BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-30
Company: NEW YORK COMMUNITY BANCORP INC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was one of the authorized user of business checking account of company ( one a XXXX XXXX XXXX ) at NEW YORK COMMUNITY BANK Address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number XXXX As Company deposits checks in account one check was not clear from payee for {$4100.00} date XX/XX/2019 My name was put on XXXX  as account abuse I cant open account with my name in any bank For that reason I try calling bank to resolve this issue thy ask me to give bank {$4100.00} the amount bank charge off I try explaining that its business account company is responsible for that I offer bank if thy negotiate that $ amount so I can clear my name, The person I talk to she said ( NO WE CAN NOT TAKE LESS THEN FULL AMOUNT ) Im requesting that this should be remove from XXXX  as its illegal and immoral to penalize for life someone who is authorities user for corporate checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I AM NOT LIABLE TO THOSE DEBTS. 

I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.

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 2018-01-12
Company: GOLDMAN SACHS BANK USA
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX, 2017 I received information from XXXX XXXX that i was eligible to receive a loan with low interest rate to better my credit score. I spoke to the bank and the intake person on what i would need to get a loan. Which never did. Now i have a hard credit check on my credit score on for two to seven years. 

Your assistance is needed as to how i can remove this from my credit score. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
To whom it may concern, I recently checked my account and noticed PAY PAL has been withdrawing {$44.00} from my account monthly for 3 months listing the charge as " XXXX ''. I contacted them and I informed them I did not authorize these charges and they have not helped me to resolve this. Thank you very much for your time and help in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Debt Recovery Solutions of Ohio, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Debt Recovery Solutions Inc. has placed SIX medical collection accounts on my credit report and additionally has sued me in court ( its still being litigated ) at the time of this complaint, prior to even notifying me of any such debts to give me the opportunity to dispute them. I have exhausted every option I have to tell these people these are NOT my debts. I have repeatedly via email/phone calls/open court/mediation, asked them to supply me with something tangible that these debts are MINE. They decline to provide any such documentation. All they have provided me with are invoices of a hospital bill for someone with my name and the  invoice is for XXXX dollars. I have contacted the alleged original creditor ( s ) all of whom say I have no outstanding debt with them. These debts are 6 and some 7 years old. I was unaware of these debts until being sued in court. I have worked with these people to prove this debt is not mine. They are the ones trying to collect seven year old debts, the burden of proof should be on them. I am innocent until proven guilty, and the are offering no evidence of my guilt. I have only the copies of the bills that were given to me in court. Prior to that Ive never received a bill/statement, nothing from this company!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Call from XXXX
AllianceOne (a collection company for the "govn't" is a company that uses its "power" to get away with fraud and terrorism of the American people and businesses in its accounts.

Amnesty Program for California Traffic Tickets & Infractions is the program this agency is using to harass people.  I never answer their call and they do not leave a message.  I do not have outstanding traffic tickets and am a retired debt free person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was purchased by Pnc bank. The mortgage is is due the first of every month .. and I have a grace period until the XXXX I set up via Pnc online to have it drafted on the XXXX today on XXXX XXXX .. I get a call from PNC as an attempt to collect debt.. that I have paid my mortgage payment the call was harassing.. and I asked dont you see that I am set up to draft on the XXXX the individual said no he doesnt have access.. the call was harnessing.. I had to spend another half hour to confirm my mortgage is setup.. thank Gd I have always paid my bills on time..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, 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:
HI, i have a problem regarding my credit report with EQUIFAX only its a very bad company with no care about consumer report i have been trying to set up an account on my.equifax.com and when i log in it gives we can't process please call customer service so i add already screenshot of that screen, and i called customer service many many times with no care all are XXXX people doesn't care to fix, and even when i can on phone system after entered my SSN, DOB, Address it telling me we can't identify your identity, and i spoke couple times to Customer service they don't know what is my issue and ask me to send a copy of my ID with SSN copy to Equifax Office XXXX, Georgia, i did three ( 3 ) times with no answer to fix my identity, and that issue affect me when i apply for credit with few lenders like XXXX XXXX XXXX XXXX, XXXX, XXXX, so i gave up and submit this complaint maybe someone care and fix my identity so i can login my credit online and unlock or locked or see my report, so i only ask Equifax to fix my identity,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: NCB Management Services Inc.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is has been going on for several months, however today was the most egregious violation of the Fair Debt Collection Practice Act that I have ever experienced : Harassment of a third party individual that has nothing to due with debt with 4 repeated simultaneous phone calls after third party requested not to contact her. On fourth call, debt collector advised her that they knew where I lived and would have the XXXX County serve me documents today and hung up on her. ( copy of phone log attached ) The same debt collector also left me an extensive voicemail ( transcript attached ) Claiming of threat that claim was being filed with XXXX County and my personal information would be made public. Please see full content on this attached voicemail transcript. 

When this account was first assigned to this company, I tried to communicate with the individual ( 1. ) I have never received any letter from them identifying who there where and instead was yelled and screamed at with derogatory alternatives of suit ; ( 2. ) I also disputed the amount and date of debt and requested full validation with all documentation and accounting of how they claim this amount. This has been asked three times with a debt collector and they still have not provided information and continue call and leave messages of egregious threat violations. 

I consideration of the Fair Debt Reporting Act - They have reported this debt on my credit bureau files before they ever sent me any letter ( s ) advising me of a assumed debt with them and have also failed to report to the credit bureau that the debt was previous requested to be disputed. 

As of today, I am not only sending them the dispute in writing and requesting that they cease and desist immediately ( per advice of attorney ), I have also obtained the same attorney for possible legal action for such violations,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: EQUIFAX, INC.
State: MI
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:
my credit card number was used to make purchases by someone I do not know. I contacted the credit card company to report the fraud situation. they closed the card and a new one was to be issued. I specifically asked if the new card would continue with the info from the original card ( years of ownership and number of months of good payments ) and I was told yes. 
the new card was issued and I made a charge and a payment. at first the credit bureau was showing the card as closed. now they are showing it as REMOVED. this dropped my score! I have sent numerous secured messages to the credit card company about both issues and also many phone calls. Now the credit bureau is showing an inquiry made by the credit card company. I DID NOT authorize the hard inquiry. I contacted the credit card company again about this. nothing has been done except for getting robo emails from the credit card company.! want the hard inquiry removed and a written letter confirming this has been done. Since I have a fraud alert in place with all 3 bureaus I have no idea how the credit card company was able to do this. I want their fraud alert access procedure investigated.2. I want the replacement card to show the 49+months of excellent payment history and the correct payment amounts on my credit report .3. I want the credit card that was removed from from my credit report to be reinstated on my report with the accurate info ( see number 1 ) this has been going on for several months and has been very time consuming on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: BARCLAYS BANK DELAWARE
State: MA
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 XX/XX/2020 a charge called XXXX XXXX for XXXX posting on XX/XX/2020 was an XXXX  transaction where I bought a XXXX case and its fake - looks nothing like the pictures - its a pasted decal on a plastic case selling as some real designer case. XXXX closed the seller down and threw them off the site so I cant contact the seller where it states it was coming from CA - the item is fraudulent- the seller you cant get a hold of bc XXXX pulled them off for this and Im not paying this ... so either you credit me and take it up with them or Ill have my attorney write you personally. Your choice

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 2018-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted all three credit bureaus repeatedly regarding two accounts one being XXXX XXXX XXXX XXXX the other being XXXX XXXX XXXX that display on all three of my credit reports. They are both unverified and not validated but yet they remain on XXXX TransUnion, and XXXX. I have disputed these accounts several times for the past 3-4 months and can not get any resolve. These accounts being listed has had a SEVERE impact on all three of my credit reports and they must be corrected and taken off IMMEDIATELY.  I have requested verification and validation several times and received no validating evidence. You are required under the FCRA to have properly verified each and every account listed on my credit reports. I asked for the name of the person from both companies you consulted with, what were the documents used to verify these accounts and where are these such documents, and to provide me with the phone number of the person and/or business address that supposedly verified these accounts as accurate. Still to this day XXXX, XXXX and TransUnion have not supplied that information.Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FCBA, FCRA, and other federal statutes.

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 2020-06-23
Company: Experian Information Solutions Inc.
State: NJ
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: Was not notified of investigation status or results

Complaint:
AS I EXPLAINED IN COMPLAINT # XXXX AND COMPLAINT XXXX. I MAILED IN A DISPUTE VIA CERTIFIED MAIL THAT WAS DATED XX/XX/2020, ( MAIL VIA CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX. This certified mail was received, signed for, and delivered into Experian possession on XX/XX/2020, as recorded and detail by the U.S. Postal Service. AFTER BEING RECEIVED BY EXPERIAN THEY FAIL TO START A INVESTIGATION AND AS OF THE XXXX DAY, THEY WERE IN VIOLATION OF THE FCRA SEC. 611 ( A ) ( 1 ). LET 'S BE CLEAR THIS CAN BE PROVEN BY MY RECORDS AND THE U.S. POSTAL SERVICE 'S RECORDS. IN WHICH I WILL SEEK DAMAGES FOR IN A COURT OF LAW FOR EACH PERSONAL INFO ITEM THAT WAS NOT INVESTIGATED. SO TO EXPERIAN 'S LAST RESPONSE TO CFPB COMPLAINT # XXXX MY DISPUTE DID NOT REQUIRED FOR YOU TO INFORM ME ON HOW YOU STORE INFORMATION GIVEN TO YOU BY A CREDITOR. I SPECIFICALLY SUPPLIED YOU WITH A COPY OF MY STATE DRIVER 'S LICENSE, SOCIAL SECURITY CARD AND CURRENT UTILITY BILL. PROVEN MY IDENTITY AND INFORMED YOU THAT I GO BY NO OTHER NAMES. YET INSTILL YOU FAIL TO LAUNCH AN INVESTIGATION AND VERIFY THE INFORMATION YOU WERE BEING TOLD AND REVIEWING THE PROOF OF THE CREDITOR 'S CLAIM. I WILL SEE YOU IN COURT FOR THE VIOLATION LISTED ABOVE. I WILL BE SEEKING DAMAGES FOR YOUR WILLFUL AND NEGLIGENT REPORTING THAT IS CAUSING ME HARM TO MY FINANCIAL WELL BEING

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 2020-06-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DE
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I currently have a mortgage with Fifth Third Bank, XXXX. XXXX XXXX, XXXX, OH XXXX. Over the past three-years or so, I have been making monthly, electronic payments toward my principal and have specifically wrote in the memo section that the payment be applied to my principal. Further, I made an electronic payment to be applied towards my escrow and specifically stated this in the memo and Fifth Third Bank continues to misapply my payments. When I called Fifth Third Bank about this matter, I was told XXXX XXXX is the person who would be contacting me by phone but she never did. I had to log onto their website to get her response. I have been trying to speak with her because I want an accounting of my account over the past three-years but am not able to get her to return my calls. I received a letter pertaining to this matter and the letter stated if I had any questions to call the number in the letter. I called several times and left several messages but no one has returned my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: MO
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:
There are several closed accounts on my Experian, XXXX, and XXXX  credit report that are extremely outdated and need to be corrected by being removed. Also XXXX, Experian, and XXXX  are reporting unverified information on my reports.

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 2020-10-09
Company: PNC Bank N.A.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
PNC is being once again completely fraudulent with documents deferring payment during this covid. Spoke to agent sent docs back to add to back of loan Now they are stating docs were late padtdue and thdy need complete payment of owed amount. Hassling me over phone every day not receiving the correct datsz due told me initially as long as postmarksd XX/XX/XXXX nd they have not received by mail yet as of XX/XX/XXXX th. Please stop them from this and put balance on back of loan. 

Second fraudulent claim against them in one month. They told me pmi would be removed and forebearance would not effect it. More lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: CONTRACT CALLERS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please delete the account from my credit report for all 3 bureaus ( XXXX, XXXX and XXXX ). Contract Callers inc added derogatory marks on my credit file the amount was {$760.00}. I initially disputed it in XXXX as fraud I've never had a signed contract and /or account with said company. YOU HAVE NOT PROVIDED ME A COPY OF ANY ORIGINAL DOCUMENTATION REQUIRED UNDER SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with signature on it ) and under SECTION 611 ( 5 ) ( A ) of the FCRA- you are required to " PROMPTLY DELETE all information which can not be verified. 
Fast forward to XX/XX/XXXX you are still negatively affecting my credit report. IF THE ACCOUNT IS NOT DELETED, I WILL BE FORCED TO CONTACT THE XXXX AND LEGAL COUNSEL TO FILE SUIT.

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 2021-10-15
Company: Shellpoint Partners, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I send in the monthly payments they are holding them for up to three months before apply the payment and then adding additional fees inspections ( not sure who or what was inspected ) and change of the payment amount from {$1100.00} in XXXX to {$1600.00} on XXXX. There numbers do not add for the changes monthly. The late fees are not true for all payments are sent certified mail to make sure they are in and Certified check for payment. Not sure what the inspections fee are for? This company is a problem and does not respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
Today, XX/XX/2020, I received a USbank reliacard. I am not a USbank customer. I have not applied for unemployment. This looks like fraud. I have tried reporting to USbank by phone. ( At XXXX XXXX  mst, I spoke with a USbank employee, XXXX. She was unable to help & transferred me to an unanswered phone. I then called the USbank fraud line and at XXXX spoke to XXXX, who was also unable to help. 
I can not account for receiving this card & can not get any answers from XXXX. I am XXXX  & have NOT applied for unemployment. Please help me resolve this.

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 2020-04-29
Company: PNC Bank N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I'm trying to link my bank account and to XXXX and they are not allowing me to connect. I've had XXXX previously link the the bank account and now it's not working.

Company response to consumer: Closed with explanation