BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-11
Company: Experian Information Solutions Inc.
State: MI
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:
There was an error on my credit report reported by XXXX XXXX XXXX XXXX in XXXX XXXX, MI. It is reporting that I was late in XXXX of 2017 on my camper payment. I was not. The payment was sent electronically and posted to the credit union savings account instead of applying it to the loan. I have contacted the credit bureaus and tried to get it resolved. They just look at the payment history and do not read the notes so they continue to verify it as late. I have a letter from the XXXX XXXX XXXX XXXX saying the reporting is incorrect but they the credit reporting agencies will not change the late payment to current.

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 2021-09-13
Company: Penn Credit Corporation
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PENN CREDIT XXXX XXXX XXXX XXXX XXXX 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 2017-10-09
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received repeated phone calls from Navient regarding student loans. I have attempted to arrange payments with them in the past and they declined the amount saying it was not enough. Given their refusal, I informed them that in that case I will not be paying anything. 

Since doing this, a representative from Navient has called my cellular device on a number of occasions and I have asked them to please and they persist. In addition, a representative from Navient has proceeded to call my family, friends and place of employment in an effort to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called in attempt to resolve issue with disputes that with a lender that were resolved. The agent in a 45 minute phone call ( name given was XXXX XXXX ) refused to expedite the matter by 1. Listening to the request, 2. Transferring to another agent or manager, 3. Refusing to disclose case or confirmation number, 4 ) purposely stonewalling any request or simple due process. 

The agent failed at all terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
some went in and to my security box illegal twice at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. My box number is XXXX my name XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. My wanted XXXX  XXXX XXXX XXXX XXXX and her XXXX XXXX ex veteran brother XXXX XXXX XXXX who loves to flashing fake law enforcement badges are being behind this or one there friends. Please email or mail the complaint forms. I also call contact the Texas states Attorney General. Please the wanted fugitives love call places thousands of times trying stop and cancel my complaints claiming to be me over the phone or write Letters using my stolen identification cards one from XXXX XXXX XXXX XXXX Massachusetts another from XXXX XXXX XXXX XXXX TX my apartment was broken in twice the my spare from my safety security box.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Experian Information Solutions Inc.
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:
Experian is claiming that I owned a XXXX 's credit card ( listed as XXXX Account XXXX on my report ) which they say was closed in 2013. 

I have never owned a XXXX 's card, much less an XXXX XXXX card of any kind, in my entire life. I said as much to Experian when I disputed the account. They came back and said that the account is mine, and they have proof of such that I can not have access to. My only recourse was to submit documentation or contact them by phone. 

I have no idea what kind of documentation I can provide of something having not existed. It seems like a preposterous Catch-22. Furthermore I have called them a number of times and they have not told me what that documentation is or what it could possibly be. They have explicitly said they will not tell me what kind of documentation to provide, only that I must provide " it. '' I am unable to verify with XXXX 's that this is my account since I do not have enough information about it. 

Let me be clear, this is not a delinquent account or a negative point on my report. Regardless, is it false and I do not know if this is identity fraud or just incompetence of the part of Experian but this is NOT MY ACCOUNT and I have no understanding of how to prove 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 explanation
Consumer complaint received 2018-01-09
Company: Experian Information Solutions Inc.
State: AL
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:
Noticed there was inquiries on my report that arent mine and Werent authorized by me at all. I sent over an FTC identity theft report to Experian also Ive called in to dispute the inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX 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 2020-02-11
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX to NewRez mortgage on XX/XX/2020. I  made a payment to NewRes in the amount of {$1300.00} they have applied only {$1000.00} to my account. I have attempted to contact them via telephone, I received the typical longer hold times than normal due to higher than normal call volume. I was on hold for 30 minutes before hanging up, please help me get the remaining {$260.00} credited to my account or refunded to my payment method.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: CITIBANK, N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Citibank has blocked a personal checking account as of XX/XX/XXXX due to suspected fraudulent activity. 
2. A check provided by Mr. XXXX XXXX residing at XXXX XXXX XXXX, XXXX XXXX, XXXX, Indiana, XXXX for {$4500.00} has been returned reason E - unable to locate account 3. The originating bank is XXXX XXXX XXXX XXXX  and the check has the address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX, AZ, XXXX 4. As a owner of a XXXX XXXX XXXX XXXX   started in XX/XX/XXXX, I have received a number of payments from clients with very few bad checks. 

Citibank has created the same issue in XXXX when I received another check from XXXX XXXX and they returned the check. The amount had to be authorized again In XXXX, a forged check {$200.00}, XXXX XXXX had to be investigated after considerable time and effort was put in by the consumer to have the appropriate Citibank offices provide timely information. 

5. Mr. XXXX reached out to me via XXXX  and XXXX  ( short term holiday platforms ) to book a holiday XX/XX/XXXX-XX/XX/XXXX. Thereafter he proceeded to email every few days requesting a booking. Upon receiving payment requirements, he said as it is a company check, it would only be paper and after getting an invoice and the property address, a check was received as of XX/XX/XXXX. 
5. As of XX/XX/XXXX, Citibank placed a hold on the account through branch XXXX, block XXXX. At the moment, Im unable to pay mortgage or any bills due to this issue with the banks. 
6. The XXXX XXXX XXXX XXXX  only has a branch in XXXX, Arizona and they do not have any locations in XXXX. They also have not been able to confirm if XXXX XXXX is a client or if XXXX XXXX is associated with this person.

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 2018-03-16
Company: Ingo Money, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I was attempting to deposit a check using the deposit a check feature offered by financial institution XXXX XXXX but provided by XXXX. I keep getting an error that XXXX XXXX is unable to verify my identity. I contacted support by phone who transferred me to XXXX XXXX who is telling me they are unable to fix the issue and there is nothing I can do. The automated system says my account has been closed and it does not even have the correct birthday for me in the system! I am unable to add money to my bank account so that I can pay bills and use other features offered. They are refusing to resolve the incorrect information in their system I have only attempted to use the check deposit feature one time to deposit a government issued check. I have called and emailed support who has been unwilling to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: BB&T CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I rarely go online into my childrens accts. I happen to go in to see how much was in my sons savings acct because his CD is up for renewal and I usually transfer a certain amount over into it. I have done this since 1997 when the acct was opened. When he turned XXXX the bank said he youth acct would be converted into a student account so he would not get hit with any fees. I said great. There are numerous banks who offer this but I have always been with this bank so I would leave it there. ( BBT just bought out the bank I had forever ) So it is a BBT acct now. So I just go in and I see {$5.00} take out monthly. THey have taken out over {$100.00} in monthly fees. This is a student account that is suppose to have no fees. This is unacceptable and scrupulous business practice. Stealing money from children. They should be ashamed!

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 2020-02-11
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an account with XXXX which is serviced by Comenity Bank. I paid a day late over the XXXX holidays and incurred a late fee. I did not dispute this but asked for a courtesy removal since I only recently opened the account and have no trouble paying my bills. The fee was reduced from {$39.00} to {$24.00}. On XX/XX/XXXX I paid my bill on the due date at XXXX in the XXXX, after I arrived home. I am XXXX  at an XXXX XXXX XXXX and work 60-70 hours a week. It is often not possible to get to a phone or on line for personal reasons during the daytime. Comenity added a {$39.00} late fee to my account for not paying before XXXX XX/XX/XXXX. I spoke to a customer service agent who could not remove the fee - and could not reduce it because of the XXXX reduction. He transferred me to XXXX, a service account specialist at Comenity ( # XXXX ) and she said that this is Comenity policy. This is a deceptive practice. For the moment, I would like this late fee reversed. In the long run, I would like Comenity to change their policy. Either give the consumer until XXXX  or make the due date a day earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: NH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX has reported to credit bureaus I was late more than XXXX date in XXXX and XXXX. And that is incorrect. I called and was told I can not speak to a dispute rep. And the supervisor seems it valid. Even though I made the payments. The XXXX month I was late was XXXX and thats not reported. Ive attached payments for both XXXX and XXXX shown less than 30 days in the billing period

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
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 was result of identity theft

Complaint:
I am a victim of identity theft due to a XXXX  credit beech. On XX/XX/2020 I submitted required identity theft documentation to Portfolio recovery associates account # XXXX. They continue to report this fraudulent account .Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11
Company: ENCORE CAPITAL GROUP 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: Their investigation did not fix an error on your report

Complaint:
MIDLAND CREDIT MANAGEMENT I have recieved the results of an investigation that an item was deleted from my credit report. However, I recently viewed my report online and the item is still being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I submitted a request to coinbase.com on XX/XX/XXXX for help with my account. They got back to me on XX/XX/XXXX saying that A support member would be in contact with me to fix the issue. In the mean time I called twice and waited 2 hours on the phone with an operator only for them to tell me they couldnt help me and to wait for an agent to respond to my email. They even told me I would be put on the priority list. I continued to email them 5 more times since XX/XX/XXXX until today. Still havent heard a single word regarding my complaint. This has caused my funds to be unnattainable for over a month in a market that moves every hour of every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have disputed this 3 times with Experian. The other 2 bureaus have removed it. This XXXX account is for someone in XXXX XXXX. I called the company and they said the name and address are not mine but my social security number was used. I also sent an email on XX/XX/20 to XXXX to investigate this account and yet it still remains on my 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 non-monetary relief
Consumer complaint received 2017-09-08
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:
Equifax allowed my personal data to be breached due to their own negligence regarding security.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent Coinbase a wiretransfer of {$2000.00} and on XX/XX/17, I received an email from them saying : " We appreciate your interest in Coinbase! You recently sent a wire to your account for {$2000.00} XXXX, unfortunately we were not able to process this wire due to a name mismatch and your money has been sent back to your bank. ". They claim on their website that it would take up to 10 business days for the wire reverse to complete but it has been over 20 days and I have yet to receive my money back. I opened a support ticket with Coinbase ( case # XXXX ) but have not yet received any resolution from their customer service team.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Holloway Credit Solutions
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company Holloway Credit Solutions located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Al, XXXX reported a bill on my credit report without contacting me. 
They have my correct phone number and mailing address. I only found out about the debt after reviewing my credit report. 
I think this is a tactic they use to get people to call them. The medical bill is so old now that it can not be disputed using my insurance which I had at the time of service. They need to contact before reporting to credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: Experian Information Solutions Inc.
State: MD
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:
Credit Bureau is reporting inaccurate information on credit report with XXXX. Account went from OK XX/XX/XXXX-XX/XX/XXXX, LATE XX/XX/XXXX, CHARGED OFF XX/XX/XXXX NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX, BACK TO NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX-XX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS

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 2017-07-30
Company: BB&T CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a checking account with BBT. ( they recently bought a local bank who I never had a problem with ) I looked at my X/XX/17 statement and I noticed a check # XXXX for {$10.00}. I had no idea what that check was so I contacted the bank. I received and email from the branch manager stating it was check XXXX converted. I pointed out to her that if she looked at the statement, check # XXXX cleared for {$10.00} on X/30 and they also took out {$10.00} as check # XXXX. Same amount same business. This is the third time a small amount of a check was converted into a check i was n't familiar with. I asked if the bank was doing this to all customers? Is someone there stealing small amounts of money out of peoples accts in a " converted check '' form? Its only {$10.00} but its my {$10.00} and this is the third time this happened and who knows who else this is happening to. The money is still not in my acct and I have not heard back from anyone. BBT at the XXXX XXXX XXXX PA location was the one I was dealing with and I also emailed corporate.

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 2017-07-28
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt not mine. It is showing up XXXX XXXX XXXX from a hospital called XXXX XXXX XXXX. Please have XXXX XXXX XXXX remove from my XXXX credit report. Someone has been using my social security number and they 're a lot coming up on my XXXX. It is showing negative. Please have them correct this and have the report updated. Amount is for {$120.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.

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