BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-15
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$8800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This concerns Bank of America for primary property. 

Bank took XXXX XXXX payment from my funding account. Then on XX/XX/31, bank indicates a returned payment ( although the money came from my funding account ) fee of {$40.00}, plus a late charge of {$200.00}. In addition, now on XXXX statement, bank indicates I am a month past due on mortgage payment, although all payments have been made. 

Bank also has a series of {$12.00} unexplained payment processing charges going back several months. 

I am unable to get through to anyone at the bank. Have talked twice to " social media staff ' who have been unable to tell me anything.

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 2019-04-01
Company: PNC Bank N.A.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
FridayIdepositedacheckandwastoldIneededtopayafeetoaccessmymoney.However,myaccountwasalreadyoverdraftedandIcouldn'taffordthefee.SoIcalledandwastoldmycheckwouldbeavailableMonday,whichwasalie,andothertoldmeTuesday.Pncbankisnotgoodfortheworkingpoor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
on XX/XX/XXXX. I put a payment thru to a private party that I found on " XXXX '' for a private camper Rental. Per the owner request ( or so I thought ) they informed me that they had trouble or it took too long for them  to get their money from XXXX. 
" okay good, you can pay through paypal.this the paypal ; XXXX '' After I sent the Payment thru PayPal as I found PayPal to be Secure, I wanted to double check something on the Camper the camper was removed from the site. 
I emailed the so called owner and their response was " Yes all the rv listed on site are all gone for reservation and the one you booked for. '' This threw a red flag to me and I called PayPal to cancel the transaction. They let the transaction go thru. 
Now I have to do a dispute with the Credit Card Company. I am the person in charge of that PayPal account that is MY money not theirs. When I say STOP a payment they need to do as I said. I can not believe they let this go thru. 

XXXX was the complaint number. I'm very displeased that I could not stop a fraudulent payment. the email that is included with this whole mess that said they were the camper etc ... is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Village Capital & Investment LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After a number of years of loan payments to XXXX XXXX  and farmed out to Village Capital, I refinanced the loan with XXXX  XXXX XXXX. The closing was successful, however Village Capital has not refunded our escrow of {$1400.00} after 15 days. Their claim is that it could take up to 30 days to return the money! They were paid in full on XX/XX/2020. This is not fair banking ... they haven't and are not paying interest on this money. Escrow funds should be refunded promptly. They are profiting by holding on to their customer 's money with the excuse that 'it 's their procedure '.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
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:
THIS COMPANY EQUIFAX IS STILL REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT XXXX   ACCOUNT XXXX. I AM ENCLOSING THE FTC FRAUD AFFRADAVIT WHICH REQUIRES EQUIFAX TO TAKE CERTAIN ACTIONS ON THIS ACCOUNT BEING REPORTED AS XXXX ACCOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have banking relationship with Bank of America since XXXX. On XX/XX/XXXX I checked my checking account online and noted a forged check in amount of {$2600.00} cleared from my account. I immediately contacted my bank and transferred to Check Fraud department and filed a claim. They explained that this may take up to 90 business days to resolve. I called next day and froze my checking account. Same day I received an email with a form to be filled and notarized which I sent back on XX/XX/XXXX via my bank branch in XXXX XXXX. The check fraud department is closed on weekends and nobody could release my existing funds till Monday after. In last 2 weeks I have contacted check fraud department multiple times and found out that the check was negotiated by XXXX XXXX. My bank says since this is involving XXXX XXXX we need to wait for their investigation as well as Bank of America investigation. My bank knowing this was completely a fraud couldn't credit me the funds as they say they need to wait for XXXX XXXX to pay them first and then they can return the funds to me. No contact from the investigators from any of the banks. Just saying we are sorry.

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 2020-08-26
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2019-04-01
Company: Williams & Fudge, Inc
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive a call every single day at WORK. A co-worker of mine has answered a few times and my coworker was told personal information related to my account. The caller assumed they had reached my desk when in fact I was out of the office so the call was automatically transferred to someone else. When that person answered the caller assumed they had reached the right person and proceeded to provide my first and last name as well as what they were calling in regards to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Ability Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I reached out to pay my debt and we agreed that in two payments debt will be paid and reported to the 3credit bureaus and asked to be cleared. I disputed this and it says I still owe but have proof of payments and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
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:
Due to COVID-19 and despite being laid off I have been doing my best to pay off bills that were on my credit report. I worked with the actual creditors regarding pay off and then sent the letters indicating the accounts have been paid off and the balance is XXXX as apart of a settlement. I have sent the information to Equifax, XXXX, and XXXX however the information still remains that I have balances on the paid off accounts. 

Equifax ( these accts are all paid off ) : XXXX XXXX ( # XXXX & XXXX ), XXXX XXXX XXXX XXXX, & XXXX ) XXXX ( # XXXX ), XXXX for {$150.00} ( I am unfamiliar with this account and asked for reinvestigation but no response ). XXXX XXXX on ( XXXX paid off medical acct that should have been deleted after 180 according to law ). XXXX : ( XXXXThe statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code. This is to be deleted from my credit ). 

TransUnion : XXXX XXXX ( paid off with XXXX balance # XXXX ), XXXX : ( XXXXThe statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland XXXX. This is to be deleted from my credit ). XXXX XXXX XXXX ( XXXX paid off XXXX insurance for {$120.00} ). 

XXXX ( These accts are all paid off with a XXXX balance however still showing I owe monies : XXXX XXXX ( XXXX, XXXX, & XXXX ), XXXX XXXX XXXX XXXX ( # XXXX & XXXX ), XXXX : ( XXXXThe statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code. This is to be deleted from my credit ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TCF NATIONAL BANK
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Hello, On or about XX/XX/2020 an automatic/recurring payment triggered, transferring {$500.00} from our joint checking account directly to TCF Bank. At the time, we only owed a small amount of interest in the amount of {$34.00}. This resulted in an over-payment of {$460.00}, which is owed back to us, the borrowers. 

I called TCF and explained the issue and was told that a check was being issued to us for the overage. The check never arrived and upon calling a second time, I was told that we had to wait 90 days to receive a newly issued check due to " company policy. '' I explained how this was unfair and that the bank would not similarly allow us the borrowers to miss a payment obligation for three months without charging interest or fees. I asked that the issue be escalated and I was told that I would receive a call back ( I never did ). 

Yesterday ( XX/XX/2020 ), I called back to yet again inquire about the funds owed to us. After waiting on hold for 42 minutes, the customer service rep could not locate any of these prior discussions in their system and had to connect with a back office function ( I assume Accounts Payable ). I was told that I would receive a call back within 24 hours once they accessed an old system. I have not received a call as of the time of this CFPB complaint. 

I will soon be closing out this HELOC entirely, in large part due to this experience. I want to make sure that I receive the money owed before that happens. It's been over three months since this occurred and it's particularly egregious to withhold close to {$500.00} given world events and the economy. 

The attached statement shows that we had no principal balance and a " principal adjustment '' of + {$460.00}. 

Thanks for your consideration and assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm was unaware of this account and did not have the opportunity to dispute, please remove from my credit profile as you are in violation of the Fair Credit Act. In addition, please provide the following : Assignment of debt Method of Verification Validation of Debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-24
Company: DISCOVER BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I contacted Discover several times over the last 3 years via phone, chat, and email to investigate identity theft that happened. They have yet to accurately complete an investigation, have never gave me temporary credits previously, never froze my account, and never helped me to take preventative action. This led to Discover sending additional and UN-authorized cards to addresses that I have never lived at, and to people that I do not know. The fraud continued to happened and led to over {$10000.00} ( and possibly up to {$50000.00} ) worth of fraud charges that I am still attempting to be reimbursed for from Discover. These were some of the first charges and if Discover would have taken action, a lot more could have been prevented. 

I have provided police reports, FTC identity theft reports, credit reporting reports, and my own personal expenses to hire experts to prove that my identity was stolen and fraud happened on my card. The following charges in early 2017 should be investigated as they were not authorized. In addition all charges for unauthorized cards should be removed. 

XX/XX/17 XXXX XXXX XXXX XXXX  XXXX CO {$27.00} XX/XX/ XXXX XXXX XXXX XXXX XXXX CO {$9.00} XX/XX/ XXXX XXXX CA {$100.00} XX/XX/ XXXX XXXX CA {$27.00} XX/XX/ XXXX XXXX CA {$51.00} XX/XX/ XXXX XXXX XXXX XXXX XXXX CO {$12.00} XX/XX/17 XXXX XXXX XXXX CA {$190.00}XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$30.00}XX/XX/XXXXXXXX  XXXX CA {$87.00}XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX CO {$30.00} XX/XX/ XXXX XXXX CA {$63.00} XX/XX/ XXXX XXXX XXXX XXXX XXXX CO {$35.00} XX/XX/ XXXX XXXX XXXX  # XXXX XXXX XXXX CO {$53.00}XX/XX/XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX CO {$11.00}XX/XX/XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX CO {$5.00} XX/XX/ XXXX XXXX XXXX  # XXXX XXXX XXXX CO {$25.00}XX/XX/XXXX XXXXXXXX   XXXX CA {$130.00}XX/XX/XXXX XXXX XXXX XXXX NY {$48.00} XX/XX/ XXXX XXXX   XXXX {$110.00} XX/XX/XXXXXXXX   XXXX CA {$60.00} XX/XX/ XXXX XXXX XXXX XXXX CA {$60.00} Up to today Discover has not provide any findings for any of my requests for investigations into fraud. Discover has not provided any evidence that these are legitimate charges. Discover has knowingly sent my credit cards to incorrect addresses to a known fraud user. Discover has provided no monetary response to the financial hardship they have put me through. Discover has falsified or removed their documentation to cover the lack of action. 
I have seen that my current balance is negative. There are no details but a generic balance transfer amount to possibly cover all the fraud charges. However they are not allowing me to close the account and take this money that is owed to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-13
Company: GREAT LAKES
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I got a XXXX XXXX XXXX in XXXX in XXXX. When I graduated, I didn't know my options were limited to making about $ XXXX to pay off my debt, not allowing me to pay rent or other bills. So, I went to XXXX   school and got a XXXX XXXX in XXXX. I went on to become an XXXX XXXX, not realizing that the pay was so poor. Not only were the chances of getting a full-time job teaching college in my field slim, when I finally did get one it paid only $ XXXX. 

Fast forward to XXXX - I got laid off from that job and ended up getting a job in XXXX  XXXX that paid $ XXXX. I eventually switched careers to XXXX in various fields. I decided to go to XXXX school for XXXX  XXXX   to get my credentials in order to make more money. Fast forward to XXXX - I make $ XXXX a year, but now I'm about {$250000.00} in debt, a debt I never imagine ever being out from under. Lesson learned? I was daft to never realize ( 3 TIMES ) that actual college credentials would never afford me a job that would get me a high enough wage to pay off my debt and make more money. Now, I'm sacked with debt and wish I'd never gone to college. Now, I XXXX " XXXX over student debt '' and think about ruining my credit and/or having my wages garnished because that seems like a better option than continuing to pay this possibly for the rest of my life. What happens when I can't afford to pay it? There goes my chances of getting forgiveness - I take out a forbearance only to increase the debt and have that 25 year clock start ticking all over again once I do start paying it. 25 years is a long time. I'll be paying this well into retirement, possibly the rest of my life. I think of giving up. It's just not worth it anymore. Slave to debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: CURO Intermediate Holdings
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
In XX/XX/2019 I applied for a online loan and this company that told me to purchase gift cards and I would have the loan in my account the next day

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: I.C. System, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I C. SYSTEM ONCE AGAIN VIOLATED THE FCRA FDCPA, T.C.P.A. BY FAILING TO VALIDATE SAID DEBT AND WENT ON MY CREDIT REPORTS ANYWAY CALLED MY FAMILY MEMBERS 17 TIMES ( 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 2020-10-18
Company: Experian Information Solutions Inc.
State: GA
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 was a victim of identity theft and i have a car loan that was opened in my name fraudently with credit acceptance. I have filed an ftc report and police report

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 2018-10-08
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I received a call from XXXX XXXX on moday XX/XX/XXXX like at XXXX where they told me that they were can I consolidate my student loan they even told me that they were going to remove {$190.00} from my bank account for 3 months and approximately {$19.00} or {$20.00} starting on XX/XX/XXXX. For a moment I didn't even think about that that call could be a scam. XXXX XXXX   is the company that lent me my student loan. I feel so stupid for giving them my information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ive paid my payments on auto pay each month to Shellpoint But I get a notice that my account is past due by 3+ months yet my bank account shows debits fpr payments to the servicer. I log on to the servicer account and see a whole host of unapplied payments that look to be the cause of the issue. I also paid them to catch up an escrow payment and they did not apply that and continue to show escrow as still due. They are robbing me of my money despite payments made regularly, not applying it at all or delayed, and then sending me notice that Im late and implying extra fees to catch it up. Its extortion and theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation