BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-08
Company: PNC Bank N.A.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made a payment using PNC bank 's website for an auto loan. There is not option to pay an extra amount to the principal of the loan so I assumed any excess amount would be applied to the principal. I later checked my account and the excess amount was applied as a regular payment. 

I contacted customer service and they said that they would correct the problem. I also asked if there was any way to make additional payments to the loan. They said no, that I would have to contact customer service each time I wanted to make a principal payment online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This Account is not mines it just popped up out nowhere today never seen this account until today I've never opened or done business with the company / business... Please help this is affecting my life, stress, and keeping from taking care of my family affairs. this account is not mines. please remove right away please and thank you. 

Overview You have 100 % left to pay on this collection. 

Balance {$180.00} Highest Balance {$180.00} Opened XXXX. XXXX, 2022 ( 5 mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks No Info Original Creditor Name XXXX XXXX XXXX Closed No Info You could dispute an error with XXXX SEE AN ERROR? 
If there's an error on your report, you can submit a dispute. 

GO TO XXXX Creditor Information AMSHER COLLECTION SE XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) 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 2023-02-25
Company: Io, Inc.
State: VA
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:
Receivable Management System is currently reporting an inaccurate account on my consumer report attempting to collect an invalid balance of {$150.00}. Ive disputed this account Via certified mail and requested debt validation ( see attached file ). Pursuant to 15 USC 1692g, Receivable Management System failed to send me a notice of debt/debt validation and is illegally using my consumer report to advertise a debt in attempt to collect the alleged debt being reported. I have no obligation to pay Receivable Management System and Im demanding them to remove the collection account from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Velocity Portfolio Group
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: Their investigation did not fix an error on your report

Complaint:
CKS PRIME INVESTMENT. I HAVE CONTACTED THIS COMPANY MULTIPLE TIMES IN REGARDS TO THIS ACCOUNT IN THE AMOUNT OF {$640.00}. I HAVE ASKED CKS PRIME INVESTMENTS TO PROVIDE ME WITH A CONTRACT BETWEEN MYSELF AND THEIR COMPANY TO SHOW PROOF OF THIS ACCOUNT. CKS PRIME INVESTMENTS HAS YET TO PROVIDE ME WITH THE REQUESTED INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: JPMORGAN CHASE & CO.
State: TX
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am finalizing a mortgage and XXXX XXXX XXXX ) XXXX from Equifax wont stop calling and texting me. The text number is ( XXXX ) XXXX. He told me that he wanted me to cancel what Im doing and change to their services. I said no thank you, please dont contact me. No thank you. Goodbye. He sent these texts in reply : This is XXXX again ( the guy you just hung up on ) I get why you'd want to hang up so quickly, so I can send you everything over text to show you what XXXX should be offering you so you don't over pay for something you're already doing. How much cash were you looking for and how much do you think the home is worth? 

I replied : Stop. Please dont contact me. 

He sent back : Ok. I'm sorry to hear you're willing to get racked over the coals by XXXX I replied : Do not contact me. 

He came back with : You don't have to leave XXXX but you can at least take the numbers back to them to get a better deal. 

I came back with : Do not contact me. Stop harassing me. Please leave me alone. 

He says : I'm sorry if you felt like this is harassing at all but I was just trying to save you money. I'll get your file withdrawn from my companies system but I can't control the others, so your phone will still be ringing all day. Also, sorry if you banker at XXXX didnt give you the heads up. Have a nice morning. 

I replied : What is your name, name of the company, and phone number? Businesses are legally required to provide this information per fair consumer financial protection law. 

Radio silence. He had nothing to say add or reply to that one. Please ask this guy to leave me alone. Aggressive sales techniques are not endearing and when I block his number he bothers me from another one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX of XXXX, I requested a credit line increase with Chase. It was approved and life went on. I was still able to use and pay off my credit card balance each month. On XX/XX/XXXX, I had a purchase for less than {$10.00} declined by Chase. I called in to see why and found out they had set my credit limit to {$0.00} and further violated federal law by failing to notify me of the adverse credit action. 

Setting my credit limit to {$0.00} affected my credit score as if I had closed a credit account. No one at Chase could or would explain why this happened when they had approved a credit line increase in XXXX. I continued to persist and they finally connected me with their executive office, where I was told it was quite possibly a human keying error when the credit line was being adjusted up. Therefore, Chase basically admitted that they don't have proper financial controls for customers accounts and any person updating credit limits could erroneously set someone's credit limit to {$0.00} or moreover a bad actor could maliciously change customers ' credit limits with zero consequence due to their lack of financial controls to detect these errors. In the least, one would think they would send out notification of the adverse credit action on someone's credit limit - especially in this inflammatory economy where everyday Americans are struggling with the rising cost of living and rely on their credit cards to fill the wage gap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: JPMORGAN CHASE & CO.
State: TX
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:
I have been disputing this account for some time now with JP MORGAN. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My complaint for today is a follow-up to my previous complaint dated XXXX to dispute these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are erroneous and I want them deleted immediately.

