BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: Radius Global Solutions LLC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My father was contacted my Radius Global Debt collection agency. My suffix is XXXX And his is XXXX. Once they verified his name ( only ), they said he owned an amount of {$52.00}. XXXX. He said he didnt owe anything. So they provided the name of the medical facility that provided services, the date, and asked if his address was my address by calling it out as well as my birthday. After hearing the information my dad offered to pay the amount owed and she would not take the payment. My privacy rights were violated.

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 2022-08-13
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Since XX/XX/XXXX they been pulling from my account after I told them to stop auto payments. And I talk to at least 12 different people and they will say oh we stopped the payments or we escalated your case and we stopped the payments. They even sent me an email saying they stop all ach. Im working with debt relief program and they sent a power of attorney to take over the payments. And I will tell them that to constantly and they will say that they wont pull from my account. But the constantly charged me NsF and now they pulled XXXX from my account. That was my rent money. Im so upset right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: PNC Bank N.A.
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: Was not notified of investigation status or results

Complaint:
i sent a letter to PNC dated XX/XX/2018 they never responded so i done more and more research how to go about information being reported incorrectly. They are saying {$400.00} was written off. This is false ive sent them multiple letters no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Synovus Bank
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My payment is due XX/XX/XXXX. I went on the website to make the payment put in my checking account info with routing number. I received an error message. I refreshed the page and then it tells me how I need to pay is thru my online bill pay with my bank. I called the company and spoke to 1st rep he said he does not know why it did that but I need to pay with my online bill pay. Now on XX/XX/XXXX I put in my checking info and made the payment and today I did the same thing and received an error. I asked to speak to a supervisor I get XXXX on the phone at first she said she has no clue why it did that then I told her I need an answer today I am trying to make a payment she said oh well our website is going under construction. I told her that I need to make a payment today and since they are having an issue with the website I should NOT be charged the XXXX fee she said I would be charged and I don't have a payment due even tho my bill says payments are due on the XXXX. I asked to speak to a supervisor she said a call back and someone will call me back within. 3 to 5 business days. Today is the XXXX my payment is due on the XXXX. I need answers. I do not want to be charged any interest rate charges because I am trying to make a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: GOLDMAN SACHS BANK USA
State: MA
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:
On XXXX XXXX merchant named XXXX XXXX XXXX XXXX, charged an unauthorized transaction to my Apple Goldman Sachs credit card for the amount of {$490.00}. The company was hired to move my furniture on XXXXXXXX XXXX. During the move, it began to rain and the movers refused to move my couch in the rain because they claimed they could be injured. They told me they would be returning the following day after the weather improved to move my couch. They refused to release my couch and took it back in their moving truck, saying that they needed to hold onto it until the job was completed. On XXXX XXXX, the movers arrived at XXXX XXXX  to move my couch inside my home. They asked me to sign their mobile device to close the moving contract, but they did not disclose that they would be charging me a second time. When I saw the second transaction on my credit card later That same day, I called the company and could not reach anyone. I continued to call and leave messages to dispute the charge directly with the merchant but did not receive any response. I opened a dispute for the charge with my credit card company, Goldman Sachs. On XX/XX/, Goldman Sachs informed me that they decided to side with the merchant on the dispute. They did not ask for additional evidence on my part before making their decision to credit the merchant for a transaction that was charged without my permission. If you see the attached contract I signed with XXXX  and XXXX XXXX, you will see that a couch was included in the inventory to be moved. I should not have been charged a second time or additional charges since the couch was already included in my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: EQUIFAX, INC.
State: AR
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 have provided Equifax with all the information they need to " block '' the fraudulent account listed on my credit report, yet they haven't. I told them that my information was compromised due to the data breach they caused in 2017, and have provided documents showing that I was a victim of that data breach. Remove the account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: KEYCORP
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:
Multiple fraudulent charges were made on my personal Key Bank credit/debit card on XX/XX/2023. After speaking with a fraud XXXX about the charges, all were reversed except a {$500.00} charge from XXXX XXXX XXXX in XXXX North Dakota for a digital gift card. The fraud XXXX authorized a provisional {$500.00} XXXX XXXX XXXX and assured me that the charge would be reversed due to the proximity of the other fraudulent charges. I did not inquire further with XXXX about the charge because the bank employee was confident about the ability to get it reversed. This charge was not reversed and the provisional loan was subtracted from my account, and the dispute was closed due to evidence provided by the vendor stating that I was associated with my personal email which was used to make the purchases. After inquiring to the Key Bank fraud department again they ask for me to provide further evidence about the purchase at what time I provided an email I received from XXXX stating that the gift card was sent to a second email that is not associated with me immediately following the purchase. I did not receive any correspondence other than this regarding a purchase. No invoice or any gift card number. The fraud specialist informed me that the bank had up to XXXX weeks to investigate the dispute once re-opened. After this period I had to call again and complain about not receiving and communication regarding my case. When I again spoke with a fraud XXXX named XXXX from Key Bank he asked me if I knew a person named XXXX XXXX and if I was familiar with XXXX XXXX New York. I told him I was not and he informed me that there was a second individual listed who was located in XXXX XXXX. I asked to speak with XXXX 's supervisor at which time I was transferred to a person named XXXX. She did not want to discuss the information that XXXX brought up. I asked to speak with the case XXXX at which point I was told that those employees do not field inquiries from customers. I was promised a call from a supervisor but have received no call in over a month about this. I have not been refunded the {$500.00} and have only been provided " evidence '' about my own personal email. Nothing about additional evidence. Or the additional individual brought up by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I paid my debt in full XX/XX/2022, I have contacted this company ( Caine and Weiner ) several times and no one picked up, or they told me to leave a voice message, I left a voice message and no phone call back, I also emailed them and no response on the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: NM
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am so stressed and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Around 7 years ago, there was an identity theft attempt on my Bank of America checking account. BoA notified me that they caught the issue and stopped it. Oddly, they also shut down my checking and savings account. When I attempted to get answers as to why, they said they couldn't tell me. Another attempt to get answers from the resulted in them telling me to call another internal number for another department. That department told me the same thing. Weeks later I attempted to go to two other banks and a credit union which all said the same thing. Today XX/XX/22, I attempted to open an account figuring enough time has to have passed, and I've been able to get XXXX credit cards. Same result. Those cards are all in good standing, I have direct deposit via an online bank ( XXXX checking ), and have been in good standing there for at least 5 years. I'm thoroughly confused how them catching an identity theft attempt resulted in me loosing the ability to get a checking or savings account. Due to the amount of time and being locked out of the account the next day I don't have documentation. Thats also due to no one being willing to answer the why or point me in the right direction to get that answer so that I may be able to resolve whatever confusion exists.

