BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-08
Company: DCN Holdings Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX, a collections company, has been calling my business after have been advised multiple times to cease calling my company. The person identifies himself as either " XXXX '' or " XXXX '' however they are the same person. There is a dispute between how much I own XXXX  XXXX and XXXX XXXX is attempting to collect the debt. My administrative assistant has advised them to cease all calls to this office. They continue to call using threatening language. I have recordings of all calls. See below times and dates : From : ( XXXX ) XXXX NA Today XXXX Phone Call Accepted XXXX Voice To : ( XXXX ) XXXX NA Thu XX/XX/XXXX XXXX VoIP Call Call connected XXXX Voice From : ( XXXX ) XXXX NA Thu XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Wed XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Tue XX/XX/XXXX XXXX Phone Call Voicemail XXXX Voice From : ( XXXX ) XXXX NA Tue XX/XX/XXXX XXXX Phone Call Missed XXXX Voice From : ( XXXX ) XXXX NA Fri XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Fri XX/XX/XXXX XXXX Phone Call Voicemail XXXX Voice From : ( XXXX ) XXXX NA Fri XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Thu XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Fri XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Thu XX/XX/XXXX XXXX Phone Call Missed XXXX Voice From : ( XXXX ) XXXX NA Mon XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Tue XX/XX/XXXX XXXX Phone Call Accepted XXXX LegalPrivacy XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX. 
All rights reserved. XXXX and the XXXX logo are trademarks of XXXX, 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 2021-06-21
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Us bank stole {$170.00} from me and lied saying they paid merchant. XXXX XXXX banker told me {$170.00} went to 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 explanation
Consumer complaint received 2019-08-19
Company: Ocwen Financial Corporation
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I paid my loan payment to Ocwen Loan Servicing, LLC (Account XXXX) for years, on time, with auto bank drafts.  Around May 2019, the loan was assumed by PHH Mortgage Services (Account XXXX) and the auto payments were dropped without notice.  When I realized the payment had not come out of my bank, I resolved the issue with PHH, made payments due online and then filled out the required forms with PHH to resume auto payments.  I received a notice dated XX/XX/2019  (attached) that my automatic payments have been cancelled.  When I contacted PHH to inquire, they indicated it was due to a bankruptcy discharge in my past.  When I asked PHH to send me written support for this policy decision, they indicated they were unable to do so.  My experience with the two representatives at PHH was frustrating as they kept repeating they were unable to do auto payments for me, but would not agree to send me a written explanation of their policy or laws governing this decision.I believe I am being treated unfairly.  The bankruptcy in my past was discharged long ago.  I have made on time payments by auto bank draft for years.  PHH has a auto bank draft system they offer their customers.  I believe I am unfairly being discriminated from using this payment system that will better allow me to continue my history of on-time, regular payments.  For PHH to make paying my mortgage difficult seems wrong.I would like PHH to provide written documentation supporting their decision pointing to laws or procedures and I would like information to know how I can remedy this situation so I may once again pay my mortgage electronically on a regular payment schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: PNC Bank N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I tried to link my XXXX XXXX account to my PNC account to transfer money fro. My PNC account to XXXX XXXX  and they are denying the transfer with a block

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The UNNAPPROVED weekly charges added by XXXX SHORTLY AFTER I LEFT FOR A TRIP ; IN XX/XX/2020 caused a banking balance system trip. THIS IS A COMMON OCCURENCE, THE WEEKLY RECURRING SUBSCRIPTION CHARGE IS A 'BURNER ' TO BANKING ACCOUNTS. THE SOFTWARE I SIGNED UP FOR WAS ONLY FOR A WEEK TRIAL. I HAD AUTORENEW, BLOCKED ON MY ACCOUNT, AS SEEN IN SIMILAR SUBSCRIPTION TRIALS AT XXXX. They then ran hotel fees and caused reporting delays. Ultimately, the recurring weekly fees stopped the system as they misreported the account. THEY THEN CLOSED MY ACCOUNT WITHOUT ALLOWING DISPUTE CORRECTIONS. THESE ACTS CAN BE TRACED TO THE INDIVIDUALS INVOLVED. 
I have noticed incorrect/3rd party notifications and, incorrect balance ; leading to charge decline s at POS. I am always aware of my actual balance. There is a wire transfer from XXXX XXXX XXXX for {$10000.00} confirmation XXXX XXXX BANK ACCT XXXX I have not re ceived this transfer. It was not reported on my account. There are many XXXX refunds. Total ing {$4000.00}. I have confirmation of these refunds ; but ; they were not reported. I have XXXX in my account in XXXX. I know incorrect reporting has caused my entire balance to be inaccurate. Also a refund from XXXX XXXX for {$3200.00} was not reported. I have email confirmation of all refunds and the wire transfer. They were never reflected on my Wells Fargo account. Please insure my deposits. My account number : routing : XXXX account : XXXX Thank You, XXXX XXXX MBA PhD XXXX  XXXX  XXXX  XXXX  XXXX XXXX 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 2022-08-06
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
On XXXX 2022 I've contacted Equifax spoke with several reps. about unlawful information on my consumer report. pursuant XXXX5 USC1681 CONGRSSIONAL FINDINGS and STATEMENT of PURPOSE. 15 USC 1681 ( a ) ( XXXX ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit. 15 USC 1681 ( a ) ( XXXX ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
My rights as a CONSUMER is being violated with all the inaccurate INQUIRIES AND COLLECTION on my consumer report. I want them REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: EQUIFAX, INC.
State: SC
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:
I mailed in a copy my dispute letter to equifax on XXXX. It has been over 30 day and I have not gotten a response. I have Uploaded A copy of the letter and a copy of my driver 's licence and A utility bill

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: EQUIFAX, INC.
State: NC
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 RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had my initial loan with XXXX and used the income based repayment plan. No issues. Then in 2015 it was sold to Navient and I have had nothing but issues. I have been trying for months to apply for a IBR as I have to do this yearly. I originally filed my W2 and an application as I was told that would be fine. I submitted this in the end of XXXX, however Navient claims they did n't receive it until XX/XX/XXXX. They also state they only accept that form until XXXX. But nowhere does it state that, nor was I ever told this in my phone calls with them. So, in mid XXXX I received 2 letters in the mail on the same date. One stating it was too early to apply for my IBR plan, and the 2nd saying it was time to apply for my IBR plan. I sent everything in a second time only to be told then that the W2 was no longer acceptable, and to please send in a copy of my pay stub. I did this right away, and now have received a notice that THIS is also not an acceptable form to show my income. I 've sent an email to their advocacy department and explained I am trying dilligently to make my payments, and set up a repayment plan, however I am getting jerked around and it feels like they 're doing this in order to make me pay more interest. Today I got a response via email saying there was something I had to log into to read and I never got that. I feel like I am getting nowhere with this company and my only option is to consolidate my loans and have them moved to another lender. This may result in me paying a higher interest. I have made faithful attempts to work with them and ask questions, only to not get the right information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is incorrect information reporting on my credit report.

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 2018-02-27
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: Their investigation did not fix an error on your report

Complaint:
I recently submitted a dispute to Equifax regarding a XXXX XXXX account ending in XXXX. Instead of removing the since its an older account Equifax updated to report as " Repossession '' This was a chargeoff account that was paid through a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX, TransUnion and XXXX have abused their position of being consumer reporting agencies. With the misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with the boundaries of FCRA and FDCPA.

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 2020-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have placed dozens of emails and telephone calls about lowering our car loan from the Bank of America to {$500.00} per month plus increased interest because my beloved wife XXXX and I are senior citizens of advancing years with very serious health problems that put us at HIGH RISK in the novel coronavirus pandemic. This means we can not work. 

I have repeatedly emailed and telephoned Mr. XXXX XXXX of the Bank of America branch in XXXX, New Jersey and have called the 800 car loan number and have spoken to XXXX who also works in the XXXX branch for a reduction of the loan payments to {$500.00} per month. 

The Bank of America refuses to answer my request and these is after more than three ( 3 ) weeks of my retesting that it lower the loan payment per month. 

The Bank of America is being cruel by denying my beloved wife who is co-signer and me!

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 2020-12-09
Company: Millennial Home Lending, Inc
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a letter from Millennial Home Lending Inc. addressed to me and the bank I have my current mortgage through ( XXXX XXXX XXXX  XXXX. The envelope looked as if there was something wrong with my mortgage with comments on the front of the envelope " Please Open Immediately '' " Time Sensitive Information '' " Expedited Service '' along with a " release signature '' section indicating something needed to be signed. When I opened the envelope, it was only an advertisement to apply for a new mortgage. The outside envelope made me think there was something wrong with my mortgage with XXXX XXXX XXXX. I feel their approach was deceptive by including my mortgage company name in the addressee section of the letter. It's obvious the placement of information and the urgency of the information listed on the envelope was made to scare or worry the individual as if there was something wrong with their mortgage. I feel this is meant as a scare tactic and a deceptive way to make people think there is something wrong with their mortgage and more importantly that the letter comes from my mortgage company when it didn't and has NOTHING to do with my mortgage.

