BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The account is a business account for a franchise fast food restaurant. Incoming credits are not being processed before outgoing debits are processed resulting in NSF charges. We are under the impression that checks are supposed to be processed from the least amount to the highest and that is not the order in which checks are processed. Additionally, if multiple checks are received at the same time or day and the total amount of those checks is over the balance amount in the account, the bank rejects all the checks instead of processing them up to the balance amount. This results in multiple NSFs charges from our bank. This is a huge problem for us every pay period ( we pay bi-weekly ). Employees checks  consistently get rejected by the bank because not all of the checks submitted that day can be processed causing multiple NSF charges from our band as well as from our employees bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-22
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Ive had the Target credit card for several years before they closed my account. Four years ago I lost my full-time job so I was struggling with keeping up with payments. Up to this point I didnt have any problem paying the bills on time. 

Ive contacted the company several times during my financial hardship and kept on stressing that I do not want the account closed, but that I would pay off whatever was on it ; there wasnt a lot. I told them I would keep sending money in, and not use the card, until it was paid in full. Consumers are always told to stay in touch with the creditor, and I did. They kept on assuring me that I was doing the right thing by staying in contact with them, sending in payments even if it didnt cover the monthly amount, and that my card would not be cancelled. 

A few months after I had gotten my balance down to XXXX, and paid off everything ( even the late fees, etc. ), they send me a letter that they cancelled my card. My credit score was climbing back up, and I get hit with this! They gave me the form letter about my credit report saying that I have too many derogatories and too many accounts past due. Now my credit score has gone down because of the nonsense these companies are allowed to create. Now it will be more difficult for me to establish new credit if I need to because of their poor business practices. 

My credit history with them has definitely been extremely good until I lost my full-time job. I now work three part-time jobs and am becoming more financially solvent. This should count for something! 

They lied, their business practices do not keep the consumer in mind, and something should be done to them!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PHOENIX FINANCIAL SE Reported : XXXX XXXX, XXXX {$760.00} PHOENIX FINANCIAL SE Reported : XXXX XXXX, XXXX {$38.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In  general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this  title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PHOENIX FINANCIAL SE Reported : XXXX XXXX, XXXX {$760.00} PHOENIX FINANCIAL SE Reported : XXXX XXXX, XXXX {$38.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-06-03
Company: ENCORE CAPITAL GROUP 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: Their investigation did not fix an error on your report

Complaint:
I have disputed information on my credit report being reported by Midland Credit Management for multiple accounts beginning in XX/XX/2020. This company has failed numerous times to provide the documents required by law to validate the alleged debt in question. They have not provided any signed documents and have sent letters that notify me that they have only contacted the creditor. This is NOT what is supposed to be done per the FCRA. 

XXXX XXXX and XXXX has continued to report this invalidated information which is a direct violation of the FCRA. 

Midland Credit Management {$760.00} Midland Credit Management {$1200.00} Midland Credit Management {$450.00} Midland Credit Management {$450.00} Midland Credit Management has continued to report this invalidated information as well. Midland has failed to provide the proper documentation. I have disputed these accounts with the bureaus directly AND with the creditors and keep receiving letters without validation, and asking me to provide documents to correct their files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Porania, LLC
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXBANKDE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-01
Company: PENTAGON FEDERAL CREDIT UNION
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:
Its not a dollar amount I looked on my XXXX XXXX report and I believe someone either tried to or have opened an account in my name because pentagon federal credit union is on my report and I never did that.

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 2018-05-22
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was on the rate reduction plan with the company and it was time to renew. I have been paying XXXX but struggling to do so. They asked for both me and the co-borrower information and we submitted it and they said we had a deficit in income so we didn't qualify for plan. Then I asked what does that mean, and they were like higher payment. I was like that is impossible if we have a deficit. They then asked for bank statements. We had recently got some payday loans to try and help make ends meet and make all our payments. Well because they so deposit from those funds they felt like we had income, without even looking at all payments and monthly bills. We submitted documents showing how much those payments were for and they still said they could not reduce payments. We are currently having a hardship and don't understand how an we make a payment if we sent you paystubs and you said we couldn't afford to make a payment. But because they saw loan proceeds to pay our bills that we currently make a payment on, they assumed we have money. They have not been the easiest to work with, and I have been told oh, there are not options for Private loans. We are at risk of losing everything at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: TekCollect 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: Account information incorrect

Complaint:
TEK Collections has an invalid collection on my report, I never owed the money they are reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account credit one bank 2. Validate Account convergent outsourcing I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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 2022-10-04
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My XXXX XXXX XXXX has a virtual account wallet with PNC and I am the custodian. On XX/XX/XXXX, three separate money transfers through XXXX were done to XXXX XXXX. One for {$150.00}, {$170.00} and {$200.00}, wiping the account clean. I disputed this with PNC and they referred me to XXXX. After an hour hold time, my son spoke to XXXX and answered their questions, I wanted to talk to them to fully understand the process and they told me they couldn't talk to me since I wasn't the primary on the account. I then went to a PNC branch and they told me I have to deal with XXXX, since they are a third party and that you generally don't get your money back on these types of situations. My son didn't give his user ID or password out to anyone and he doesn't know a XXXX XXXX. PNC sent a letter stating they researched it and the somehow determined that the transfers were done from his phone and inferred he made them. These transfers were done at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Transferring money 3x until there was no more money to transfer. This is clearly a pattern of fraud. My son was asleep at those times and I had to wake him up to ask why I was getting a low balance alert on my phone for his account. I asked for this to get escalated or researched further and PNC has gone silent. If this were my credit card, this kind of suspicious activity would have been flagged and my account would have been locked. They clearly don't have good fraud protocols in place on top of not protecting their customers when fraud occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: 21ST MORTGAGE CORP.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I contacted XXXX to apply for refinancing both my first and second mortgage. The home appraisal was not enough to cover both the first and second mortgage, so it was suggested that I apply for money-out refinancing on the first mortgage only. The applications were electronically submitted and {$20000.00} money-out for the first mortgage refinance was estimated on closing. 
The 21st Mortgage Company is the servicer of the second mortgage. It refused to resubordinate the second mortgage unless the entire second mortgage is fully paid off. The VeteransFirst.com can not proceed to this unreasonable demand. 21st Mortgage held XXXX the processing and completion of the refinancing by it's unreasonable demand to be fully paid, prior to allowing the first mortgage refinancing to be closed. This caused a lengthy delay, we are now counting one hundred and forty days and still waiting for the 21st Mortgage to provide the necessary papers to close. The terms/conditions it wants are capricious and untenable because there is not enough money to fully pay the second mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We where given 2 financial deferments in a course of one year we called in asking for assistants and was given a deferment for XXXX and XX/XX/2019 these payments where to be put on the back end of the loan went to the bank in XXXX TX to make a payment after the deferment and was told that the account was behind by 2 months and we would have to call into the collections department XXXX when calling the number you are on hold for 45 min to and to an hour to speak with some one there phone drops or a busy signal  recording this is against FCC rules and regulations, I should have a number that is properly working to be able to speak to some one about my loan. After 29 calls I spoke to a representative in collecting department of BBVD COMPASS I was then  granted another deferment for XXXX and XX/XX/2019 because the representative she had discovered that the XXXX payment had been paid and that there was extra funds on the account because it was over paid from a previous month. So now there are 2 signed deferments all along we are not paying because due to the deferments. The following month we attempted to make a payment at the BBVA Compass in XXXX TX and was told we where more than 3 months in the rear and owed over {$1800.00} plus fees and that the deferments was not honored, we never received a call or letter we kept trying to make payment at the bank the {$1800.00} then told they can not accept the payment need to call Collections department so we XXXX XXXX over {$1600.00} they put it on hold department then was told to send in another {$260.00} sent in {$600.00} XXXX XXXX they put that on hold no money was applied to this account Called the bank again and was told owed {$2400.00} and the last and final attempt was to have it refinanced so the new company called but BBVA Compass and they charged off loan XXXX we made over 79 attempts to resolve this issue We made a call to the corporate office and spoke to some with Mr XXXX he advised the loan was under review and ask how much did we have to get the XXXX Truck back a little confused we still have our truck So we decided to file several complaints an seek an attorney we have place this information on social media looking for other to start a class action lawsuit my credit have been ruined by BBVD Compass sense XX/XX/2019 and now the loan is charged off according to our records we had a 3 month deferment plus the payments we paid and the money they held

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: National Enterprise Systems, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Calls to my home phone that are not my debt ... I DO NOT HAVE A DEBT FOR COLLECTION ie : Date of call Number listed 24 hour clock XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( 2 ) XXXX XX/XX/XXXX XXXX ( 2 ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( 3 ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( 2 ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( 2 ) XXXX XX/XX/XXXX XXXX ( 3 ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( 3 ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX They were advised to stop calling however does the above show that??????

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 2017-11-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX I contact Wells Fargo about a return I was conducting with XXXX XXXX / XXXX XXXX XXXX in XXXX GA. I had purchased the dog kennel roof on XXXX just after retiring from the XXXX. I had moved 2-3 times after that date and misplaced the sealed from the factory box that I had never opened. Wells Fargo by 2 different reps in their dispute department told me to take it back and they would ( the bank ) fight for me. The store manager refused to take item back as it was over a year old and was quoting a 90 day return policy that was not listed in the store or on the receipt. On Wells Fargo advice I left the item in the store and walked out. 2 weeks later on XXXX I was advised by the bank they would not be doing anything if though 2 reps said it would n't be and issue. 
This case was escalated to their Customer resolution Executive Office that handles ATM / Card transactions on XXXX. It is now XXXX. I have not heard bank from the bank after the 10 day time frame. 
I do not have the product or/and have not been refunded the {$70.00} for this issue, WF claim # XXXX. 
All I want is my money back

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 2019-10-01
Company: Experian Information Solutions Inc.
State: IL
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 literally my 4th attempt to have them fix this problem.

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 2021-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft US SM BUS ADMIN XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft CAP ONE AUTO Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation