BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
We closed on a home equity loan. When we went to activate the loan and get a check for the closing on a property we told the teller that we wanted to lock in a fixed rate. She gave us the rates that day and we selected 20 years fixed. The check was issued and sent. We thought we were done. 
The first few months the bills came and were what we expected. The next month the amount went up. I asked the bank about it and she said you must have read the wrong line and over paid. The next month the mortgage payment was way higher. I went in to the bank. She looked up the loan and she said you have an adjustable rate. I said youre wrong I told them it is a fixed rate. The manager looked up paperwork and said I didnt sign papers with the teller so I have an adjustable rate. I said the teller did not give me papers to sign. The manager then my issue in to the complaint office. When the corporate people called me they said the teller could not give me papers to sign because the check had to clear first. Corporate said the bank should have told me to come back in 3-5 days after the check cleared and at that time the manager should have given me the papers to sign. I went back to the bank and told the manager what corporate had said. She replied that No One Ever Told Her That. I asked how do we fix it now. She said we could lock in a new rate that day but it would take 2.5 months to activate. So now we are paying a rate that is going into effect next month and we have already paid thousands more than we should have and will continue pay thousands more over the course of the loan. How can the people of the local bank not be trained properly to close a home equity loan or do they do it on purpose to make more money????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
American Express card services has been calling the phone number provided every single day. I believe for the most part there was only one phone call per day, but it is every single day without fail. American Express is also using an auto dialer to complete these calls. Every single day when they make their daily call, they always use an auto dialer. When I have answered the calls, after picking up the call, saying hello, there is only silence on the other line, a long period of silence, so I say hello again and then I can hear a click and then someone will begin to speak, without identifying themselves. The multiple times when I have failed to answer their abusive habitual calls, a voicemail is always left on my phone. It is the same exact auto dialer pre-recorded bot voicemail message. Each message is always 42 seconds long. The voice messages also always start off with a period of silence and the robot caller never identifies themselves, other than indicating this is American Express with an important message for XXXX XXXX. I also dont believe I ever gave American Express permission to leave voicemails on the number I provided them containing my full name and I identifying the card servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, 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:
THESE ARE THE UNAUTHORIZED INQUIRIES

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

ALSO THERE ARE TWO CREDIT ACCOUNTS ON MY REPORT THAT ARE FRAUD 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 non-monetary relief
Consumer complaint received 2022-05-03
Company: Paypal Holdings, Inc
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX I sent XXXX to the XXXX XXXX  via PAYPAL for XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I received the XXXX 's I got the XXXX XXXX framed and once I had saved the money I was going to get the XXXX XXXX framed. Due to a XXXX XXXX I was forced to sell these XXXX 's for family expenses. When I went to sell the XXXX XXXX the buyer said the XXXX was a fraudulent a FEDERAL CRIME. We then went to the web site of the company that supplied CERTIFICATE OF AUTHENTICITY with the XXXX. You can only imagine our surprise when the website was a XXXX XXXX XXXX. I immediately contacted the seller he offered to replace the XXXX  with one from his own company, something I compared to having the fox watch the hen house. He refused to return my money. I then filed a complaint with PayPal. That was the beginning of a nightmare of lies, confusion, and twisting my words by PayPal. They continually changed the amount I requested and the reason 's I wanted my money back.They did a horrible job of protecting my interests. They first decided in my favor but they demanded the wrong amount, I was only entitled to {$550.00} they kept asking for {$1500.00}. No matter how times I told them that was the wrong amount. I then got into an argument with an unstable employee and she informed that she was going to change my favorable decision into a denial. I finally received a provisional credit for {$950.00}. Which was reversed on the grounds that I bought the jersey 's to sell them which was never the case. The point is that PAYPAL is aware that I was sold fraudulent sports memorabilia jersey which is a FEDERAL CRIME. And is now demanding that I return the {$950.00}. I have no intention of doing this cause I DID NOT BREAK THE LAW, XXXX XXXX XXXXXXXX DID WITH PAYPAL 'S KNOWLEDGE AND BLESSING. I respectfully ask that the CFPB intercede on my behalf and correct this horrific miscarriage of justice. And punish PAYPAL for being duplicitous in this CRIMINAL BEHAVIOR. I will be more then happy to supply a plethora of E-Mails between myself and PAYPAL to buttress my complaint upon request of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have two late credit card payments that I am unaware of I tried to dispute it and they won't take it off I disputed the collections on XX/XX/2023 and XX/XX/2023 for all four credit cards. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681section 602 states that I have a right to privacy. 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage refinance from same lender. I have signed up for receiving my documents via email only from the lender for my existing mortgage. Inspite of that lender sent me loan diclosure for refinace through USPS. Now, due to election USPS delivered my package to wrong address. 
People who received my package delivered my package to me but not before they opened it. I can not do anything since per law they claim that they have opened it by mistake. 
And to my surprise, New Rez doesn't even mask PII like SSN on the loan disclosure document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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. 

Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, 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:
Credit inquiries for accounts with these companies appeared on my credit report, and I do not recognize any of these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-16
Company: Credit Karma, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Disputed transactions Company refunded one was refunded instantly Been waiting on 2nd disputed transaction since XX/XX/XXXX. 

Company refunded 2nd transaction today. 

The dispute still no update The refund isnt available to me. But I have proof it was refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Source Receivables Management LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
There is an inquiry on my report from XXXX XXXX that was not generated or authorized by me, for a company I do not know and there is no additional information about who its from and how to contact them. 

When i asked to investigate this as fraud I was told they don't do that and I would need to figure out how to locate the company and dispute it with the company. 

I asked how was I supposed to track down a company with a XXXX XXXX and no phone number that they readily accepted this inquiry from I might add with no additional identifiable information. 

I quoted from the consumer rights printed on the bottom of their report " incorrect, incomplete information is to be investigated by the company '' upon notification and still they indicated they will not do this. 

On top of this they are unable to verify my identity, though I am able to do this on every other site including the government free credit report site and due to this they won't update my mailing address which is currently missing my apartment and incorrect. 

It has been a vicious circle with this agency for a week and I am the one stuck with things on my report that I can not get removed, disputed and they keep telling me they will MAIL me further information, which I have requested them not to as they will again open me to identity theft by mailing documents with sensitive information to an incorrect address.

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 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I will make this short, brief and accurate as possible. Back in XXXX  XXXX XXXX XXXX XXXX XXXX sent me two emails pertaining to the sale of the account to XXXX XXXX XXXX and XXXX XXXX XXXX misleading. Anyway, this is a document stating that the account has been sold to XXXX of the companies and to refer any future question to either XXXX. XXXX XXXX continue to report onto my credit report for 6 years now after they had sold the account. They do not own the account anymore. Trans Union allowed XXXX XXXX to report onto my credit report for XXXX  years which being a detriment to my credit report and character. Also, this is a violation of the FCRA. See attachments for more details.

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 2022-12-29
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I got an account to purchase same as cash. I have tried making payments but I cant online as the account number is not on the statement but I never received a card after ordering on line. When I ask for them the fourth time and ask for a supervisor they hung up on me. As the interest rate XXXX % this is definitely a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: WELLS FARGO & COMPANY
State: TX
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:
I have sent serval complaint to wells Fargo I will need a statement in writing from wells Fargo bank that they have did a proper investigation into the complaint I spoke with someone and nothing has been explained to me why wells Fargo did not protect my funds in my account.

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 2021-05-03
Company: DISCOVER BANK
State: NE
Product: Credit card or prepaid 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:
On XX/XX/XXXX at XXXX AM, I received an email from Discover with a promotional statement saying that if I purchased a {$45.00} XXXX 's XXXX  membership by XX/XX/2020, then I would earn a {$45.00} statement credit back in 3 billing cycles. I had read through all the terms and met them all and proceeded to buy the {$45.00} membership on XX/XX/2020 with my Discover card. I have attached the statement on my discover account and the receipt from XXXX 's XXXX I had not received the promotional credit by XXXX still, so I proceeded to call Discover on XX/XX/XXXX. The first representative I had spoken to could not find the credit on my account but only found the memo that discover sent to me, which is also attached. She said that if I had to received the credit by now, then I do not qualify. I asked her why, and she said she did not know. From there, she escalated the situation to the supervisor, XXXX, who went line by line with me through the promotional statement and ensured that I met each term and condition. He believed that it was because the purchase on my discover card was {$47.00} and not {$45.00}. I said that this was due to sales tax, and he asked me to email him the receipt from XXXX 's club to ensure that this {$2.00} was sales tax. I emailed him and attached the email. He said that he would call me back within XXXX XXXX to follow up, and I never received a follow up call. Since I did not receive a follow up call, I called Discover on XX/XX/XXXX to ask about my credit. In this call, I was ensured that I would be receiving the credit by the XX/XX/XXXX billing cycle. It is currently XX/XX/XXXX, and I still have not received the credit. I called Discover today, XX/XX/XXXX, and the first representative I spoke seemed to not know what she was doing and had me on hold the entire time. She immediately directed it to a supervisor who stated that if I had not received the credit, then my account did not qualify. I asked why, and she said she did not know and there is no specific reason. She then proceeded to tell me that if I was told on XX/XX/XXXX that I did not qualify, then even if I was told on XX/XX/XXXX that I would be getting the credit, it does not matter. I told her that I was never told a direct yes or no if I qualify, only that the supervisor, XXXX, would be following up with me. I told her that I never got a follow up call, and she said that she would look back at the calls to ensure I was told " no '' I would not be getting the {$45.00} statement credit. She gave me the number to directly call a supervisor back in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM A VICTIM OF IDENTITY THEFT AND IT'S A FEW FRAUDULENT ACCOUNTS REPORTING TO ALL 3 CREDIT BUREAUS AND SHOULD NOT BE BC IT'S ILLEGAL AND I WAS NOT AWARE. I HAVE CONTACTED THE COMPANY 'S AND THEY SAID CONTACT THE BUREAUS TO DELETE THE ACCOUNTS BUT NOTHING HAS HAPPENED. I ALSO FILED A POLICE REPORT AND I'M READY TO SUE IF THIS ISN'T HANDLED WITHIN THE NEXT 15 DAYS. PLEASE DELETE THESE ACCOUNTS XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. PLEASE DELETE THE INQUIRIES, 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 non-monetary relief
Consumer complaint received 2022-12-29
Company: ENOVA INTERNATIONAL, INC.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2022, I completed an application for a personal loan. I submitted my paycheck information through my online bank account. The company posted an EST. Date of XX/XX/2022. On XX/XX/XXXX, I sent an email to their loan processing department to inquire about the status of my loan. They replied saying the application had expired. They stated that I need to resubmit another application. I replied by stating that I didnt think it was fair for them to run a hard inquiry on my credit while they let the application expired. So, I re-submitted another application, but I told them not to run my credit again. After re-submitting another application on XX/XX/2022, I was given another EST. Date of XX/XX/2022. I have checked my email several times, and I have not received any updates. I have all emails that I sent. I received several emails from the company stating that someone will get in touch with me either by phone or email. However, I have not received any form of response. The customer service only allows the consumer to update their emails or phone number.

Company response to consumer: Closed with explanation