BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-13
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:
XXXX, XXXX  and Experian have been reporting this inaccurate and incomplete account on my credit report since XX/XX/XXXX in violation of the Fair Credit Reporting Act ( FCRA ) even though i have been disputing the errors with each one of  them. from XX/XX/XXXX to XX/XX/XXXX i have a well documented seven months of communication via certified mail with XXXX XXXX and Experian asking them to delete the inaccurate and incomplete account which they fail to do. I was told to provide more proof or they needed more document from me to make sure i was the one or i should contact the original creditor. My time was wasted to no avail. i filed a complaint against XXXX XXXX XXXX XXXX with CFPB about this account XXXX responded and told me that they are not affiliated with the credit reporting agencies and does not determine the information that each credit bureau select to report. and that i had to contact Experian directly to dispute the fraudulent credit reporting. Notice some of the errors and inaccuracies as i also attach copies to this complaint for verification : the high balance on XXXX is {$15000.00} whereas on Experian it is {$0.00}. The Balance as the creditors stated in the letter i attach to this complaint is {$9000.00} but Experian reports {$9000.00} XXXX also reports {$9000.00} and XXXX reports {$9000.00}. The date of item removal on XXXX is XX/XX/XXXX whereas on Experian it is XX/XX/XXXX. The most outrageous and disgusting thing is that Experian has reported two payments of {$410.00} each without the consent of the creditor in XX/XX/XXXX and also in XX/XX/XXXX even though this account is closed and still the account balance did not change in the process. This only goes to prove that the credit reporting agencies can care less for the Fair Credit Reporting Act ( FCRA ) and hurt consumers as they wish.

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 2018-11-19
Company: PNC Bank N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I saw a credit, from a merchant XXXX dated, XX/XX/XXXX for {$16.00} on my visa card activity history ( Visa card issued by PNC Bank ). I called the PNC VISA customer service, the rep said that VISA USA under the agreement with various merchants provide the credit card info to third party merchants for a fee. Go talk to them, reached the VISA USA at XXXX. XXXX the rep at VISA said, if the merchant says, that I have a recurring auto debit agreement or SOMETHING LIKE THAT ( nothing specific ), The VISA USA in conjunction of banking institution, in this case PNC bank will give MY PERSONAL FINANCIAL INFORMATION TO THE MERCHANT for a fee.

So Visa says, burden of proof is upon merchant to provide unimpeachable documentation that I have given them consent to get my financial information from VISA and THE BANK. Apparently, I can close my account with merchant, terminate all agreements but VISA USA/PNC will give Visa/Financial ; information of mine to merchant just becausethey asked for it. Visa USA conferenced in the PNC bank representative. The Bank said, THEY WILL GIVE MY FINANCIAL INFORMATION, away, to Business partners and affiliates. Based upon this ambiguous hearsay, all of sudden, PNC bnak is an Affiliate to XXXX water delivery, and without my knowledge, or consent give my informatrion to the merchants that pay a fee for the list of their customers account info. Please audit the PNC bank records to see, how many Accounts and related information is being sold to these merchants with flimsiest allegation that customer consented. {$10000.00} fine for each instance when the info was sold on closed merchant accounts, should teach PNC a very good lesson. DISCLOSE to customers, who you are selling the info to and when. I appreciate your kind help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Never take the credit card offered by TD BANK. the problem is their customer service. They do not listen, well they listen and pretend they will follow your directives. I paid OFF my credit card, overpaid it by {$98.00} or so ) from my Che kings count ). I asked them to put it back into my Che king account. No, they send a Check. Now, another month or so goes by, I have a XXXX BALANCE ON CREDIT CARd. THEy TAKE {$200.00} from my ChecKing account to the credit card ( duh ) and give me a CREDIT BALANCE of {$200.00}. I have sent XXXX messages, XXXX Friday morning, XXXX today, Saturday ... l No reply from TD, but my $ is gone to the card, not in my Che King account. I TOLD THEM TO CLOSE THAT XXXX CREDIT CARD ACCOUNT when I paid it off. now I will be looking for a new bank. I 've been with TD now for about XXXX years or more. they will not accept any responsibility for their credit card, they just TALK YOU INTO GETTING IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-27
Company: Coinbase, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Date : XX/XX/2018 ~ Now Amount : about 6k + my ETH & LTC I have tried to withdraw my money from the company, but the company has not allowed me to do that and they are holding my money for a long time. They required me to verify my SSN in their system in order to withdraw my money, but the SSN verification system has not been working. I verified my driver 's license, I have a valid SSN, and I tried all the ways that they recommended me, but the system is still not working so I can not withdraw my money. I'd like to withdraw my money from the company. It does not make sense that I can not have my money back. 

I attached some evidences ( I removed my information ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Atlas Credit Company, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: ALLIANT CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Alliant Credit Union changed their program, eliminating the annual fee on their Visa cash rewards credit card. This was a great change! 

The problem is that they levied an annual fee, promising benefits for the next 12 months, and immediately changed the requirements. I have complied with the new requirements, but they have rebuffed my request for a pro-rated refund of the annual fee several times. 

