BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-03
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In less than 2 weeks several problems with this bank : 1 ) charge made from my credit card to put {$25.00} on this account, vs. asking me to deposit. The issue was they " open '' an account but not really, until a payment is made. They didn't indicate that one when you fill out the paperwork. I got the acct approved but apparently they didn't do squat with it until they took money from me. XX/XX/20. 
2 ) XXXX  up the billpay. Acct created on XX/XX/20, but multiple bills before that time went against my account. Refused any straight answer for why this happened. Never would address it. Nor did they address why they took, on the same day ( XX/XX/20 I believe? ) a bill pay scheduled for the future on XX/XX/20 out on XX/XX/20. 
3 ) XXXX  up the account telling me the account was only 2 weeks old ( it was over that ) and refused to tell me WHEN the account wouldn't be considered new ( one person said 30 days but you can't trust anything they say, multiple flip flops on stories given to me were pointed out in conversations ), that they had massive fraud going on from check deposits ( I had a direct deposit from a known local state agency for my check ) and why that was an issue, what other XXXX ups they hadn't done yet, and why I couldnt ' get money from a teller. They also wanted to charge {$10.00} for checks that I was told in the branch that they could print 3 checks a day for free. 
Hiding all this on their XXXX  page.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-09-30
Company: Early Warning Services, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This letter is to notify the management named as Early Warning that your company placed and unauthorized information on my credit report on : Consumer ID : XXXX Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand under FCRA : Section 604 : 1. Permissible Purpose.

2. My original written authorization ( not a copy ). 
3. Proof of signature that I personally initiated this information. 
Either provide me strict proof or DELETE the item immediately. If you do not delete this info within15 days I will take legal action. Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter. If you ignore this letter and do not delete the info or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 

You do not have permission to have or make any consumer account with any of my info such as Name, Phone, Email, Social Security, Passport, Drivers License, ID numbers, Address, Date of Birth * Permanently Delete my consumer account from your database and prevent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: TapTap Send Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Date : XXXX XXXX XXXX am XXXX USD I try to transfer money to my account in the philippines but the transaction doesn't went well successful.It has been XXXX and I did not receive it its still pending.The customer service kepts on telling me that there is a technical issue. But when I try to send money again to check if there is really a problem it went well successfully.There delaying my transaction.The agents thay they have is not helping me.They couldnt even give me a clear answer and solution to my problem.I ask for a refund but they could not give ot back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: HW Holding, Inc
State: KS
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXXXXXX  I received two letters by mail from a collections company named XXXX XXXX , XXXX in which they claimed I owe the amount of {$5800.00} to them. This letter included my actual residential address and my legal name. On the other hand, the other letter contains the name of : XXXX XXXX with the same address as me. This person does NOT reside in my address nor I have any relation with, and I do NOT owe any amount of money to them. In XX/XX/XXXX, just 30 days after I receive this first communication from them, I sent a Debt Validation Letter asking them for validation, information, and competent evidence in regards that I owe them that amount, and also a Cease and Desist request to stop them trying to communicate with me by phone and only by mail. 
They received my Debt Validation Letter on XX/XX/XXXXXXXX  as my tracking number from USPS stated, given that I sent my letter with Priority Mail for evidence reasons. As of today, I have not received any evidence of dismissal of the debt but a negative credit report on my XXXX credit bureau yesterday, Thursday XX/XX/XXXX. I tried to contacted them yesterday by phone and they refuse to talk to me because I need authorize that again ( Cease and Desist requested for me ) but indirectly telling me that they indeed received my letter and obey my request, but fail to prove that debt belongs to me. The name of the representatives that I spoke to are XXXX XXXX and XXXX XXXX from Hunter Warfield , Inc . I filed a dispute to XXXX yesterday XX/XX/XXXXXXXX  and provide them with some evidence that I have and looking to have them remove out of my credit report and repair the damages they have done to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: NY
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 HAVE THIS INCORRECT INFORMATION THAT I DON'T WANT, YOU CAN REVIEW AND REMOVE THIS FROM MY REPORT I DON'T WANT IT 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

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Unfair business Practices never let me establish a line of credit for my business

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 2019-01-24
Company: RoundPoint Mortgage Servicing LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/18, I received an escrow analysis from Round Point Mortgage ( RPM ) that my mortgage payment will increase by {$380.00} due to a shortfall in my escrow balance. I quickly wrote RPM a letter on XX/XX/18 stating the discrepancy in the tax figure ( {$4100.00} vs {$1900.00} ) used and why there shouldnt be a need for my mortgage payment to increase as I should have just enough in my escrow. I requested for another escrow analysis on my account. 

When the second escrow analysis arrived in the mail dated XX/XX/18, my payment was reduced with a wrong tax figure used form a wrong property address while RPM sent me a check for {$1300.00} for a surplus. After several attempts of not getting through to their employee over the phone, I wrote another letter sending back the check on XX/XX/18. More specifically asking why my mortgage payment was left increased but I am receiving a check for surplus. Meanwhile, I was paying extra every month to pay down my principal. So, the extra $ XXXX I paid was applied to escrow instead of principal for my XXXX payment. 

Conducting a third escrow analysis, the new payment figure ( {$2400.00} ) RPM sent me was not the same as what was showing ( {$2500.00} ) on my account online. Furthermore, I was sent another check for {$500.00}. A representative called me prior to receiving the check that the check was sent in error and I shouldnt cash the check. Upon receiving the third escrow analysis and the check, when I called a rep over the phone, I was told to cash the check but no explanation was given to why there is a discrepancy in payment amount from what the escrow analysis statement showed versus what is shown online on my account. 

I have requested RPM to use the extra amount of {$380.00} applied to my escrow for my XXXX payment to pay down my and reduce my principal balance as well as a details on why there is a discrepancy in payment amount. I have once again returned the check for {$500.00} and demanded that my mortgage payment shouldnt change nor should I be receiving a check. 

Furthermore, RPM is still yet to give me a reason why my escrow balance is different when my loan was transferred to them versus what was on my closing statement when I bought the property. It seems RPM and her employees can not conduct an accurate escrow analysis nor are they fit to be a mortgage servicer. I am tired of talking to incompetent employees from RPM nor an Assistant Vice President who is sending me a wrong tax bill for a different property while trying to explain my dilemma.

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 2019-01-24
Company: SECURITY FINANCE CORP
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
my father has a loan with XXXX XXXX in XXXX okla. he listed me as a reference.. my father has already started the process of bankruptcy and has already made pymnt to attorney for retainer. this company continues to call and harass him and now calls me once a week even though contact has already been made with me several times.. i told the store manager today to stop calling me and she was rude to me telling me he put me as a reference and she has the right to call me when i told her to stop calling me and that she knows he is filing bankruptcy and to continue to call me is harassment she told me that it was not harassment to call me every 10 days i then told her not to call me again and hung up on her.. this company is known for harassing customers and their family for payment.

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 2023-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged about XXXX from an eyewear store. This was not me. I was not present. I was also charged a large charge on XXXX rental car ( about XXXX ). Again this was not me. 

The credit card company isnt resolving the charges. Instead they have told me I must investigate this myself. 

I am not a detective. I was literally not present at these locations. I have had this card for years with no issues. 

For them to refuse to resolve these charges ( approx {$7000.00} ) and demand that I investigate on my own is not proper for a credit card company that I trust to do the bare minimum in protecting me from obvious fraud. 

I reported fraud last month, canceled the card and was issued a new one and they still accepted fraudulent charges only a few weeks later. 

I can not be expected to go investigate this myself. They say the credit card was present at these transactions. Well maybe someone stole the card from my mailbox? I have no idea - but a huge credit card company ( Capital One ) should not be telling me to do my own investigating. They should refund me and then go about retrieving the funds themselves. They are a XXXX dollar organization. I have work and responsibilities to attend to. They need to give me my money back. 

In the meantime, to add insult to injury theyre charging me interest etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I opened the account two years ago and its been over drafted XXXX since then

