BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-05
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018, I made a cash deposit of {$1900.00} at the ATM XXXX XXXX XXXX, XXXX, NJ XXXX at XXXX. The ATM processed the money, however the machine shut down and said temporary out of service. Then it spit out my ATM card. The funds were not available. I went inside the bank and the representative stated that she will give me provisional funds, however it only put in an investigation status. The Branch manager XXXX XXXX said there is nothing he could do, and that I would have to wait the waiting period. I called the police and they said it was not a crime and it was nothing g they could do. I could file a report. I called PNC retail escalation department and spoke with XXXX and said they can not do anything for another 48 hours. This has put me in a grave disadvantage. I made a cash deposit, I feel they stole my money. 
Also, they cash a check for me and then made the deposit as cash. That also is not available, they couldnt explain why. I made a total of {$2900.00} cash deposit and known of my funds are available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: MO
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 report act, The list of Accounts below has violated My FEDERALLY PROTECTED CONSUMER RIGHTS!!!, To PRIVACY and CONFIDENTIALITY under 15 USC 1681. 

XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX Has violated my rights 15 USC 1681 section 602a, States I have the right to privacy 15 USC 1681 Section 604 A, Section 2.It also states a Consumer reporting Agency Can not Furnish A account without my written Consent or Instructions. 

15 USC 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 if information other than records of convictions of crimes which antedates the report by more than seven years, 15 USC 1681 s-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 explanation
Consumer complaint received 2019-06-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I sent a letter to my mortgage company Rushmore Loan Management Services ( RLMS ) requesting release of my Private Mortgage Insurance ( PMI ). The letter is attached. I stated that my current loan value was {$78000.00}, and my property value was {$100000.00} according to the appraisal that the loan was based on. RLMS responded XX/XX/XXXX stating that my request was denied because the loan-to-value ratio had not reached 80 % based on the original value of the property. The response is attached. I then submitted a dispute via online secure message on XX/XX/XXXX explaining that I disagree with their loan-to-value ratio calculation. The correspondence is attached. I stated that the appraised value of the home was {$100000.00} ; the negotiated purchase price was {$90000.00}, and the original loan amount was {$85000.00}. Based on this information, my loan-to-value ratio was less than 80 %, thus I am eligible for release of PMI per Federal law and the Homeowner 's Protection Act of 1988. RLMS responded on XX/XX/XXXX saying that my current loan to original value is 78.2 %, but that they were still not releasing my PMI, but they wanted me to pay $ XXXX {$1000.00} to have an appraisal first. The response is attached. I am asking the CFPB to review this case and request that RLMS release my PMI as required by Federal law and the Homeowner 's Protection Act of 1988.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: JPMORGAN CHASE & CO.
State: NY
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 this creditor, has violated my rights.

Under 15 USC 1681 Section 602 States I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
It is XX/XX/31. I am traveling abroad ( notified my bank prior ) and I tried to access my account online, with no success. I then tried calling the international number ( though I have to pay for the call from my phone in any case ) - one hour wait time. I then tried calling the regular customer service number - one half hour wait time. I tried to do chat - but they require login first ( which I can not do ). I looked for email - this also required login first. 
This is too difficult from abroad. I am not able to access 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 non-monetary relief
Consumer complaint received 2023-02-01
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Some one use mu infirmation to apply for credite card

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 2020-02-29
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
QUICKEN LOANS a/k/a ROCKET MORTGAGE IS HORRIBLE. THEY DO NOT MAIL OUT TIMELY BILLING STATEMENTS AND DO NOT TIMELY APPLY PAYMENTS. IT IS ALMOST AS IF THEY WANT PEOPLE TO DEFAULT. THEY DO NOT SEND OUT STATEMENTS AFTER THEY RECEIVE PAYMENTS. 

THEIR SALESMAN ARE OBNOXIOUS. THEY KEEP CALLING ME AND ASKING ME TO REFINANCE MY LOAN. I TELL THEM THAT I AM NOT INTERESTED AND THEY KEEP BOTHERING ME. IT IS ANNOYING. I WOULD NOT TAKE OUT ANOTHER LOAN WITH QUICKEN AND WOULD NOT RECOMMEND THEM TO ANYONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened the new bank account with Synchrony Bank and they let me make deposits into the account with no issues but when I wanted to access to my fund they just held my money hostaged for no solid reasons. The Supervisors and Manager of the bank kept promising to return my money the next day and then next day and then next day .... Almost two months passed by, they still did not return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I had an XXXX creidt card account opened on XXXX XXXX. My accoount number is XXXX. They reported a {$5.00} charge as not being paid. I did not recognize this charge and contacted them after they already reported to my credit as a late payment. They said said they would not work with me and it was too late to dispute it. I paid the {$5.00} because I wanted to keep in good standing. They closed the acccount without contacting me and hurt my credit score over a charge I know nothing about.

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 2019-03-31
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The XXXX and XXXX months in XXXX indicate that I didn't pay the monthly debt on time when I actually did. I made the payment with Navient on the phone before the due date but a report was sent to my credit that it was late. Also the last 5 months of XXXX reported that I didn't make a payment on time but I had the payments scheduled for automatic payment out of my bank account but a error occurred where payments were not made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: LoanCare, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have medical issues and I requested a forbearance. I was told, a homeowner can only get a forbearance for covid related issues. However on the loan care website it lists other reasons that qualify for mortgage relief. Loan care is not working with me to ensure I have the best option available to me. I have everyday for the past week and each representative gives me different information. some say I qualify for a forbearance for medical issues but loan care only sent me paperwork for a loan modification which is only like a {$150.00} reduction, this is not a big help for me seeing as how I am currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just want to be treated fairly and given the options available to homeowners who are struggling to pay their mortgage.

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 2023-02-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
New Inquiry from XXXX XXXX on XX/XX/23 was made under my information. Never heard about it or requested any from it. 
I need this canceled and something done to not affect my credit score.

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 2023-02-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, and accounts that do not belong to me. Please block the accounts that are misleading and incorrect in my file. 

Here are the aforementioned accounts : XXXX XXXX  XXXX XXXX  : {$1600.00} XXXX  XXXX XXXX  XXXX XXXX  : {$480.00} XXXX XXXX XXXX XXXX XXXX : {$660.00} This complaint is a follow-up to my previous complaint dated : XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
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:
INFORMATION ON MY CREDIT REPORT IS INVALID AND NOT METRO 2 COMPLIANT AND NEEDS TO BE DELETED IMMEDIATELY

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 2023-02-01
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I filed a complaint with the XXXX ( Case # XXXX ) and the CFPB ( Case # 's XXXX and XXXX ). Wells Fargo indicated in their response to that complaint, dated XX/XX/XXXX, that they had corrected the issue, and reopened the credit card they had inappropriately closed. This was the corrective action that was necessary to respond to the complaint and I did not pursue it further. On the XX/XX/XXXX, I tried to determine how to utilize my reactivated credit card for the purposes of paying my rent. After investigation, I found that my general online account access was still locked and frozen, and I had no way to access my account information. After discussions with the bank 's phone service staff, I found that the account was still closed, with one staff member indicating that it had been closed in XXXX. This would be significantly after the account was supposed to be reopened per the letter they had provided to me in the CFPB complaint. I then contacted the institution, and found that their case numbers did not include appropriate documentation of either the letter that had been provided to both the CFPB and myself regarding the complaint, and that it did not show any documentation indicating the account was supposed to be reopened. 

In addition, the original error is due to the bank maintaining inactive customer data, including personally identifiable information ( PII ), without implementing appropriate controls to protect that data or delete that data within a reasonable time horizon. The original inactive customer information is from a brief account I had with Wells Fargo after XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Regulatory requirements necessitate the retention of PII data for 5 years, in most cases, and the bank should implement policies to offload that information as a data security process in line with the board 's risk tolerances/data security controls. Since I closed my accounts with Wells Fargo XXXX XXXX XXXX  Wells has had data breaches, and I am uncertain if my data was impacted. It's unlikely, but implementing appropriate time-frames for removing inactive customer data is critical given the risk environment for BIT with regards to information security.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-17
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2018 I opened a XXXX Credit Card, due to being offered a 0 % promotional 12 month interest rate due to my purchase amount. I have been charged {$55.00} in interest so date, and continue being charged interest, and the company is refusing to reverse these interest charges. I have repeatedly stated that I am still within the promotional period, and that I would not have opened the card had I not been offered the promotional 0 % interest offer. 

The offer read as the following : " Your purchase qualifies for a 12 month 0 % special financing. 
6-month special financing on orders over {$210.00} 12-month special financing on orders over {$490.00} 24-month special financing on orders over {$840.00} 36-month special financing on orders over {$1200.00} 48-month special financing on orders over {$1600.00} 24-month special financing on orders with XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, or XXXX mattresses over {$840.00} XXXX special financing on orders with XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, or XXXX   mattresses over {$1200.00} '' My purchase was for over {$490.00}, therefore qualified for 12-month 0 % interest financing. Again, I never would have opened the card had I not been given this offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX, a client sent money via PayPal to pay a deposit to reserve dates for my vacation rental. PayPal requested a tax id to confirm the transaction and stated ID verification would take 15 minutes. Thereafter, funds would be released to me. It's now been 3 days and the funds have NOT been released to me. I called PayPal this morning. They stated that there are systems issues and there is no time frame on when this " issue '' will be resolved. This is completely unacceptable and illegal! They are withholding my money and I'm sure thousands of other consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have no a knowledge of this account according to the FCRA This item must be removed

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 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have been victimized by your company reporting erroneous information. After several attempt of trying to rectify the matter with your bureau in civil manner, my attempts have been unjustified and ignored violating the FCRA and my rights as a consumer. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I  have made.

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 2021-08-17
Company: EQUIFAX, INC.
State: CA
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:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: AR
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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 
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