BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-17
Company: Lending Club Corp
State: OK
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 recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to XXXX, XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX stating the inaccuracies on my credit report. 

Account Name : XXXX  Account Number : XXXX Account Name : Lending Club Corp Account Number : XXXX XXXX. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes. 

2. The date of last activity you are reporting for the below accounts dont match. 


The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please see attached proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: PNC Bank N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In an attempt to transfer funds from my bank account to my wedding venue coordinator, I was stopped with a message. The message claimed cut ties or inability to link accounts for some odd reason. Please fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I received a letter from XXXX XXXX, stating that they have ceased collection, on the XXXX account for XXXX. It still remains on my XXXX credit 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 2020-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This is my 5th complaint about Bank of America and my Home Equity. I have been dealing with BOA since XX/XX/XXXX because I was XXXX dollars behind in payments. I have been working with XXXX XXXX for months now. Ms. XXXX sent me a letter on XX/XX/XXXX saying to continue making the payment of {$380.00} ( I have enclosed this letter ). I simply can not continue to make two escrow  payments. I am reaching out to you for the 5th time because I am afraid BOA wants to take my home or continue to charge me outrageous fees. 

On XX/XX/XXXX. I received yet another XXXX shipment from BOA saying my modification had been approved ( I am enclosing these documents ) as well and my payment would be {$130.00}. 
Also, none of the payments I made has been applied to my account. I am against closing out this complaint. I don't trust BOA. This account is over 10 years old and my balance is more than my original loan amount.

This is a reference.

( This is my 4th complaint. I have never got a resolution. I have paid over XXXX dollars to Bank of America. My next stop is litigation. " I am submitting another complaint because I could not upload all the documents ''. This has been an ongoing nightmare for 18 months. I applied for a mortgage modification because I was in default for XXXX on XX/XX/XXXX. XXXX. It was a payment of XXXX. Bank Of American prolonged this until XX/XX/XXXX, because they wanted to add fees to the account. I sent in document after document for 11 months. I could not pay the XXXX dollars off because they added XXXX dollars to the total amount. When I got the document papers, I was told the trial payment was for almost XXXX instead of the XXXX I was told they added escrow payments. I pay escrow payments to my primary mortgage. I sent document after document to Bank of America. I paid XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I was told my payment for XXXX was XXXX. Ironically, a paid the payment with a representative. I received a note from BOA saying my bank account was not found. ( enclosed ) On XXXX XXXX I received another document from BOA entitled trial modification ( these are enclosed ) saying my payments would be {$380.00}. The documents had to be received by XX/XX/XXXX. Again they added the escrow and added in {$2.00}, XXXX. They keep adding these " third party expenses '' to my balance. They have added it 3 times. I am begging your agency to help me. I am enclosing my primary mortgage statement to verify I am paying my escrow to XXXX. I am enclosing the documents that BOA sent me. I am enclosing the XXXX payment that BOA claims they cant find my account at XXXX XXXX  )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-09
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Public Service Loan Forgiveness. I have been dealing with these people for a year. First I submitted all required forms in XX/XX/XXXX/XX/XX/XXXX. I should have been forgiven as of XX/XX/XXXX. They had me submit employment cert form at least 3 times which I did. They told me not to make further payments in XX/XX/XXXX because my app was on " appeal ''. I missed XX/XX/XXXX at their instruction. Later I was told that that information was erroneous.I timely paid XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I was told to make 1 payment for XX/XX/XXXX and re-cert my employment. I re-certified my employment and called to make a payment. I was assured that it would be credited to XX/XX/XXXX. It was not. I have been told many contradictory things. I was told that the prior servicer informed them that I was in forebearance from XX/XX/XXXX-XX/XX/XXXX. That is not true. I uploaded bank statements and activity which show my student loan was being directly paid from my bank account during that time. I have requested a copy of my files ( FOIA ) and received nothing. I have received no word except that my loan, which was supposed to be forgiven in XX/XX/XXXX has now been reported delinquent to credit companies.I am still receiving bills for money that I do not, by law, owe. Because of this, my credit score went from XXXX to XXXX. I have been refused home improvement loans for a new roof. I did get one loan for a roof for which I have to pay exorbitant interest. I have complained via phone and email have have heard absolutely nothing. The government has completely ruined me and has not been following the law. I have been paying student loans on IBR at least since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-09
Company: 77 Elite
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called a student loan company that said they would help me stop garnishment of my paycheck for student loans. I was told to make a upfront fee to them. I paid over {$1500.00} to this company as stated in my bank statement it shows XXXX in Florida for the amounts of {$280.00} and there are six payments made to this company. As you can see this company is the same as 77 Elite it is the same address and location. 77 Elite stated I never made any payments and that is a complete lie because as you can see they are in the same address. I think this might be a scam and they just changed names. I have for the past year sent all documents requested but yet this company has not helped stop my garnishment like they said they would. This company has done nothing but constantly say they are working on it and need more documents. How much do you need. They were quick to take my money but have done nothing to help me. They are a scam.

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 2020-06-25
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
PNC is refusing to allow my account link to XXXX. XXXX has the necessary selections and even logs me into the PNC account during linkage. PNC does not allow the usage to proceed any further. I can not transfer funds to/from my brokerage as PNC does not allow linkage to XXXX from their website despite allowing other brokerage links.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: J. Ritter Law P.C.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This law firm contacted me regarding an alleged debt. They are in violation of 15 USC 1692e ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 contacted all three Credit Bureaus/Agencies ( XXXX, XXXX, TransUnion ) and the Creditors ( XXXX XXXX, Tn Child Support, XXXX, XXXX XXXX, XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must 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 explanation
Consumer complaint received 2018-06-09
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am current client of XXXX cable and internet services. I pay my bill monthly, but they sent me a collection notice for {$360.00} to CREDIT MANAGEMENT LP. I can't get a straight answer from anyone I speak with. Customer service isn't proficient enough to handle my requests to have this removed. They say there was a change in plan ( without my authorization ) thus creating a termination fee resulting in the {$360.00} now due to the above-mentioned collection agency. I would like this to be removed from my credit report along with the balance due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17
Company: U.S. BANCORP
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On Sunday XX/XX/2021 I noted a new account being opened connected to my US Bank while viewing accounts online. I immediately contacted US Bank fraud number and reported the event. My account was locked pending affidavit of fraud. On XX/XX/2021 I withdrew much of the money in checking and moved it to a different bank and have been changing auto draft instructions for bills paid with automatic withdrawal. 

The account was opened with my name minus the suffix " XXXX '' which is on the main account, plus home address and social security account. 

I was victim of identity theft on year ago when an emergency business loan for {$9800.00} was obtained from the SBA with information off a data breach. That crime is under investigation for the past nine months. 

My credit has been locked for the past 9 months.

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 2020-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I received a notice dated XX/XX/XXXX saying my escrow account was going to be short and that my monthly escrow payment of {$330.00} was going to be increased to {$770.00}. I contacted Bank of America in XXXX or XXXX of XXXX about this issue. I told them that there is no way that their calculation is correct. They stated that the algorithm determines how much I will owe and that the only way to change it is to wait until the tax bill comes out. 

The tax bill came out and my first installment was paid by Bank of America using my escrow account in XX/XX/XXXX. The algorithm calculation of what was going to be owed on my taxes was clearly wrong, yet Bank of America continues to charge me {$770.00} per month. When Bank of America made those first tax installment payments on XX/XX/XXXX, they should have done reanalyzing of my escrow because of the obvious inconsistencies with their estimation which was requiring such a large monthly escrow payment ( Well over the legally allowed cushion ). 

My breakdown of what should be in my escrow account is as follows : XXXX Tax Bill Home : {$4100.00} ( First installment : {$2200.00} ; Second Installment : {$1900.00} ) XXXX Tax Bill Parking Spot : {$670.00} ( First Installment : XXXX ; Second Installment : {$300.00} ) Homeowners Insurance : {$430.00} Total due in XXXX : {$5200.00} I faxed over the yearly tax statements to Bank of America on XX/XX/XXXX so that they can not claim that their estimation is correct, but paying this large amount every month has been extremely difficult for 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 monetary relief
Consumer complaint received 2021-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them.

Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via UCC-1 with the Secretary of State.

This is my last warning before I proceed to bringing legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I was told that I could get a free copy of my credit report every year, but TransUnion refuses to give me one. 

I noticed fraud on my XXXX and XXXX credit reports, so I called the loan company and the police. The police asked me to bring all three credit reports when filing a police report. I also wanted to see if the fraud was shown on my TransUnion credit report. When I tried to view my free TransUnion credit report, I was unable to do so. Instead, I was directed to a website that charged me {$20.00} for " credit monitoring '' ( not what I am complaining about ). I was on the phone with Trans Union until my cell phone battery died, but I was still unable to get my free credit report. I was told  that it would be 37-100 days ( at a minimum ) until the credit report would be available. 

I will also be asking the local law enforcement to contact TransUnion directly to see if they can get the information that I was denied.

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 2021-01-20
Company: Santander Consumer USA Holdings Inc.
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX : I was contacted by XXXX XXXX XXXX ( agent name given was XXXX XXXX ) regarding a debt with Santander Consumer USA Corp. I was told I owed {$3200.00} and Santander were seeking legal action against me. I advised this debt was settled in XXXX. The debt collector proceeded to tell me this was a scam and the amount I paid didn't go toward the debt. 
I backtracked and ended up with a Santander compliance officer named XXXX XXXX. Mr. XXXX called XXXX with me and asked XXXX about a cease and desist order Santander had against XXXX XXXX, and to speak with the owner of XXXX XXXX XXXX, XXXX XXXX, and XXXX hung up. I have not heard from XXXX XXXX XXXX since. 

XX/XX/XXXX : I was contacted by a company called XXXX XXXX. The agent stated their name was XXXX XXXX with mediations and resolutions. Phone number on my caller ID was XXXX. I was advised Santander sold them my account " two weeks ago ''. I was threatened a tax lien and wage garnishment. The debt was {$4000.00}, however, they would settle for {$1000.00} and the government would pay the rest through a Covid 19 grant. Once I paid them, I would get a paid in full letter. 

I have a paid in full letter from when this debt was settled in XXXX of XXXX. I also received a 1099C from Santander for the XXXX tax year for their write off. 

This complaint is against XXXX XXXX XXXX and XXXXXXXX XXXX for trying to collect a false debt. Also for Santander Consumer USA Corporation for releasing my personal information to these scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My American Express Membership Rewards account is " under review '' by American Express. They have given me no indication as to what prompted the review, and now they are telling me that I can not access my rewards points for 6-8 weeks. When I attempt to escalate the issue, I'm told that there is nothing they can do, so I need to wait 6-8 weeks to access the points I earned by spending money on their credit cards. Not only this, but the error message that appeared to me when I attempted to transfer points was that I was unable to transfer due to " selling or transferring to someone else 's account '' which is completely untrue. The frequent flier account I attempted to transfer to ( XXXX XXXX ) is my account and I was able to link it with my Membership Rewards account without issue. I was given no phone call or email stating that my account was " under review '' and I am not given any information without reaching out first. I was also told by the first representative with American Express that it was simply an issue on the airline 's end, which made me waste another hour of my time calling the airline. The 6-8 week timeline without access to my hard earned rewards is completely ridiculous. It is predatory to allow a customer to accumulate rewards for years ( I have banked with American Express since XX/XX/2014 ) and suddenly freeze their account without notice and notification, and at the same time tell me there is nothing that can be done for an absurd timeline. I made a transfer several months ago without issue, and there have been no changes to my account since that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: General Motors Financial Company, 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: Account information incorrect

Complaint:
These accounts are fraudulent and need to be deleted from my credit report as soon as possible. I am a victim of false information and did. Please delete these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists the fraudulent accounts. I have also made a complaint with the CFPB. Please remove these alleged accounts as they are causing a substantial amount of harm and inconvenience to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, 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:
XXXX XXXX XXXX has contacted all three credit bureaus via letter to remove a charge off status. Both XXXX and Equifax refuse to update my credit report appropriately, despite having the letter from the creditor. They continue to update and leave the CO ( charge off ) status on several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
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: Information belongs to someone else

Complaint:
Starting in XXXX I sent dispute letters to the bureau in regards to each account. They responded with by sending me a credit report saying that they were verified. In XXXX I responded with another dispute letter stating that if you verified I would like a hard copy and method of verification. The bureau responded with again another credit report stating that each account was verified. I have rights and and under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), to have the bureau provide proof of each and every account within 15 days. If not all accounts should be deleted. The bureau has not provided any type of proof of any account on my report besides the word verified.

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