BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
RE : File # XXXX I 'm complaining because Transunion have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the accounts that I disputed in writing back in XX/XX/XXXX. On XX/XX/XXXX, I sent them a dispute letter requesting that they verify all data for the disputed accounts and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the accounts, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. <P/>I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. 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 2020-02-13
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were behind on our mortgage in XXXX of XXXX. Statement from Ocwen dated XX/XX/XXXX said the total reinstatement amount was XXXX. On XX/XX/XXXX we paid XXXX which was the past due reinstatement amount plus the payment due on XX/XX/XXXX. Our regular monthly payment was {$590.00}. Our next statement dated XX/XX/XXXX which should have been for XXXX due XX/XX/XXXX had a total amount due of {$1600.00}. The charges were for our XXXX payment ( XXXX ) plus a ( XXXX ) title search fee date XX/XX/XXXX and a ( {$310.00} ) charge for title report dated XX/XX/XXXX. Not sure how you get a title report before a title search but that's neither here nor there. The search and report were done 20 days after we brought our account current. The mortgage originated in XXXX. So what purpose was there for this charge? On XX/XX/XXXX we paid the XX/XX/XXXX regular monthly payment plus late fees even though it wasn't late as per their 15 day grace period. On the statement it breaks down what they say is owed into different categories. 
Regular monthly, past due payments, Past due fees/other charges The first 2 statements had the XXXX due for past due fees/other charges. The 3rd month they switched it to past due payment charges. As in we missed payments. 
I have addressed ocwen about this issue. And the many many other issues we have dealt with over the past 16 years and have never got anything resolved. From the very start of this loan when the closing agent/broker ( XXXX  XXXX  and or XXXX  XXXX  XXXX  ) pulled a fast one on us at closing by having the final truth in lending disclosure statement on top with the financed amount of XXXX showing for lender XXXX XXXX and going over that one page with us then distracted us by non stop talking while the rest of the pile was signed and initialed with a loan amount of XXXX was what was being reflected on the rest of the documents. And an unexplained XXXX increase in our principal balance in XXXX. And plenty of other issues as well including a falsified Corporate Assignment of Mortgage signed by an employee of Ocwen as VP of XXXX  XXXX XXXX, filed XXXX of XXXX on behalf of XXXX XXXX XXXX  as trustee for XXXX. From XXXX XXXX XXXX f/k/a XXXX  XXXX  XXXX  ( our original lender and servicer ) whom swore under oath in XXXX that it neither owned nor serviced any residential mortgages on that date. If they sold our note prior to XXXX to XXXX  why did they wait til XXXX to record that assignment with our county recorder? We just are at our limits. We cant find any remedy and cant take the abuse any longer. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2021-09-20
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My coinbase account has been locked for weeks. They say that it is under review and that in a few days it will be ready, but they have been that way for a long time. I have money stored in that account and I can not withdraw it due to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: PNC Bank N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
PNC has violated my consumer rights. PNC has violated the FDIC. PNC has charged my account overdraft fees for transactions that have not posted and has stated that transactions have posted before and after deposits have been made. PNC has refused to reverse the charges. 

PNC is violating multiple federal laws by even charging " overdraft fees '' and ATM fees. 

I am prepared to forward this complaint to the Missouri Attorney General. 

I have already placed a complaint with the FTC under ID # XXXX for fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-10
Company: KLS Financial Services, Inc
State: VA
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 filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and i haven't received any investigations results

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 2018-12-03
Company: Berlin-Wheeler, Inc. (Kansas)
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX Account Number : XXXX Date : XX/XX/2018 Amount : {$230.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
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: Information belongs to someone else

Complaint:
Every year I check my credit just to make sure I'm on target with my goals ; well, this year upon having my credit pulled, I discovered several items that are NOT mine and I'd like them removed as soon as possible. I also took the liberty of contacting the police and FTC for your convenience. These are items from removal : XXXX/XXXX, XXXX, 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 2021-02-12
Company: AmeriCash Holding LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The calls started recently. I defaulted out of my payment plan of $ XXXXmonth due to a stolen debit card, which is where the payments were deducted. I took out an emergency loan of {$320.00} back in XXXX of 2019. I was told that my balance was {$610.00} which is a 52.78 % interest rate. The representative, XXXX XXXX at extension XXXX has been calling me and talking to me in a forceful way and threatening legal action against me such as XXXX wage garnishments, never deducted the payments that were already deducted. ( I no longer work with XXXX. ) Mr XXXX has been so forceful in tone and language, I can barely stay on the phone with him to negotiate the settlement. Also, I was given an ultimatum of wage garnishments or biweekly payments of around {$70.00} for 3 months at a {$400.00} settlement. The settlement should be lower since Ive already made payments. Ive seen many people with {$4500.00} to {$10000.00} loans get treated with more respect. I called on Wednesday because I actually would like to remove this toxic debt. I still received a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: JPMORGAN CHASE & CO.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hi, I opened an account online and made a deposit of {$50000.00} my intention was to wire transfer to myself that money. I was doing it through Chase bank because my current bank ( XXXX XXXX ) doesnt have international wire transfers. After the funds were successfully transferred I made a wire transfer of {$25000.00}. The transfer was cancelled and my online account was blocked so I called to validate my info and unblock my account. After the account was accessible again I called again to ask if was all ok so could make the wire transfer, the agent told me I could so I did but the transfer was cancelled again and my online access blocked again. I called again but this time I had problems and the agent told me I had to go to a branch and I had to explain I was not in USA and because of COVID-19 I  couldnt travel from XXXX to US. I opened a previous complaint and the company responded saying I had to call and authenticate my self so the funds could be released to me. I called customer service and they asked me my phone number so they could send a text to verify, I gave my registered number but they said it was not correct. I told them that was my number and I had an email with the confirmation of that number being activated, I even told the agent I can send a text to XXXX and get information about the account and the agent told me she cant see that and doesnt believe I had access to the account using my number so they said again I have no option but to go to a branch. So even though I gave my SSN, full name, address and date of birth they said they couldnt validate was me because of the phone number. I called a couple of more times and they didnt care about the travel restrictions and all told me I had to wait whatever time to go to a branch. Now the travel restrictions are extended until the end of XXXX and the bank is refusing to return my money. Why the bank didnt block the account when I made the deposit? Why they blocked my account after I made valid transactions allowed by the system? And why after validate my identity several times and requested verification codes several times they still refuse to give my money back? The bank has been unable to explain what was the security risk, the response was that they can block the account unilaterally just because they can. Im attaching the email as proof that my number was activated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
In XXXX of XXXX I filed chapter XXXX bankruptcy I have an auto loan with TD bank I did not list them, As a creditor in my petition I reaffirmed the debt, and continue to make payments of {$530.00} As agreed. 
In XX/XX/XXXX due to covid virus I requested forbearance agreement TD bank stated that they could not communicate with me on account of my Bankruptcy status they also stated that I would not have to make any payments for 60 days something about a cooling off period. between XXXX and XXXX of XXXX I contacted TD bank to find about my auto loan and was told that they could not communicate with me. 
I have tried to honor my obligations with this company, calling repeatedly to speak with an account manager to no avail. 
I have made all of my payments plus late fees the company accessed on my account. 
I have paid up until XX/XX/XXXX I make a payment of {$800.00} in XX/XX/XXXX and another payment in XXXX of XXXX of {$300.00} I owe one payment for XX/XX/XXXX Every monday this company calls my home at XXXX making threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX,2017 I put 2 stop payments on two ACH debits per instructions of Citizens Bank of XXXX NH ( that is by phone ), with specific instructions that the companies might try to change the date, amount, and check number in order to wheedle them through my account. One was not paid and the other was. It was, because it came in a day earlier and with a different amount, but 2 days after the stop payment was put through. At the time I made the stop payments I was clear about this might happening, It was recorded so by the bank gentleman I spoke to. I received copies of the stop payment notices with incorrect information on them. additionally I was charged {$70.00} for the 2 stop payments. Because this was over the XX/XX/XXXX holiday and I was away, I kept sending email messages on my phone through their mobile banking to inform them of the errors. I received a letter saying I should not use email for these complaints. But time was of the essence. I now have {$1.00} in my account until I get paid at the end of the month. Plus I am unable to pay any other bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I alerted my bank that there were fraudulent transaction made on my behalf sending money from my account to someone else. My bank told me they can not do anything for me, even when I told them that I could not have made those transactions. I told them my phone went missing and when someone returned it, one day later I noticed those funds were issued. There ought to be some protection for me as customer of my bank to be able to retrieve my funds. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Sarma
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Sarma Collections in Texas. Per XXXX XXXX my name nor XXXX can not be found in their files. I have never traveled to Texas which is where the XXXX center is located. I have spoken to several Employees at Sarma and the XXXX XXXX to correct this matter. I am not responsible for this debt and would like to have the matter resolved as it is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: EQUIFAX, INC.
State: NY
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:
The following companies checked my credit on those dates and I do not recognize them or can acknowledge. 

On XX/XX/2018 XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX   On XX/XX/2018 XXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX/XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX On XX/XX/2018 XXXX On XX/XX/2018 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Special Financing Company, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Account number : XXXX. I have previously disputed this loan and it was closed unsatisfactorily. I do not have any legal document binding between myself and the loan company yet they keep calling me and trying to forcefully debit my bank account. I attached the loan agreement they used in closing my previous complaint and on top of the sales invoice it says " XXXX XXXX '' as the seller. XXXX XXXX ( XXXX XXXX XXXX ) is the surgeon that operated on me in XXXX of 2015 and not a loan company. I am not obligated to keep paying Special Financing since I do not have any legal signed document between myself and special financing. I have not received any statement of account from them showing itemized payments that were made in the past. Here are a few other complains that I have about this rip-offs : They have been constantly harassing myself and my relatives with several phone calls. This phone calls are embarrassing and should stop. The company in question is special financing company and they are ripping me off every dollar I get with outrageous interest and fees. I received a medical loan of {$3000.00} on XXXX/2015 and they heaped up additional fee of {$2000.00} and the loan keeps going up every day because of their greed. I have proof that the company paid less than {$3000.00} to the surgeons office ( XXXX XXXX XXXX ). I am drowning in financial crises because they have refused to give me an accurate written breakdown of my payments nor did they inform me that my loan of {$3000.00} was going to be bumped up to {$5000.00}. There are also additional hidden fees and late payment charges attached to the {$5000.00}. This is more like a rip off and no one should be subjected to such trauma. I am tired of living in debt to fulfill their outrageous monthly obligations. Please look into this complaint on the fraudulent actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I need to be able to use the new XXXX account

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 2017-12-30
Company: Consumer Portfolio Services, Inc.
State: IL
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 have several unauthorized inquiries and its affecting me getting a loan for my daughter college education. I have several inquiries from XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX I contacted all these places and customer service would not take care of the negative inquiries on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
ftc violations attached Fair Debt Collection Practices Act Great Seal of the United States Long title An act to amend the Consumer Credit Protection Act to prohibit abusive practices by debt collectors.

Acronyms ( colloquial ) FDCPA Enacted by the 95th United States Congress Citations Public law Pub.L. 95109 Statutes at Large 91 Stat. 874 Codification Titles amended Title 15 U.S.C. sections created 15 U.S.C. 16921692p Legislative history Introduced in the House as H.R.5294 by XXXX XXXX XXXX XX/XX/XXXX Passed the House on XX/XX/XXXX Passed the Senate on XX/XX/XXXX with amendment House agreed to Senate amendment on XX/XX/XXXX ( ) Signed into law by President Jimmy Carter on XX/XX/XXXX United States Supreme Court cases Sheriff v. Gillie , No. 15-338, 578 U.S. ___ ( 2016 ) Henson v. Santander Consumer USA Inc., No. 16-349, 582 U.S. ___ ( 2017 ) Rotkiske v. Klemm, No. 18-328, 589 U.S. ___ ( 2019 ) The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ]

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