BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-30
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged overdraft which I expect.. {$35.00}. But an extended overdaft was charged to me a week later for {$25.00}. Its obviously hard enough to pay it back, why make it harder? I 'm already being charged {$12.00} a month to have the account and the make interest on my money.. what the XXXX are they doing for me to cost me so much money??? Its ridiculous. It 's illegal

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 2020-04-23
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PNC Bank XXXX XXXX XXXX XXXX, OH XXXX RE : Banks Failure to Post Payment Today, I received notice from PNC Bank ( Bank ) that our mortgage payment was late ; however, payment was made to the Bank on time, that payment was cashed by the Bank, and the Bank failed to appropriately allocate my payment to my account. 

Upon receiving the referenced late notice, I called PNC Bank Customer Service, where I waited on hold for approximately 10 minutes. When I was finally connected, I spoke to XXXX XXXX. I shared with XXXX, the following : 2 checks sent in one envelope to the bank, with the payment slip totaling {$2500.00} ( as done in prior months, with extra going to principal ) o Check # XXXX ( XXXX XXXX XXXX XXXX  ) - {$1500.00} was cashed by the Bank onXX/XX/XXXX o Check # XXXX XXXX XXXX XXXX XXXX XXXX  ) - {$1000.00} was cashed by the Bank on XX/XX/ Both checks included the account number XXXX advised that the payment for {$1000.00} ( # XXXX ) was applied to my account ; however, the other check ( {$1500.00}, # XXXX ) was not applied to my account. XXXX then requested a supervisor to review the account, but due to excessive wait times and heavy call volume, a supervisor was unavailable. As a result, XXXX was opening a research ticket into the matter. 

I am requesting immediate and full resolution to this matter, with written notice of the resolution, incorporating the following : The late payment of {$62.00} removed from account Any and all credit bureau reporting corrected, noting that this is a Bank error A copy of this letter has been sent to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am a cardholder of Chase Sapphire Reserve credit card, which provides Trip Cancellation/Interruption Insurance. Earlier this year my wife has an accident and had to take a XXXX, thus we have to cancel our family trip which we booked through Chase Travel Portal. Later on we filed a claim with Card Benefit Services who handled Trip Cancellation Insurance for Chase. But it has been 2 months since I started the claim and provided all required document, the case status is still pending, and it is VERY HARD to get any update from them. 

Timeline : XX/XX/XXXX. Booked a family trip ( non-refundable ) through Chase Travel Portal on XX/XX/XXXX XX/XX/XXXX. My wife had an accident. 
XX/XX/XXXX. My wife had a XXXX. The doctor did n't recommend any travel, so we had to cancel the trip on XX/XX/XXXX. 
XX/XX/XXXX. Submitted the claim ( case # : XXXX ) and uploaded certain documents on their website ( XXXX XXXX XXXX ). Card Benefit Service emailed me to ask me to provide additional documents. 
XX/XX/XXXX. Sent additional documents by email to ( XXXX ). 
XX/XX/XXXX. No response. so I re-sent the documents and explanation by email to ( XXXX ) XXXX/XXXX/XXXX. Still no response. So I sent one more email to ( XXXX ), asking about the status XX/XX/XXXX. Got email reply " If you attached documents for your claim, your examiner will contact you within 5 business days. '' XX/XX/XXXX. I updated all the documents again on their website under my claim. 
XX/XX/XXXX. By end of day, claim status still shows " You claim status is pending because the documentation listed below has been requested or we have recently received your document and are currently in the review process. Kindly allow 5 business days from our receipt of any documentation for review to advise you of the next steps. '' Note : Ever since the beginning, Card Benefit Service promise to get back to customer claim within 5 business days after submitting documents. But in my case, they never did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. This item is reporting late as reported in Transunion XXXX XXXX. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( 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 2020-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Last year Bank of America changed their rates which led to an underpayment ( I set up my payments to be paid automatically through bill pay ) which caused a late payment in XX/XX/2019. My credit is meticulous and I ALWAYS pay on time. Bank of America never notified me of the rate change, therefore, violating Reg Z ( failure to provide written notice of a rate change ). Had I received this I would have adjusted my payments in bill pay and never would have incurred a late payment.

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 2022-03-23
Company: Experian Information Solutions Inc.
State: SC
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:
Someone has my personal information and is using it to damage my credit by opening multiple accounts. I'm not sure what this is or what it could be.

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 2022-03-23
Company: CCB Credit Serivces, 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: 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 have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I old the card like XXXX and they add interest of XXXX, of total of % XXXX i call to see if they can reduce the amount to what really i old, and XXXX of the costumer services star talk to me agresive and say he dont care, he dont old money iam who old the money. this happe today at XXXX pm- XXXX/XXXX/XXXX. 

I dont pay any money becaus ethe action of the worker, and i call back to talk to a XXXX  but he refuse to collect the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: WASHINGTON FEDERAL BANK
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After discussing the property and current rates with Washington Federal XXXX I signed a rate lock at XXXX XXXX  on XXXX/XXXX/XXXX at XXXX and returned it to the bank. This morning, the bank manager for the branch in XXXX, New Mexico, XXXX XXXX called me and told me they were raising the rate to XXXX XXXX and said that it was because of the size of the property and the number of outbuildings. The outbuildings they are reffering to are non-permanent sheds on the property and the bank manager was aware of both the property size and the outbuildings when she gave me the original rate lock. I told her that I would be issuing a complaint with the CFPB and she said she would try to convince the underwriter to drop it to XXXX XXXX She also told me that if I wanted to proceed with the loan, I would have to accept those terms. We are not in a position to start shopping for a bank again as we are trying to close on this property as soon as possible to get our family of 6 out of a 2 bedroom rental property and have our property delivered from storage. The fact that they changed the terms when they already had all of the information on the property and had offered to let us lock the rate at XXXX XXXX  seems very unethical to me and I would like the CFPB to contact them with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Paypal Holdings, Inc
State: HI
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:
In XX/XX/XXXX. 4 couples booked tours with XXXX XXXX XXXX, for which we each paid {$1900.00}. Then 2 months later, XX/XX/XXXX, Covid 19 was surging, XXXX had severe outbreaks and Americans were not allowed to travel there. 
Our payment ( Non-refundable ) was made in good faith with all intentions to travel. In late XX/XX/XXXX, when it was apparent that we could not travel due to Covid I wrote my XXXX billing ( paid through Paypal ) dispute department to request a credit for a trip that we were unable to take. They eventually found against me, because the company, XXXX XXXX XXXX was willing to extend our payment for XXXX. We still could NOT travel in XXXX. 

It is now XX/XX/XXXX, Covid continues to be a problem in XXXX, the XXXX XXXX XXXX is ongoing, we are XXXX years old and have been at a loss of our {$1900.00} for two years. 

I humbly request your assistence as a consumer who is being penalized for something beyond my control to get Paypal and XXXX to reverse this {$1900.00} charge made in XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Blackhawk Network Holdings Inc.
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: Card was charged for something you did not purchase with the card

Complaint:
My debit gift card card was fraudulently used and the entire balance was spent. I purchased the card on X/XX/2017 at the XXXX in XXXX XXXX Ca and loaded a balance of {$500.00}. My card was fraudulently used, charged {$500.00} and drained at the XXXX XXXX in XXXX, CA on X/XX/2017. I contacted Blackhawk network ( BHN ) immediately when I noticed the fraudulent charge. The gift card never left my possession. I submitted the transaction dispute form to BHN on XX/XX/XXXX. I have tried to contact BHN multiple times regarding the dispute and have received no information and have not received a refund of the fraudulent transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
received a call from a friend today stating that HSBC called her to tell me i would be receiving a lawsuit paperwork and they needed to contact me to deliver. They also called both my sons from a blocked number with same information. then a lady called me and said I was being sued and they needed to tell me to be home monday ( they had my address XXXX to receive the papers. She gave me a number to call. No company name. I called XXXX and was told to give them a number -- XXXX which i did, they had my full name and social and said they were a mediatation company and that HSBC were sueing me over a debt I owed. They said they sent a letter in XXXX last year. I said I never got a letter.. I said I had a credit card in XXXX, but it was a time barred debt. They said I had made a payment in XXXX and they had 10 years to sue me for the debt and I said they did not and they hung up on me and that they were a mediatation firm. It is my understanding that I was living in california at the time and it was a 3 year time limit on consumer debt. I live in alabama now and it is 4 years. From what I see it is time barred. I also went back in some old files and found that I had responded to XXXX XXXX XXXX about a HSBC # XXXX acct they were trying to collect from a letter XXXX XXXX and sent them a certified letter which they did not respond to.sent XXXX of XXXX in which they alleged that I made a payment in XXXX, which I did not and looked at my old bank records going back to XXXX XXXX. Please help. I feel that they are scamming me on a time barred debt that was sold and was a zombie debt. thanks XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
on XX/XX/XXXX, i applied for a auto refinance with capital one. they have not provided a copy of the contract. They paid off the vehicle by XX/XX/XXXX, which also invalidated my registration for my vehicle due to title change. Capital one never advised i would have issues with registering or using my vehicle. i subsequently noticed my tag was expiring and i visited the XXXX XXXX tax collector office that also houses vehicle registration. They advised that the vehicle is no longer legal to drive. i sent the paperwork required by Capital One on XX/XX/XXXX. On XX/XX/XXXX i began calling capital One, they advised nothing they could do, waiting on title. The previous leinholder sent the title to Capital One on XX/XX/XXXX. Capital One claimed they did not receive the title until XX/XX/XXXX. They advised they sent the information to Florida XXXX, but their website advises it could take a few months to process. I have no terms, or contract. I was not told I would be without the financed vehicle for months. everything this company has done has been deceptive. i advised i should be compensated per day for all the time i do not have the vehicle i am paying fir and they said that two months was within their correct processing time which was never communicated to me. They should be investigated for their auto refi process as a whole, there is no detail available anywhere from capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX is writing this letter on my behalf and there aren't no 3rd party involved. I recently check my credit report and notice inquiries on my consumer report that wasnt me. I have attached my document

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 2017-12-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian has XXXX/XXXX XXXX XXXX XXXX on a Your Accounts that may be considered negative. 

XXXX XXXX XXXX XXXX 3 Different Loans XXXX/XXXX  XXXX XXXX XXXX Transferred the loan. I did not request nor have nothing to do with the transfer or the sale of the Student Loan. 

All my student loans was deferred so how or why does Experian have them showing late. 

Your accounts that may be considered negative by Experian has issues for the time that they have that goes good as I see 8 years as By XX/XX/XXXX 2023 this account is Scheduled to go positive status. so how is it that it takes 8 to 9 years on some accounts if your paying on time to go Positive and for the past 2 years its been paid It seems Experian just create things on credit files and incorrect information they gather and it makes no sense as I look at my report it takes or the wording that Experian uses to create may be considered negative that 's very vague with one way or the other.

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 2022-03-23
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I have to collections on my credit reports from a company by the name of LVNV FUNDING LLC one in the amount of {$400.00} and the other {$790.00} from XXXX and XXXX. I am unable to work due to one of my children becoming sick and XXXX. I am now forced to use his social security for me, 4 children to make a living off of I am unable to pay any of my debts old and Im just wishing someone could please help me get these debts removed. I also have collections from XXXX ( XXXX XXXX XXXX ) for {$420.00} from XXXX and one from XXXX XXXX XXXX for {$430.00} in XXXX please help me get this removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX XXXX Account Number : XXXX Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX XXXX Name of Account : XXXX Name of Account : XXXX XXXX Name of Account : XXXX XXXX Name of Account : XXXX Name of Account : XXXX XXXX Name of Account : XXXX  Name of Account : XXXX XXXX Name of Account : XXXX Name of Account : XXXX XXXX  Name of Account : XXXX XXXX XXXX Name of Account : XXXX XXXX XXXX XXXX XXXX Name of Account : XXXXXXXX XXXX XXXX Name of Account : XXXX Name of Account : XXXX  Name of Account : XXXX XXXX Name of Account : XXXX Name of Account : XXXX XXXX XXXX Name of Account : XXXX XXXX Name of Account : XXXX  XXXX Name of Account : XXXX XXXX XXXX Name of Account : XXXX Name of Account : XXXX XXXX Name of Account : XXXX XXXX Name of Account : XXXX XXXX Name of Account : XXXX XXXX XXXX Name of Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally has restricted my ability to make payments, receive statements, or view applied payments. When I sign in, it says " no vehicles ''. When I have spoken to Ally, they said I can no longer make payments online, but have not been able to tell me why I can not view my billing statements or payments applied. They have provided zero resolution. I received an email that says my billing statement is now available, by yet ca n't see it since Ally restricted my internet access. I also made a payment, and have no idea if they applied it. I 'm entitled to statements and should be able to see what payments have been applied. Attached is a picture of what I see when I sign in, everyone though I have been assured I can view my vehicle.

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 2022-10-03
Company: Central States Recovery, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
this is their original response to the first complaint I filed We have received your correspondence for the above account. We have terminated all collection efforts, and instructed XXXX, XXXX and XXXX to delete this matter from your credit history without delay. If you require additional information, please advise our office IT IS STILL SHOWING UP ON MY CREDIT REPORT WITH ALL THREE CREDIT REPORTING AGENCIES I DEMAND THIS BE REMOVED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Cullimore & Coleman, PLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The apartment complex : XXXX XXXX XXXX XXXX  and their debt collector/rep : Cullimore & Coleman Are attempting to collect a debt I do not owe. 

I have never lived in the apartment complex nor does the aforementioned companies have proof of me staying living at this residence. 

The companies have threatened to sue me. 

This XXXXXXXX XXXX and harassment is damaging my career this affecting my livelihood and health

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: Experian Information Solutions Inc.
State: NM
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 continues to show my account as delinquent on my big 3 credit reports even though I have provided evidence that the original account was due to identity theft/fraud.

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