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 2023-10-08
Company: EQUIFAX, INC.
State: MD
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 writing to dispute several hard inquiries ( 7 total ) that appear on my Equifax credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my Equifax report IMMEDIATELY, in accordance with my rights under the Fair Credit Reporting Act. Please see attached documents and info. 
XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 following companies have violated my rights with inquiry reporting as follows :XX/XX/XXXXXX/XX/202XX/XX/XXXX 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 an account or inquiry report without written institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: U.S. BANCORP
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I purchased a {$25.00} prepaid debit XXXX  card that is valid through XX/XX/XXXX. I didn't make any purchases with it that I could find or recall or even verify. The balance on it today, XX/XX/XXXX is {$1.00}. 
I contacted the customer service number on the back of the card to get answers as to why my balance is {$1.00}. 
The customer service lady verified my information on my card, put me on hold and told me that she couldn't find any transactions made with the card and said that she didn't have any explanation for the extremely low balance of {$1.00}. 
She apologized and said that she could only go back 2 years to check for any purchases made. I had no way of knowing that the card would not be accurate 2 years after I purchased it especially considering that the expiration date on it clearly shows that it's valid through XX/XX/XXXX. 
Therefore I lost all of the money that I applied to the card including the fees and taxes when making the purchase just to find out that the card had been drained down to a useless account of money later. The customer service lady had no actual solution, apologized and said that there was nothing she could do to help.

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 2019-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has been calling my family members, work cell phone, leaving messages and telling family members they are trying to contact me. When i ask for a certified copy of any paperwork they say tthey will only email me they will not provide me a copy via certified mail. I have provided an updated phone number and they continue to contact family members even after speaking to me and will not stop. They claim it is for a credit card debt with capital one that was supposedly charged off in XX/XX/XXXX. I filed bankruptcy in XX/XX/XXXX and had no record of this debt on credit report. Additionally i have contacted capital one many times and they claim to have no record of the debt. I have asked numerous times for a mailing adress so i can send a cease and desist letter and they wont provide address. Lastly i have been hung up on and had them be extremely rude to me raising voice shouting telling me they arent there to remind me of debt and i need to pay my bills. The ammount they claim owed has changed 4 times since talking to them. I have multiple people who can verify this as they have been in the room with the collector on speaker phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: FL
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:
After checking my credit reports I am writing a second time to inform these companies that they are unlawfully reporting unauthorized inquiries on my consumer report. I have not given you permission to access my credit profile. I also do not have any knowledge of these inquiries that have been unlawfully reported, no accounts or contracts are shown for these inquires as well. I have not initiated any transaction with the following accounts : XXXX XXXX ( Finance ) which have been reported twice without my consent. 
XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Furthermore, I do not have an account as defined. 
under 15 U.S.C. 1693a ( 2 ) with these company 's name for review or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Nelnet, Inc.
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 had my loans transferred to Nelnet from Great Lakes ( not by choice ) and the process has been incredibly frustrating. In XXXX I applied to be switched to the new SAVE plan. It took Nelnet months to deal with that request. On XX/XX/2023 I received a letter from Nelnet saying that because I had applied for the SAVE plan I had been taken off of my IDR plan and entered into a Standard Repayment plan, because I needed to make a one time payment in order to be considered to be switched to the SAVE plan. It looks like Nelnet then switched my auto debit amount to be {$5.00}. The letter Nelnet sent me was incredibly confusing and contradictory. It said I had requested to make a Reduced Payment Forbearance payment rather than a Standard Repayment one time payment, I didn't request anything in fact, but now my account shows Standard Repayment. The letter also said " The one-time Reduced Payment Forbearance payment amount you chose is BLANK. The payment is due on BLANK. '' leaving both the amount and due date blank. I have tried calling and the call center seems entirely shut off, I just get a robot saying " This party is not taking calls right now. '' I sent in an online support request on XX/XX/XXXX asking for clarification and on XX/XX/XXXX Nelnet responded to my email saying " You do need to complete exit counseling from Income Base Plan before we can start the processing for Save Plan. Unfortunately, you would need to speak to a specialist to follow through with the exit counseling, therefore you would need to call within the next 2 business days. They can be reached by calling XXXX. Your outstanding interest will capitalize and add to your principal balance. This may result in higher monthly payments once your account is in a repayment status. '' It is absolutely not true that I need to re-do exit counseling, this is incorrect information Nelnet provided me as a consumer. I called the Call Center immediately, waited on hold for over 3 hours and when I finally spoke to a representative she said I did not need to do any exit counseling, that my request to switch to SAVE was still processing ( months after it was made ), and that they would agree to put me in administrative forbearance ( as they should have originally without me requesting ). However, my account is still showing as " Standard Repayment, '' not SAVE and not an administrative forbearance. I have lost all faith that Nelnet is telling me the truth or managing my account properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: RFNA, LP
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation