BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-03
Company: PNC Bank N.A.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by PNC Bank. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Hi, about three months ago in XXXX I opened an ebay account for the first time for a one time transaction in selling my old phone.I did n't plan to continue using either ebay or paypal any longer for any reason. After this transaction was completed and I shipped out the item to customer paypal put a hold on funds and said that I would no longer be able to use their services. I nowdo n't have either my item or my money.I felt as if I got scammed because they said I have to wait 180 days to releases funds that they had already taken their fees from. I was not participating in any fraudulent activity and my account was in good standing. The customer also did not file any disputes or chargebacks against me. I just want my money back and do n't want to be another victim of Paypal 's wrongful closings and freezings of many acccounts. The amount being held that I will like released is {$490.00} I feel as if I have done nothing wrong to be hit with such a harsh consequence. 
Thanks for your help in helping me solve this issue. 

Paypal Case ID : Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Barclays XXXX  Mastercard. After checking my statements I realized they charge me Interest Twice a month???? I tried talking to them on the phone. Also they charged me a returned payment fee because my payment didnt go through but i still made two payments.

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 2021-06-04
Company: Experian Information Solutions Inc.
State: CA
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 am submitting this complaint because Experian is reporting an account that is under litigation on a current lawsuit. For this reason, this credit reporting agencies is supposed to delete this account. 

I've been through a hard time with this account and now I even have to tell this credit repotting agency to do the right thing. This account must be deleted from my report. This situation has caused me psychological stress and I am just requesting what is fair. 

Account information : Account number : XXXX, date Opened : XX/XX/2020, high credit {$2400.00}. 

Thank you.

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 2021-06-04
Company: Experian Information Solutions Inc.
State: WV
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:
Experian lists my credit score XXXX points lower than XXXX  with the same information. Attempts to contact the company for an explanation/correction have been unfruitful since they only have an automated system that does not allow you to speak to anyone and hangs up on you. How then do I get this issue resolved if I can not contact the company?

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 2020-12-07
Company: Experian Information Solutions Inc.
State: VI
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 been making complains to the credit bureaus about 2 deragatoriy items on my credit report that is unverifiable and the credit bureaus has refused to removed them although I have followed the guidelines established by the FCRA. I had written to the creditors Via certified return mail and they have failed to provide the documents to verify the XXXX and XXXX accounts. I sent the documentation to the bureaus which showed that the creditor has failed to provide proof of verification. I am asking the credit bureaus to please follow the law and delete the citicard and the XXXX derogatory items from my credit profile.

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 2021-06-04
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I found the XXXX Key Bank statement that should be added to the other bank statements as part of CFPB complaint XXXX addition, I want to provide you correspondence I have had with Key Banks HR department regarding eleven job positions for which they have advertised for which, to varying degrees, I am qualified.In addition, I sent this correspondence to XXXX XXXX XXXX attorney for plaintiff ( as that term is used in New York State Law ), meaning that he must sign a CPLR XXXX oath under penalty of perjury that any representations he makes are truthful in fact and in law, under a best information and belief standard of law.As I wrote in that letter, this correspondence is relevant to the foreclosure case. Under New York State Law, foreclosures require a law and equity standard, meaning that the plaintiff must show that it is entitled to foreclose under.law and then prove to the factfinder that it should be entitled to foreclose as a matte of equity.Obviously, we should allow Mr. XXXX and Key Bank to respond. I also recognize that neither Key Bank is obligated to offer me employment or a business contract and nor am I obligated to accept such offer. However, we should be discussing case resolution, and MrXXXX XXXX has refused to do so, both at the Civil Appeals Settlement Program at the New York State Appellate Division of the Supreme Court, 3rd Department and subsequently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: SUN LOAN COMPANY INC.
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
For at least 10 years I have been hounded about money owed on a XXXX account. I never opened a XXXX account and if I did. I never charged anything to it. 10 years or so ago, I paid a bill collector anyway who said this was related to a XXXX charge. The collector promised that I was paid in full. However, I received another collection notice today. I periodically get phone calls.I have called numerous times and can not get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-03
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have written to JPMCB on two occasions pointing out they are reporting a 60 late in the Payment Status when the account shows closed with a XXXX  balance. This is impossible ... .must be a key punch error. You can't be late when the account is closed with a XXXX balance. The same inaccurate infformation is reporting on two other accounts. See attached excerpts from the credit report and the most recent letter dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Seattle Service Bureau, Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This complaint is about the national service bureau contacting me and family members, friends multiple times harassing and being rude on the behave of my name. This debt collector is telling me I'm going to jail and also giving out my SSN number to friends who don't have that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Letters was sent to Equifax and XXXX  credit bureau over 30 days ago and we receive no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Unexpected increase in interest rate. Interest charge XX/XX/20 {$530.00}, XX/XX/20 {$32.00}, XX/XX/20 {$31.00}. 
Call company to let them know that was not aware of interest increasing.

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 2018-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
All my information was in correct and i'm a victim of Identity theft.

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 2020-05-03
Company: Experian Information Solutions 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:
Experian continues to report fraudulent information on my credit report. I have disputed several times to no avail. They are in violation of the 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 explanation
Consumer complaint received 2021-09-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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:
Failed to have adequate processes for accurately reporting of checking account reporting information about checking and deposit accounts. With inaccurate information about checking account history.

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 2018-02-16
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple incorrect and unauthorized credit inquires 1. ) XXXX XXXX XX/XX/XXXX 2. ) XXXX XXXX XX/XX/XXXX 3. ) XXXX XXXX XX/XX/XXXX 4. ) XXXX XXXX XX/XX/XXXX 5. ) XXXX XXXX   XX/XX/XXXX 6. ) XXXX XXXX XX/XX/XXXX 7. ) XXXX XXXX XX/XX/XXXX 8. ) XXXX XXXX XX/XX/XXXX 9. Synch /XXXX XXXX XX/XX/XXXX 10. ) Synch/ XXXX XXXX XX/XX/XXXX 11. ) Synch/Wal-Mart XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11
Company: U.S. BANCORP
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
My husband and I bought a Certificate of Deposit on XX/XX/XXXX from First Bank. First Bank was bought out by US Bank in XX/XX/XXXX. On XX/XX/XXXX we took the CD to an US Bank for disposition, but was told that they have no record of the transfer from First Bank to US Bank in XX/XX/XXXX. The CD was for {$1800.00}. I was told by the bank manager that we must have  cashed it in, but this is not true. 

What I've done. 
1. Called FDIC and spoke to XXXX who suggested that I call the State Income Property Office @ XXXX in XXXX, Ne. and CFPB. -XX/XX/XXXX 2. The State Income Property had no record of the CD described. -XX/XX/XXXX 3. Called the CFPB to make a complaint on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Medical Data Systems, Inc.
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

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 2018-02-16
Company: Coinbase, Inc.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I purchased {$200.00} of Bitcoin from Coinbase. On XX/XX/XXXX that charge cleared my bank account. Then on XX/XX/XXXX Coinbase hit my bank account again for {$200.00} ( unauthorized ). This caused an over daft in my account and left me with no money.

Coinbase is not answering the phone and the web support is unresponsive.

As of now Coinbase owes me {$200.00} and an overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Experian Information Solutions 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:
I am applying to refinance my mortgage in XX/XX/XXXX. New creditor has asked me to provide a letter of explanation for a " business '' listed on my EXPERIAN credit report ( pulled on XX/XX/XXXX ) that is loosely connected to my current address. 

I have no knowledge of this business. The address they show this business connected to does not include my unit number, so it is not strictly connected to my actual address. Upon research with my state 's Secretary of State website, the entity does not appear to even be a business in this state. Upon further research, the " business '' appears to be an individual 's name followed by a prefix. I do not know this person but whether this is a name or a business, it should not be connected to my personal credit record.

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 2020-01-14
Company: FIRST NATIONAL BANK OF OMAHA
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Back in XXXX of 2011 I lost my wallet with all my personal information in it, as a result several credit accounts ware open in my name, I filed a police report and notified all the companies involved, most of the companies took care of the theft appropriately but a few companies responded that the debt was valid after they investigated the account, I then wrote the company back asking them how they came up with this outcome, because i was Curious On how they could say this when I know I didnt apply or open this particular fraudulent account, I never received a response from any of these companies ever again and they continue to ruin my credit as a result, this is extremely unfair and Im at a point to where I dont know what else to do to get these companies to comply with or work with me in any way or fashion. I have also had close family members open accounts in my name that I have disputed and the companies will not assist me in fixing the issue. I dont know what else to do!

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 2018-05-10
Company: EQUIFAX, INC.
State: CA
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 have asked XXXX for copies of my contract with my signature. They are reporting two accounts with one included in bankruptcy which I have never been in. 

I have asked for both accounts on my credit reports to verify the signature and they have not sent me copies after a few request to do so. The included copies show a payment schedule but no proof of payments made and no proof of a signature. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: GA
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This letter is a formal complaint that Credit Bureau has reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but their inaccurate information could cost me in higher interest rates and I have enough expenses as it is. I been sending to the bureau disputing letters numerous times I have green receipts proof from post Office of delivered my letters but Bureau has neglected my request. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 
1. The wrong amount is being reported XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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