My complaint is that they are not providing any benefits in return for the annual fee, thus it should be refunded. Pro-rating the refund makes logical sense, and it is much easier than staggering the start date of the new program according to consumers ' billing anniversary date. 

But at the end of the day, I paid for 12 months of benefits and only received 2 months worth. The annual fee of {$99.00} was paid on XX/XX/2021, and the letter announcing the new program was dated XX/XX/2021 and effective XX/XX/2021. Alliant Credit Union is not entitled to keep the entire annual fee if they are not honoring the terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-21
Company: Colony Brands, Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THEIRXXXX ETC.. ARE 14 FRAUDULENT HARD PULLS FROM XXXXXXXX XXXX ON XXXX ONLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is showing as a charge off when it has been included in the chapter XXXX bankruptcy repayment plan. XXXX XXXX XXXX XXXX was removed when all I disputed was the 30 days late because it was never late dropping my score. XXXX XXXX XXXX   should have fallen off I was not late and anything to do with student loans is being reported incorrectly because they were consolidated and deffered. XXXX XXXX XXXX was paid but is still showing as a collection. Per federal bankruptcy regulations no account can show past payment history only that its included in the repayment plan and that its being paid. On all three credit bureaus most of the accounts on my report are incorrect they are either showing as late when they are not they are showing as a charge off when they are not they are showing as a collection when they have been paid. I have attempted to dispute this information with the reporting agency and the incorrectly remove accounts or say that it is correct information or they do nothing at all. I have them tried to contact the credit bureaus and get nowhere. The credit bureaus have messed up my credit so bad that I went from a score of 600s to mid 500s. While yes I have bankruptcies on my credit the chapter XXXX is a repayment plan in which all accounts are included and being paid but are being reported incorrectly as well as information on my credit remains from 2007 which should have been removed. I am trying to get my credit report fixed so that I may buy a house and every single time I try to get the information reported correctly the credit bureaus XXXX it up even worse and anybody you speak to is either rude or they don't speak hardly any English due to outsourcing. I really need some 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
Consumer complaint received 2018-06-17
Company: ACS Education Services
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Having trouble with conduent who is the loan servicing agency for XXXX. We took educational loan from XXXX for our daughters college education and then repaid it on XX/XX/XXXX by  refinancing it with XXXXXXXX XXXX for better rate. We called them after to make sure the loan has been paid off in full and they told us that we overpaid around {$5200.00}. They assured us that it will take 60 days to refund the amount. We waited for 60 days and more and called them again on XX/XX/XXXX and they told us that account was frozen so now they will send the request to refund. Called them again on XX/XX/XXXX, we were told that still waiting for the approval from XXXX since the amount is over {$5000.00}. Called again on XX/XX/XXXX and was told that the 2 Cheques for {$3900.00} and {$1300.00} totaling to {$5200.00} were sent on XX/XX/XXXX as a refund and I should be receivng them shortly. Waited whole week and called again on XX/XX/XXXX. To my surprise, I was told the same story again that they are waiting for approval from XXXX for refund and no Cheques were sent. Asked them to transfer my call to a supervisor and was told that they are all busy on other calls and took my number so they can call me back and they never called back. I hope XXXX understands that they owe me interest on my money they are holding for no reason as it is not a small amount and that amount is supposed to be used for my daughters educational loan repayment. Since they charge us interest on the money they lend us then they should be paying interest on the money they are holding back. Please help us in getting our money back from them with interest and compensation for time and energy spent in calling them and talking to the customer service professionals who will give us different answers each time. They are incapable of giving any right answers. We are very disappointed with this company and probably will never work with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage Company was sent a payment on XX/XX/2016 from XXXX, XXXX XXXX, however continuously called and harass for a payment that was already received. When I spoke with the representative on XX/XX/2016, I was told they did n't receive the payment for XX/XX/XXXX from XXXX, XXXX XXXX XXXX and that was XXXX 's payment they received for XX/XX/XXXX of {$1300.00}. Carrington XXXX has placed negative remarks on my and my wife 's credit report for XX/XX/2016, and XX/XX/2016 for XXXX problems that were not our fault as too why the payment was late. XX/XX/XXXX 's payment was late due the banking error that they admitted to in a letter that was sent us. I faxed the letter to Carrington and was told no negative remark or late payments will be reported to the credit bureau after speaking with the Manager. XX/XX/2016 payment was late due thier website, we attempted to make a payment several timesmall online but their website would not accept one. We called to get assistance from customer service but was unsuccessful due to the lack of support, inaccurate information being given, and u professionalism not given. When we finally decided to just pay from the checking account their system had a clitch in it and we were held at fault for thier mistakes. Carrington 's website does not function properly and encourages customers to use XXXX however when you attempt to use XXXX, issues such as now occur. The customer service is very unprofessional and rude. When you ask to speak with a manager they place you hold for long durations or disconnect the converstaion. Carrington Mortgage needs to be investigated for fraud and damaging people credit for no reason to lock them in to the loan to prevent them from refinancing with someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
On XX/XX/2018 I requested my free TransUnion credit report via online and by mail which I have not received. On XX/XX/2018 I made a second request for my free credit report via mail from TransUnion which I have not received. On both occasions I provided the required proof of identity and residence.

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 2018-08-06
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capio Partners is proposing that I owe a debt in the amount of {$530.00} to them from XXXX XXXX XXXX. I have tried to dispute this debt on multiple occasions and they're not sending the original contract with my signature on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-27
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have wrote a letter to the Cooling & Winter Law firm concerning a debt from 2008. I was paying XXXX XXXX XXXX XXXX. Paying XXXX for past few year prior to that is was another company. I do n't believe I still owe after all these years. I wrote a letter asking for a clear a statement showing all the money that has been applied. They have not responded 30 days ago. I pulled my credit fnot long ago it show that the was close in 2008 an still shows I owe XXXX. Which tells me this debt is not clearing up the balance on my report. Please help get this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was bought out from XXXX by carrington. My family had a few bad financial months, and fell behind on our mortgage. I kept in touch with them and tried to make numerous XXXX payments in which they did not put towards my account, it went into a " holding '' account ( which I did not know ) when I called to make another payment they would not accept unless it was the full balance owed. I started saving money and calling weekly to make sure it would not be foreclosed on so I could pay the full balance. I finally had the total amount due and called to make a payment for my delinquent months. ( I had just spoken to a rep XXXX days prior ). They informed me that my home had already been sent to a foreclosure attorney a week prior. I explained that this could be true because I had just spoken to a rep XXXX days ago and I could make the payment. Long story short after the supervisor listening to her employee tell me all of the wrong information and that I had a few more days to pay and even saying wait till the XXXX month and pay that also -- that I would not be in threat of foreclosure she assured me that her employee did need more training and made a mistake but it would not change the fact that my home was in foreclosure. So now they will not take my payments and I have to pay reinstatement fees even though admitting her employee was wrong and gave false information. Now I am in fear of losing my home all because I relied on the workers to give me accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Issue : I can not get security freeze lifted on my credit report from Equifax. I placed the freeze on my report as a result of the massive security breach Equifax had that compromised the personal information of millions of people. 

On XX/XX/XXXX started a refinance application with my mortgage lender. I had no problem lifting the security freezes from XXXX or XXXX XXXX. As of this writing onXX/XX/XXXX the freeze has yet to be lifted by Equifax. 

At first I was given their facsimile number so I could send copies of my SS card and driver 's license that would allow them to verify my identity. After several attempts by me on XX/XX/XXXX without any success because their fax line was constantly busy, I eventually express mailed the documents via USPS. I called them on the evening of Saturday XX/XX/XXXX, was told the security freeze would be lifted that evening, and I was given a confirmation number by the Equifax representative. On Monday XX/XX/XXXX I received an email from Equifax with the case number I'd been assigned stating that my case had been closed. 

On Monday XX/XX/XXXX I advised my lender about the information I was given by Equifax on the XXXX and they attempted to get the credit report without any success. The supervisor at my lender made several phone callls as did I, and when I called again on XX/XX/XXXX I was told by an Equifax supervisor that they were not in receipt of the documents I sent, nor were they aware of any email from Equifax that my case had been closed out, and I would have to wait up to five business days to have the freeze lifted. 

All I can say is I've never dealt with a more obtuse and ineffective group of people. All you get is the run around, empty apologies and zero results. It seems they're trying to act professionally by giving one the impression that they're guarding your information when quite frankly it's too late given the security breach. 

The bottom line is there is ZERO accountability within this organization nor do they have any sense of urgency about doing their job correctly and it's having a very negative effect on consumers like myself who are attempting to get the information they need to complete their applications for refiancing or any other credit application. 

I'm not sure what type of government oversight they are receiving but they are in dire need of it because in my opinion they are doing a double disservice to the public by 1 - the initial security breach and 2 - their inability/unwillingness to lift security freezes for consumers seeking them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America deducted an extra montage payment ( {$3000.00} ) from our checking account on XX/XX/2020 even though we only authorized one payment on XX/XX/2020 which was deducted as well. 

We made 4 attempts via the bank 's secure messages and requested the bank to return {$3000.00} to our checking account without any results. 

On XX/XX/2020, I called XXXX and finally received a service request confirmation # XXXX and was assured that the refund will be posted within 24 hours. 

As of today, XX/XX/2020, I still have not received the refund. 

Thank you for your assistance in advance. 

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 2018-11-19
Company: HW Holding, Inc
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They call and call and call and never say anything then hang up. They been doing this for over a year. About a year and 1/2 ago we managed to talk to some rude person that said we ow money. They would not tell us for what. We told them they had the wrong people and had no idea what they were talking about. We asked them to send us the information on what makes them think it is us and they refused. 
I would like to know where their office is and who is in charge and why they keep calling. I would love to meet them in person.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation