BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-14
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
The following late payments are billing errors pursuant to 15 USC 1666b

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 2021-11-03
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I want to make you aware of the pain a lot of Americans are suffering due to the BBVA PNC merger. In my specific case, PNC withdrew money from my checking account without my authorization. They unilaterally enrolled me in automatic payments of my mortgage even though I did not consent nor was I informed. My mortgage under BBVA was not set up for automatic payments. So, I paid my XXXX mortgage on XX/XX/XXXX. I had to do it over the phone because PNCs online banking is not working. I paid my regular amount plus a principal curtailment. The payment went through. On XX/XX/XXXX I saw that my checking account had been debited on XX/XX/XXXX for the mortgage. This means PNC took out two mortgage payments the one on XX/XX/XXXX was without my consent. It has been an ordeal to get any kind of customer service. I get bounced around from person to person. Finally, I talked to a representative that admitted that I had not consented to be enrolled in automatic payments. She told me I would be credited. I havent. I called another person and he lied and said he had a written consent I had given to BBVA. I explained that the consent he was referring to was for a construction loan that had been paid off on XXXX but that I never signed a consent form for the mortgage and BBVA had never withdrawn mortgage payments automatically from my account. He agreed with me. It has been 3 days and my money is still gone. They refuse to electronically credit my account. They insist on sending me a check. The amount taken by PNC is close to {$3300.00}. Luckily I can live without that money but what if I lived paycheck to paycheck like many of my fellow Americans? What if because of their greed other payments had bounced? I have been reading comments on social media of other victims. What happened to me happened to others. It seems that PNC has been enrolling BBVA customers on automatic payments without their consent or without notification. My grandma would say this is just plain stealing. 

Banks have been getting away with a lot of bad things for a long time. To make things worse the government keeps allowing all these mergers which have resulted in fewer options and less protections for the consumer. 

Thanks for your time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have student loans with Navient. They are all Federal Student Loans. I can provide detailed payment logs that include weekly payments of student loans that show I was still making payments for years while being on IDR of XXXX based on income. When recertifications for IDR 2020 ( before COVID ), my required amount became 100+ dollars, ok I thought to myself, Ill keep weekly payments going and I should be ok, no. It appears Navient has charged me a late fee, and all payments made I believed were being added to my actual loans only went to interest. The payment of 100+ dollars that I was told would start in XX/XX/2020, I have only paid around 50 dollars to, oh and Im past due because it actually started repayment in XXXX???? Not to mention a XXXX $ student loan that I never received is on my account as needing to be repaid. How do I pay a loan I never received. Navient has stated they can Accommodate me by placing my account in forbearance For 30 days to remove the XXXX late fee. Wait I thought that process adds more interest to an already outrageous amount due. This is a shame, a consumer thinks they are doing the best they can with little the have and loan sharks like Navient give wrong information and take their money. If I would have known that interest would have accrued even on IDR while making payments I would have kept XXXX. And not attempted to pay extra. Shame on me for being honest and wanting to get ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Resurgent Capital Services L.P.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I spoke with XXXX at The Office of the President at XXXX XXXX   about some open account issues on my credit report. These open accounts show the following open accounts by XXXX  and or their creditor collection : acct number original Dollar Amount card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After having CFPB investigate the account of LLC Funding/LVNV, their response was that they no longer had the account and sent it back to XXXX XXXX. Furthermore after speaking with XXXX at The Office of the President at XXXX XXXX, she insists that they do not have the account that they closed the account. She was well aware that I am on XXXX, which makes my income collection proof and judgement proof.My credit reports by all three credit bureaus continue to have this listed on my reports. It is false reporting and I would like it removed from my credit report as to not hinder my credit progress in the future. I feel like I am being given the " run-around '' by XXXX XXXX  and it's collection practices. XXXX at The Office of the President at XXXX XXXX  was not helpful in resolving the matter and did not give me information as to why this is still being reported as " open collections '' on my credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: JH Portfolio Debt Equities, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from a company called XXXX XXXX XXXX XXXX out of XXXX, GA. In that letter it discussed a credit card debt from XXXX that I swear I had paid, which was {$35.00}. Anyway XXXX XXXX offered me a settlement of {$82.00} of the amount of {$330.00} they said I owed. I paid it immediately. I was contacted several times by JH Portfolio Debt Equities saying I owed the amount of # XXXX. I informed them several times that the debt had been settled through XXXX XXXX XXXX. I was told there was no record. I have since learned from XXXX XXXX that JH Portfolio Debt Equities called on XX/XX/2018 to verify that it indeed had been settled. XXXX XXXX XXXX, said they spoke to XXXX from JH Portfolio Debt Equities and confirmed this account had been settled. Now I receive additional mail from JH Portfolio Debt Equities informing that I still owe {$240.00}. That most recent correspondence from JH Portfolio was mailed to me on XX/XX/2018. I also received another correspondence from XXXX XXXX XXXX showing the discount I had paid to settle but showing the {$240.00} as amount owed and when I called them to question this, they told me the letters are standard and to see the small print that says, the referenced account had been settled in the office. I argued that the letter is misleading and the amount owed should reference a zero amount since I was offered a discount price to settle and performed on that offer. I have tried unsuccessfully to contact JH Portfolio Debt Equities as you are supposed to leave a message at their number, XXXX and the mailbox is always full. I have called 17 times today and can not get a hold of anyone. I have called XXXX XXXX XXXX at XXXX and they said it shows as paid on their end. In the meantime my credit report shows the full amount as charged off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX BofA charged my account a fee. I asked for an appointment to determine the reason for the fee. The bank associate at XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX reviewed my entire account history to inception of XX/XX/XXXX and called me to talk about specific deposits made to an investment firm dated in XX/XX/XXXX. This is in no way related to my inquiry, and was done without my consent. This was a violation of my privacy. I have made several calls and complaints and received no return calls. My initial issue over the fee was not addressed or resolved.

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 2017-09-20
Company: Experian Information Solutions Inc.
State: TN
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:
several accts were previously mentioned : XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX have reported to me the accounts are no longer due. I have sent this information certified mail and am lied to my face over the phone saying they never got the letter I sent XXXX times now. all bureaus refuses to remove data and insist on reselling it. motion to sue demanded under any jurisdiction or level. refusal to comply is not an option under fcra. complaint is escalated and never resolved. complaint is not frivilous, I have letters in my hand.

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2021-11-03
Company: EQUIFAX, INC.
State: NY
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, XXXX XXXX XXXX, a consumer, demanded XXXX and Equifax to remove accounts off of my credit report. I have sent over four dispute letters, and one of them is an affidavit. The first dispute letter to remove the accounts described in the letter was on XX/XX/2021, the second dispute letter was sent on XX/XX/2021, the third dispute letter was sent on XX/XX/2021. Lastly, the fourth dispute letter which was an affidavit of truth, was sent on XX/XX/2021. 

XXXX and Equifax continue to violate my consumer rights due to their negligence and failure to comply. Both, XXXX and Equifax, violated my consumer rights under 15 U.S.C. Sec. 1681i ( a ), must complete the reinvestigation within 30 days of receipt of the dispute letters. As well as, pursuant to 15 U.S. Code Sec. 1681 ( b ) XXXX and Equifax does not have permission to report these accounts on my behalf. For violation I am entitled and seeking a total of {$2000.00} from each company. I have also sent and attached an invoice of {$2000.00} along with the affidavit of truth dispute letter as a result in damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Midwest Recovery Systems
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:
On XX/XX/XXXX. I noticed an unknown collection from Midwest recovery on my credit report. I contacted Midwest recovery to get more information. They stated I need to pay the {$700.00} from an account from XX/XX/XXXX. I informed that I was not aware of any account and to send verification authorizing to collect. I have yet to receive this from each call for over month now. I also informed them that this account is over the 4 year Texas statute of limitations for them to collect from anyone being that they said the account was from XX/XX/XXXX. 7 years later. Please have them remove this from my credit report expeditiously as this unknown account is over the 4 year texas limitations and 7 years to post to credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Convergent Resources, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Convergent outsourcing sent me a letter dated XX/XX/21. They claimed that I owed XXXX XXXX {$390.00} and that they would settle with me for {$270.00}. This is a fraudulent claim because I have no current account with 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 2020-09-25
Company: EQUIFAX, INC.
State: NV
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 been working on my credit since XXXX of 2020, I realized there were accounts on my report that I did not authorize or approve of. I did lose my purse almost 10 years ago. I didn't think anyone was using my information till I started looking over my credit. I filed a police report and identity theft report. I then went to dispute the accounts through the credit bureau and they have not erased them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I went on a Saturday XX/XX/XXXX on Chase branch on XXXX XXXX XXXX  XXXX XXXX in XXXX to open a prepaid card, the guy was super nice and asked for my documents and I provided him with 2 IDs and proof of address and I left the bank with my prepaid card, I deposited money in the bank  and was using my card normally over the weekend a few cash deposits a few debit transactions, Going thru the online banking, I saw a good deal to open a checking account so I did open online a checking and savings account on Saturday night, and kept using the accounts normally on Monday morning I woke up whe I got to work my online banking was locked, I called chase and the lady said that the account was suspended all I had to do is stop at a chase branch with my ID and they would close my account and open new accounts, on the next day I went to chase bank by my house in front of XXXX hospital the lady at the bank ask for my ID and I give her the ID and she start to make a phone call and she put me on the with someone that told me Chase was ending the relationship with me and I could no longer have chase accounts, and I ask why all they say was because of transactions on my checking account, I though with myself but Isnt that what checking account are for? And the transactions was about 4 debit card transactions and 3 Cash deposits, wich left me a balance of {$40.00} approximately the lady that was speaking to me was extremely rude, she said that I owed the bank money because there was a few transactions that had not going thru including a deposit of {$100.00} that my BF sent me thru his chase account, I mean if didnt go thru how it shows up on my account, she wanted me to pay chase right away, I said that I wasnt going to pay anything because the money was debit to my bf account and she made me going they this embarrassent of asking my bf to call the bank and she really was treating me like she was superior or something! I never felt more humiliated in my whole life, she was really desrespectfull, and today I got a letter I. Mail says that the accounts were closed because of suspicious transactions or I didnt provided the documents they asked!! I was like! Really? Because of what transaction? XXXX MTA? They just lied straight to my face! And treated me like I had a really contagious disease, I think is not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: FORD MOTOR CREDIT CO.
State: TN
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:
On XXXX XXXX 2016 I purchased a new XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. everything was good until l started to have warranty issues with the truck. I had it to the dealer 4 times for the same issue to try and get it corrected. Ford motor Company was going to fill it under the lemon law as they could not find a solution to repair. They even took the truck to their Tech Center in XXXX Michigan to have the engineers try to find a solution since they had ten more vehicles with the same issue being brought to dealers. I made payments even when they were working on it at first. During this time I had numerous conversations with Ford Reps and I was told since they were going through the lemon law process that i did not have to make payments as I was not in possession of the vehicle the manufacture was in possession. It took 3 months for them to find a solution to the issues with the XXXX XXXX XXXX XXXX. When they told me i could get me truck back i accepted the vehicle and began to make payments like normal. I spoke with Ford Credit about the issue and they agreed the account should not show delinquent and in fact their own web site shows me as being current. I do not understand why this erroneous information is on my credit report. If Ford Motor Credit can show on their site that i am current what is the problem with the credit report. I am at the point to getting a lawyer and get this straightened out. You would think that Ford Motor Company whether it be the manufacturer or their financial branch would be able to get an issue like this straight but that has not been the case. Ford Credits response to me was well this is Ford Motor Credit we are not Ford Motor Company. But they share the same corporate hierarchy. the new CEO is over both divisions. My payments are XXXX and my balance is XXXX. My trucks VIN is XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX they did a hard inquiry pull on my credit that I DID NOT allow XXXX XXXX XXXX XXXX Hard inquiry pull on my credit that i DID NOT allow XXXX XXXX XXXX XXXXXXXX Hard inquiry pull on my credit that i DID NOT allow XXXX XXXX XXXXXXXX Hard inquiry pull on my credit that i DID NOT allow XXXX XXXX  XXXX XXXX Hard inquiry pull on my credit that i DID NOT allow XXXX XXXX Hard inquiry pull on my credit that i DID NOT allow XXXX XXXX XXXX XXXXXXXX Hard inquiry pull on my credit that i DID NOT allow XXXX XXXX XXXX XXXX XXXX Hard inquiry pull on my credit that i DID NOT allow XXXX XXXXXXXX Hard inquiry pull on my credit that i DID NOT allow XXXX XXXX bank XXXX Hard inquiry pull on my credit that i DID NOT allow XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Hard inquiry pull on my credit that i DID NOT allow I DID NOT ALLOW this company 's to pull or check credit for any given reason they had contacted me about there services and business and i was NOT interested and i feel the still checked into my credit without my permission and now i have all these hard inquiry 's on my credit. please remove these accounts on my credit so i can further in building my credit and do things necessary that i can accomplish thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
my personal account was closed without notice and without cause. I spoke to everyone at the bank that i could reach, but no one can tell me why my account was closed and why i was not notified. 

I found out my account was closed when my transactions started to get returned. 

And now, they will not let me withdraw the money. they said I have to wait till I receive a letter and can not tell me when and how I can withdraw my money. 

this can cause a customer a great deal of harm. I can not use my funds and have all sorts of running expenses to support a family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: CITIBANK, N.A.
State: MS
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 had a credit card that was sent to a collection agency by the card issuer. The collection agency that they chose to collect this debt sent me a letter offering a settle for less than full balance. 
I paid this amount and requested the amount be corrected to a XXXX  balance on my credit report through XXXX credit reporting agency. They responded with a statement showing that the original creditor states that the balance is correct.

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