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 2023-01-25
Company: Spring Oaks Capital, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I had an account alert on XXXX XXXX for an account in collections, the first time I ever heard of this account. Upon investigation, the account was originally opened on XXXX in XXXX of XXXX, utilizing XXXX XXXX, however, I never opened an account with them. The account was in collections since XX/XX/XXXX for the amount of {$3200.00}. I contacted the collection agency that was listed on my credit report which is Spring Oaks Capital LLC, XXXX XXXX XXXX, XXXX, VA XXXX. The person who opened the account had my birthdate, social security number and full name, so they were able to open the account under my name. However, the contact information XXXX XXXX provided me belonging to the criminal, including a cell phone number and the address XXXX XXXX XXXX XXXX XXXX NY XXXX ( where the items purchased were delivered to ) is not mine, nor have I ever resided there or utilized the phone number or email address they had on file. So I submitted a dispute with them, providing documentation from the FTC, a police complaint number, and a copy of the fraudulent account on my credit report. The dispute unfortunately has been returned and states the company finds the information to be accurate, but I don't see how when this information does not belong to me. I have since contacted them to find out a detailed report of how this account was investigated, however, they now state they sold the account back to the original creditors, XXXX XXXX, but representatives at XXXX deny that and send me back to Spring Oaks. So I can no longer contact anyone regarding this fraudulent activity that is negatively impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: TX
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 submitted a dispute to all 3 credit reporting agencies that this account opportune was paid in full and they have not removed this account off of my report as paid. I have attached the paid in full letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have many fraudulent accounts showing up on my credit report. Collections, charge offs and open accounts. These are holding me back from a lot of opportunities. I need these removed immediately.

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 2021-10-08
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XXXX I was temporarily employed with the Census Bureau and qualified for Income Based payments. On several occasions my income base was XXXX. I worked odd jobs and never was able to pay my students consistently. Later in XXXX, I returned for another temporary position with the Census ( 10 months ). In XXXX, I returned to work for the Census Bureau. I was told I did not qualify for the forgiveness program because I was not a permanent employee ( excepted position ). I worked consistently with the Census and moved for positions and new roles. In XXXX, i qualified for the forgiveness program and submitted an application. Recently ( XX/XX/XXXX ), I recertified my employment as an employee of DOL. A challenge is the amount of the student loans are incorrect. When I was not able to pay and got consolidations and deferments a couple of the servicers double the loans instead of calculating the one loan they counted them two times. I have been trying to explain but no one understand this has been a problem with amounts and the interest is paid on the excessive amounts which makes my loan payments unaffordable. The Servicers : XXXX XXXX, Navient and another servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted my PSLF application. I am supposed to be on automatic forbearance. I called them and they agreed but said they could not put me on an automatic forbearance. They were useless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I submited a Traditional Repayment Plan It has been processing for months now and it is XX/XX/XXXX and still no movement when payment resumes XX/XX/XXXX. 

I called on XX/XX/XXXX and was told it would process that week, I was lied to you by the customer rep. 

I talked to a rep on XX/XX/XXXX still not processed. I can not afford my current payment but would have been able to afford the traditional one but I am now in hardship do to their slow processing times and that they lied to my face to get me off the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Went to close our checking account and was told we were denied until we payed off are loan. Which we never knew about.was told we took out loan of overdraft line of credit we never did that. Back in XXXX they said is when it started. I remember being told by someone at the bank that I can get into a offer that I could put {$20.00} each month in case I would over draw on my account and I thought that was a good idea ( something like a savings account ) never knew about a loan.now XXXX trying to close the account and was told we owed them {$810.00} the interest is ridiculous. Never received nothing all this time not XXXX letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31
Company: Bread Financial Holdings, Inc.
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
I opened this credit card in store in XXXX and never received it until i had called and they told me charges were made. They did a whole refund on everything and a new card was issued. However, I cut the card up immediately after recieving it never used it and yet charges are still being made through this account. Its completely jacked up my credit score and i dont know how else to go about this situation! Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Hello, I tried to reach the Credit Bureaus by letter letting them what to correct on my Credit report, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with 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 2023-02-14
Company: JP RECOVERY SERVICES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a debt collection notice from XXXX. In order to dispute the debt, XXXX required me to create a login and password. It seemed like a scam and I believe I need to be able to communicate without creating a login or password. Unfortunately, XXXX does not put an email address on their website to dispute the debt. Additionally, I don't believe I owe the money they are asking for.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023 I was scammed out of {$170.00} from Wells Fargo Checking but I sent the payment unknowingly being scammed through XXXX. I contacted them immediately trying to get my money back as I was scammed and Wells Fargo is refusing to do so. This is ridiculous as a consumer they wont give my money back knowing I was scammed.

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