BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-08
Company: PNC Bank N.A.
State: MI
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 XXXX in overdrafts even after an XXXX direct deposit was made but not posted until Monday. If the funds are available to me on Saturday then I feel overdrafts should not have been accessed because it brought my balance to a positive balance. They can afford to give money away in sweepstakes why can't they give a break on good customers

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-26
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
an account was added to my credit report from southwest credit systems L.P. account number XXXX** that is a result of identity theft .... I have never had an account with this collection agency or charter communications in XXXX nc. yet this company has reported this erroneous account on my credit reports when the company is aware that this is a fraudulent account opened with stolen identity information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: FL
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 is a letdown! My pleas to have the challenged fake accounts and information removed from my credit file have been ignored by the credit reporting agencies. According to Fair Credit Reporting Act section 605b, the credit reporting agencies must verify and remove the disputed accounts and information that were opened as a result of identity theft. I personally contacted the Data Furnishers to ask about the disputed accounts and information, and they responded by demonstrating that they were inaccurate in some way. Yet you are claiming that the disputed items are legitimate and verified! This behavior clearly violates Section 605b of the Fair Credit Reporting Act and is illegal. Before I have to resort to legal action, I am submitting this CFPB Complaint to request that you abide by the law and remove the disputed accounts and information from my credit file. I once again request that the following entries be deleted as quickly as possible from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}. 

The Credit Bureaus asserted that the disputed accounts and information are mine and have been validated, but they have not sent me copies of any documents with my signature on them or any proof of verification. The challenged accounts and information were inaccurate, which was confirmed by the Data Furnishers themselves. I require the immediate deletion of any contested accounts and data from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX  / XXXX / {$9300.00} XXXX  XXXX XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2018-01-12
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Below is my letter to DITECH stating the issue followed by their unjustified response. ; I included my Account number to them to ensure they could identify me by name or Loan Number. 
Before writing the letter we spent 30 mins on the phone to talk to a customer service rep who insisted that the {$65.00} fine for the {$61.00} deficit in the payment was justified and there was n't anything she would do about it. 
I think that more than 100 % penalty for an error originating from change in interest rate is egregious. 

Hello, I have been a loyal customer in very good standing since XX/XX/XXXX with XXXX before being transferred to Ditech about 4-5 years ago. 
Our payments have ALWAYS been on time on the XXXX of every month. 
For the First time in 13 years, the payment on XX/XX/XXXX was paid with an amount less than {$61.00}. 
Our payments for the last year have been {$1200.00} which we paid with Auto-pay. 
In XXXX, the amount changed to {$1300.00} and the Auto-pay paid the previously scheduled amount of {$1200.00}. 
This was NOT an intended dtefault in my mortgage payment. 
This was NOT an intentional partial payment for lack of funds. 
I have been slapped with a penalty of {$65.00} which is more than the amount I owe! 
Considering that this is the first time this has happened in 13 years AND considering that this was an honest overlook on the Auto-pay, I request that the penalty of {$65.00} be refunded to me as a good will gesture to a loyal customer in good standing. 

DITECH 's unjustified RESPONSE : On XX/XX/XXXX, at XXXX XXXX, XXXX wrote : Thank you for your recent inquiry. Ditech is unable to assist you at this time, as the information you provided can not be verified. 

If you are a Ditech customer, please visit www.ditech.comXXXX to register and log in, or contact our Customer Service Department at ( XXXX ) XXXX, Monday Friday, XXXX XXXX. to XXXX XXXX. and Saturday, XXXX XXXX. to XXXX XXXX. Central Time or send a signed request to : Ditech Customer Service XXXX XXXX XXXX XXXX XXXX, SD XXXX FAX ( XXXX ) XXXX Thank you, Ditech Financial LLC Customer Service

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: FIRST ADVANTAGE CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On several I tried apply for job and when the background check came back I was denied employment because the agencies that supply the background check does not supply updated information. In XXXX 2017 I was denied employment at XXXX XXXX because the company XXXX XXXX reported the wrong information. On XXXX XXXX, 2017 I was denied employment with cross mark because of the same issue. Since then the companies have corrected and reported the issue but every time I apply for a job I run in to the same issue each time so I have come to the conclusion that the information that consumer reporting agency is acquiring from the Fair credit Reporting Act is not update and I would like to make sure my file is updated. I have contacted them every time this occurs to have it fix and they cant seem to help. So I wanted to know how can I get my file updated so that when companies do pull my criminal background it shows that I have been pardon for these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: SUNRISE CREDIT SERVICES, INC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Started receiving phone calls from Sunrise Credit Services. Stated they received my debt from XXXX XXXX. I have active service with XXXX. I called XXXX they stated they do n't have me in debt with anyone. Sunrise Credit Services continues to call me. They did not have my address so they claim they could not send me out a Proof of Debt letter. I gave them my address. They refuse to send me out a valid Proof of Debt letter. The lady said she could email it to me. Gave her me email address. No proof of debt letter. To this date they HAVE NOT sent me out a valid proof of debt letter which is legal under the FDCPA Debt Collection Act. 

They have put this erroneous debt on my credit which is in clear violation. I am requesting that they take this collection off of my credit report before I get my lawyer involved and sue them for violation of the FDCPA Debt Collection Act.

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 2018-01-11
Company: BB&T CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The complete an utter failure of this banking institution has caused me to almost lose the house I was trying to buy. The lack of communication between the customer ( me ) and the lender ( BB & T ) was disgraceful, unprofessional, and tiresome. The inner workings of the employees of this institution are not at a professional level and no one was eager to help or answer questions related to the loan itself. Here is 2 different timelines from myself and my realtor about what happened : XXXX XXXX - purchase contract sent to XXXX XXXX @ BB & T XXXX XXXX - first response from BB & T and confirmation of receipt of contract XXXX XXXX - emailed BB & T for an update, no response XXXX XXXX - emailed BB & T for an update, no response XXXX XXXX - emailed BB & T for update, received response with notification we will not be closing on time XXXX XXXX - the contract closing date. As of today we are still unaware of the loan status and I have not been notified from anyone at BB & T with an updated closing date. 





XXXX/XXXX/XXXX -- -XXXX received prequal application after filling out application XXXX/XXXX/XXXX -- -I called XXXX several times between XXXX and XXXX to find out about the application. After several calls I never heard from XXXX so I reached out to my friend to find out an update from him ( This friend recommended XXXX to me, very highly ). Then I got an email from my friend with the prequal approval attached and not from XXXX. WHICH SHOULD HAVE BEEN A HUGE RED FLAG. 

XXXX/XXXX/XXXX -- -Received loan disclosure package and reviewed and signed all documents and paid all fees that day Between XXXX there has been a giant lack of communication between XXXX and myself and my realtor XXXX. I would say countless phone calls from myself and XXXX along with many emails from XXXX and myself as well went unanswered for days if not weeks. Until finally it got into XXXX XXXX hands on XXXX/XXXX/XXXX. She was I guess more helpful than XXXX and I continued giving more paperwork regarding my application that the underwriter needed in my case. 

At this point in time we still do not have a definite date of closing from XXXX or XXXX and I am asking that this loan be pushed through or an explanation of why the ball was dropped on this whole case. 

I would also like for BB & T to not charge me the fees associated with the origination of this loan BC I do n't think you have earned it, or a 1 % drop in my loan whichever is greater.

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 2019-07-26
Company: PMT Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
PMT Solutions was given a contract to collect a debt from XXXX XXXX XXXX which I had no knowledge of and was able to easily resolve with the XXXX after calling them. However the collection agent " XXXX XXXX '', which I'm guessing is a pseudonym and possibly a FDCPA violation, was extremely rude, made no effort to understand the situation and instead chose to mock me and assume I was totally at fault despite having perfect credit and never missing a payment on any account. He also chose to pursue a personal email and cell phone number ( most likely in violation of the FDCPA and the TCPA ) before even trying official business contact methods which would have worked.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
i kept seeing {$0.00} available credit for last few months and i finally had a chance to call because i was making my payments on time every month so I didnt know what was going on.i emailed them and they said i needed to call so then i emaile again and called and they switched me to a few differant people and finally a rep named XXXX  on XX/XX/18 said they sent me a letter about it in XX/XX/XXXX and i said i didnt get it because then i would be aware of whats going on and she said it didnt get returned so i got it. i said no i didnt now explain whats going on. she said they looked at my credit score and closed my account because they didnt want future credit with a score that was like mine. first of all, they didnt even tell me what my credit score is and secondly ive never missed a payment with them. its always early or day due and its usually a little more than min payment. she said that i will continue to pay and they are going to report it to credit burea and it will effect my credit score negatively. i dont care if they want their XXXX credit card not being used by someone trying to rebuild credit. thats not my issue. my issue is they are reporting me negatively to credit burea and are going to sabotage me trying to clean the credit score up by doing so and she said oh well its going to be reported and u will make ur payments anyways. cabelas club visa is the worst company i have ever dealt with. who out of the blue decides ur credit score is a reason to shut down ur account even though u make monthly payments on time and ruin ur credit even more

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: BB&T CORPORATION
State: VA
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 have had {$280.00} dollars in returned item fees between XXXX and XXXX. On both occasions the day before I have shown a positive balance in my account with nothing pending and I wake up and have over {$100.00} to the negative. This has been an ongoing issue with bb & t

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: JPMORGAN CHASE & CO.
State: FL
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:
A XXXX XXXX XXXX employee inadvertently gave my credit card to another customer. That customer fraudulently signed a sales slip charging my Chase VISA account {$130.00} for his purchases. 

I have spent eight days disputing this fraudulent charge with Chase to no avail. The Chase VISA Dispute Department told me that they did not consider this unauthorized purchase by a complete stranger to be fraud. The Chase VISA Dispute Department told me that they were  refusing to provide any credit to my account for this unauthorized transaction. They even refused to provide a provisional credit during any requested investigation. As a result, one of my auto-pay accounts ( XXXX ) failed to authorize today as a direct result of the unauthorized purchase of {$130.00} being fraudulently charged to my account. 

Chase supervisor, XXXX provided the Chase Executive Office address for this complaint and refused to provide any other service or make any effort to correct this wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a new collection that appeared on my credit file which I do not owe XXXX XXXX, this is false information, please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11
Company: Greentree & Associates
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I went To XXXX XXXX XXXX XXXX and injured my XXXX and could no longer work. Over the past years Ive made attempts at contacting the companies to try and resolve the debt but could never afford what they ask of me. Theyve always wanted hundreds and hundreds a month!!! I can not afford that! Recently I contacted the most recent company the XXXX XXXX XXXX company last year to try to make amends yet again and as I talked To them I told them that I didnt make enough money to make the payments they were requiring of me and I asked repeatedly for lower monthly payments and they refused and said it would affect my credit. I said I couldnt pay anything more and they said they couldnt take any less than all of it. I can not afford {$6100.00}! Its been 10 years! Its on my credit and has been affecting me! 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX There is also another company that is attached to it that is older Green tree and associates Since XX/XX/XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX According to my credit report I owe XXXX to them for the same bill! 

How is it 2 companies can claim that I owe them for the same bill? And report it on my credit monthly as owing {$13000.00}!?? Please help!

Company response to consumer: Untimely response
Consumer complaint received 2019-07-26
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
company contacted me threating me telling me why I couldn't pay them right now as I told her over 6 times in a row my father died and do not have any money due to funeral cost she still was very rude and started telling me why would I want to hurt my credit like I was a XXXX kid I tried telling her I will try my best to make a payment as soon as I could she still nagging me well pay something right now with a debit card and we will save it for future payments I told her I was considering bankruptcy she then stated why would u do that I told her cause I cant afford to pay my bills at this time to due family issues then she got mad and I hung up she just threaten me the entire call this was in 2018 and balance is not accurate to me adding charges that are out of my means of monies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been paying a student loan to Navient for some years. A couple months ago the payment amount auto drafted from my account went from XXXX to XXXX without notice. I called and was told that the loan repayment plan had expired, and the payment would soon go to XXXX. I told them I could pay the XXXX but not the XXXX and was told they payment would be XXXX. The XXXX was drawn from my account for XXXX and XXXX. In XXXX I saw in my bank account they were deducting XXXX. I called again and was told there was no agreement to change the payment and it would be XXXX now. After being on the phone for some time I was told they would put my loan on hold until XXXX and send me an income sensitive repayment form to complete. On XX/XX/XXXX I received another email to my account saying the payment would XXXX due XX/XX/XXXX. On XX/XX/XXXX I received another email saying the payment would be XXXX due XX/XX/XXXX. I submitted the income sensitive repayment form on XX/XX/XXXX. On XX/XX/XXXX I receive notice that my account was past due XXXX and I needed to pay XXXX and XXXX payment of XXXX. There is no way to plan finances when Navient changes my payments without notice. I want to pay my loan back but can not manage when they change my payments over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Synergetic Communication Inc
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We were misled by XXXX XXXX XXXX XXXX in that we came to an agreement on balance owed to XXXX XXXX XXXX. We paid as agreed with XXXX balance. Now XXXX shows a balance of {$3400.00} We feel that this wrong, had we have known we would have settled differently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation