BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I made a payment of {$93.00} to XXXX XXXX XXXX in order to close an account that was delinquent. I was told that my credit report would be updated.As of XX/XX/XXXX the account is still showing as delinquent on my credit report. I received a paid in full letter but my account status has not changed in over two years.

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 2021-07-10
Company: CL Holdings LLC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
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:
I am a survivor of fraud and didn't make the charges. I ask that the things be obstructed to address my 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 2020-06-30
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Stop and cease all contact methods!!!! I didnt approve the opening of this account. Someone opened the account with all my information. STOP SENDING LETTERS, YOU ARE VIOLATING MY RIGHTS UNDER THE FCRA REQUIREMENTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Receivable management is falsely reporting a debt not owed on behalf of XXXX XXXX! In addition they are attempting to re-age the account on my credit report by increasing and decreasing the balance by {$1.00} multiple times a month. As a result, it updates the last activity and appears that this Is an open account instead of a charged off collection. This is against the law especially because theyve failed to validate the account and give me the right to dispute. Ive attached proof of their practices. 

Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. 

My rights dictate my ability to obtain this information and until it is properly and factually updated, cease reporting to all credit bureaus and delete this account from XXXX  upon receipt of this complaint. Failure to do so Will result in legal action against your company for its predatory collection processes. 


A debt collector can not charge interest or fees that weren't defined in original contract. ... That's a rule specifically defined in the Fair Debt Collection Practices Act ( FDCPA ). So, if this contract didn't include a late fee, then a collector can't tack one on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: OLD NATIONAL BANCORP
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I WAS CONTACTED BY THIS SAID COMPANY XXXX XXXX XXXX XXXX XXXX XXXX. THEY TOLD ME THEY HAD A BUYER FOR MY TIMESHARE. WELL THAT WAS NOT THE CASE. THEY ONLY WANTED TO STEAL MY MONEY AND NEVER BE HEARD FROM AGAIN. I PAID THEM SEVERAL TIMES ; XX/XX/XXXX XXXX XXXX  XXXX MY VISA DEBIT XX/XX/XXXX XXXX XXXX-XXXX WIRE FROM MY BANK XX/XX/XXXX XXXX XXXX-XXXX WIRE FROM MY BANK XX/XX/XXXX XXXX XXXX-XXXX WIRE FROM MY BANK XX/XX/XXXX XXXX XXXX-XXXX  WIRE FROM MY BANK I ALSO FILED WITH THE ATTORNEY GENERALS OFFICE AND I AM GETTING BACK MONEY FROM XXXX XXXX BUT ITS NOT THE FULL AMOUNT I PAID TO THEM. ATTORNEY GENERAL HAS ME RECIEVING XXXX A MONTH UNTIL I GET BACK XXXX BUT I PAID THEM XXXX ALL TOGETHER. WAS PRAYING THAT MAYBE I COULD GET THE FULL AMOUNT I PAID THEM BACK WITH SOME HELP FROM CFPB. I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME. THIS IS SENIOR CITIZEN ABUSE AND IT JUST ISNT RIGHT THAT THESE SAID COMPANIES ARE ABLE TO TAKE FROM ELDERLY PEOPLE LIKE THIS. PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: EQUIFAX, INC.
State: CO
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: Other problem getting your report or credit score

Complaint:
On today 's date, XX/XX/2019 i have made my second phone call to Equifax regarding existing dispute remarks. 

For security purposes, I was asked " what is the month an year when you'd last time you received information from Equifax? '' This question was asked to me today by both a representative as well as her supervisor. 

I called a month or two ago, and was asked the same question. My answer is " Its been a few years, can you ask me another question for security verification? '' I was told that these questions are automatically generated, so if i do not know the answer, I can not be helped. 

This is a silly question and my credit specialist agrees. 

This is preventing me from buying a home loan and I need to have dispute remarks removed from my credit report immediately. 

With that, I did request information and dispute remark removal 10-15 business days ago, and I have not heard back. I do not know what more I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: UNITED COMMUNITY BANK
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
United Community Bank , Inc. ( UCBI ) took over XXXX XXXX XXXX XXXX in XX/XX/XXXX. I had my mortgage payment on automatic payment from my account with XXXX XXXX. I have NEVER been late with a mortgage payment. On XX/XX/XXXX I received a threatening letter from UCBI saying my XX/XX/XXXX payment was past due and they may report me to Credit Bureaus ( caps used ). 

XXXX had withdrawn my payment from my account of XX/XX/XXXX. 

In addition to this letter, I received two letters from UCBI threatening to place forced flood insurance in one and forced hazard insurance in the other. Both letter said my insurance had expired. 

I checked with my insurance carrier, XXXX, and was told my food was in full force and due for renewal XX/XX/XXXX. The hazard was in full force and due for renewal XX/XX/XXXX. 

I feel UCBI sent these threatening letters rather than using XXXX XXXX XXXX 's records to change declaration page. They took over the bank and its records and customers, we didn't volunteer. 

I don't know if any law was broken ; however, they are not treating former XXXX XXXX XXXX XXXX customers well.

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 2018-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On Saturday XX/XX/XXXX I opened an account at a Bank of America branch and deposited a payroll check for {$14000.00}, withdrew {$4300.00} and deposited the {$10000.00} which the teller told me since the check was drawn from the same bank ( Bank of America ) that there was no hold but take one business day to clear.  Monday morning I find out that b of a is closing my account with out giving me a reason ok thats fine. Im requesting to withdraw my funds of {$10000.00} since they decided to close the account. They put a hold on the check thats already been partially paid to me until it clears and are telling me now its not going to clear until the XX/XX/XXXX. Why is it taking so long to clear a check they issued and originally told me would clear Tuesday XX/XX/20. I am XXXX and need the cash to move as well as help my father with XXXX XXXX and medicine. There is no fraud, no overdraft balance nothing that I did to cause this. I was advised by them when I took the check into the bank that I couldnt cash the check because of the amount was to high as a non customer and they had me open an account to cash the check and then two days later decided to close the account and hold my funds. If I would have known that was going to happen ( remember the teller told me no hold and by Tuesday midnight it would be in there cleared. ) I would have taken the check to my bank so the put me in this place essentially and are now holding my money on a fictitious reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: PNC Bank N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a new cash rewards card with PNC months ago and was suppose to receive a bonus of XXXX dollars when I spent 1000 or more total in three billing cycles. I called PNC numerous times and was asssured I had met this just keep using the card and was just taking sometime. Finally it reach where it was was taken to their complaint department after calling again who called me back recently telling me they dont have any promotions for XXXX dollars back yet its clear as day they do and is posted online still today. So in the response submitted to the CFPB I ask PNC provide all promotions offeres in the last year to current. Furthermore, failing to provide the advertised promotions is possibly a direct violation of unfair predatory banking practices and possible violations to consumers protection acts and the Dodd Frank Acts. Many new accounts were opened with PNC and people arent getting what was advertized which is not only unfair to consumers but other big banks like XXXX and XXXX  XXXX XXXX who have honored their promotions and agreements with consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-24
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Okay so I opened a dispute with Venmo about unauthorized transaction fast forward one day A representative contacts me and says they will Suspend my account until I can secure it and such one day later the dispute begins and I end up winning it now I messaged them and they said they now need me to provide my I.D and such to have my account unsuspended ( note I don't have any of this atm XXXX and when I check why I was suspended it says I'm in violation when I haven't done anything. So now my money is stuck and I need help!! 
Email : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-20
Company: Asset Recovery Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Asset Recovery Solutions has been told to stop contacting me at my work place and has made additional attempts to contact me at work after they were informed orally by myself that my employer does not allow these type of calls at my work place and to stop calling my work immediately and at any time in the future. 

I was initially contacted at my place of work where they left a message for me with colleagues on XX/XX/XXXX. I returned the call and informed them to stop contacting me at my place of work immediately. I informed them to stop contacting me on XX/XX/XXXX @ XXXX XXXX. Additionally, I informed the that I believe the debt that they were collecting on was outside of the statue of limitations. 

Asset Recovery Solutions called me again at my place of work on XX/XX/XXXX and once again left a message with my colleague, which is in legal violation since they have been notified that my employer does not want these type of calls. The individual that called was named XXXX XXXX ( XXXX extension XXXX ). 

This company is in legal violation of calling me at my place of work after I have already informed them that they are not allowed to contact me at work because my employer does not want these type of calls at my office ( informed on XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: AMERICAN EXPRESS COMPANY
State: MT
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I went in to an XXXX store in XXXX, XXXX on the weekend of XX/XX/2017. I was visiting from my home in XXXX. I purchased an item, a briefcase bag. There was no sign displayed detailing a return policy of any sort. I left with the bag. When I got the bag back to my hotel, I noticed a split in the leather at the point where the bag would bend. The next day, I took the bag bad to a second XXXX store because it was closer to my hotel and I was leaving on the plane that day. They told me that they had a special return policy where I could only exchange the bag. Being from XXXX, and afraid that my replacement bag would break in the same way as well, I declined. I next called American Express, my credit card. The agent told me that they could not do anything for me until the charge posted, but that I had purchase protection should the merchant not allow me to return the bag. I was then transferred to the American Express Insurance Company. I stood there at the store counter and filed my claim. The Amex representative told me that my defective bag was eligible for coverage up to 90 days and other plan and claim information. As I was doing this at the store counter, the store manager was listening to me file a claim. He said it was not their store policy but that he would give me a gift card instead. I ASKED the Amex Representative about this, because I did not want a gift card. I live in XXXX, there are no XXXX stores there, I can not use a gift card there. He said very little, just that I could accept a gift card in exchange for the bag. He said nothing about how this would impact my claim for insurance. He still said my claim After speaking to the representative, I left the store with the gift card instead of the defective bag upon the advise of the American Express Insurance representative. American Express Insurance subsequently denied my insurance claim on my credit card because I do n't have the bag. I feel cheated, tricked, and misled by my own credit card. The agent never once told me that I should hold on to the defective bag instead of taking the gift card. He instead told me I could take the gift card and failed to ever mention that it would invalidate my insurance claim that he was filing for me. I subsequently called back and another agent told me " I should have know that a gift card was an excluded item. '' The American Express agent actively led me into a circumstance where they would not have to cover my purchase to their benefit and my detriment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Dear CFPB investigator I have opened this account for just about one month, and today I received my first statement with a {$25.00} service charge. I think it was because I didn't meet the {$7500.00} minimum balance to waive the fee, but I have added an external bank account ending XXXX from XXXX to fund my account, and I saw the account was disappeared after I scheduled an external transfer? So may I know why do People 's United Bank removed my external account and cancelled my external transfer? And could you please ask the bank to waive my {$25.00} fee, which was caused by the bank cancelled my external transfer and not meet the {$7500.00} minimum balance. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.The debt collector didnt speak to the consumer in person or by phone before furnishing XXXX, transunion and XXXX  credit agencies with negative information on my credit reports. Please provide any and all phone records personal notes of in person communication between debt collector and consumer for record.

2. Debt collector failed to provide a letter or message to the consumer about the debt in violation of his right to respond in a reasonable period of time to receive a notice of delinquency. Please provide any and all written communication for record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Experian Information Solutions Inc.
State: MA
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:
Good morning To Whom It May Concern, During my parent 's illnesses, our finance started a downward swirl. While I worked as travel nurse back in XX/XX/XXXX, XXXX XXXX XXXX XXXX   started the foreclosure process, I came back home to help my XXXX dad with this problem. Unfortunately, I was left with this dilemma. I joined XXXX a non-profit group and educated myself about foreclosure. The attorney and I fought against the banks for 5-6years, the Massachusetts Housing Court overturned the foreclosure ruling on my home. I got my home back in XX/XX/XXXX. Since then I was working towards a loan modification program to pay my mortgage. The loan modification was approved on in XX/XX/XXXX. I was on a three months trial which meant ( Paying on Time by XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). The XXXX Preservation Departement reissued the mortgage to my home. 
I paid all of the mortgages as agreed upon the contract as of the current date.

To my surprise, I reviewed my CRA noting XXXX delinquent report for 9months.

I addressed this information with the bank, stating unaware of the report to the bureaus.

This false report is badly reflecting my score while rebuilding my score and hard work.

Please help me find a solution to this problem. I would like to regain my fico score again. I will follow up with the AGO, City Hall Mayor 's office, and my Attorney.

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 2021-07-10
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was first notified that my XXXX account was closed from one of the  credit bureaus a couple of weeks ago. I was never notified of the closure and assumed it was a mistake. Today ( XX/XX/18 ) I called XXXX and they told me that they didnt send me a letter or email because they didnt know if that was my accurate address or email on file and were protecting me. Which is a complete garbage response because you could easily send an email or letter without revealing any personal information. They justified the closing of my account because it says in their T & Cs that they can close my account after 30 months of inactivity which I have no argument about. My issue is that they didnt notify me and give me the opportunity to use my account. That XXXX card is my oldest account and Im really trying to actively manage and improve my credit score and this doesnt help. They said they cant reinstate the account but I can apply for a new one, which Im absolutely NOT doing, particularly because Im trying to manage said credit score. I understand they have to manage their profitability but not notifying me and then telling me theyre doing me a favor is insidious. All of my account information is correct and up to date by the way - I updated it about 8 months ago when I moved to my new address.

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