BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-04
Company: PNC Bank N.A.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX or XXXX, I had initiated a domestic wire transfer from my bank, XXXX XXXX XXXX XXXX to PNC Bank N.A . in the amount of {$54000.00} dollars. I supplied all of the necessary account details for the account at PNC Bank N.A.. Then the next day, I looked at my document, I see that I had provided the account number which was missing one digit, it was missing a zero in the last four numbers of the  account. I proceeded to go back to my bank to initiate the cancellation of the transfer. The XXXX XXXX XXXX XXXX initiated the first recall of wire request on XX/XX/XXXX. No followup response from PNC Bank N.A . so my bank sent another recall request on XX/XX/XXXX. In two weeks ' span of time, I have gone back and forth by phone and to my physical bank in XXXX, Massachusetts to get this sorted out and I am getting to the point of beyond frustration. I had confirmed with the account holder myself and advised that the money has NEVER arrived to her account. Therefore, I have also contacted PNC Help through XXXX which a woman by the name of XXXX is sending my request to resolve this to their Escalation Team. It shouldn't have to get this far already. It is ridiculous with the back and forth phone calls and aggravation of not getting a clear answer on when I was going to get my money back. There is NO reason why PNC Bank N.A . 's Wire Department did not process the recall request as it came to them from my bank TWICE. It is UNACCEPTABLE and makes me angry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Netspend Corporation
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
On XX/XX/2018 XXXX XXXX card company received my XXXX compensation check from the Veterans Affairs Administration and have yet to send the check back or offer a better solution so that I may receive funds. It has put me in a hardship and i risk losing my home and vehicle as they have not yet sent the check back to Veterans Affairs, I desperately need my money and do not understand why they have not send it back yet. It has put me in a terrible hardship. Can someone please help. The check is a little over {$3200.00}. I have called them once last week and once today which is XX/XX/2018.

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 2018-06-19
Company: EQUIFAX, INC.
State: PA
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:
spoken with equifax, XXXX, and XXXX on numerous occasions about my credit score dropping. my credit score was at XXXX then dropped to XXXX, and again on XX/XX/2018 to XXXX now as i stated before i pay for a service to monitor my credit score and or file but to have inconsistencies regarding my score dropping is unreal based upon me paying all my bills on time without delay and decreasing the overall debt ratio of my credit file.in addition i believe that they meaning reporting agencies are deliberately defarud me of my right as an consumer, by not reporting correctly however charging fees for inconsistent reports. i would like to be able to sue in federal court based upon deliberately reporting false information on my credit file and report to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: EQUIFAX, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I submitted an investigation request to Equifax over the summer. Several months have passed, and I still haven't received a response yet. They were supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection account showing on my credit report that I know nothing about with this company The CBE Group. I have not opened anything with them nor do I know who they are. The claim shows an open date of XX/XX/2019 for {$280.00}, now owing {$280.00}. I have tried to dispute this with no success. 

I have not received anything in the mail showing what business this is nor did I receive any collection letters or warnings. This just appeared on my credit. I would like to know what this is and for it to be taken off because I no nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Bank of america is debating my account for {$130.00} and {$140.00} so far and might continue to debit my government card up to around {$700.00} because of purchases made by another individual that had used my card on a mobile phone website XXXX. The items were out of malicious acts and l XXXX wasn't responding due to XXXX reguarding stopping the transactions. I moved from the address and am at a different one altogether and am still followed by the same individual XXXX XXXX. 

XXXX is issuing payments and Bank of America is taking out my payments without talking with me and don't believe me!!! 

Please help! I use that money for rent, food and clothes.

