BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: Mammoth Tech, Inc.
State: NY
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:
I had student loans that I defaulted on. I was rehabbing the loans as of XXXX with Credit Adjustments , Inc. as the servicer. When the pandemic hit in XXXX, there was a freeze on all student loan payments. The federal government also gave a " fresh start '' to all student loans. ( See : XXXX XXXX XXXX ) " This includes allowing all borrowers with paused loans to receive a fresh start on repayment by eliminating the impact of delinquency and default and allowing them to reenter repayment in good standing. '' Despite this, the servicer continued to report the loans as " In Collections '' with derogatory reports to all credit reporting agencies during XXXX, XXXX, and XXXX. In XXXX, I consolidated my loans, but the old loan accounts from the Dept of Education still show derogatory marks for the time during the XXXX pause. 

I've been unable to get anything done by the Dept of Ed or any other agency, as I just want the derogatory credit remarks removed from my reports. The credit reporting bureaus are aware of the loan repayment pause and should not have been reporting derogatory marks onto student loans accounts during this time. 

Thank you, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have the situation with credit agencies reporting information that is not mine and it is affecting me. 
This account is not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognizes this debts. Please corroborate and fix instantly

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have submitted request to Transunion for an updated credit report XX/XX/2021. Transunion submitted a credit report to me at my request. However when I contested all the inquiry especially the bankruptcy they refused to assist me and demanded that I re-supply documentation for identification in order to even investigate the inquiry. The bankruptcy should had not been reported, I had not given my 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 non-monetary relief
Consumer complaint received 2021-11-30
Company: FAIR COLLECTIONS & OUTSOURCING, 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: Investigation took more than 30 days

Complaint:
I don't have a contract with a binding agreement with and this is inaccurately reporting to. Submitted more than XXXX days ago and they failed provide physical proof of this XXXX XXXX XXXXXXXX Fair Collections # XXXX The following items where also on report and I did not give authorization for the following to pull or access credit and I have contacted the reporting agencies on this matter and nothing has been resolved. 

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

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 2019-03-24
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Following an over 30 minute arguing with a customer service representative to have them give me a monthly " Travel Authorization '' (!!?? ) to be able to use my XXXX 's XXXX, issued by Synchrony Bank, away from my principal residence, on my winter location, I paid the balance in my account and requested them to cancel the credit card which had accumulated a {$130.00} Cash Back Balance. The bank refuses to reimburse me my earned Cash Back reward.

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 2023-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I had applied for Savor One card through Capital One. There were the venture card and quicksilver. Also available for 0 % balance transfer for 15 months as well. I activated the card when received XX/XX/XXXX promotions should have been activated yesterday XX/XX/XXXX and I am still being denied the 0 % balance transfer for 15 months. They are not budging on the promotion and keep telling me that it is a 30.49 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PNC Bank has decided not to do business with me. This is fine. They are a XXXX bank with XXXX people doing XXXX things. PNC is a horrible bank and always has been in my experience. I would hope we could just all move on and go our separate ways. 

While PNC has force closed my heritage demand deposit and credit accounts that were in good standing for over XXXX  years, PNC continues to retain my mortgage note. I am required to send monthly payments to this horrible institution. Instead of acting like a grown up and selling my mortgage to another processing company PNC has made the decision to hold my loan. 

It is no surprise to me that PNC would like to make money where they can knowing that I am a good credit risk ; never the less, the " bank '' ( if you can call this XXXX bag company a bank ) has blocked all my telephone numbers from their systems. That means that PNC is refusing to take my calls. They demand I pay them but refuse to actually help if there is an issue. Believe me, there have been issues. I have all calls with these XXXX  recorded. The have XXXX up since day XXXX of our relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I signed a retainer agreement with law firm for loss mitigation on 1st mortgage with XXXX  XXXX XXXX and second mortgage owned by XXXX  XXXX XXXX acquired through XXXX XXXX  between XXXX and XXXX. XXXX  XXXX XXXX failed to modify our second mortgage and in XX/XX/XXXX offered us a settlement between {$75000.00} and {$78000.00}. We were not able to come up with the cash and in XX/XX/XXXX, XXXX  XXXX XXXX offloaded the mortgage to Planet Home Lending. 
The above information was shared with XXXX XXXX law and they offered to assist. Total payments made to the law firm was {$3100.00} as follows : XXXX XXXX {$490.00}, XX/XX/XXXX {$710.00}, XX/XX/XXXX {$420.00} and XX/XX/XXXX {$1500.00}. 

