. Cooper needs to reimburse me {$3600.00} from my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On numerous occasions over the past six months, beginning XX/XX/2021, I've attempted to contact Equifax to get personal information and unauthorized inquires removed from my profile with them. I am repeatedly ignored. 
Per the FCRA, only accurate and updated information is to be on any consumer report. I've sent letters and I've tried to call. Equifax refuses to comply with FCRA guidelines and is violating my consumer rights. 
First, they have an inaccurate address listed that they refuse to remove even though I've sent proof of what my address is. Second, they refuses to remove the personal 'statement ' they've placed on my file even though I did not ask or authorize said statement. 
Third, they refuse to remove the inquiries I've addressed even when I've sent them copy of FTC report and copy of corresponding FCRA section that pertains to removing unauthorized inquiries. In fact, instead of removing the inquiries they placed a fraud alert/freeze on my report that I did not ask for or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had a Target card since 2015 and has never missed a payment with Target. I also have many other cards on my credit report with a 100 % payment history. Target XXXX recently reduced my credit limit from XXXX to XXXX, when I called to inquire, the response was it was the credit bureau decision. Most recent Target XXXX decreased my credit limit again this time to {$900.00} which was a huge impact on my credit report impacting my credit utilization ratio. Target XXXX is not able to provide me with a reason why they are constantly decreasing my credit limits even though I have no missed payments. I work for XXXX as a XXXX making well over XXXX yearly and I dont understand why my credit limit is being decreased as well as no one can explain why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On or about XX/XX/XXXX- Capital One Bank made a hard pull of my credit without consent or application for a " XXXX '' card product in my name. I was alerted to the situation via XXXX and XXXX credit monitoring to which I subscribe. 

I contacted the bank and reported to them that I did not make application for the card. Bank representative asks several questions in regards to whether I was sure it was not me, I confirm it was not myself and report to them that the application must be fraudulent. 

The bank representative agrees and states that the account will not be created and no card will be mailed and the bank will rescind the credit pull with the credit bureaus to correct any negative effects on my credit. 

I begin to ask several questions about who could have applied for this card or where it was being shipped. The bank representative has no answers only stating that the account will not be activated so there is nothing more that needs to be done. 

I then report to all credit bureaus a fraud alert on my identity on XX/XX/XXXX. 

On XX/XX/XXXX I receive a Capital One XXXX card in the mail, to my home residence, with my name on it. 

As of today, XX/XX/XXXX, the credit pull inquiry from Capital One Bank still exists on my credit report for all bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
Company: Foris DAX, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I purchased {$50.00} worth of XXXX coin in XXXX of 2021. On XX/XX/XXXX my coin was withdrawn from my account. I reached out to Crypto.com that night when I realized that my coin was gone. For the next XXXX weeks I tried to get information regarding the missing coin. The only way to speak to someone is through live chat and this can be a daunting task with slow turn around times. Their customer service had me change my email and passcode after I reported the issue. 

Nevertheless, I finally was able to find someone who looked into my issue on XX/XX/XXXX. She said that they had there " people '' look into it, after they were done with their investigation they said there was nothing strange about the transaction. They claim it was gross negligence on my part. I never authorized a withdraw, I was never informed via email that a withdraw was taking place. None of my personal information was EVER shared with anyone, not my passcode or email. The rep told me that a confirmation was sent to my email, when I asked what email they sent it to, she could not tell me. I told her which email I started my account with, but she could not help me. I did check my emails and I never received any correspondence regarding a withdraw. The amount of money that was taken was actually less than my initial deposit. 

Later in the conversation a supervisor stated that she just received feedback and gave me the email I started up my account. This was after I had already shared that information with the first customer service rep. Nothing about this process was professional or legitimate

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 2022-12-01
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I ordered a pair of diamond earrings from XXXX XXXX online on XX/XX/2022. The earrings were to be delivered via XXXX on XX/XX/2022, I was not home to receive or sign for the package. XXXX dropped my package off at the XXXX for pickup on XX/XX/2022. I went to the XXXX location on the XX/XX/2022 to pickup my package and upon inspection I could see that my package had been vandalized. I took pictures of the package at the XXXX location and told the XXXX representative that I will not accept the package because it was clear it had been vandalized. I contacted XXXX XXXX and XXXX via email. I emailed XXXX XXXX and XXXX the pictures that I took. I received a email from XXXX XXXX on XX/XX/2022 that I would receive a full refund within XXXX business days. As of XX/XX/2022, I have yet to receive my refund and now XXXX getting the run around.

Company response to consumer: Closed with monetary relief