BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-20
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to PNC Bank. Requested a withdrawal amount of {$1000.00} dollars. The teller provided me {$700.00} only and didn't provide me a receipt. Now, I would like to see the footage from the cameras of the branch for accuracy since they say in their sistem it says {$1000.00}. They aren't willing to help as I need their help clarify this. Please help me, if it takes me to testify in court I will. I need to see the footage of the cameras from XX/XX/2019 in the morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
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: Information belongs to someone else

Complaint:
This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX Balance {$10000.00}.

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 2021-10-26
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Hi my name is XXXX XXXX I have been waiting to be verified with Gemini for almost 2 weeks now in their company policy it states that verification takes up to 2 to 5 business days and still I havent received anything I have submitted all the necessary documentation everything is up-to-date and still I havent received anything back from them it is required to have a New York State ID or license as well as your Social Security numbers in order for this process of verification to be approved and I have submitted all those documents. XXXX thats the email that Im using regarding Gemini thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: GA
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:
Hello Ive been having someone trying to open accounts under XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX documents below includes the following. Thanks

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 2018-11-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On or around the first of XX/XX/2018, I sent invia mail a dispute of fraudulent accounts to XXXX, Experian and XXXX, as I am a victim of identity theft. Despite having all the required documents included I received no response from any of the reporting agencies.Since this time my personal credit has continued to suffer from the accounts disputed and two others : XXXX  ( XXXX ), XXXX ( XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: Experian Information Solutions Inc.
State: FL
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 checked my credit report from Experian, XXXX and XXXX and saw and incorrect account being reported. Ive contacted the collection agency and they were unable to validate the debt. They threatened to sue if I didnt pay the debt but provided no information. I want the debt removed as it is inaccurate.

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 2018-11-29
Company: Embassy Loans
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted the EMBASSY LOANS INC to inform that the information that they are reporting to the credit bureau is incorrect and I was told that the information would be updated to show the correct information and it has yet to be corrected. I contacted Embassy on XX/XX/2018 and it is now 90 days since i have spoken to they. This has really affected my credit in a negative way and I am looking for a resolution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: EQUIFAX, INC.
State: TX
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:
Equifax and XXXX never allow me to get reports online. They ask questions online to verify my identity that have no relation to me. I have tried to get reports mailed to me to dispute but have been in vane.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX  Have police 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 2021-10-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
MONEY WAS WIRED TO XXXX XXXX ON XX/XX/21 AT CHASE BANK FOR XXXX XXXX TO PERFORM A REHAB ON MY PROPERTY XXXX XXXX XXXX XXXX LOCATED IN XXXX, MICHIGAN BASED ON HIS SCOP OF WORK.I MADE 2 DIFFERENT WIRE. FOR WIRE TRANSACTION WAS FOR THE AMOUNT OF {$20000.00}. XXXX WAS SUPOSE TO ORDER MATERIAL WITH THE MONEY THAT WAS SEMT TO HIM. DUE TO THE BACK AND FORTH HE WAS NEEDED. MORE MONEY SO HE CAN PAY FOR LABORS AND OTHER ITEMS HE LIED ABOUT.. SO AT THAT TIME MONEY WAS WIRED TO HIM FOR THE SECOND TIME FOR THE AMOUNT OF {$65000.00}. AFTER A MONTH ME AND MY BUSINESS PARTNER XXXX TOOK A TRIP TO XXXX TO LOOK AT THE WORK THAT WAS PERFORMED ON THE XXXX XXXX XXXX XXXX. WHEN WE ARIVED THERE WE NOTICE THAT NO SKILLED WORK THAT WAS STATED FROM XXXX XXXX THAT WILL BE DONE WAS NOT DONE.. THE ONLY ONLY THING THAT WAS DONE WAS WAS REMOVING THE SMALL AMOUNTS OF DEBRIS FROM BUILDING WHICH I COULD HAVE DONE THIS MYSELF WITH MY BUSINESS PARTNER. WE WERE HIGHLY UPSET WITH THIS PERFORMANCE. WE HAVE BEEN EXTREMELY LIED TO. ABOUT EVERYTHING. I REQUESTED FOR XXXX TO SHOW ME RECEIPTS FOR ALL THE MATERIALS HE CLAIMED HE PURCHASED FOR MY BUILDING AND HE COULD NOT PROVIDE THAT TO ME. ALSO XXXX SAID HE WAS LICENSE BUILDER AND WHEN I REQUEST FOR HIM TO PROVIDE ME HIS BUILDERS LICENSE HE SHOWED ME A FAKE BUILDERS LICENSE HE OR SOMEONE HE KNOWS MAY HAVE CREATED. NEXT THING HE DID ONCE I HAVE EXPOSED HIM ABOUT EVERYTHING HE HAS LIED ABOUT WAS STOP COMMUNICATING WITH ME AND MY BUSINESS PARTNER. HE STOP ANSWERING MY CALLS, TEXT MESSAGES AND EVERYTHING. XXXX XXXX WITH XXXX XXXX XXXX XXXXXXXX HAS DEFRAUDED ME AND MY BUSINESS PARTNER XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: DISCOVER BANK
State: PA
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:
XXXX has been non-compliant with removing the unverified account ( XXXX XXXX XXXX XXXX XXXX ) which has been deleted by XXXX and XXXX. XXXX   and XXXX  have both completed their research and determined that ( XXXX XXXX XXXX XXXX ) was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31
Company: JH Portfolio Debt Equities, LLC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
hello my wife purchased something for {$25.00} from XXXX on XXXX card 2 years ago. we moved to different place after couple of months. 
we updated our new address for all C.C accounts including XXXX. 
here, real story starts. after more then 2 years i tried to use my card in the store and it didnt work. so, i called XXXX and i came to know that they have closed my account for not paying {$25.00} and with interest it is now $ XXXX.so, i asked XXXX why did not they send any statement and they said they sent it at my old address. so i asked him how come they did not update my new address when i have already ordered few stuff from XXXX at my new address. and he said it was computer glitch therefor, it did not get updated at our end. he said that now we have your new address but unfortunately your account has been forwarded to collection agency.and he also said that send them fax and let them know about this address issue and they will consider and wont charge any interest. i said OK ill pay my unpaid bill and send them fax twice. i did sent them fax to resolve problem but finally they sent it to collection agency. 
i wonder why they did not send my statement to collection agency for more then 2 years. when i tried to resolve problem at that time they realize to send unpaid charges to the agency. i would like to pay my unpaid bill {$25.00}. probably they wont consider that. i want them to hear my telephone recording with XXXX customer care.how come they did not find out my new address when i ordered online from XXXX. why did not they tried to call me about this bill. 

please let me know how to resolve this problem. 
thank you XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I receive 5-6 calls from Synchrony Bank each day from a variety of numbers. In XXXX of 2021, I asked them one last time to please send me a written statement of debt to validate the charges, I was told that they can not provide that upon request and they are sent out periodically, but not to charged off accounts. I explained that until I receive a written statement of debt to assess the validity, I do not want to be contacted via telephone. They instead began ramping up phone calls, reaching out to my previous employer, as well as my current employer ( this information was never provided to them ) as well as friends and family. They are harassing people who have nothing to do with this debt. I am not even sure I have anything to do with this debt because I have not received any statements of the debt they are attempting to collect.

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 2021-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
During the last 10 years of making mortgage payments to Bank of America, I had always been given the opportunity to make an additional payment on their website. In doing so, it asked if I wanted to apply this additional amount to escrow, interest or principal. I had a habit of rounding up to the nearest {$10.00} or {$20.00} and always requested that this amount be applied to my principal balance. Since the loan is top loaded with interested payments I felt the additional principal payments would help knock down the amount of time to repay the mortgage. Every time I did this, the following month Bank of America would adjust my new payment due amount downward in the amount of overpayment I had made from the previous month. In effect, I was not actually making additional payments at all because of these practices. This year I have noticed Bank of America no longer allows you to make additional payments on their websites and you can not make any payment to the mortgage on mobile. 
I believe Bank of America is engaging in fraudulent activity by crediting my overpayments not to my principal balance but to future payments owed. Now they are not allowing an overpayment to my mortgage at all. These are not very consumer friendly practices.

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 2017-11-28
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX charged my card with out any authorization from any part. He did not obtain a signature from anyone authorizing the transaction or any written consent to do so. A dispute was filed for services not provided and fraud in XXXX and now again in XXXX for fraud again. The banks the processed the transactions TD Bank, XXXX XXXX, and XXXX XXXX XXXX. Did not due there due diligence in investigating the claim. The never made a followup to allow me to address his false position and defend myself against XXXX XXXX defaming letter ( s ). They never even made any attempt to verify if the charges were indeed authorized which they were not. There is not any correspondence or signature to authorize the claim. In one letter to TD Bank the letter state the charge was " Called In '' and the receipt shows it was swiped. 

XXXX XXXX XXXX has {$13000.00} in unauthorized fraudulent charges and services not provided to my account which TD Bank failed to protect me for. XXXX Can not provide proof of authorization for these transactions in any facet. 

These banks failed to protect me as a consumer and this attorney has indeed committed fraud. 

I pray for you assistance in this matter. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and discovered I had an ambulance collection for {$620.00} that does not belong to me. I sent the company listed a debt validation letter which they received XX/XX/XXXX of 2021 through XXXX. In the debt validation letter I outlined and asked for proof that this debt belonged to me. In return later in XXXX, 2021 I received a letter from the company simply just stating that the debt belonged to me but without providing any proof that it belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: GreenSky, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Summer XX/XX/2017 the company that installed AC in my house organized a 12 month interest free loan with GreenSky. 

I sent a check to pay off the full amount on XX/XX/XXXX. When after two or more weeks ( XX/XX/XXXX ) that didn't appear in my bank account, GreenSky said they'd no record of the check. I payed the full amount using my debit card over the phone -- {$4.00}, XXXX. 

The customer service person confirmed at the time that should the check then arrive it would not be cashed because the loan was now closed. 

However, on XX/XX/XXXX, the check for {$4.00}, XXXX was indeed cashed, putting my checking account well over {$2000.00} in debt -- I was away from home at a conference at the time. 

I called GreenSky late Friday XX/XX/XXXX when I became aware of this problem -- my debit card was refused -- and the customer service person acknowledged the mistake, said a reimbursement check would be sent to my home in 10-15 working days. When I asked if it could be expedited and managed electronically, the person said not, but that a manager would contact me in 36-48 hours. 

No phone call was received. I made do with my credit card. 

I waited through XXXX, then called again when I finally go back home to XXXX, NY. The manager at GreenSky, XXXX, said she had emailed -- she had, but the email did not arrive in my inbox but to the junk/spam section. 

She then said that it was not policy to expedite reimbursements unless there'd been a mistake. She then said she'd check the original phone call made on XX/XX/XXXX to confirm the issue. I pointed out that I'd payed off the loan on XX/XX/XXXX and that by cashing the check on XX/XX/XXXX they'd now got over {$4000.00} extra from me -- my loan is now {$4200.00} in credit -- and that that was pretty clear evidence of some mistake ; that given it was credit, that it was not their money to withhold from me ; and and that I was in dire financial straits as a result. 

XXXX, the manager, said she'd get back to me within 48 hours. I've heard nothing since Monday. 

I sent an email to explain that I would be contacting you. 

XXXX 's details : XXXX Customer Solutions Advocate Office : XXXX Ext XXXX ref : XXXX : ref

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: WA
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:
I never opened this account and this is not mine. I have reached out to the creditor and the bureaus to remove this account from my report. XXXX XXXX XXXX is no longer reporting this however Equifax is still reporting this and it is severely affecting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: ROBINHOOD MARKETS INC.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
opened Robinhood account deposited funds into the broker account XX/XX/21 - XX/XX/21, funds cleared my account on XX/XX/21 after trying to use debt card i received from Robinhood they restricted use of card. Ask to provide identification again after already being submitted. Once submitted was told that i had to resend front copy of social security card because it looked like a photo of a photo when in fact i took real live photo. After resubmission i still have yet to receive response from company and my debt card and funds are still placed under restriction as of XX/XX/21 ive reached out by phone and email several times and they have not helped me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Lyons, Doughty & Veldhuis, PC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
whom it may concern : A notice of execution was placed on me. Im getting harassing letters and phone calls about what I allegedly owe through the company XXXX XXXX, XXXX. I have spoken to this company and multiple times and have asked for proper debt validation, which is allowed by Revised Code 1319.12, 1321.01,1321.51,1321.71 and 4767.031 laws and have been denied.

Today I was given information to contacted the law firm Lyons, Doughty, Veldhuis, P.C. ( XXXX XXXX XXXX ) and XXXX XXXX XXXX ) formally XXXX XXXX XXXX. I spoke to several associates XXXX, XXXX and their New Jersey Associate XXXX XXXX in an attempted to ask for proper debt validation. I was transferred several times and placed on hold. I shared with XXXX that the account had been closed and two cases have been filed under this collection agency. XXXX informed me that I could not receive any documentation and I should contact XXXX XXXX. I did as instructed only to have my call be redirected back to the law firm using the same number provided. Once asked why the call was redirected, XXXX explained to me that all XXXX XXXX calls are forwarded to Lyons, Doughty, and Veldhuis to prevent debtors to call seeking information. This comment caused concern and it was under my impression that the law firm and XXXX XXXX may be the same entity. However, I repeatedly asked for documentation to include 1 ) who transferred title of ownership on debt ; 2 ) who was the trustee ; 3 ) who has the certificate of notice/default. I also asked for a legible copy of judgment. The conversation was unpleasant and I was told that the law firm does not have a copy of the transferred Title of Ownership. 
The associate XXXX XXXX consistently attempted to discuss the debt and whether I would make restitution. He then responded back that they will send me what ever they have and stated that the time has lapsed to receive this validation when I stated to him I had the right to this info he kept repeating the statement they going to send what ever they had and I had no right to this validation request because time has lapsed. I stated I had the right to this info and he disconnected the call

Company response to consumer: Closed with explanation