BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-16
Company: Innovis
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:
Ran a check on my credit. Found numerous credit inquiries. Trying to buy a home but can not because I keep getting unknown inquiries and don't know how to stop it. Also, I think mortgage companies may have ran my credit more than once within a 120 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
After months of back-and-forth with a XXXX XXXX XXXX and weeks of trying to deal with XXXX XXXX regarding unauthorized charges on my bank account and credit card XXXX XXXX XXXX ignored sending me my refund on a secured card in XXXX XXXX simply shut me down with no way to pay off the balance even though there was an authorized charges greatly affecting my credit score and my ability to bank

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 2018-09-12
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, Loancare LLC withdrew my mortgage 3 times, {$2600.00} the first 2 times, and {$2400.00} the third time. This issue was eventually resolved but had a ripple effect across the rest of my bills, as I am currently not able to afford 3 mortgage payments. Over the course of the next year, Loancare would not withdraw the funds on or about the desired date, in some cases waiting until past the due date, in which case they would turn off auto pay, add a late fee and then contact us. In XX/XX/XXXX, we refinanced with them to lower the percentage rate. We had auto-pay set up from the get go, but in XXXX we were notified that they do not use auto-pay so the payments we not pulled. Furthermore, when looking into our Credit Report it came to light that Loancare kept our original mortgage on file, so when we called we were told we had two payments per month to make. We made XXXX and XXXX 's payment, but in XXXX when I called to transfer my payment I was told they would not accept any further payment unless I catch up in full for the months of XXXX, XXXX, XXXX, XXXX and XXXX. My bank, XXXX, is tracking ACH transactions in XXXX and XXXX which withdrew the payments, as well as multiple additional attempts to pull money each month. When I addressed the issue with Loancare, they told me they had no records of the XXXX/XXXX   payments and I needed to contact XXXX, which I did promptly, leading to a conference call between myself and the two companies. Despite XXXX explaining that they had proof that Loancare had already pulled the payments for XXXX and XXXX, Loancare is insisting that they never received the payments and I must catch up in full. This is causing me to take a Loan out on my Thrift Savings Plan to catch up with the hope that they do not lose this as 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 2018-03-13
Company: Diversified Consultants, 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: Their investigation did not fix an error on your report

Complaint:
I began disputing negative accounts reporting to my credit report beginning in XX/XX/XXXX.

I don't believe these negative accounts are not reporting accurately and are in violation of consumer protection laws. The accounts in question are Diversified Consultants, XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was looking for a place to live on my own with my significant other. We found a place on XXXX XXXX. I contacted them and it all started there they played as a renter and an attorney. I sent over {$1700.00} believing I was doing so for a rental. After the last payment was made we scheduled an appointment so we could sign and get the keys but when I showed up to the home there was a lady living there and she told us it was a scam. 
XX/XX/21 {$40.00} XX/XX/21 {$80.00} XX/XX/21 {$50.00} XX/XX/21 {$280.00} XX/XX/21 {$500.00} XX/XX/21 {$600.00} XX/XX/21 {$170.00} My bank said because they were payments thru zelle that theres nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Plaintiff, XXXX XXXX XXXX, states his complaint as follows : Plaintiff is an individual who now resides in XXXX , Virginia . 
Defendants OneMain Financial Plaintiff entered into a loan agreement with One Main Financial XX/XX/XXXX. 
The original loan amount was {$10000.00} which was deposited in my XXXX XXXX account on XX/XX/XXXX On XX/XX/XXXX One Main mailed a statement which represented a balance of {$10000.00}. Plaintiff inquired about the {$500.00} increase and was informed that it was not part of the loan To date the account has not been adjusted. 
As a result, the interest rate ( MAPR ) exceeds the maximum interest under the MLA.

COUNT I Violation of Military Lending Act 1. Plaintiff incorporates the previous allegations of his Complaint as if fully set forth herein. 
2. Defendants actions as set forth above constitutes violation of the MLA.

3. One Main actions included undisclosed fees which was not verbally expressed to applicant.

4. In addition, One Main actions increased the MAPR over the maximum amount under MLA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Starting XXXX XXXX  i ordered a toaster oven on amazon and returned it. they received it and shows that a credit is due and never got credited. i used my amazon credit card/synchrony bank and still not credited on either account amazon or synchrony. i have called, emailed, mailed, filed a dispute, gone online many times since XXXX, XXXX  to date and have been liied to over and over that it has been credited/fixed and nothing has been done. i paid all but the XXXX and closed the account, but still technically open and they keep charging me fees and interest totaling up to XXXX now. when an item is being disputed they can NOT keep charging interest and fees, its illegal. i have ran out of all sources and ideas in which to get this resolved. 
im a lender and i have many of my customers that also have the same issues with amazon and synchrony.

i have reported this to the XXXX  as well.

i have excellent credit and ill be XXXX  if it gets tarnished or sent to collections when i have proof it was returned and not credited, it shows it right on my amazon account, i have submitted so much proof and calls.

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 monetary relief
Consumer complaint received 2021-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have two complaints relating to BofA : 1. A Cashier check fee charged on XX/XX/XXXX for {$15.00} on my business account ending in XXXX. I should have free cashiers check yet a {$15.00} fee was charged. I'm requesting a {$15.00} credit as I should have free cashiers check. 

2. I paid off my auto loan first quarter of this year and have yet to receive any type of payoff or lien release for the vehicle. I can not sell or trade in my vehicle. I purchased another vehicle and was unable to trade in my XXXX XXXX XXXX weekend. This is an unfair practice that it would take 6 months to get a lien release? I want this lien release overnighted to me as soon as possible so I can sell my vehicle. 

XXXX XXXX XXXX Please have Bank of America provide a written mailed response to my home address on both of these issues.

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 monetary relief
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXXBalance {$480.00} XXXX XXXX-Balance {$6400.00} XXXX  XXXXBalance {$13000.00} XXXX XXXX-Balance {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt from XXXX XXXX XXXX  about a credit card that I never opened. The debt collection agency directed me to this website. The account was opened without my consent. I split up with my ex wife in XXXX of XXXX the account was opened sometime in XXXX using that address where I was living with her. I have never opened anything with XXXX XXXX XXXX  until XX/XX/XXXX when I went for a car loan and dealership checked if XXXX XXXX would offer me a loan. I was denied the loan because they said I have deliquent accounts with them but I never had any account with them. Next thing I notice on my credit report is Portfolio Recovery in debt collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: AMERICAN EXPRESS COMPANY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have sent 3 checks to American Express Card from XXXX Check Sent XXXX Amount {$1500.00} Cleared on XXXX Check Sent XXXX Amount {$1500.00} Cleared on XXXX Check Sent XXXX Amount {$1500.00} Cleared on XXXX All Checks sent to pay American Express Card ending in XXXX XXXX has sent me Proof Of Payment, and I have sent it to American Express American Express says they can not find/identify my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: JPMORGAN CHASE & CO.
State: CA
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:
My Chase United Mileage Plus credit card statement for XX/XX/XXXX, copy attached, shows a credit balance of {$10000.00}. There are 174 credit items listed. The XX/XX/XXXX item for {$3600.00} is the payment on my previous statement. Six items, for {$0.00}, {$99.00}, {$98.00}, {$89.00}, {$5.00}, and {$1.00} were previously identified to Chase as fraudulent. The last three credit items, for {$19.00}, {$14.00} and {$14.00} are correct credit items. The remaining 164 items are erroneous reversals of credit transactions I have previously paid for on my XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX statements. 

I notified Chase on XX/XX/XXXX of the serious error on my account and that it was going to cause serious repercussions on my credit standing. My dentist 's office called me to advise that {$700.00} I had previously paid on my account had been withdrawn from her bank account by Chase. I received a call from XXXX XXXX XXXX XXXX regarding my account. I advised the caller that my account, which I had closed, had been paid in full. The XX/XX/XXXX Chase statement show that four XXXX XXXX XXXX items totaling {$910.00} had been withdrawn from their account. Today, XX/XX/XXXX, I received a call from a collection agency regarding money I owed XXXX XXXX XXXX XXXX. 

I have contacted Chase weekly since my initial call. I have spoken to representatives in their Fraud and Recovery departments. The first Fraud person I spoke with told me all the items were fraud. The Recovery person told me my account would be corrected in a week. Subsequent calls all received unsatisfactory response. 

My credit rating has already been reduced substantially.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-17
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, Thanks for taking this time to review my request. I have a family of XXXX and usually to prevent any issues with shelter expenses we pay our mortgage upfront with our tax refund. We did so for XXXX in hopes that this year would be a normal year. Then Covid Struck and both my husband and I had to collect unemployment. We applied for a forbearance that would have applied from XX/XX/XXXX - XX/XX/XXXX. We also applied for the first 90 extension which is bringing us through XX/XX/XXXX. We continue to receive letters and call from the mortgage servicer that are quite scarey. We have requested our final 90 days which will put us to tax return time since we are in debt up to our eye balls currently as anyone can imagine. However, the mortgage servicer is reporting that we have exhausted our forbearance allowance under the CARES act. However, that isn't the case. Each time I would contact Customer care Here is the verbiage about our request : Forbearance Plan Terms You are entitled to a forbearance for up to 180 days. As part of your Forbearance Plan, we have temporarily paused your monthly mortgage payment amount of {$790.00} for 360 days, the forbearance term you selected. Your forbearance is effective starting XX/XX/XXXX and will expire on XX/XX/XXXX. During this time, you do not need to make any mortgage payments. You may shorten the Forbearance Plan at any time to reduce the amount of payments which are being paused. Additionally, you may request an extension of your forbearance for up to an additional 180 days.

Your account will not be assessed late fees or penalties during the term of the Forbearance Plan. If your loan was current at the time of entering into this Forbearance Plan, then each month you are in the Forbearance Plan, we will report the status of the account to the credit reporting agencies as current. If, however, your loan was delinquent prior to entering into the Forbearance Plan, we will maintain that delinquency status during the term of the Forbearance Plan. If you are able to bring the loan current during the Forbearance Plan, we will report the account as current. The terms of your mortgage remain unchanged.

If you have questions about the terms of your Forbearance Plan, please contact us at XXXX. 


The mortgage services information is as followed : In order to assist you, LoanCare has assigned a Mortgage Resolution Advocate to your loan. 
The Mortgage Resolution contact information is listed below : Mortgage Resolution Advocate : XXXX XXXX Phone Number : XXXX Extension : XXXX Email : XXXX Fax Number for submission of documentation : XXXX I have been placed on hold for 30 minute increments at a time then line disconnects. The treatment has been completely horrible. I would ask for a manager and was told one would call me back and not receive a call.

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 2018-09-12
Company: AMERICAN EXPRESS 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: Information belongs to someone else

Complaint:
This account was billed to a former roommate with my last name provided Amex with copy of billing that does not include my name, they still left on my report. All 3 of my XXXX balance accounts were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: APR or interest rate

Complaint:
I closed this account on XXXX XXXX, XXXX as part an agreement with Citi for me to opt of fufther interest rate increases, and for Citi to waive interest for one year. The interest rate at that time was 8.24 % and was to stay fixed until the account was paid off. Beginning with my statement ending XXXX XXXX, XXXX, the interest rate was increased to 8.49 %

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2020-09-23
Company: Santander Consumer USA Holdings Inc.
State: SC
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:
There is an auto loan that does not belong to me on my report. The company reporting it is Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am refused access to my checking account online unless I agree to a Digital Services User Agreement. Such an agreement is not necessary and has never been required before. It is an intrusion and requires me to be subject to unnecessary online contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Im Writing to you today in shock due to The fact that after reviewing my credit file, I found several errors you are reporting witch are hurting my good name. I expect you to listen to my instructions and get this taken care of swiftly. 

XX/XX/2021 Accounts are being reported with one Bureau and not the other two under date last active. If this is the same account being reported by the same creditor why is the information missing?

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 2019-10-03
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a PNC Virtual Wallet with Performance Select account and funded the account on XX/XX/2019. PNC was running a promotional offer at the time where depositing {$5000.00} and peforming 10 debit card transaction would result in a {$300.00} bonus. The bonus was meant to be payed out 60-90 days after all conditions were met. 

On XX/XX/2019 after meeting all requirements I contacted PNC through secure message and asked them about when the bonus would post to my account. On the same day PNC responded saying funds would post in 60 days and to give them some more time.

On XX/XX/2019 I contacted them asking for the bonus. Again, I was told to wait a little more time for the bonus to post to my account.

On XX/XX/2019 I contacted them asking about the bonus. Now I was told the {$5000.00} deposit I had made does not qualify as it was not a direct deposit of the type they were expecting. 

At this point in time my money had been tied up with PNC for an extended period of time and PNC had committed fraud - stringing me along for months when they should have made their terms clear back on XX/XX/XXXX. They had access to my funds for half a year. 

I contacted PNC letting them know this was unacceptable and they brought in their retail escalation department. I had several conversations with a representative ( 'XXXX ' ). After reviewing my case the representative stated that PNC was going to pay the bonus despite not meeting their direct deposit requirement. Some paperwork had to be completed and she would get back to me in a couple of days. 

XXXX never contacted me again. I left several voicemails asking her to call me back and never received a callback. Finally months later I contact the retail escalation department and a different representative said he would look into the issue. His response after investigation was PNC was not going to pay out the bonus they had promised. PNC seems to have conveniently forgotten the conversation I had with XXXX. 

Additionally all my secure message correspondence showing PNC fraudulent behavior stringing me along for months has been deleted from my secure message account. Luckily I had the foresight to save the correspondence. I have attached it below.

Company response to consumer: Closed with explanation