BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: NJ
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Please remove from my report any inquiries that do not have an account associated with it. 

I went through a divorce last year and it looks like someone tried to apply for things without my consent. I am not certain that it is replayed to my recent divorce but I know that my ex knows my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Th debt is not mine. I did not authorize the debt. The debt is fraudulent.

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 2021-10-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, PA XXXX Landline : ( XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX XXXX ) attorney, medical release proves fraud they're saying never issue my records to Citizens Bank Hello, Respectively, hear me out ; all my records were without express consent, according to the written letters below. 

XXXX XXXX, Office of the Chairman, CFPB Case Number : XXXX XX/XX/XXXX, Citizens Bank XXXX XXXX Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. No # XXXX. 

XXXX XXXX, the merchant who supplied XXXX XXXX medical and financial records, are those details accurate. 

I received a letter from the Office of the Attorney General. Enclosed was an admission from XXXX XXXX 's attorney XXXX XXXX XXXX - XXXX, XX/XX/XXXX, states they did not provide Citizens Bank with any of my information. If this discovery is true, how would Citizens Bank receive private HIPPA data without permission? Let me be clear ; this has nothing to do with the documents I provided ; that is not what's relevant. 

What's relevant is the message from XXXX XXXX 's attorney that is my concern. Is there any truth to what their attorney disclosed? Who's telling the truth? Although no one believed I have ethics, morals, and integrity, do I want to be reimbursed {$7000.00} for services that were not rendered absolutely? After all, I was there, so who would know better what happened. 

However, this is much weightier than XXXX dollars if the facts you provided are the truth that changes the narrative ; in other words, XXXX XXXX committed an unlawful act by misrepresenting Citizens Bank and XXXX XXXX. XXXX XXXX tainted representation by way of fraud. Fraud is an offense that captures a wide range of conduct. I am not surprised by anything they say or do ; after all, scammers and con artists are significantly good at what they do. 

I look forward to hearing your thoughts concerning this matter. Thank you for your valuable time. 

Sincerely, XXXX XXXX See attachments : Document : Office of Attorney GeneralXXXX Document : XXXX & XXXX XXXX XXXX XXXX XXXX Document : XXXX XXXX, Office of the Chairman, CFPB Case Number : XXXX Document : XX/XX/XXXX, Citizens Bank, Reference Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Ref. No # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
I am unable to use debit cards to load money onto my XXXX rewards debit account. 

I last loaded it with a debit card on XX/XX/27. A few days later I was unable to load it with the same card. I called chase and was told it was a problem with the bank who issued my debit card. I called the issuing bank and they clearly noted the charge was processing fine and chase was reversing it. 

I called Chase again and this time they said it was because the card was being closed and I can no longer load it at all. After we hung up, I was able to load it with my Chase Checking account. 

I called Chase again and was transferred to XXXX because 'they work with the rewards program ' I spoke with a friend on XXXX who was able to load his chase XXXX XXXX card with a debit card without any issue on XXXX. 

I called again on XXXX and this time was told that my card was closed on XX/XX/XXXX, and when I pointed out that I both used and loaded it ( with chase checking ) on XXXX than she said it's being closed in XXXX and she can't help or look into anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
Enclosed is the payment demanded by the most recent invoice I have received to stop the continuous fees being charged. However, I dispute the validity of all the fees charged by Capital One and am seeking a refund of these amounts. 

There was a recent change in the management of the XXXX credit card. The bank associated with the credit card was switched from XXXX XXXX  to Capitol One. I have had an XXXX credit card for many years and have been through previous bank changes. In the past, a new card was issued and a new account and new relationship with the creditor was established. In this case, Capitol One claims they took over my account and are authorized to do so despite no affirmative action on my part. 

I have received extensive correspondence related to my XXXX  card. I read some and understood that I would receive a new credit card and the management was changing. However, most of it was marketing materials and I did not understand that they could cancel my existing automatic payment agreement or begin billing me from a new company before they issued me a new card. I did not realize their expectation was that I would read every letter they sent me spread out over many months. 

In the past week, I received a new credit card and statement from Capitol One saying that I owe {$310.00} and much of it is past due. Looking back through my mail, I found 1 previous statement from Capital one, a letter from Capital One, and the final statement from XXXX Bank. All of these documents appear to contradict one another. I think it is unjustified to charge me late fees based on these unusual circumstances and the conflicting information provided by the credit card companies. 

The XXXX bill from XXXX bank clearly states that the full credit balance of {$100.00} will be paid in full from my bank prior to the due date. A letter from Capital One dated 9 days after the payment date shown on the XXXX bank statement claims that I have a past-due balance of XXXX. The XXXX statement from Capital One dated the day after the XX/XX/XXXX letter says that I have a balance of {$250.00} due XX/XX/XXXX. 

I called Capital One twice on XX/XX/XXXX. This is the first day I realized that Capital One was claiming I owed them money. I had not opened the mail from Capital One that included the statements or the past due claim before then. I spoke to agent XXXX who claimed, after extensive consultation with the account executives that Capital One was not servicing my credit card and I needed to speak to XXXX. After XXXX confirmed that this was incorrect, I called again and spoke to agent XXXX. The information I received from Capital One on these calls was inconsistent. Both of them cautioned me they were seeking to collect a debt and the calls would be recorded. I encourage the consumer protection organizations to review these recordings.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-19
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
My XXXX XXXX daughter had three accounts with PNC, all of which had my wife as a co-account holder. A scam " artist '' reached out to my daughter via social media and convinced her to deposit fraudulent checks " he '' sent to her via email. He also convinced her to " XXXX '' funds to him in the total amount of approximately {$5200.00}, with the promise she would keep some of the deposit for herself. These deposits and transfers occurred from approximately XXXX through XXXX. My daughter 's accounts have since been closed by PNC, which we understand. The deposited checks were determined to be fraudulent yet PNC allowed the XXXX transactions to occur. It would seem the checks should be determined to be valid before a XXXX transfer can ever occur. Even " regular '' deposits ( Including checks written by me to my wife ) take a business day to be officially deposited. 

