BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-10
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have had issues with PNC bank regarding overdraft fees since I first opened the bank account in XXXX. I have below dates and total dollar amount taken from me since XXXX. It has been a lot more than this prior to XXXX but information is not easy to obtain. it would cost me {$5.00} per statement just to obtain every overdraft fee. I have been in contact with PNC on an every week basis and I am always fighting with them some times on social media on XXXX. I was unable to obtain any reward from the previous class action against them as I was a year too late. I am willing to pursue a new one if this issue does not resolve itself after this complaint. Overdraft fees hit on my account might into the thousands.

( 2 ) fees from this time period may have been refunded since this time period but all else stands. Please see below every overdraft fee since XXXX : XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} - {$5.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$30.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$66.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$100.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$130.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$170.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$210.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$240.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$280.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$310.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$350.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$390.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$420.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-01
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Dear XXXX, Cant you talk to us directly, at least once to listen our reservation and documented proof we, have. 
Please talk to below mentioned authorized official XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXk, NY XXXX XXXX : XXXX Cell : XXXX Fax : XXXX Email : XXXX. 

You mentioned, we did not requested loan modification, per our record, we requested in XXXX  We have sent proof to MA attorney General office today that we have applied for loan modification but did not get any answer from OCWEN. 

We have emailed you and left voice mail dated : Mon, XX/XX/XXXX, XXXX XXXX  and Tue, XX/XX/XXXX, XXXX XXXX. 

We, just requesting you to talk us. We, however, believe we have a plan that will provide a winning situation for PHH and for the refugees we want to help. We have a benefactor who is interested in providing immediate financial assistance to us with respect to the XXXX XXXX XXXX building and we would like to discuss this opportunity with you after we have an opportunity to review the complete file. 

If PHH can accept the reinstatement, please let us inform, so that we can send you reinstatement in 4 business days. 
Or If PHH agree, we can proceed with pay of the loan, we have friends of XXXX, who have approved financing to go ahead. 
You will receive, formal communication from us by our attorney ATTORNEY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX TEL : XXXX FAX : XXXX EMAIl : XXXX I would request, reply to him or contact him. 

We are in receipt of your letter dated, XX/XX/XXXX, explaining PHHs position regarding the mortgage loan with respect to the property at XXXX XXXX XXXX, XXXX, Massachusetts, and the auction sale of the property. 

In accordance with your offer, contained in your letter, to provide us with documentation related to the loan file, we are hereby requesting that you provide a copy of the entire file to us, including, without limitation, all documents and communications, regardless of form or type, for our review. 

After we have had an opportunity to review the file, we would appreciate your setting up a meeting with us as soon as possible to discuss any issues we have, with the goal of finding a fair and equitable solution for all parties involved. 

We are in receipt of another letter issued dated XXXX XXXX, received XXXX XXXX. Where you mentioned we did not apply for loan modification, however our record shows, we have requested loan modification Please be advised, If PHH proceeds with the sale of the property or any other way alter the title of property, before the providing us the loan file and give us an opportunity to review the documentation and give you documented proof, we have back to you, will be considered violation of the consumer rights and Ocwen agreement signed with MA attorney general office. 

Please be advised that nothing contained herein shall be construed as an admission or as a forfeiture of any rights we may have at law or equity. 


With kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: BARCLAYS BANK DELAWARE
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by XXXX XXXX XXXX out of XXXX, GA about a debt owed to Barclays. This debt has been paid and dismissed, with proof in writing and submitted to the court clerk of my county. 

On XX/XX/2020 I attempted to contact XXXX ( a contact with the group ) to  find out what this matter was concerning and to try to get a physical address to find out if they were a scam debt collector or not. As XXXX was giving me the address she said, " I am not your child, have your attorney call us '' and hung up.

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me.

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 2021-06-23
Company: USCB Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

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 2020-08-25
Company: PROVIDENT FUNDING ASSOCIATES
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am trying to close a refinance with Provident Home Loans and they are requiring verification of employment. This is not a problem, but my wife and I work for XXXX XXXX companies that use the XXXX as verification of employment. We have provided that information to Provident but they are saying that is not acceptable and is requiring us to get email from our boss that we are employed after we have signed the closing documents. That is against our companies policy. We have supplied evidence that we are employed thru current pay stubs but Provident is refusing to fund the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Not sure if this is the right department. I received a call this XXXX @ XXXX from XXXX their company is offering a Government loan modification program. They stated I would have to make 3 trail payments in order for the modification to go into effect. When I kept asking what the terms were they just stated I would receive them after I made my first two trial payments. I let the gentleman know I would not agree to anything without knowing the terms. He kept insisting I would receive them after making two trial payments. I thought was weird because at first he said 3 payments. I eventually stressed to him that I would not agree to anything without knowing the terms he said they would be texted to me and hung up. I never received anything. I called Shellpoint directly and the customer service lady stated there was no notation that anyone had called me this morning. I asked where I could report and she stated I had to do my own research to report. I thought this was odd or she was just being rude. I went online and it stated to call XXXX to report spam or fraud. I called and expressed to the customer service representative I just need to know where to file a complaint about a spam call. She gave me an email of loan XXXX and stated they would forward to the correct department. The gentleman who stated his name was XXXX XXXX, called me from your number XXXX. I wanted to make you all aware as this is possibly happening to other people. Not sure if it is Shell calling or spam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In 2014, several charges of {$390.00} was charged to my person. It was sent to Wakefield & Associates for collections and has impacted my credit score. I have called and told them the claims are fraudulent and that I have no intention to comply and would like the issue resolved and was told that my only way to resolve the issue was to write a letter to the compliance department. I am today writing a letter to the corporate office in hopes of them resolving the issue for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: United Consumers Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid in full yet it still remains on my credit reports after we agreed to a " Pay for delete ''. 

I paid the full balance owed {$370.00} via personal check every week. 

UNITED CONSUMERS INC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Account Number XXXX Original Creditor Name 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 2018-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I am waiting for delinquent payments to drop off credit reports. From information provided on my credit report which I downloaded XX/XX/XXXX, it was indicated on Transunion that delinquent payments would be removed XX/XX/XXXX. I had a short sale and account was deemed delinquent XX/XX/XXXX. I called to speak with Transunion representative who told me it would not be removed until XX/XX/XXXX. He could not tell me why there was a discrepancy and indicated what I had provided to me was inaccurate. I called XXXX with the same question and they agreed it should be removed in XX/XX/XXXX. I would like the problem with Transunion rectified.

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 2021-06-23
Company: Experian Information Solutions 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:
Experian is stating that I have a recently missed payment which is not accurate in my credit summary

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 2021-10-08
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I bought Crypto currency in XXXX of XXXX and XXXX of XXXX XXXX My account was limited and Paypal refused to tell me what happened. I had a regular balance in my account and after 180 days i was able to get that out. They told me the Crypto would be release in an addition 180 days which out that release date at XX/XX/XXXX. As of today, Paypal refuses to release this and refused to transfer me to any higher manager successfully. I have been patient and now upset as I am unable to withdraw my current Crypto Balance which is currently at Crypto BTC {$1200.00} Available value. I have called daily and get the same refusal and " we will put a help ticket in but can not give you a time frame to when they will get to it ''. Paypal did not hold up to their promise and instead treat me like a criminal. They also never respond to my emails. Thank you for helping. 

Transaction Date : XX/XX/XXXX Amount : {$500.00} Transaction ID : XXXX Transaction Date : XX/XX/XXXX Amount : {$51.00} Transaction ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

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 2018-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
You all are reporting that my credit I was late XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. My records indicate that I have never had a late payment. Its currently reporting that I am still late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I bought the XXXX ( my first transaction ), and Coinbase froze my payment method because my bank didn't allow the transaction. I called the bank on the second day and resolved the issue, but Coinbase ignored my support messages for 10 days ( case XXXX ). I repeatedly tried to reach out to them via their support and twitter. I got responses from twitter that they're working on the support case and will be in touch. From their support, I received multiple bot-generated emails that I need to pay the balance, but despite multiple requests, they ignored my pleas to lift the payment method freeze. After 5 days they sold the currency, and after 7 days they lifted the bank freeze. Because they sold the currency, I am stuck with the $ XXXXsomething fee that I " owe '' them. 

My experience with their support has the XXXXXXXX XXXX XXXX   First, I ask them to lift the freeze, they ignore that and send a bot-generated email to pay the balance. Of course, I couldn't pay the balance without them lifting the payment method freeze, and I reach out again to lift the freeze - and I get the same bot-generated message again. It's surreal. 

Neither I nor other customers who stuck in this loop are responsible for any bogus fees associated with Coinbase 's inability to run their business. I reached out at least 5 times via email and twice via Coinbase XXXX support to deal with this problem. They didn't address it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: TRANSWORLD SYSTEMS INC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To begin this is the second time this has happened to me bother times I was not notified and I had already paid my account in full. 
I paid this bill in full on XX/XX/XXXX for one payment of {$120.00} and another of {$110.00}. I clarified multiple times that I did not want to owe anything else and they agreed my account was paid in full for my visits. Now this week XX/XX/XXXXish I was put in collections by XXXX XXXX VIA Transworld Systems.

I received no notification of this I called them Transworld said its " she cant say that XXXX  made a mistake how would she know '' and my response was that she could determine that I made one though? Now my credit shows I paid the balance? But the issue is I never had a balance and this is the second time both these companies have made this mistake. I have a 100 % payment history on my credit. Then even when this is deleted it is never actually the same. So I am not sure how I should proceed being the mistakes of these companies effects my ability to buy homes and sets back my life plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: National Enterprise Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2019, XXXX XXXX a department head at National Enterprise Systems contacted our daughter on her personal cell phone about a debt her father and I owe. Our daughter is not a guarantor or contact on any of our financial accounts. She is a student. I called Mr. XXXX directly, informed him I was going to file a complaint with the CFPB and that he should delete my daughter 's contact information from our file.

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 2018-06-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
I got a 5 year auto loan with USAA. I NEVER HAD A LATE PAYMENT AND PAID MY LOAN OFF EARLY. THERE is a false claim of being 30 days delinquent on my account and no one is trying to remove this slander. The XXXX to be a trend with XXXX   having bogus things in our credit report that doesn't get removed. Definitely seems to be systemic. XXXX as well as ignorant people would claim it has to do with paying bills well if you can read. I paid vehicle off early ... and somehow was 30 days delinquent. Sounds like opppression or unfair treatment too me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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:
Fraudulent hard inquiries were placed on my credit report and I am very angry that they are letting me get taking advantage of from these companies and this is ridiculous.

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 2018-06-22
Company: EQUIFAX, INC.
State: IL
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 requested on several different occasion since XX/XX/2018 to investigate the two bankruptcies that are appearing on my credit report and several student loans.I sent letters certified in XX/XX/2018 and XX/XX/2018. I also sent regular mail letters with documents that were sent to me from the creditor themselves with information about my account. Equifax is claiming they are investigating and or reinvestigating the issues but to no avail they have not supplied me any proof of any document filed on my behalf.

I have security freezes on my social security number because of the data breach that I was a victim of. Equifax keeps giving me the run around stating that they have mailed me copies of my credit report when in fact I have not received a copy of my report since XX/XX/2018. I have tried to have a resolution to these things reporting negatively on my credit report but Equifax refuses to supply with the name of the 3rd party they are getting information from.

Company response to consumer: Closed with explanation