BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
my student loans were originally thru sallie mae they were sent to navient. some how one of the accounts were sent to XXXX XXXX XXXX. i have paid navient in full according to XXXX XXXX, XXXX, and federal student loan website. portfolio recovery says i have not paid my student loan in full and still owe around {$2900.00}. there phone number is XXXX all document of proof of pay of were sent to portfolio recovery, which they didn't accept for proof of pay off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 received my fico score today XX/X/2017, showing I have delinquent accounts on my account that are way over due and I had a 796 credit score and they dropped it down to 700. Since my claim my score has continually risen. I have not taken any loans out or have any delinquent or late payments on anything. I called the credit bureaus and received continuous robots telling me to buy my report. I want this investigated because it is n't true and I want this removed what ever it is. I believe this is in retaliation.

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 2019-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2018 I was on the XXXX airline website to purchase airline tickets. I was offered to double the points, plus other benefits if I would open a XXXX XXXX Mastercard issued by BofA. Two days later on or about XX/XX/XXXX I called BofA and inquire about this offer and when I would see the airline mileage points. I was told by the BofA agent that I wouldn't receive any points for this purchase because the card hasn't been issued. I then asked the agent to cancel my application. Please note at this time of the call BofA had NOT issued me a CC number or mastercard. 

I received a bill from BofA in XX/XX/XXXX and I once again called to correct error and the agent said the card was canceled and I had No fees. 

I received another bill from BofA and I was told because BofA had issued the card I would be forced to pay the XXXX card activation fee. Please note the card was never activated and I attempted to cancel this card two days after the application. 

The advertisement concerning the double points and assign seating was deceptive and BofA had several opportunities to cancel the application. But then why should BofA cancel the application and lose {$89.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-08
Company: Weinberg Mediation Group LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Received a call and voicemail XX/XX/2018. They left the following message : '' This is a final courtesy call from the Weinberg mediation group. Before reporting that you've been uncooperative in the investigation against you. If we do not hear from either yourself or your legal representation today. We will be left with no recourse other than to report your non-compliance in this issue to the proper jurisdiction. Our office number is XXXX. Again that's XXXX. Thank you. Good day '' I have never received any correspondence from this group and did not return phone call due to the unknown. Did not know if they were a legitimate company. However, their tactics are inappropriate.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-10
Company: Flagstar Bank, N.A.
State: MD
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:
Flagstar ( www.flagstar.com ) wrongfully reported my XXXX payment on Loan # XXXX as delinquent to the 3 credit bureaus, causing a significant drop in my credit score. The payment was issued by XXXX on XXXX XXXX ( check # XXXX ) and cashed by Flagstar on XX/XX/2022 ). Despite me providing proof of payment to Flagstar by Email on XX/XX/2022, XXXX XXXX  EST, and several calls afterwards ( Case # XXXX ; Case # XXXX ), Flagstar still decided to notify the Bureau in XXXX damaging my credit history and score for no reason.

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 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted and notified all companies involved : XXXX, TransUnion, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX of the fraudulent account ( s ) reflecting on my credit report. The credit reporting agencies continue to send frivolous responses and reporting inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: TD BANK US HOLDING 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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX I went for my weekly XXXX visit. I usually pay with my TD Visa card. On this particular day I could not use my Visa card. The " XXXX '' had trouble accepting my card. I paid {$35.00} in cash, usual cost of a visit. On my XX/XX/XXXX - XX/XX/2020 TD Visa card statement I was charged {$110.00}. I disputed the charge with Visa. I provided a letter from my doctor stating I paid cash that day. The doctor also informed me that he never received a payment the " XXXX '' either. Talking with Visa they stated that they needed more information from me, but never told me what that information was. Visa denied my claim.

Case # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-01
Company: CNG FINANCIAL CORPORATION
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Check n Go states I took a loan for {$520.00} and they were offering a settlement of {$300.00}. They said the settlement back in XXXX was only good for that particular day, after that it would expire. 

I advised that this debt was time barred. They stated I made an agreement to pay this off in XXXX. This did not happen to my knowledge and they stated they have a recording of the phone call. 

They threatened me with my local court office and are filing a complaint. I can assure you that this debt is time barred simply for the lack of contact by myself and when the loan defaulted. This started in XXXX. For them to find a way to say it was restarted back in XXXX or XXXX is just false. Maybe they started attempts at collections again but nothing was ever agreed upon or spoke about.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This is regarding a business checking account and a merchant services account, The merchant services account was never terminated by the bank in XX/XX/XXXX. 

Citizens bank/ XXXX XXXX  has been debiting fees from my business account for seven years on a merchant services account ( XXXX XXXX ) that was supposed to be terminated in XX/XX/XXXX when we signed up with a new and lower cost merchant services option that was offered by Citizens bank named ( XXXX XXXX XXXX ). 
The local branch was to handle the termination of the old M.S.A when the new one was up and running. Apparently they did not perform this task. 

It was later discovered that during this time XXXX was either acquired or merged with the new titled organization named " XXXX XXXX ". It was the these " XXXX XXXX " debit line items that were not recognized on our business banking statements as charges from " XXXX link  '' and in fact was thought to be some type of third party charge for the new vendor " XXXX XXXX XXXX ". These fees started out very small and then increased and ranged to over $ XXXX/month for a total of {$5100.00} ( Seven years of admin fees on this unused account that was supposed to be terminated in XX/XX/XXXX ). 

When the problem was discovered : in XX/XX/XXXX I made a call to the new vendor " XXXX XXXX   XXXX. I wanted an explanation on what this fee was for and why was it so much? - it was at this time when it was discovered that this fee had nothing to do with the new vendor " XXXX XXXX XXXX. ". The XXXX customer support rep then informed me that the XXXX XXXX fees were from another Merchant services vendor - The old XXXX Link. 

I contacted my local Citizens bank in whom I have been with for over twenty years and they forwarded this matter to " The Chairman of the boards office ". This upper arm of Citizens were only willing to give a refund of the last month of fees and then months later threatened to shut my account down due to an " administrative error ". 
I am seeking the full reimbursement plus interest for seven years. ( {$5100.00} plus interest. ) At no time did Citizens or anyone inform us of this transition. Additionally we never received any XXXX XXXX statements, emails, yearly compliance forms or XXXX tax forms There was nothing ever sent to us that would have alerted that there was a problem and that the old XXXX  Link was now being called XXXX XXXX   and that they never terminated the account in XX/XX/XXXX as they promised. 

The other important issue that really concerns me is the greatly varied and sometimes high monthly fees on this unused merchant services account where no transactions have occurred in seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX is reporting old information to Experian that the other two bureaus have already removed for it being old information. I disputed with both XXXX XXXX XXXX and Experian but it still remains on my Experian account and is hurting my score by about 100 points.

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 2018-06-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
In XX/XX/XXXX, I turned in my leased vehicle per the lease agreement which expired onXX/XX/XXXX. In XX/XX/XXXX I was sent a letter requesting payment of {$290.00}, which was the balance of a disposition fee owed by me, ( see attached ) per the lease agreement. I paid the fee resulting in a XXXX balance on my lease agreement. ( see attached check ). Further investigation on my part with regard to the Motor Vehicle Lease Agreement revealed I was owed the {$570.00} for a refundable security deposit ( see attached lease agreement ).

In XX/XX/XXXX, I called Chase 's End of Term Lease Department about getting the refund. I sent a letter ( see attached ) in XX/XX/XXXX about the refund. On XX/XX/XXXXand XX/XX/XXXX, I called Chase 's End of Term Lease Department about the refund. To date, I have not received reimbursement for the {$570.00} I paid at the time of entering into the lease agreement with Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-06
Company: Coinbase, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
on XX/XX/XXXX I was rejected for an institutional account with Coinbase,  which placed a lock on my personal account. I have not been able to withdrawal money from my account since then and have contacted support 6 times now with no resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: CNG FINANCIAL CORPORATION
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have been using their services for awhile. I currently have a loan that is due XX/XX/XXXX. I called to make arrangements for an Extended Payment Plan, something I have NOT done before. I had 2 prior consecutive loans right before this one so I counted this a my 3rd consecutive loan. According to the documents I signed & the Indiana Small Loan Law Borrower Rights & responsibilities document I was given with my loan should be eligible for an Extended Payment Plan due to it being my THIRD consecutive loan. However, after calling XXXX XXXX XXXX to inquire about the EPP I was told I was not eligible according to the " State Database ''. The gave me a phone number to XXXX  ( XXXX ). I called them and was told I was not eligible for the EPP because my 1st loan in this " series '' was actually loan XXXX so my current loan is number 2 not 3. I do not know WHERE this counting process came from & was never informed that's how they " count '' nor is it in any of there documents. So they are refusing to give me an EPP. To me this is blatant skewing of the law and there documentation to keep people from requesting the EPP. 
Here is a response I received via e-mail : " Dear Valued Customer, We're sorry we were unable to accommodate your request. According to our policy, we may grant you an extended payment plan on your fourth consecutive transaction with a state-licensed payday lender. ( consecutive meaning less than 7 calendar days have elapsed between each transaction. ) After reviewing your account, we show you do not meet those requirements at this time. We apologize if this is any inconvenience. 
If you have any additional questions or concerns, please call our Customer Service department at XXXX to speak with a representative. '' The documentation states " At the time you enter the third, fourth or fifth consecutive loan, the lender is required to offer you an EPP. '' It does not say " 4th consecutive transaction '' or that your first loan is loan XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: Experian Information Solutions 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:
My identity has been compromize, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a plolice report will be filed as is requested by FCRA.

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 2019-01-27
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Filed a dispute With Equifax, XXXX, and XXXX. XXXX removed within 12 hours, XXXX removed after 2 days. Equifax has notified me by E-mail that my dispute has been resolved, but will not grant me access to my report. How is it that I was able to access my report to file the dispute, but not to view after completion of the dispute? If incorrect information is in my report it would be impossible to answer the security questions to their satisfaction. I had this issue with Equifax refusal the provide my report a few years ago and they only relented after threatening them with reporting their flagrant violations of the FCRA. It seems they do not want to provide free reports to anyone .... but if you pay for it they provide it with no delay!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
Company: EQUIFAX, INC.
State: IL
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:
XX/XX/2018, I sent correspondence to the bureaus regarding fraudulent accounts that are on my credit report. The fraudulent account is still listed on my credit report. Pursuant to Section 605B of the FCRA i would like to have this fraudulent item blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
TransUnion has allowed XXXX XXXX to access my credit app and they were not authorized. They tell the people I apply with Im deceased but put inquiries on my report from people who wouldnt be touching it.

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 2020-06-26
Company: PNC Bank N.A.
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:
I have a car loan in my name from PNC. I divorced 2 years ago and my ex-wife was court ordered to pay for the car. She neglected it and as a result my credit score suffered as a result. I have submitted disputes to the credit bureaus and supplied them with court ordered documentation supporting my claim. It persists in negatively affecting my credit. I have requested that this be corrected over the last several months. PNC does not have someone I can speak to about this. This is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter dated XX/XX/2018 from RMCB requesting a past due balance of {$190.00} for XXXX XXXX. The letter did not advise me of my rights to request documentation to validate the charges. I requested documentation to validate the debt RMCB by phone on XX/XX/2018 at XXXX XXXX for the debt in which they were collecting. I specifically requested the dates of service, procedures performed and by whom. The first representative offered to email me this information which is in violation of HIPAA as this information is medical and private in nature. I requested to speak to a supervisor. I was transferred to a supervisor at XXXX XXXX. I expressed my concern about the letter I received and the lack of disclosure of the 30 days in which I could request validation of the charges and my concern an employee of the company would offer to email confidential medical information. As of XX/XX/2018, I have yet to receive any documentation regarding these charges. 

RMCB placed a collection account on my credit report prior to me receiving any correspondence notifying me of this debt. 

Debt validation is a federal right granted under the Fair Debt Collection Practices Act. I was not even informed of this right in the correspondence I received. 

The collection company 's information is as follows : AMCA/RMCB XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
Bank of America deducted I want to say XXXX away for me and now I have a - {$5000.00} i owe

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