We filed a compaint with PNC Fraud but have not heard about our case. As a result, my wife 's accounts ( separate from my daughter and only in her name ) have holds on them for amounts of XXXX  ( now XXXX ), XXXX and XXXX. These amounts have also been increased from the original amounts due to fees put on them by PNC. PNC has held the following amounts from my wife 's accounts : XXXX, XXXX and XXXX. 

Of importance to note is we were never notfied about any of this. My wife found out after I deposited money in her account ( XXXX  ) and a debit was rejected ( XXXX XXXX XXXX  ) resulting in us calling PNC. Frankly, this is outrageous conduct by PNC, not only for the lack of notification about held funds, but a total lack of interest in my XXXX XXXX  being a victim of fraud, to the point where we have not heard from, or been able to express what occurred directly to a fraud investigator. We were not even told my daughter 's accounts were closed until we called. When we saw her accounts at XXXX balances, we wrongly assumed the fraud was adjudicated and everything was fine. PNC has the responsibility as described above, to ensure all deposits are valid to prevent the fruad from occurring in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-02-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
there is an active online scam targeting job seekers like myself. While the scammers use different techniques and different social media tools, some common aspect of the scam is to offer a position and send a check to be deposited into the job seekers account. I was lay off from a job XX/XX/2023. XXXX searching for jobs continuously on XXXX. The scammer offer the job position as a XXXX XXXX assistant working remotely. Paying $ XXXX as part time XXXX a or full time XXXX at your own. Excited and accept the offer and a check was sent for an amount of {$3200.00} to be deposit in my bank through email. Mobile deposit the check and got the funds XX/XX/2023. Use the funds to buy equipments for home setup to work at home. XXXX to an owner {$1000.00}. Then bought {$2000.00} money orders from postal office. Was instructed to send money orders to a business to get the equipment process and deliver. XXXX the money orders to the address given. Found out Monday XX/XX/2023 the deposit check was a scam forgery from the bank. Called Wellsfargo XXXX XXXX to file the claim Monday evening XX/XX/2023. I am so depressed that in such a vulnerable state and this happen. I have all emails from this scammers, all communications are documented for proof/evidence if needed from this report. I will provide all evidences for your reference if needed

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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 letter to TransUnion and I asked them to verify the bankruptcy thats on my credit report. I also asked if they can provide supporting documents. They failed to provide me with supporting documents and they did not fixed the problem. They sent me a second letter claiming that I am using a credit repair company. If TransUnion can not show how they verified the bankruptcy on my credit report, I am demanding the I information to be deleted.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
INFORMATION ON MY CREDIT REPORT IS INVALID AND NOT METRO 2 COMPLIANT AND NEEDS TO BE 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 2019-04-03
Company: AES/PHEAA
State: MT
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 finished XXXX school in XXXX of XXXX and began paying my XXXX school loans ( all Federal Direct loans ) in XXXX of XXXX. I am a XXXX XXXX in the Public Service Loan Forgiveness program and thus my servicer is Fedloans. 

In early XXXX I applied for reduced student loan payments based on my income. I selected the 'PAYE ' repayment plan. When Fedloan processed my application on XX/XX/XXXX, they determined that I was not eligible for the PAYE plan. In this situation their procedure is to place the applicant on the plan with the lowest monthly payment that they are eligible for. That plan should have been REPAYE, which caps payments at 10 % of discretionary income. Instead I was placed on IBR, which capped my payments at 15 % of my discretionary income. I have stayed on IBR since then, making my monthly payments. This means I have been paying approximately {$200.00} more per month than I should have. 

I contacted Fedloan by phone today and spoke with XXXX, with the employee ID of XXXX. She acknowledged that they made " a processing error '' and she acknowledged that, on XX/XX/XXXX, the plan with the lowest monthly payment that I was eligible for was REPAYE. She said that she would put me on REPAYE starting today. However she says that it was my responsibility to select the correct repayment plan initially and therefore Fedloan will not refund me the additionally money I paid over those years as a result of being placed on the IBR plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: S&S Physician Services, Inc.
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 with the credit bureaus for sometime now. Each time they would say that Harvest Asssociates would verify the debt. So I took it upon myself to ask Harvest Asssociates for validation of the debt. 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 or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2019-04-06
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage that was bought out by PNC bank ( pnc.com ) PNC does not allow customers who do not have a PNC banking account ( ie only have a mortgage account ) to make extra payments correctly. PNC is using deceptive banking techniques to steal interest from customers. 

Example : Let 's say I have an automated monthly mortgage payment of {$2100.00} ( XXXX principle, XXXX escrow, XXXX interest ) per month. If I use PNC 's website to make an early mortgage payment of {$2300.00}, PNC does not allow you the ability to allocate all XXXX to the principle. PNC will take your money and just pay the next month of mortgage ( effectively allowing PNC to make more interest money off of their customers ). This is due to XXXX not being applied appropriately ( ie it goes to escrows and interest ). PNC deprives customers from immediately having the XXXX lower the monthly interest collected When I called PNC to ask why they don't allow me to allocate the money the way I want they say i have to open a PNC bank account to choose how my money is allocated or I can call every single month and waste 20-30 minutes of my time to have them file a misapplied payment correction. I told them well i would like to request this on my file as a preference so i don't have to call every month. They told me that wasn't possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TransUnion refuses to remove erroneous bankruptcy despite XXXX removing the information.

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: National Credit Systems,Inc.
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 National Credit Systems. 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 or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number 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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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