I requested for document submitted on my behalf by the law firm and the written response they received and they could not provide any of the requested documents. 

Planet Home lending is now threatening to foreclose and force a sale of my home. Documents filed on behalf of Planet Home Lending by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX / {$14000.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX  / {$10000.00} / XX/XX/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 2022-10-04
Company: Experian Information Solutions Inc.
State: LA
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:
I am a victim of true identity fraud. There were XXXX XXXX credit cards opened in my name that I did not authorize and XXXX XXXX inquiries did back to back within same month which is something a real person wouldn't do. There are multiple incorrect accounts reporting on my credit report that I didn't give authorization for or written consent. I have sent out letters in XXXX, XXXX, and XXXX to all credit bureaus ( Experian, XXXX, XXXX ) to fix this matter but each bureau failed to resolve this matter. Experian has failed to remove addresses that are not mine which may be causing the fraud to continue to happen as well. I have also requested for each bureau to update my phone number on my fraud alert but they each failed to do so. I am very livid that I continue to be a fraud victim, have my rights violated, and my credit report ruin because of the credit bureaus giving access to my credit file because of system breaches the credit bureaus ( Experian, XXXX, XXXX ) keep having and miss reporting information to my file.

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 2021-01-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After a having a look at my recent credit report I noticed that TRANSUNION, XXXX  XXXX XXXX  are reporting I was late paying my XXXX credit card ( XXXX - XXXX XXXX ) for the month of XXXX and XXXX. There is also a report of me being late on my XXXX XXXX credit card ( XXXX ) on XXXX. I have always paid these accounts on time and I have never been late! If anything there is a chance that my payments did not clear by the statement date and if I was late, with the pandemic and lots going on with my family 's health, I innocently forgot to make a payment. 

I've never received a reminder for my payment or any notifications for a past due amount which I was unaware of. I also tried to reach out to the creditors mentioned above to rectify my concerns but was unable to to get in contact by phone or mail. I also sent dispute letters to the credit reporting agency and received no response so I had no other choice but to file a dispute with the CFPB. 

This is such a disappointment in our credit system that the bureaus will treat consumers like this, even with the pandemic going on, I expected some sort of system in place. I have a family to provide for and need a loan to help pay for our basic human necessities

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 2021-07-15
Company: BANK OF THE WEST
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On or about XX/XX/2021 I was notified by BANK OF THE WEST that I was being charged {$70.00} for two overdrafts on my account. The amounts were XXXX CENTS and XXXX CENTS. I was charged {$35.00} for each transactions and neither was paid by BANK OF THE WEST. Both amounts were deposited and were suppose to be withdrawn for verification of my account for XXXX. This is a new account with BANK OF THE WEST and I was trying to link other accounts to the BANK OF THE WEST account, only to be charged {$70.00} for an overdraft of less {$1.00}. I was notified by XXXX that the transaction has gone through, but once I checked my account it appeared BANK OF THE WEST reversed that transaction in an attempt to charge the overdraft fee of {$70.00} for two withdrawals for less than {$1.00}.

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 monetary relief
Consumer complaint received 2023-09-01
Company: AMERICAN EXPRESS COMPANY
State: PR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
American Express Company continues to engage in a recurrent and maliciously intended practice of sabotaging the mailbox of XXXX XXXX XXXX XXXX with unwanted, unrequested, and unwelcomed marketing material about their products and services. American Express Company was informed that all of XXXX XXXX XXXX XXXX members and owners have already submitted their information to XXXX, has requested XXXX XXXX XXXX to inform any financial institution service provider to not send any sort of promotional material, and American Express Company was even informed by letter and phone call to Cease and Desist of this practice ; American Express Company has ignore all requests and continues with their sabotaging practices. 

I am humbly requesting the agency to assume jurisdiction, and to reach any other stakeholders needed to address these malicious practices. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We closed a refinance mortgage and 1st is we didnt recieve any copies of the loan papers 2nd we signed and auto withdraw with the same bank ( Regions ) but they stated we didnt but no copies of documents 3rd they stated they sent billing statements which we never received 4th only correspondence we recieved was was a notice they sent lack of payment to credit companies 5th we tried to fix with them and they denied any cupibility which again no documents 6th when recieved notice called and paid up to date and filled out anto draft document 7th they stated they called us but never left message because our phone said a scam call

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 2019-03-24
Company: Experian Information Solutions Inc.
State: TN
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:
After several attempts to rectify the situation and supported documents, Experian refuses to change to report. Most of which have " ND '' which means NO DATA?

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 2018-10-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This complaint is in regards to overdraft fees associated with an RBS Citizens Bank checking account. I have already tried coming to a resolution directly with RBS Citizens Bank, but was unable to resolve the issue.

I have previously confirmed directly with RBS Citizens Bank phone representatives and multiple bank tellers that RBS Citizens Bank 's checking account overdraft policy is that if any account becomes overdrawn on a business day, as long as the account holder makes a deposit or transfer into the overdrawn account by/or before XXXX EST on the day the account became overdrawn, an overdraft fee would not be charged. 

After reviewing my account statements, there are a total of 12 overdraft fees, at {$35.00} each, that RBS Citizens Bank has assessed to this checking account.

All 12 of these fees were charged on transactions that overdrew the checking account, but the account balance was brought into a positive balance, by a deposit being made, prior to XXXX XXXX on the day of the overdraft. 

By Citizens Bank 's overdraft policy, there should not have been {$35.00} overdraft fees assessed for these transactions. 

I have attempted numerous times to resolve this with RBS Citizens Bank  phone support representatives. Their standard reply is that they can not reverse overdraft fees. I have replied that I am not looking for a valid overdraft fee to be reversed, that the fees were not correctly assessed by RBS Citizens Bank. Unfortunately, I have been unable to resolve it directly with RBS Citizens Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-07
Company: TMX Finance LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a Title loan in XX/XX/2023. Titlemax broke the loan into 2 parts. 1 part was a title loan and the second part was a flex loan. Both were {$2500.00} loans. I have made payments that started in XX/XX/2023 on the XXXX of the month ( Title loan ) and the XXXX of the month ( Flex loan ). Each month all payments have been made on time! Starting friday the XXXX day of XXXX Titlemax website has been down and the Titlemax cell phone app as well. Attached documents reflect that! I called the local office on XXXX XXXX to let them know the issue. On XX/XX/XXXX, I called the local office and ask why it was not fixed. I got a song and dance answer ... '' Our office is having issues as well ''. I can't view my account or make a payment using either the website or the cell app. The office suggested I pay over the phone. I asked " when will i get a receipt? '' Response was they will snail mail it to me. I have followed these payments for the past 3 months and I can not and do not have the ability to pay this loan off with the interest rates and fees that they are charging me. I am currently on Social security and have a limited fixed income. The interest rates were never discussed at the office when the loans were finalized. My flex loan monthly payments have actually risen each month and I have documentation to reinforce my allegations. How is that possible when I have made my past 2 payments on time. I was told the first 3 payments of each loan would be mostly fees and interest.3 % of the payment would be applied to the principal! Why is my loan payments rising each month of the flex loan if I am making payments on time? 
I would like to speak with someone about this matter. I called the local office again at XXXX on XX/XX/XXXX and got yelled at and told that she couldn't help me with the website issue and I asked for her district or regional/district mgr and she stated that could not give out that information and I responded well have them call me. Then she raised her voice and said that she didnt have time to mess with this and i responded dont talk to me that way, ,I will take it up with corporate and that I was done talking to her XXXX XXXX and hung up .I then called corporate office and got a no operator response and for me to leave a number and they would call me back., I am seeing a pattern of bad business practices and I feel I have been taken advantage of. Plz call me and discuss this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/XXXX, I received a renewal letter for my renter 's policy from my insurance company, XXXX XXXX XXXX - Underwritten by : XXXX XXXX XXXX XX/XX/XXXXXXXX. I have had this same policy across multiple addresses over the past five years with the rate remaining the same. In fact, the newest address that was covered under this policy, saw a reduction in the policy premium for XXXX. However, within this renewal, my yearly policy premium went from {$250.00} to {$320.00} - a 26.5 % increase. I called XXXX on XX/XX/XXXX to inquire about the drastic change in premium. I spoke with XXXX, who at first claimed it was because of the address change. However, when I informed her that there was actually a credit to my account with the new address, she told me it was due to the " consumer report information. '' XXXX directed me to call Trans Union Corporation, Consumer Relations - East at XXXX to receive a copy of the same report they based their increase in premiums on. Later the same day on XX/XX/XXXX, I called Trans Union and spoke with XXXX. I asked XXXX for the report that XXXX pulled. He assured me that I would receive the same copy that XXXX pulled on XX/XX/XXXX. However, when I received the report on XX/XX/XXXX, it was dated XX/XX/XXXX - the date when I called and spoke with XXXX. I then called Trans Union back on XX/XX/XXXX and asked to speak with a supervisor. I was transferred to supervisor, XXXX, who informed me that they could not provide me with the same report that XXXX used in their decision to raise my rates.

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