BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-16
Company: Capio Partners, LLC
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Capio Opened XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Capio Opened XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-31
Company: AMERISAVE MORTGAGE CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My current mortgage loan is a hard money, 2-year term, 12.99 % interest only loan. The term expired XX/XX/21, and I have been trying to refinance this loan into a conventional mortgage with no luck. I applied with Amerisave at the end of XXXX, we went through the whole process, and were ready to close on XX/XX/XXXX. The day before, the underwriters suddenly decided they needed information on the current lender, which I gave them. They've been asking for more and more information, which I have given them, but they still have yet to approve my loan, despite the fact I have proven to them that I can pay the mortgage I am requesting from them ( about half of what I have currently been paying ), and I have shown them that I fulfilled all the terms of the current loan agreement, except for paying off the balloon payment, which I obviously can't do until I refinance the loan.

I believe that the information Amerisave 's underwriters continue to request is excessive and unnecessary, and I expressed my frustration to the XXXX. He agreed with me that it seemed unfair, and he mentioned that they had treated other clients like this, even encouraging clients to not make mortgage payments, etc. 

In my opinion, I have given them the information they need to approve this loan, and I don't understand why they are stalling and not allowing this loan to close. They are spending way too much time focusing on the hard money loan that is done now and ready to be paid off, but I can't do it while they continue to come up with things to delay the closing. It seems to me at this point they are just creating reasons not to close this loan, even though I have given them everything they have asked for. 

What I would like is to for CFPB to push Amerisave to go ahead and approve this mortgage so I can pay off the loan that expired 4 months ago and move forward with my life. We were supposed to close weeks ago, and I have given them the information they requested. There is no need for further delays on this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: PNC Bank N.A.
State: AL
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:
Pnc banking the statement XXXX amount for XX/XX/2023 I made a payment on the XX/XX/2023 XX/XX/2023 they charged me a late on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} ; US DEPT ED XXXX XXXX : {$320.00} ; US DEPT ED XXXX XXXX : {$560.00} ; US DEPT ED XXXX XXXX XXXX {$1200.00} ; US DEPT ED XXXX XXXX : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; TRELLIS COMPANY XXXX Balance : {$2200.00} ; XXXX XXXX XXXXXXXX Balance : {$6700.00} ; XXXX XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX Balance : {$300.00} XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX TO XX/XX/XXXX ; XXXX XXXX XXXX CO XX/XX/XXXX ; XXXXXXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-12-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit bureaus continue to report my payment history inaccurately after several attempts to get them to correct it. I have sent several disputes and complained over the phone several times. 
The accounts are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 non-monetary relief
Consumer complaint received 2018-09-05
Company: EQUIFAX, INC.
State: GA
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:
The number of times missed which is being submitted on my credit report appears inaccurate and or misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
MOHELA denied my request to continue on an Income Driven Repayment Plan ( IDR ) for my federal student loan, a requirement for the Public Service Loan Forgiveness program I am currently enrolled in. They sent me this denial at XXXX Central Standard Time , to which I jumped on the phone to call them about it at approximately XXXX, only 10 minutes after it was sent. The denial stated, to inquiry or fix the denial, you must call the number on the form, so I did. At present I am still on hold with them at XXXX, over 2 hours later, without having spoken to anyone except the person who transferred me in the first 5 minutes of the call. They take calls until XXXX this evening, but I fear my call will not be taken before they shut off. I can not spend 2+ hours of my day during the day or as I have seen some people say, up to 5 hours, waiting for someone at MOHELA to answer my call to fix my loan. If this issue isn't rectified, my PSLF will be in jeopardy and my payments, when they resume, will go up well beyond what I can afford to pay. This is not okay to do to people, especially when we had no choice in the loan service provider we were sent to for being enrolled in the PSLF program. This is not feasible for anyone and should be criminal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Have tried three times to get the information on eliminating PMI. Will not let me get to payoff amount that it takes to no longer be charged that fee. I have been a customer for 12 years and have NEVER been late on a payment. I have called and put on hold all times until they just hang-up. Over 3 hours of my time wasted just on those calls alone. They know that I should not be paying PMI any longer and they keep avoiding me. Also, I have sent two Certified letters asking for that info and all they do is respond with a canned e-mail. Please help, this is not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Williams & Fudge, Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Has been notified twice that I am not the person for the debt they are trying to collect. Repeated calls for another person in which they failed to identify the company they represent and that their intention is to collect a debt. Opt-out specific language was provided and cfpb cease communication letter was mailed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico  has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX in early afternoon ; I deposited a check in the amount of {$470.00} at the atm drive through at PNC Bank on XXXX XXXX XXXX XXXX XXXX, Pa XXXX. 
The atm glitch screen when blank took the check, I hit cancel traction it kept my check and showed on my receipt it deposit check! I went to drive through window spoke to the teller on what had transpired. She asked if I could come which I couldnt due to me on my way to work and didnt get off til after the bank closes. She than suggested I call customer service to handle the problem which I did immediately. The customer service rep credited my account with the funds. A months and half later I get a letter in the mail stating they were deducting {$50.00} due to the amount of the check and the letter also stated I could request proof of documentation of how they determined that amount. So I called them explain everything again & ask for prof of documentation and copy of the actual check. I was 4 different times by several different reps on different calls they couldnt find the check or provide proof of how they determine that amount. I needed to provide proof of the check, I said how if the atm took it before I could even get a copy of the image of the check! I than went to the person who actually wrote the check out to me she went to the bank on XXXX XXXX personally it was denied access to any copy of her cleared written checks for that month! Claimed they do not provide that service she than closed her account which she has been a customer their since 12 years of age. I than went to my local bank in XXXX Pa explain everything ; a request was put in for a rep to call me and I received an email from a XXXX XXXX executive client relations that I would need proof of the check! Exact same runaround but they refused to give proof of the check or documentation on how they came up with that amount!! This so unfair & unlawful practices on their part. I want my money back in my account & apology!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-30
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: Account information incorrect

Complaint:
Fraudulent inquiries and inaccurate account 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 2022-03-30
Company: APPLE RECOVERY SERVICES CORP
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Apple Recovery Services, XXXX XXXX XXXX, XXXX XXXX, IL XXXX on XX/XX/2022. They state in that letter I have to pay them over {$2600.00} for a debt I allegedly have with XXXX XXXX  XXXX XXXX XXXX. The truth of the matter is that I have never had a credit card with XXXX ever. I went into my credit history with all three of our major Credit Bureau 's to find that such a debt does not even exist nor does an account with XXXX XXXX  XXXX XXXX XXXX has ever been opened under my name for that matter. Apple Recovery Services is clearly a SCAM. - Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} ; US DEPT ED XXXX XXXX : {$320.00} ; US DEPT ED XXXX XXXX : {$560.00} ; US DEPT ED XXXX XXXX XXXX {$1200.00} ; US DEPT ED XXXX XXXX : {$640.00} ; 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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-01-11
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My checking accounts at Suntrust Bank here in XXXX, VA were recently subject to bank fraud. On XX/XX/XXXX I received an email there was fraudulent activity on checking account. The attacker used a fake XXXX  account to withdraw small amounts less than {$1.00}. I went into a bank branch and confirmed the activity. They immediately advised me to create a new checking account and move my monies from the old account to a new account.

I was recently subject to the same type of fraud attack on XX/XX/XXXX of my new checking ( XXXX ) that is a month old. A larger amount of {$1500.00} was taken out of my new account. I filed a second claim ( XXXX ) with Suntrust today along with filing a police report ( XXXX ) with the XXXX XXXX, VA Police Department. I would like to have an external resource to investigate this matter to determine if this issue is being caused by an employee of Suntrust. Please feel free to contact me if you have any questions or need ay additional 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 explanation