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 2018-04-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to access my account online since XX/XX/XXXX/XX/XX/XXXX. I have made numerous calls and have been hung up on. When I call I am asked to verify my information and once I do the CSR reads the notes and either tells me there is no update and I will get a call once there is. Or they will transfer me to tech support, who tells me my online account is still not fixed and they will call me when it is. Today during a call someone named XXXX who claimed to be a senior customer service rep hung up on me. I just want to access my information. I also asked for the transcripts of all of my calls and was told I do not know how to get those for you, here is a mailing address that might help you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them letters last XX/XX/XXXX and XX/XX/XXXX for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. KINDLY REMOVE these accounts that are still reporting on my account : XXXX XXXX XXXX XXXX Opened Date : XXXX XXXX, XXXX Balance {$1000.00} ACCEPTANCE NOW XXXX Date : XXXX XXXX, XXXX Balance {$1800.00}

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 explanation
Consumer complaint received 2021-11-23
Company: Affirm Holdings, Inc
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I returned the product the loan was for, a mattress. XXXX was supposed to communicate that to Affirm, the lender. XXXX has not done so despite a number of calls, emails, and social media messages. I returned the product a month ago but am still getting charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: FL
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2021-11-23
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/2021 I, XXXX XXXX XXXX, the natural living and breathing person, sent out the required documents containing an ftc report which they received XX/XX/2021 and dispute for the identity theft shown in my Experian account. I have a green receipt from XXXX which shows that this company in fact received the documents and theyre using deceptive tactics stating they have not received my documents to keep the identity theft remaining on the account which violates XXXX usc 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 2021-11-23
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: NC
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:
While reviewing my XXXX credit report, I noticed that Mutual of Omaha Mortgage made an inquiry on XX/XX/2021 without my explicit or written consent. They bought my lead from XXXX XXXX, an online site, and ran my credit without my explicit permission or me starting a mortgage application. At no point have they reached out to me and formally asked me to start an application process. So I am not sure, why they should run my credit without my explicit consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: AES/PHEAA
State: VA
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:
CFPB, I believe that the Pennsylvania Higher Education Assistance Agency ( PHEAA ) through XXXX is failing to adhere to 34 CFR 685.209 in calculating monthly payments under the Revised Pay As You Earn ( REPAYE ) program. 

I have provided them with a XX/XX/XXXX tax return, which contains my IRS calculated AGI and would result in a REPAYE payment of around {$300.00} per month. Nonetheless, they have on various occasions refused to review that IRS documentation and have insisted on relying on pay stubs to calculate my payment, which they have most recently calculated at {$390.00}. 

On XX/XX/XXXX, I received an official email from XXXX stating that my monthly payment would be {$300.00} only to receive another email a day later stating the payment had been recalculated to {$490.00}. 

I have already reached out to the Office of Consumer Advocacy at Pennsylvania Higher Education Assistance Agency ( PHEAA ) and XXXX at ( XXXX ) XXXX stated that he agreed that per 34 CFR 685.209 my payment should be {$300.00}, but he appeared unable to have the payment correctly recalculated. 

For reference 34 CFR 685.209 states the following : ( 2 ) Terms of the Revised Pay As You Earn repayment plan. 

( i ) The aggregate monthly loan payments of a borrower who selects the REPAYE plan are limited to no more than 10 percent of the amount by which the borrower 's AGI exceeds 150 percent of the poverty guideline applicable to the borrower 's family size, divided by 12, unless the borrower 's monthly payment amount is adjusted in accordance with paragraph ( c ) ( 4 ) ( vi ) ( E ) of this section. 

As shown in my XX/XX/XXXX tax return, I have an AGI of {$54000.00} which would result in a monthly payment of {$300.00} for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: OPTUM BANK, INC.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX reversed XXXX XXXX separate payments on XX/XX/2023 in the total amount of {$1200.00} as of today these funds have NOT been returned to my utility spending account. 
I have just learned that XXXX XXXX uses a thirty party payment vendor called XXXX owned by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: OPTUM BANK, INC.
State: DE
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XXXX reversed XXXX XXXX separate payments back to my Utility Benefit Spending Account this a is a government related benefit by XXXX and XXXX XXXX refuses to return the funds to my Utility Benefit Spending Account and total amount due to be returned is : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of XXXX XXXX. The Equifax XXXX has failed to comply with air Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the Bureaus, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THIS CHARGE OFF ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation