BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-01
Company: Sensible Auto Lending, LLC
State: MA
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 account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Contacted XXXX, since I am not able to get my credit report with them. 

Initially they said they need proof of my identity so they request a fax with my drivers license and social security card. I did several times and received response they weren't able to verify my identity. 
Called again XXXX and they confirmed they received the copy of my social security card, driver license and request of credit report but they just don't have a credit report for me. 

They said they created a report but the credit file is just empty, no accounts is been transmitted from my lenders. They asked me to contact my lenders to verify they are doing they job reporting the credit accounts. 

I contacted my lenders, XXXX ( 2 accounts ), XXXX XXXX, Bank of America and XXXX XXXX and all lenders said the same : they are reporting to all major credit bureaus. 

Had to call XXXX one more time and they required one more time to contact my lenders. The problem is that everytime I contact XXXX they don't get anything done and change the situation, at the beginig they said it was a fraud alert, later they said it was a issue with my lenders and now they said is a problem from the XXXX Buisness department??.

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 2020-09-04
Company: Gatestone & Co. International Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted Gatestone, a company contracted by XXXX XXXX to collect debts, through phone ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and email ( XX/XX/XXXX, XX/XX/XXXX ) in an attempt to reinstate my credit cards from XXXX XXXX. I was ignored on every email contact attempt despite confirmation of the email address from phone representative contact on XX/XX/XXXX. I was able to reach my " account manager '' on two of these dates, and was spoken to rudely and briefly. I spoke with the first level of support on the other phone dates. I was informed by my account manager that since credit card 1 was cancelled and it was beyond 120 days since cancellation, my account could not be reinstated. I called and asked about reinstating card 2 since it was close to 60 days and was told by level one support that it wasn't  possible ( for reasons unknown ) but I have spoken with XXXX XXXX and they informed me Gatestone should be able to reinstate credit card 2. I am requesting that credit card 2 be reinstated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-08
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had an incident where my wallet was lost, along with my identification and bank cards. Upon realizing what happened, I immediately checked online for any purchases using my PNC checking accounts. I went into the nearest PNC Bank and informed a representative of what happened, identified multiple fraudulent charges, and I asked the representative to have my account information changed and reissue new cards. After a week of waiting for new cards ad account information to arrive I contacted the bank regarding when I should expect my new account information, and was informed that my accounts had been " administratively closed '', and that I should contact their loss prevention/security department for further information. When I contacted the recommended department I was basically told that my accounts were closed due to fraudulent activity, and that I would not be permitted to reopen that or any other accounts with PNC. I asked many questions, but got entirely NO answers or any satisfactory resolution. I was treated extremely unkind and was talked to as if I was a criminal. After several unsuccessful attempts to resolve this, I eventually opened an account with another bank. I recently, however, pulled my XXXX report after having been denied the ability to open another account for my son. When I received my report, I saw that PNC has reported that there has been " Suspected Fraud Activity '' on that account. That 's TOTALLY WRONG of them to do that, especially since I did everything I knew to do and that I was the one to initiated a fraud investigation in the first place. Each time I went into the branch to get answers I was referred to the same fraud department who wasted my time and treated me horribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
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: Account information incorrect

Complaint:
Ive tried disputing Allydirect.com information with XXXX  Credit Bureau chat line Representative XXXX on today XX/XX/XXXX after XXXX but representative did not update record but instead disconnect the chat. Ive paid XXXX in full in XXXX but XXXX did not post to my account until the first week of XX/XX/XXXX. Ive disputed this record numerous times but no success. XXXX  Credit Bureau has updated the information on their site as paid in full and account closed but when I told the representative XXXX with XXXX  per the representative statement that they do not update record for XXXX  which wasnt request I was asking and Im not sure how or why this type of response was given. I tried sending the chat request again to explain what Im requesting but the representative closed the chat in the middle of my response. XXXX has prevented me in placing a dispute due to no option for me to select the company. The balance is reflecting in the total debt but I dont see the company to select it to dispute and the representative did not take my request to place a dispute.

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 2018-07-18
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, PNC Bank took two mortgage payments out of my checking account instead of one, a result of a computer error, according to them. I called their customer service team, and they stated they would credit the second payment back to my checking account. After nearly three months, they have credited back approximately half the amount of the payment, but the remaining XXXX remains outstanding on my loan balance. I have called them multiple times concerning this issue, but they have been unable to solve the problem. As a result, I have been getting calls from their automated late payment telephone number, and have received a letter stating that I am behind on my payments, when technically the opposite is true. I have spoken to many people at the company, and all seem unable to help resolve this issue. I am submitting this complaint as a last resort in hopes that the issue can finally be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2018 a family member of mine wired {$25000.00} to my Coinbase account. We received an email on XX/XX/XXXX rejecting the amount because it was not from an account associated with my name ( although it was my same last name ). We waited several days for it to be returned, but it was not. We placed a trace/recall request but that was rejected due to coinbase 's bank not responding. I contacted Coinbase on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have received some communication back, but it was just to tell me that they were looking into it. I hired a lawyer, who had a conflict of interest due to an investor in Coinbase. I am looking for a refund of the money as it was due. I have asked for updates, to speak to a representative ... but no one has communicated to me. A few days later I wired an additional {$25000.00} from my own account which I did receive. This is a different amount. Please advise on what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my Wells Fargo home loan, the refi loan closed and was paid in full on XX/XX/18. On XX/XX/2018 they charged XXXX to PMI. There is no balance to cause a PMI charge, this doesnt make sense.

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 2020-09-03
Company: CITIBANK, N.A.
State: CA
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:
Contacted XXXX, since I am not able to get my credit report with them.

Initially they said they need proof of my identity so they request a fax with my drivers license and social security card. I did several times and received response they weren't able to verify my identity. 
Called again XXXX  and they confirmed they received the copy of my social security card, driver license and request of credit report but they just don't have a credit report for me. 

They said they created a report but the credit file is just empty, no accounts is been transmitted from my lenders. They asked me to contact my lenders to verify they are doing they job reporting the credit accounts. 

I contacted my lenders, Citibank ( 2 accounts ), XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX  and all lenders said the same : they are reporting to all major credit bureaus. 

Had to call XXXX  one more time and they required one more time to contact my lenders. The problem is that everytime I contact XXXX  they don't get anything done and change the situation, at the beginig they said it was a fraud alert, later they said it was a issue with my lenders and now they said is a problem from the XXXX  Buisness department??.

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 2020-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital One refused to release the payment that was made on my account stating the bank I used to make the payment was holding the funds. I confirmed with the bank and they stated that was not true and in fact I can even see that the money was deducted from my account as well as my bank can too. I called Capital One with the bank on the line to verify the information and Capital One stated they can not released the funds until the payment is confirmed. They will not even speak with the bank to even verify so it makes NO sense!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, My current mortgage servicer is PHH, previously called Ocwen. They are most likely looking to reassign my Mortgage. PHH states Im about 4-5 months behind, and that I still have a balance of a bit over {$18000.00}. I however believe my mortgage should actually be paid off. 

The original amortization schedule was due to mature in XX/XX/XXXX. I did however have an arrearage of a bit over {$19000.00}, when Ocwen took over my mortgage, from XXXX XXXX XXXX, in XX/XX/XXXX. Due to this arrearage, Ocwen altered the way my payments were divided between principle and interest, which more closely matched they way interest and principle would have been applied around 30 months prior. My payments followed this trend, ever since around XX/XX/XXXX. However, an organization called XXXX paid all my interest in arrearage, in lump sum payments. Ocwen never rebalanced my loan. I have paid around {$18000.00} excess interest, which should be applied to interest. 

I have drafted an Notice of Error, and Information Request Letters, which I plan on submitting to PHH.

In an effort to slow things down, I am also going to submit an Application for Assistance, which PHH originally told be I had until XX/XX/XXXX to submit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had money sent to me from a friend and theey sent it as if they bought a product from me and i already verirfied the transaction to pay pal and they still froze my funds for 180 days. I want my {$1600.00} back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The following accounts should not be on my credit file, simply because they're not mines. Those particular accounts derived from identity theft. Please remove the following 1 ) XXXX XXXX XXXX  2 ) 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 2018-02-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had a Chase XXXX XXXX checking account about 3 years ago and i was a victim of theft and fraud. My Debit Card had been stolen and was used to deposit fraudulent fake checks through my account and the money was then withdrew in advanced. Of course the check bounced and i was left with an outstanding balance of around {$4000.00}. At that time i was a minor and didnt know much of anything. I made a report with chase and told them that i did not make any of those transactions and they didnt help at all. They closed my account and left me with over {$4000.00} to pay in an outstanding balance. I think this is unfair because i was a victim in fraud and being a minor i was scared and didnt know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Experian Information Solutions Inc.
State: OK
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:
In XXXX The company let me know it is unable to respond because your complaint involves the same issues raised in pending or prior litigation. Here it in XXXX and the case is still being reported as Open and late on Payments. The company is XXXX. The have reported to the three credit bureaus antiquated informations on my name for the last seven years. They have stated that i have an education loan from XXXX and XXXX and reported that I have been late. The account was discharged in my bankruptcy for the school not being accredited. Every month XXXX is playing with my credit score, they will report it closed, then open, then up to date. This is causing a great deal of stress on me and I am in the process of filing a lawsuit.

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 2020-07-06
Company: Riverwalk Financial Corporation
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account multiple times requesting documentation each time. So far all I've received is a 50 % settlement offer for an account that still remains unverified. Deville has called me during a pandemic. They have threatened to sue me. They have refused validation. They were raided by the FBI. I will not deal with a company that doesn't play by the rules. They have violated the Fair Debt Collection Practices act and The Fair Credit Reporting Act multiple times! PLEASE HELP ME, I '' M A DISTRESSED CONSUMER!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: EQUIFAX, INC.
State: OK
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:
In XXXX The company let me know it is unable to respond because your complaint involves the same issues raised in pending or prior litigation. Here it in XXXX and the case is still being reported as Open and late on Payments. The company is XXXX. The have reported to the three credit bureaus antiquated informations on my name for the last seven years. They have stated that i have an education loan from XXXX and XXXX and reported that I have been late. The account was discharged in my bankruptcy for the school not being accredited. Every month XXXX is playing with my credit score, they will report it closed, then open, then up to date. This is causing a great deal of stress on me and I am in the process of filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Ditech Financial LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2017 DiTech Mortgage sent XXXX from XXXX XXXX illegally into my home.  Was told to contact XXXX XXXX to pay for damages and stolen property in the amount of $XXXX. Police report was made.  Have tried repeatedly to get this resolved to no avail.DiTech  Mortgage. Ph: XXXXXXXX XXXX XXXXXXXX  Az XXXXXXXX XXXX Manager XXXX  Ph: XXXXXXXX XXXX attn: XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. Chapter XXXX Bankruptcy Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Reference # : 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 2018-07-17
Company: FORD MOTOR CREDIT CO.
State: GA
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 contact Ford Motor credit and have sent them documentation to show that I was not the one that opened this account. They have refused to assist me and getting this matter resolved. Ive sent them all documents that they requested. I even called and was told that a letter was sent to me requesting additional information but they sent it to the fraud address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion needs to block and remove fraudulent accounts immediately because someone stole my identity and personal information in order to obtain credit cards in my name without my permission : 1. XXXX XXXX XXXX ACCOUNT # : XXXX Balance : {$28000.00} 2.  XXXX XXXX  XXXX ACCOUNT # : XXXX BALANCE : {$6700.00} 3. XXXX ACCOUNT # XXXX BALANCE : {$3000.00} 4. XXXX XXXX   XXXX ACCOUNT # : XXXX BALANCE : {$550.00} 5. XXXX XXXX ACCOUNT # : XXXX BALANCE : {$3700.00} 6. XXXX XXXX ACCOUNT # : XXXX BALANCE : {$3600.00} 7. XXXX  - XXXX BALANCE : {$1400.00} 8. XXXX - XXXX BALANCE : {$3500.00} The following inquiry needs to be deleted and removed immediately because I did not authorize it : 1. XXXX  XXXX  XX/XX/2019

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