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 2020-11-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Creditors are inaccurately reporting items on my credit report. It was brought to my knowledge and I put in for disputes and answrs over 90 days ago and still nothing has been resolved! I have attactched my letters to prov it ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Experian Information Solutions 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:
Experian is reporting opened date and payment history in these accounts wrong, since this is inaccurate reporting please have them removed from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and 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 2021-06-25
Company: MID-ISLAND MORTGAGE CORP.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/21 i made on online payment to mod island mortgage with an account set up with prior payments cleared. Mid island has acted as a predatory lendor by adding false charges and destroying my credit rating. 
The company has been contacted with their online chat and I was told they are allowed to do it? The account was current and in good standing. 
MID ISLAND MORTGAGE CORP ARE CRIMINALS. THEY ARE THEXX/XX/XXXX OF THE XXXX XXXX STOCK BOILER ROOMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: Experian Information Solutions Inc.
State: AZ
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 payed off the largest of my student loans in full on XX/XX/2020 after negotiating that XXXX XXXX XXXX ( the debt collector for XXXX XXXX have the account completely removed from my credit within 2 reporting dates. They claimed to have submitted the files but there has been no report on my credit to ANY of the beauros, we're now going into XXXX and still nothing.

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 2018-11-06
Company: STERLING JEWELERS, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
In XX/XX/2018 I received a call from a woman saying she worked for XXXX XXXX XXXX XXXX and she had all my information about an account of mine that was in collections. I agreed to allow them to take out {$120.00} from my checking account each month for 6 months until XX/XX/2018. I recently found out that the collection account has not been paid at all. I was scammed out of {$730.00} and can not get in touch with this so called XXXX XXXX. Please help me get my money back. 
-XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sent letters to the 3 major consumer reporting agencies on XX/XX/XXXX and XX/XX/XXXX asking that they remove or block all accounts and inquiries that were showing as a result of fraud. I asked that if any accounts were verified that the proof be sent to me, my request were not honored.

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 2020-08-31
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Consumer Financial Protection Burrow, This attatched is documentation of Experian possible fraudulent activity, please look and read below, thank you. 
The charges were not authorized by me. Experian claimed to increase my credit score by attaching my bank account to the app to show on time bill payments. I did this step and thought nothing of it. 

Today XX/XX/XXXX my husband noticed an Experian charge. I called multiple phone numbers found on the website, internet, and a number given to me by XXXX ( found associated with the charges ) and I could not get a live person or dispute my Experian charge or close my account. I was able to cancel my free membership. 

XXXX has blocked this vender from future withdrawals as well as disputed all 6 charges totaling $ XXXX do not know the outcome of the disputes yet. 

I can not get a live person to dispute this or shut my account down, on Experians end. 

Experian still has my checking account information and I fear that they will use another vender ID to continue to withdraw from my account. I have been unable to close my account as of today XX/XX/2020. 

I ask that the CFPW investigate this and I appreciate your time. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2018-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I recently conducted a review of my credit report, and I noticed that your agency showed two several credit inquiries that I find to be problematic. 
1.XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX 3.XXXX XXXX XXXX  4.XXXX  XXXX 5.XXXX XXXX   XXXX 6.XXXX  XXXX XXXX XXXX 7.XXXX XXXX XXXX 8.XXXX  XXXX 9.XXXX XXXX XXXX XXXX 10. XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX   13.XXXX XXXX XXXX 14.XXXX I contacted these Companies and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.

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 2020-07-04
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper is holding {$3600.00} in tax funds due back to me. Ive spent hours on the phone and theyve yet to identify the location of these funds. They are dragging their feet and missing deadlines on resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: LEXISNEXIS
State: FL
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 XXXX i sent a letter to LEXISNEXIS concerning a bankruptcy thats inaccurate. I challenge the validity of the account # XXXX. They failed to respond to me and its been over 45 days. This is a violation to my consumer rights. Whats the method of verification when when the courts do not provide documentation or verify with me. 
I am requesting the removal of this bankruptcy chapter XXXX # XXXX. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got 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 non-monetary relief
Consumer complaint received 2018-09-04
Company: Amsher Collection Services, Inc.
State: DC
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:
Since XX/XX/XXXX I've tried to get a fraudulent collection agency account deleted from my credit report. I was notified that a XXXX XXXX collection action for {$1400.00} was listed on my XXXX credit report. I called XXXX XXXX and was advised that an account was set up and service provided in Florida using my personal information. I informed them that I never lived in Florida so it was a case of stolen identity, I filed a police report and for the past two years have been trying to get the entry off of my credit report with calls to XXXX XXXX and XXXX. I went online and asked to remove all the incorrect addresses from my report. I also noticed that there are three separate entries for the same XXXX XXXX action with three different collection agencies opened on three separate dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This has made the process of removing the false information even more difficult. I've provided XXXX and XXXX XXXX with all the information to prove the identity theft but the fraudulent delinquency remains on my credit report. 

I appreciate any help you can provide to clarify this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Ocwen Financial Corporation
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:
I have a mortgage with ocwen bank and in XX/XX/2017 I put in for a modification on my mortgage and it was granted in XX/XX/2017 and the company said I didn't have to make any payments until the modification process was completed. But they put on my credit report I was late XX/XX/XXXX and XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: EQUIFAX, INC.
State: FL
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:
I recently conducted a review of my credit report, and I noticed that your agency showed two several credit inquiries that I find to be problematic. 
1.XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX  XXXX 5.XXXX XXXX XXXX 6.XXXX  XXXX XXXX  XXXX 7.XXXX XXXX XXXX 8.XXXX XXXX 9.XXXX XXXX XXXX XXXX 10. XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX  XXXX 13.XXXX XXXX XXXX 14.XXXX  I contacted these Companies and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Navient Solutions, LLC.
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:
For one, I am a US XXXX vet under the old GI bill ( XX/XX/XXXX-XX/XX/XXXX ). Went to college under the old GI. Before college was completed the old GI was canceled thus had to get loans to complete college. I was laid off three times as a XXXX XXXX XXXX thus XXXX income. Sallie Mae/Navient would not help unless I got forebearance. Why was a deferment not afford? ( no one can answer me that question ). All that did was add {$30.00} to a loan of around {$40.00}. I graduated in XX/XX/XXXX and my loans are not even going down even after all this time paying each month. I am XXXX years old and getting close to retirement. How can any one retire with this over my head. You can not tell me that I have not paid back the original amount by now. Also our house hold income has come down at least by a 1/3. Wife has become XXXX and can not work plus she just had a XXXX XXXX removed three weeks ago. So in turn it is pay student loans each month or get and pay for medical help/expenses. No one seems to help anyone. I need some help. I have already spoken to US Department of Education about me not getting any help and got a letter from them. They said to contact the CFPB if needed. Add me to any lawsuit concerning Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Experian Information Solutions Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The dates displayed in the open columns on the XXXX  & XXXX credit reports do not reflect the actual opening dates. Additionally, the 2 accounts listed under XXXX XXXX XXXX are listed as joint accounts when they are in fact individual accounts. The actual opening dates are much older than what is reflected on the reports. Despite disputing the dates previously with the credit bureaus, the only change has been newer opening dates. This is incorrect reporting. According to the Fair Credit Reporting Act of 1970, inaccurate reporting should be removed immediately. 

Regarding Experian credit report, the data recorded is both vague and confusing. Accounts are listed as closed with no payments or further status updates, accounts are also listed as closed with unknown payment status, and missing dates & balances. The dates listed are incorrect and many are listed as more than seven years old. According to the Fair Credit Reporting Act of 1970, inaccurate reporting should be removed immediately. 

Overall, all three bureaus are reporting accounts closed that are well over 7 years old,  with inaccurate balances or payment information missing. According to the Fair Credit Reporting Act of 1970, these items should be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed this claim to no avail, that was listed on my credit report by Hunter Warfield account XXXX, I have never rented a rental property or have knowledge of one and believe this is a fraudulent account. I am requesting that this be removed from all of the credit reporting sites and my report permanently.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation