BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-23
Company: Commonwealth Financial Systems, Inc.
State: AL
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 sent debt validation letters to the following companies XXXX XXXX XXXX XXXX ( XX/XX/2021 ), XXXX XXXX XXXX, XXXX ( XX/XX/2021 ), Commonwealth Financial System ( XX/XX/2021 ), and XXXX XXXX XXXX ( XX/XX/2021 ). 

XXXX  : Has not provided proper validation of the debt owing to me XXXX : has not responded Commonwealth : has not responded XXXX : sent a letter showing a {$0.00} balance with them All the above have been given 30 days to send me validations of these debts with my signature via certified mail. They have reported these debts to the credit bureaus without the validation of the debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: PNC Bank N.A.
State: IN
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/2018I received a notice that PNC bank had issued a 30 day late default on my credit report. In XX/XX/2018 I entered into a PNC personal loan that was supposed to be auto removed from my PNC account.. The first auto removal was in XX/XX/2018 and was deducted correctly. In XX/XX/XXXX I received notice that XX/XX/XXXX payment had not been made. I contacted PNC two separate times around XX/XX/XXXX and was ensured every thing was fine that they are unsure how the situation happened and I was scheduled for auto deduct and every thing should be fine. When I received the notice today I called PNC and after 1.5 hours was able to finally find a person that could figure out what happened with the account. She stated that at some point after to first auto deduct PNC went in and adjusted my rate to reflect the agreed 0.25 deduction for auto deduct payment and that some how messed up PNC 's system and the payment was not taken out. It happened again in XX/XX/XXXX she said, even after I called on 2 different occations and was told it was corrected. I am not late on any payments. My credit should not have been negatively affected this way. This was a PNC error. I am not late on any payments and all payments are up to date. Please remove this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
XXXX is refusing to prove in writing, their validation and verification process on closed accounts that they are reported as " failure to pay ". 
Accounts are closed and not from the original creditors. 
Amounts are incorrect and not the original amount owed. 
Accounts are showing inaccurate non-payments. 
All addresses except : XXXX XXXX XXXX XXXX, CA. XXXX are to be removed All Hard Inquiries except XXXX XXXX were NOT approved by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Problem : XXXX transactions from XXXX can not be traced to the actual account that money was deposited to. 

Background. 
Discovered in XX/XX/XXXX that my XXXX XXXX recipient did not recieve payments that were processed from XX/XX/XXXX to XX/XX/XXXX. The first payment was a {$1.00} ( which was a test for this system ) and the rest of the payments were {$1000.00}. She recieved notifications and accepted the payments via XXXX. Unfortuantely She never actually checked the account that the money was depositing correctly. This account was a secondary account and chase is not her primary bank. The account that she registered her XXXX account with was a savings account. She does not have a checking account through chase. Primary accounts have been checked to see if money was deposited in her other accounts but nothing was found. The discovery was found when Chase contacted the recipient because their account was inactive and was soliciting them for investment options. The balance was reviewed and then the discrepancy was discovered. 

Accounding to Chase customer service XXXX XXXX can not deposit into a savings account and should of returned to my account within the week. I have documentation that all payments left my bank account but never returned. I also have documentation that the intended account never received the XXXX payments. 

The issues that complicate this case is the age of the transaction and that the recipient closed the account when they discovered the issue because they longer wanted to deal with Chase.

My Chase branch manager and staff have done all they can do to try to resolve this problem but because of the age of these transactions they are limited in what they can discover. The Branch and I have found the online support unable to deal with an issue like this and did not seem to know how to escalate it. Someone from " Research '' left a message with a phone number and an extension. I called back many times but was never called back. My branch also called this extension and never received a call back. We have repeated this process several times with no success. 

I need to know if trully this money can not be traced and that I'm not just a victim of poor customer service outside the branch level. I have banked with Chase ever since they bought XXXX XXXX. I do everything through Chase. I have a house payment, my rental house payment, a truck payment, savings, and two credit cards all through Chase. If I can not recover this money then at the very least I need to know what exactly happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My property was Foreclosed on on XX/XX/2016 by, XXXX , XXXX . not in its individual capacity but solely as Owner Trustee for XXXX XXXX XXXX XXXX-1. I believe this was a fraudulent action, and am trying to get answers to long awaited questions, and concerns I have related to this matter. My complaint is that I can not find any viable Trusts in this name. 

I have been filing a specific request to this Association, " Trust, '' and it has continuously been sent to the Servicer, PennyMac. This would have been ok, if they would answer my questions appropriately, yet they have not. They continue to send information I have, know, and am not inquiring about. 
PennyMac continues to respond by explaining very well who 'they ' are, the " SERVICER '' and their role of, and being " SERVICER '', but this is not the information I have asked for, nor need any education in the duties of. 

I evidently need to be even more direct. 
Please do not send this complaint to the SERVICER, Penny Mac. Please send it to the Trusties for, XXXX , XXXX XXXX not in it's individual capacity but solely as Owner Trustee for XXXX XXXX XXXX XXXX. 

1 ) I want to know who XXXX XXXX Financing XXXX is? 

2 ) What does these initials stand for XXXX XXXX? 

3 ) What is their address? 

4 ) Is XXXX XXXX XXXX XXXX actually really Pennymac? 

5 ) Who and what are the names of the Trusties for XXXX XXXX XXXX? 

6 ) What is the filing number for your Association, " Trust '' XXXX XXXX Financing XXXX to do business in the state of Massachusetts which is required by Massachusetts Law under Article 2 of Chapter23.95 RCW?

7 ) What does the date XXXX mean? 

I now expect with this more detailed complaint that I know will be able to receive actual correct responses to my questions rather than the continuing insult to my intelligence. 


Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with CAPITAL ONE AUTO FINAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE AUTO FINAN with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am contacting you to see if you can help me resolve a problem that has been stopping me for years from getting back on my feet. I am a XXXX year old woman. The short story is that, between XXXX and XXXX I was scammed out of more than {$100000.00} by fraudulent lenders. I had a screening process in place which obviously was ineffective, so I continued to believe that the lender I was dealing with was honest. The problem I need help with is that several of those lenders contacted me and agreed to give me the loan. Three or four times, their method was to tell me they would be depositing a check into my checking account to verify it was authentic. Once the check cleared, I was to withdraw the amount of the check and wire it back to them which was when they would be transferring my loan. Each time, the check bounced a few days later. As a result, both the bank and I lost money. The last couple of times, I contacted the bank to make sure the check had cleared. I was assured it had so I did withdraw the funds and wire them back to the " lender ''. I never got a penny from any of them but the worst thing was that, eventually, I was listed on ChexSystems (? ) and I have not been able to open any kind of bank account for the last two years. I did not make a penny from the transactions and, although it was my checking account, the bank did clear the checks before I withdrew the amount of the check. I have receipts for just about every penny that I was scammed out of online. In fact, I have been notified that I will be getting a decent amount from a suit the government has done with XXXX XXXX regarding their participation in these scams. I hope there is someway you can give me to get this cleared up and my name removed from ChexSystems so I can open a checking/savings 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 explanation
Consumer complaint received 2021-06-09
Company: Bonneville Billing and Collections
State: UT
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:
Bonneville Collections and XXXX XXXX XXXX XXXX are double reporting a debt. I recently took a look at my credit and noticed that Bonneville and XXXX  XXXX are double reporting a repo. This is a violation under the FCRA and the FDCPA. I ask that this be resolved immediatley as they are severely affecting my scores unfairly. I am aware that both Bonneville and the XXXX XXXX report to the bureaus as they deem necessary so I need this to be fixed immediatley.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Experian Information Solutions Inc.
State: NC
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/XXXX, I submitted an investigation request to Experian and XXXX XXXX. They are supposed to respond with the results within 30 days, but they have not.

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 2021-06-09
Company: EQUIFAX, 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:
XXXX XXXX XXXX is reporting inaccurate information on my credit via XXXX and Equifax. XXXX basically is re-aging the account when the original reported date of chaarge-off was in XXXX. They have since, began reporting on closed account on XX/XX/XXXX. Which is illegal. Please assist me, the company has not been very responsive. XXXX is no longer reporting this older account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Radius Global Solutions LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Received call from man asking for a relative. Did not identify himself at all during the call, who he was with, or the purpose of his call. Caller ID showed XXXX XXXX XXXX XXXX with is Central Credit Services, a debt collector. I told him him that person does not live here and not to call again. I have no knowledge of any debt ( s ) owed by the relative and the debt collector should not have contacted me for any reason related to the relative 's debt.

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 2021-02-11
Company: General Motors Financial Company, Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX XX/XX/XXXX and XX/XX/2021 someone applied For Loans in My Name Without my consent I Contacted The police but because they were only inquiries they stated that they couldnt do anything for me to contact the credit Bureaus to dispute i called the bureaus place a freeze on my report and fraud alert to stop it from happening again. The bureaus told me to come to this site to get a report so they can resolve the issue So now im here hoping you guys could help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: KBHS Home Loans, LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Claimant allegedly became obligated for a loan on XX/XX/XXXX, however, the alleged NOTE was not signed until XX/XX/XXXX. 
An alleged, loan servicer was assigned on or about XX/XX/XXXX, to collect payments on the alleged loan, and claimants made " good faith '' payments under the assumption that a valid debt existed. 
Claimant sent NOTICE to the President of the company that was the alleged lender on the NOTE on XX/XX/XXXX, by certified mail, requesting clarification of the NOTE terms, no valid clarification was received. See Exhibit A Claimant sent a second NOTICE to the President of the alleged loan company, by certified mail, on XX/XX/XXXX, seeking clarification of the alleged debt, no valid clarification was received. See exhibit B Claimant sent Notice to the Title Company that performed the Closing on the alleged Loan on XX/XX/XXXX, requesting specific information about the alleged loan for verification purposes. No response was provided. See Exhibit C Claimant sent a second Notice by certified mail, to the Title Company for a response on XX/XX/XXXX, no response was provided. See Exhibit D Claimant sent the alleged Servicer a Qualified Written Request ( QWR ) by certified mail on XX/XX/XXXX, the debt was not validated nor did the Servicer provide the name and address of the NOTE HOLDER. See Exhibit E Claimant sent the current alleged Service a QWR on XX/XX/XXXX, by certified mail the alleged debt was not validated nor did the Servicer provide the name and address of the current NOTE HOLDER. See Exhibit F Claimant sent a Notice of Error and Demand for Proof of Claim by certified mail on XX/XX/XXXX, to the current alleged Service. No valid response provided. 
The current servicer who is a third party " debt collector '' failed to send notice of claimants right to dispute the debt in accordance with 15 U.S.C 1692 .The current alleged servicer is sending threatening letters of acceleration of the debt and foreclosure for unpaid alleged loan payments.

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 2021-06-09
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My girlfriends nephew who's XXXX years old had came over for the weekend and stole me and wife 's card info. He made several purchases for XXXX using several of our cards. We noticed several transactions that looked like they were sent to some company in XXXX. I tried to contact Chime bank to let them know the transactions were unauthorized the date they took place XX/XX/XXXX. They still let the transactions go through and then there were several made after I informed them of other transactions. I never made the transactions or received any goods or services. My claim was denied and I was told because the same ip address was used. I tried to dispute again and sent in paperwork I also contacted merchant where funds were sent and was told they're unable to issue refunds but the person who's account the funds were sent to was shut down due to fraud. They gave me a case number to submit to person working on my case but chime said there isn't a way for us to speak to complaint department. 
The date I notified bank of unauthorized transactions was XX/XX/XXXX. The bank asked me to complete written fraud report and still denied my claim.The bank didnt ask me to file police report or handle with merchant. The transactions were as follows : XXXX XXXX {$100.00} XX/XX/XXXX. XXXX  host XXXX {$210.00}. XXXX  host XXXX {$210.00}. XXXX host XXXX {$280.00}. XXXX  host XXXX {$350.00}. XXXX {$59.00}. XXXX.eu {$49.00}. The total of the transactions was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Submitted a previous complaint on this company and have provided verification/documentqtion that I do not owe this debt. I have asked to not be contacted but I receive at least 2 calls per day from the Debt Collector and at this point I am deeming it harassment. I am wanting them to know that I will pursue legal action for harassment should their communication attempts with me continue. Should they need further documentation/information they need to contact the original creditor and NOT me. 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 2018-08-08
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged twice for XXXX XXXX ticket which i cancelled and got refunded for 1 however Citi is not accepting my dispute requests and is not helping me get refund i believe Citi is not understanding that first time when i opened a dispute against XXXX XXXX which I cancelled allowed XXXX XXXX to do a duplicate charge exactly of the same amount which was reversed on XX/XX/XXXX by Citi.

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 2021-03-05
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I've called NAVIENT, and soon after I ask a question, the customer service representative hung up on me. -- I recognize your agency does not care about this, but I do. Since I feel NAVIENT is already not addressing my needs, having its customer service agent hang up on me adds insult to injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Blackhawk Network Holdings Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XXXX  sold me a gift card for XXXX on XX/XX/XXXX XXXX XXXX # XXXX XXXX. They charged me {$85.00}. There is supposed to be {$100.00} in that card. On XX/XX/XXXX, I tried to use that card online. It turns out that the balance of the card is XXXX. They sold me a gift card that has XXXX balance and charged me {$85.00} for it. Essentially, they stole my {$85.00}. I emailed them on XX/XX/XXXX and tried to call them. They will never respond to your emails or calls. I left them 7 voicemails and 14 emails so far over the last 9 days and there's still no response. I once had a similar issue with another gift card seller, called ( XXXX ). They issued me refund instantly. They never ignored my calls and emails. But XXXX  scammed me. I have been waiting for 9 days for an answer from XXXX   and there's nothing. They stole my money and they never respond to me. 

I also already filed a complaint with XXXX against them. 
They never responded to XXXX. 

XXXX will never answer your phone call. 
XXXX  will never respond to your emails. 
Your voicemails will go to trash. 


XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-24
Company: Experian Information Solutions Inc.
State: LA
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:
The attached letter is stating that the questioned accounts are not verified as mine< They do not belong to me.

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