BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-16
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
as of XX/XX/XXXX i have noticed fraud account ACCOUNT NAME- COMENITY CAPITAL/XXXX ACCOUNT # XXXX XXXX DATE OPENED- XXXX ACCOUNT TYPE- CHARGE CARD STATUS-Account charged off. {$540.00} written off. {$540.00} past due as of XX/XX/XXXX. 
STATUS UPDATED-XXXX XXXXXXXX BALANCEXXXX XXXX Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number-None provided INCOMPLETE ACCOUNT # IS GROUNDS FOR THIS FRAUD ACCOUNT TO BE REMOVED AND DELETED! 
15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 purchased a vehicle from XXXX, the vehicle was repossessed they said they sent a delinquency letter to me within 10 days which in s the law in Georgia. They did not send a letter I submitted it to the credit bureaus they have not fully investigated the problem. There is no bill of sale where they say they sold the vehicle for {$1500.00}. They sold my account to a collection agency without my knowledge. I have a $ XXXX debt with XXXX and they can't provide me with a copy of a bill of sale that I have requested to show proof that the car was sold for the amount they are telling me it was sold for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: PNC Bank N.A.
State: FL
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:
PNC Bank admitted to false advertising in response to a previous CFPB Dispute of mine. PNC stated " PNC reviewed the telephone conversation you had with PNCs Customer Care Center and determined that the representative you spoke with provided you with incorrect information. On XX/XX/2020, an employee incorrectly advised you about Zero Fraud Liability, and that the Account would be credited in two ( 2 ) days ... .However, on behalf of PNC , I apologize for any inconvenience you may have experienced. '' -- -- -- - PNC willingly admits that I was " provided with incorrect information '' on the XX/XX/XXXX phone call and offered an apology for there wrongdoing. -- -- -- -- Also substantial injury occured to me as I the consumer lost money from fraudulent transactions drawn against my account. The cost of PNC Bank to establish a minimum level of due diligence, monitoring, and response procedures to remedy the problem would have only been the cost to train an employee to not provide a customer with false information over the phone, which is far less than the amount of injury to me the consumer that resulted from bank 's avoiding these costs. I could not avoid the harm because both I and PNC reviewed the telephone conversation I had with PNCs Customer Care Center and determined that the representative I spoke with provided me with incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
American Express Serve has allowed my Serve Card to be used by unauthorized individuals in other states and they have stolen my social security benefits which is sent directly to my American Express Serve Card. Over approximately {$1000.00} in social security benefits payments to me has been compromised by the theft of others that I don't know. I have given no one my card to use for any reason whatsoever. On XX/XX/XXXX I received this information regarding a XXXX Treasury : Mon, XX/XX/XXXX, XXXX XXXX ( 2 days ago ) to me Account ending in XXXX Hi XXXX XXXX, Good news! 
You received a Direct Deposit from XXXX XXXX XXXX SEC, and the money is now available in your American Express Serve Account. Please keep this email for your records. 

Transaction Details : From XXXX XXXX XXXX SEC Amount {$540.00} Date available XX/XX/XXXX Transaction ID XXXX Questions or want to learn more about Serve? Visit us at serve.com/help. 
Thanks, The American Express Serve Team However, I am unable to access my funds and other deposits for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have contacted both XXXX and bank of America about 4 transactions to XXXX app on mobile banking where 1number on this contact was incorrect and the name of this individual does not match the name on the account I was sending money to. Bank of America contacted the other bank ( XXXX ) who let the individual know of the mistake and the individual fully declined to return the money to me knowing the money did not belong to them ( XXXX ) XXXX is the number where the money was sent to. I have no idea who this person is or their name or anything.these are the dates of the transactions who were meant to go to feed my daughter but instead landed in the hands of this thief XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX the only reason I found out is that I co-parent and they showed me proof they never received the funds of {$64.00}. I know this is not a large amount to many people but it is to me and I work very hard for this money and I would like it back!

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 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I faxed a complaint to XXXX XXXX  due to late payments reported on my credit report while I was on a COVID forbearance program, as my wife had contracted XXXX  twice in XXXX and was hospitalized, causing a loss of income and increased medical expenses. I included copies of the mortgage statements that they had sent to me during this period of negative reporting, which clearly state on the statement that You are currently on a COVID-19 Forbearance Plan. See additional information related to COVID-19 Forbearance Notice on page 2. The same statements further state : " IMPORTANT COVID-19 FORBEARANCE NOTICE : You are currently on a COVID-19 Forbearance plan. Please note that the billing statement shows the Amount Due, which is the contractual amount needed to bring the loan current, however, you are not required to make any payments during the COVID-19 forbearance period. In addition, your account will not be assessed late charges, receive adverse credit reporting and there will be no foreclosure action during the COVID-19 forbearance period. Please refer to your COVID-19 Forbearance plan letter or visit your account online for more details. '' However, their response was that while the statements indicated the active forbearance there were other letters sent advising that the forbearance was expiring. However, I extended the covid forbearance and they don't have any documentation stating the forbearance expired or was extended, even though they continued it for a period thereafter. 
Furthermore, when I asked for reinstatement options they referred me to the State of Texas website which indicated that my income was too " high '' for any programs and I had to come up with twenty four months of payments in one lump sum to avoid foreclosure. I paid over {$29000.00} to keep my house after being on a government backed forbearance program. How did anyone expect to pay all the months that were deferred in one lump sum payment? Also, during the forbearance period XXXX would not accept partial payments. This was a terrible and frightening experience to have the threat of losing our house after dealing with Covid. I feel XXXX is not supportive of the governments efforts nor the situations that some of their borrowers faced on these unprecedented times. And I would also ask why the government programs could not help all Americans that were on these deferred programs. 
I have been unable to refinance this mortgage or obtain credit due to these marks. It has had an extremely detrimental effect on our lives.

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 2018-04-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello CFPB I am writing about my account with citibank. My account was closed due to inactivity but i never notified or informed that it will be closed. This is my oldest account since 2012 i really can not lose this account because it will have significant effect to my credit overall. Please intervene to reopen my account. 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 non-monetary relief
Consumer complaint received 2023-05-17
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was sick in XX/XX/2023. I had XXXX  XXXX & requested for Forbearance from XXXX XXXX via Shellpoint Mortgage Servicing LLC, Loan Servicer, but unfortunately, Shellpoint Mortgage Servicing LLC didn't forward my request to Fannie Mae, the Investor of my Loan. I have Doctor 's Letter to support my statement & can be shared, if requested. It's very unfortunate that Shellpoint Mortgage Servicing LLC is Possibly violating Cares Act & may also involved in Possible Discrimination. I strongly believe that Shellpoint Mortgage Servicing LLC is behaving this with me because I am a Minority, Person of XXXX, XXXX XXXX XXXX XXXX. 
I want CFPB to take action against Shellpoint Mortgage Servicing LLC for harassing People of XXXX & Minorities & not proving requested relief as per the Cares Act & start an investigation by Department of Justice for possible Discrimination & possible violation of Cares Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: TD BANK US HOLDING COMPANY
State: MD
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:
This account is being re-aged. My credit card account has reported multiple chargeoffs.This item is being reported inaccuratley and not congruent on your credit. Because of this negative reporting, the creditor is attempting to increase credit damage, and coerce payment by making the debt appear newer in age. This is a clear violation and this is hindering my ability to borrow. The " date of last payment '' and " date last active '' are all reporting different dates on all 3 credit bureaus. ( see attached ) Please delete this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 
Company Inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX. XXXX XXXX XXXX  XXXX  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 explanation
Consumer complaint received 2021-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX called XXXX to confirm an potential order placed would arrive by XX/XX/XXXX XX/XX/XXXX XXXX  rep confirmed deliver in 3-7 days by phone XX/XX/XXXX placed ordered monoscope for Christmas gifts XX/XX/XXXX order charge to my Capital One Card XX/XX/XXXX XXXX  provide order # XXXX XX/XX/XXXX to XX/XX/XXXX made 7 documented requests for a tracking number XX/XX/XXXX XXXX said was packed and sent to courier ( documented from XXXX  ) XX/XX/XXXX No tracking number, XXXX committed to provide tracking # in 48 hours XX/XX/XXXX No tracking number after 48 hours XX/XX/XXXX Consumer cancelled order ( documented from consumer to merchant ) XX/XX/XXXX Filed dispute with Capital One XX/XX/XXXX Filed complaint with Virginia State Attorney General case # XXXX XX/XX/XXXX Filed complaint with Consumer Affairs, case report # XXXX XX/XX/XXXX Filed complaints with XXXX XXXX XXXX, XXXX confirmed receipt XX/XX/XXXX Filed complaint with FTC confirmation report # XXXX XX/XX/XXXX Capital One correctly removed all 3 charges related to this purchase XX/XX/XXXX XXXX  shipped items ordered via XXXX with XXXX tracking # XX/XX/XXXX Consumer accessed XXXX and completed an online redirect to sender XX/XX/XXXX Confirmation of the XXXX redirect was printed by consumer XX/XX/XXXX Capital One issued a letter stating the charges will be " reapplied '' XX/XX/XXXX Consumer opened a dispute case with Capital One XX/XX/XXXX Online Case link was provided by Capital One to Consumer XX/XX/XXXX Consumer provided purchase receipt of XX/XX/XXXX, cancelation of XX/XX/XXXX XX/XX/XXXX Consumer provided document confirming XXXX  XX/XX/XXXX shipping XX/XX/XXXX Consumer received the items ordered in the USPS residents mail box XX/XX/XXXX Consumer requested merchant provide a postage paid return label XX/XX/XXXX Merchant Refused ( merchant responses are in writing ) XX/XX/XXXX to XX/XX/XXXX Consumer evidenced order was cancelled PRIOR to shipment XX/XX/XXXX Merchant offered 20 % on the items or return at consumer expense XX/XX/XXXX Consumer Returned via USPS priority sent return receipts to Capital One XX/XX/XXXX Consumer Sent Return Confirmation and USPS receipt with tracking # XX/XX/XXXX Capital One and Merchant USPS tracking documents were sent online My complaint is that a merchant can ship AFTER an order is confirmed as cancelled under all the above circumstances AND charge the consumer to be burdened with the expense of the return. This is clearly an unfair and deceptive business practice. Therefore, I am filing this complaint. In addition I offer support and participation of any class-action suit against, XXXX, and or their affiliates for damages should such a case be brought before XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Conn's, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Date of last activity is incorrect and inconsistent between 3 bureaus. XXXX 's date is 3 months different from XXXX and the discrepancy will cause a delay in my homebuying. I've tried to dispute online and the dispute was rejected since I've disputed the account before. Prior dispute was for a different reason. I called XXXX  and they still allege the date they have reported. 

I do not think Conn 's has validated this debt with proper support. So they are in violation as well as the credit bureaus for not removing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: The J. G. Wentworth Company
State: CA
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 closed a loan with JG Wentworth the end of XX/XX/XXXX, and in XX/XX/XXXX they transferred the servicing of the loan to XXXX XXXX. 

I paid my loan on time, but in XX/XX/XXXX JG Wentworth reported my loan as 30-days late on payments ... ( the loan was sold to XXXX in XX/XX/XXXX ). 

I attempted to correct this problem but JG Wentworth will not return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Square Inc
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/20 around. XXXX CST an estimated amount of {$2800.00} was transferred out of my account onto a debit card that didn't belong to me and refuses to attempt yo resolve this issue. I did not authorize this transaction and I need my money to be available to me as it has always been.Please take this matter urgent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
About XX/XX/XXXX, I had my business account with wells fargo. I banked with them for 33 years. I had a problem making payments, and a lady called me from the bank asking for the money. I told her I would have my lawyer talk to her about a payment arrangement, and she said she would not work with my lawyer. I didn't want to deal with her. she was very rude. My business loan was for about {$90000.00}. 
I wasn't able to make their high payments and about XX/XX/XXXX, I had about {$11000.00} in my bank account. it was all the money I had to run my business and survive. One morning, I went to pay for parts and found out Wells Fargo simply stole all of the money right out of my account, and left me to survive in the world with {$1100.00}. That's all the money I had to run a business, pay my rent, food, feed and take care of my elderly mother, sister and XXXX nieces and nephews and more. I was devastated, and because of what they did to me, I had to file bankruptcy to try to survive and live. I made it through the horror Wells Fargo Bank put me through. 
The reason I am writing you is because I see that the CFPB got a huge judgment against Wells Fargo, and I was so happy to see that you did that and make them pay for their business practices of attacking helpless people and taking their money. Wells Fargo will contend that they were legally allowed to do that, maybe that's true, but taking everything from someone on purpose and leaving them to die with no money is a practice that should stop. They should have to go through a legal process like everyone else and not simply take everything from someone and leave them vulnerable and helpless and with no money to take care of their family and survive. It was very vindictive and mean to treat a customer like that who was a customer for 33 years. 
They took {$10000.00} from me and left me with almost nothing. It was very traumatic, and I almost didn't make it because of them. 
I hope you can go after them and make it so they can't do this to another person ever again. That bank makes billions and preys on people with nothing. I bet this is a common practice for them and they did this to hundreds of thousands of people over the years. They should be forced to return the money. Taking all of someone's money can lead to XXXX XXXX, and even worse thoughts. It's like a person is having a difficult time making a living during a recession, then the bank comes in and takes everything you have, without notice. This should never happen to anyone, it devastates their life. 

You should get the money back for the other victims like me that went through this experience, and fine them billions until they learn to treat people fairly. 

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 2018-10-01
Company: PORTFOLIO RECOVERY ASSOCIATES 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 do not owe the PORTFOLIO RECOVERY charges they keep claiming I need to pay to them or someone else. It's so frustrating and it's also affecting my credit history. I just paid my Student Loans and that is showing that I'm a very responsible person to make my payments on time if they are mine to make.

Company response to consumer: Closed with non-monetary relief