BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-03
Company: United Shore Financial Services, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have been in a forbearance due to Covid19 since XX/XX/XXXX. 
I was offered a work out solution in XXXX XXXXover the phone but DID NOT accept because the payment was not affordable. 
So we just extended the Covid19 related Forbearance this can all be heard on the recorded lines the lender should have.

I am covered under the Cares Act.

me and my husband had a 180 day late payment posted on our credit history on XX/XX/XXXX. 
report to XXXX, XXXX and XXXX. 

I called my lender several times to correct his and I filed a dispute in XX/XX/XXXX. 

I reached out to my lender today XX/XX/XXXX XXXX for an update to the dispute and I was told that they looked into the credit report history date of XX/XX/XXXX. 
XX/XX/XXXX is NOT the date THAT I am disputing, that date is reporting correctly. 
So that was a waste of 30 days!! 

XX/XX/XXXX is reporting from my lender as 180 day late. 


please have them remove the late, as we are still in Covid19 forbearance. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted this company 4 times, each time I get a different story. I would like to get this debt settled but XXXX XXXX says that they will not remove or delete this off of my credit file.I have offered to pay them 30 % of XXXX which come to XXXX. I learned they bought this debt for XXXX from XXXX. Everyone I spoke to was nice but was never able to assist me with this issue. I would like this item completed removed from my profile. I have asked them to please send me a letter to my address on their letter head stating that once I pay this amount they will remove and delete this from my credit report. Please help I would like to soon move into a home and this derogatory mark is preventing me from home ownership. Please CFPB I really need your assistance on 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 2023-01-23
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I wrote XXXX on XX/XX/XXXX in reference to debt appearing on my credit report from a company called XXXX XXXX. I called acceptance rentals who informed me that that sold my information to a 3rd party Vance & Huffman LLC. I then wrote Vance & Huffman LLC who sent me what appears to be signed contracted. This was a digital copy of a contract with my name typed on the line. Next this company shows that that debt was obtain in XXXX and was paid from a XXXX XXXX account and the account number ends in XXXX. I have been with XXXX XXXX since XXXX I have no account ending in XXXX Also, that have an unclear copy of an id attached to this contract. I have never obtained anything from this company. I demand to see VERIFIABLE proof please. I want to see a clear photo of id that was used to obtain the debt and a second from of information linking me to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: ROBINHOOD MARKETS INC.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I requested to close my account with Robinhood and make an ACATS transfer to my existing XXXX brokerage. This request was on XX/XX/XXXX. I only had one share of one security. They charged me a {$75.00} transfer fee. They did not mention this in the transfer request. This was more than the value of the one security, so they took money from my XXXX account and therefore it got sent into a negative balance. Luckily I was not charged any fee from XXXX, but this seems wrong from Robinhood for just wanting to move to another brokerage. If I had known it would take me into the negative on a completely different account, I would have just sold the security and taken cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 receiving a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX  XXXX {$170.00}

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 2020-05-08
Company: Experian Information Solutions Inc.
State: AL
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 XXXX XXXX i sent all 3 credit bureaus certified mail disputes of inaccurate things on my credit report and i have not received anything yet over 45 days now. my understanding if a investigation take more than 30 days all inaccurate information must be deleted from my credit reports.

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 2018-03-13
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I lost my money in Debit card And I dont know how I have to getting back to my Debit card that ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-13
Company: Experian Information Solutions Inc.
State: NC
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 tried on several occasions to get Experian to XXXX XXXX XXXX XXXX on my credit report, they refused even thou I have a letter from XXXX stating they will no longer update my credit report. It is my right according the XXXX XXXX XXXX the Bureaus should investigate inaccurate information. If XXXX is not updating my credit report how is Experian getting its information. XXXX has illegally reposed my vehicle and every credit reporting company has investigate and deleted this item from my credit, but Experian refuses to even investigate and when they did investigate the came back with some e-Oscar verification. I request a reinvestigation AND your Method of Verification.

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 2018-08-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I purchased a mattress in XX/XX/2017 at 0 % financing for 12 months. 
The purchase then appeared on my statement as a regular financed purchase. I called XXXXXXXX XXXX credit department each month ( XXXX, XXXX, XXXX, XXXX & XXXX ) after receiving my new statement to resolve the problem. During each phone call I was promised the problem would be corrected and all interest charged thus far would be credited back to my account. 
To date, the problem still is NOT fixed. I am still being charged interest on the mattress purchase and the back interest still has NOT been credited to my account.

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 2021-01-26
Company: JPMORGAN CHASE & CO.
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Received a phone call from an automated message claiming to be calling about an issue with my debit/credit from Chase Bank and I usually hang up by that point. I have not banked with Chase  in over a decade. I have received this call multiple times but am finally reporting it. The number that called me was XXXX XXXX XXXX XXXX XXXX from XXXX, XXXX, XXXX according to the caller ID. I block the number each time I get one of these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: PNC Bank N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was a customer of PNC Bank. I had a personal checking, money market savings, business checking, business credit card, and auto loan all with this bank. 

I received solicitation from PNC on or about XX/XX/XXXX for a promotional 0 % APR balance transfer for business credit card. On XX/XX/XXXX I took advantage of this promotion and completed a balance transfer of {$5800.00}. They increased my credit line to complete this promotional balance transfer. On XX/XX/XXXX I received multiple letters from PNC for each account held with PNC stating that they will close all account on XX/XX/XXXX. There reasoning was that " they reserve the right to close accounts ''. 
Contacting them directly did not provide any more information. 

They closed the credit card account that we completed the balance transfer. And removed the promotional 0 % APR and now is charging me finance charges on this balance. 

I do not understand why they closed all of our accounts. We had done nothing against their policy. We moved all funds and opened new accounts at another bank. The issue we are having now is that the solicited us to do a balance transfer and almost immediately closed the account and removed their promotion. We pay {$500.00} a month and not missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Duncan Solutions, lnc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a collection letter AGAIN for a toll from using the PA TURNPIKE - this is now several that we NEVER received any invoice or ANY information that their was any amount owed. AGAIN this HAS BEEN SEVERAL. NO INVOICE- STRAIGHT TO THIS COMPANY FOR COLLECTION-NO DATE, NO PROOF of VALIDITY - NO INFORMATION AT ALL- we receive several of these and no one seems to have any Information from the STATE of PA- This latest letter for collection is dated XX/XX/XXXX. NO one has been to PA since XXXX XXXX then just received this 11 months later. In addition, I registered this car in NC in XX/XX/XXXX and I was told i had " tolls from PA '' and in order for NC to register the car these had to be paid and although they still provided no proof I paid the amount and was proven to NC and was then able to register my car. THESE CHARGES ARE NOT VALID.!!!! I have contacted several employees at the PA TURNPIKE and NO ONE WAS WORKING DUE TO COVID- THIS HAS BEEN A HUGE ISSUE ACCORDING TO MULTIPLE SOURCES at the PA TURNPIKE . This collection agency also have a history " NOT VALID '' claims- XXXX XXXX complaints for this exact issue in just a couple years.

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 2017-09-13
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 failed me and 140 million other Americans in protecting our privacy information such as Social Security Numbers. Have these idiots ever heard of encrypting sensitive personal information in their databases?? Apparently they do n't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX i sent all 3 credit bureaus certified mail disputes of inaccurate things on my credit report and i have not received anything yet over 45 days now. my understanding if a investigation take more than 30 days all inaccurate information must be deleted from my credit reports.

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 2018-12-04
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection on my credit report from a collection agency called XXXX XXXX XXXX. I disputed the account with the credit bureaus and I was informed by XXXX to also file a complaint. XXXX stated to me, to file the complaint when I told them I have 2 collection agencies on my report who claim they are collecting for them. I was advised to file a complaint and dispute with the credit bureaus because they did not send or assign anything in my name to a collection agency. I actually have two collections on my credit reports who claim they are collecting for XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX. I am filing complaints on both companies bc they are illegally attempting to collect on debts they clearly do not own. How is it possible for 2 collection agencies to be trying to collect on the same debt?? XXXX XXXX did not assign the debts. They have yet to properly validate the debt according to the FDCRA. Please remove this bogus collection from my reports and I will not hesitate to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/21 I tried to submit a {$120.00} payment through Paypal.com to a friend in XXXX. Paypal failed to disclose anywhere in their website while I was doing the transaction that the money would not be available to my friend until XX/XX/XXXX ( 21 days later ) before I submitted the money, and only showed this information after the transaction was submitted. I contacted their costumer service and said they were unable to cancel my transaction, and that I should have called them before sending the money to know about the 21 day delay, and that they did not have to disclose this, but that I should know the countries regulations and there was no way for me to dispute the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Amazon 's store card through syf " bank '' refuses to provide downloadable statements unless you opt out of mailed statements. 

https 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 2018-02-23
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I CONTINUE TO BE HARASSED ABOUT MY XXXX  COSIGNER. This has crossed over to undue stress as they are brought up EVERYTIME despite having filed his death certificate with NAVIENT on 3 separate occasions through fax and physical mail. This compounds the hardship I now face XXXX  him in life and financial assistance and it is harassment towards his family that did not sign up for supporting the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
my credit reports are not correct, I tried to dispute and and send information through web asking for these things to be looked into. I also got protection on my account because I belief theres been information accessed not by me on the XXXX hard inquires. also dispute been sent for the 2 XXXX  marks and I have not seen the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Bread Financial Holdings, Inc.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On Friday XX/XX/XXXX, I applied for the West Elm Credit Card ( from Comenity Bank ) at the store located in XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. After more than 30 days later I never received a response from the credit card issuer, clearly violating ECOA. 

During the last weeks, I called numerous times to ask for a response regarding the approval or denial of my application ; with no accurate responses awful orientation from Customer Service ( XXXX ). The only information provided was that I was going to receive a letter from the bank with instructions to continue the application process. 

After various additional calls, where I had to explain again the situation and the tedious process it has been, I was finally provided with an address to send some documents required to validate my personal information. I sent a copy of my ; Drivers License,  Passport, Social Security Card and a bill from XXXX XXXX XXXX to validate my mailing address. Weeks passed by and I never received a response for approval or denial. 

On XX/XX/XXXX, I called ( for almost the 10th time ) and representative XXXX Employee number : # XXXX told me that they were not able to see my application information in their systems, even though I have a credit hit in my XXXX report by Comenity Bank for my application ( XX/XX/XXXX ). She also said that my application could have been lost in their offices and my only remedy was to apply again or to send a letter to global support. 

After that conversation with the representative I applied again by their website obtaining an instant approval for the credit card. However, now I have 2 inquiries from Comenity Bank in my XXXX XXXX credit report. One from XX/XX/XXXX related to my first application and a second one from XX/XX/XXXX, XXXX related to my second application. 

I need help to make the Bank erase the first credit inquiry to my credit report since they were not able to process my 1st application, neither notify me about a denial or approval. I can not have 2 inquiries for the same credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I found 3 fraudulent account on my credit report I listed the accounts not belongs to 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 2020-05-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I noticed unauthorized activity on my chase checking account ending in XXXX, via debit card ending in XXXX. Below are the fraudulent charges and status of each. 

XXXXPOS DEBIT XXXX XXXX XXXX XXXX AL XXXX ( chase credited account still under review by chase ) XXXXPOS DEBIT XXXX XXXX  XXXX XXXX TX XXXX ( Chase is stating this transaction was authorized and will be taking back the temporary credit, they provided a tracking number USPS- XXXX. Chase stated this was delivered to my billing address, upon checking the tracking number this is not my billing location nor a location that I know anyone. Chase refuses to intervene further ) XXXXPOS DEBIT XXXX XXXX  XXXX GA XXXX ( chase credited account still under review by chase ) XX/XX/XXXX POS DEBIT XXXX XXXX XXXX  XXXX XXXX CA XXXX ( chase credited account, but company reimbursed amount after investigation closed ) XX/XX/XXXX POS DEBIT XXXX XXXX  XXXX WA XXXX XXXX ( 4 charges ) ( chase credited account still under review by chase ) I wanted to provide all information as most are still under review, but the one that needs immediate action is 04/12/2020-POS DEBIT XXXX XXXX  XXXX XXXX TX XXXX ( Chase is stating this transaction was authorized and will be taking back the temporary credit, they provided a tracking number USPS- XXXX. Chase stated this was delivered to my billing address, upon checking the tracking number this is not my billing location nor a location that I know anyone. Chase refuses to intervene further ). 

I have taken steps to secure my identity included changing passwords, ordering a new debit card etc. It is clear that fraudulent can likely be traced back to perpetrator who used my information on their XXXX account, this should help bolster my claim but instead I was accused of 1st part fraud with no resolution. Furthermore my account has never been compromised, its certainly not new and I have never had an issue prior. Its a bad first impression using their fraud services.

Company response to consumer: Closed with monetary relief