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 2022-01-06
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Complaint I had a hacker hack into my XXXX shared account with my dad, and all my other bank accounts ( XXXX XXXX and XXXX ). XXXX XXXX and XXXX were very helpful and fixed every problem that happened. XXXX on the other hand let a hacker get into my account and let them mobile deposit an electronically made check that was for {$2500.00}, the check was deposited it into my account within 24 hours and on XXXX. A check that wasn't even endorsed by me was let through into my account without my knowledge, after the holiday when the check later was found out as fake the XXXX called me 6-7 times in the same day and have demanded and harassed me for about two months now for the {$2500.00} for the fraud check that was not even deposited by me. The VP of the branch listed above was named XXXX XXXX and she was the one I talked to about everything, after visiting her and her being of no help she gave us the name XXXX XXXX who was the vp of all the branches in the area. Now they have withdrawn {$2000.00} from my paypal account without my permission. I called paypal and they do not understand why or what is going on and suggested I contact the bank since they were the ones to do this. I have NO access to my XXXX  account they have locked me out of them I also have not contacted the bank as I feel as if this may be someone internally. I have filed two police reports regarding the situations and currently working on an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: EQUIFAX, INC.
State: TN
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:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. I understand the Covid-19 going and its tough right now. section 611 ( a ) its is plainly stated that a failure to investigate these items within 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Eastern Account Systems of Connecticut, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In response to the previous complaint First of all that is not accurate you are in fact reporting it as paid as proof by my documentation provided by XXXX when it should have been removed. 

Secondly, the documents have already been provided to you via certified mail that prove there is NO DEBT and will not be provided again. 

Thirdly the secondary document was provided by you, eastern account systems, and was what you sent me in an attempt of validation of debt after I disputed it with you. What you sent me and lets be perfectly clear Was a statement with a zero balance. You sent it to me so You cant really be this XXXX XXXX. 

I have ample documentation and your continuing to pursue this matter despite having all the facts and a preponderance of evidence in negligence and intent to inflict harm. Good luck arguing against the now 4 fcra violations ..

You do not have permission to contact me again regarding this matter ( 4 fcra violations now ) the information will be removed from each credit bureaus regardless of what you keep attempting because I have the facts and documents so your only wasting your own time but hey XXXX XXXX again Ill surely enjoy that XXXX per violation since its so evident you have negligently and willfully harmed me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/16  I took out a Flex Loan with Advance Financial. The APR is 279.5%. My payment is $XXXX bi weekly. $XXXX is interest and fees. I have paid my borrowed balance many times over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I submitted a deposited a check via ATM deposit on the evening of Thursday, XX/XX/XXXX. The funds were available the next business day. I waited until Monday, XX/XX/XXXX to charge against the funds. Without warning my account was frozen that evening. I realized that the account was locked when I attempted to get gas this morning, XX/XX/XXXX. At that time I tried to access my mobile banking and was unable to login. I then called the XXXX customer service number and could not validate my account. I requested live help and was told by the representative that my accounts had been frozen pending closure. Without any notice. When I asked for an explanation, I was advised that the information could not be given over the phone and that I would receive a letter of explanation in the mail. Distressed by that response, I proceeded to my local branch for answers. Upon arrival I was seen by a banker who explained that the ATM deposit was being returned unpaid, and that because the account was newer, would be closed. I left the branch to confront the business that issued the check and was advised that the check had been already been paid. Furthermore, the issuer 's bank, XXXX XXXX, provided me with confirmation of the payment. When I approached my bank with this information, I was told that it was immaterial and the account was to be closed due to the invalid deposit. At this point I am in real distress as I had transactions out on money that no one wanted to be accountable for and that had virtually vanished. I repeatedly asked for Suntrust to help in this resolution, touting that XXXX XXXX had made an effort, but Suntrust simply denied interest in the funds or my continued business. I implored several times asking for administrative contacts who could help me, but was instructed to call the XXXX number. The number that refused to talk to me at all. Now I am terrified that my meager assets have been frozen, and that the money will not be recovered in timely manner ( because Suntrust shows no interest in resolution ), and I will be doubly responsible for these funds. I have no recourse at this time, with the exception of this complaint. I have tried to contact attorneys to help me navigate the system, but have been unable to find any that practiced in this area. Please please please help!

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