BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
To whom this may concern, My name is XXXX XXXX XXXX I am a XXXX  in the U.S XXXX  currently XXXX  in XXXX. I was message by a Individual stating to be a manager at USAA saying that they work in a department that offers military members grants to help them in their day by day XXXX. I was offered and promised by XXXX XXXX the USAA manager a grant totaling up to XXXX  This was back in XXXX  of this year I have not received this grant to this day. I feel like I've been fallen into a scam by this Individual of this company. I would to know if I can get this grant or some sort of compensation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Atlanticus Services Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
In XXXX of XXXX I opened a credit card account with XXXX. The literature that was mailed to me stated that the initial credit limit of {$700.00} would be doubled after seven months if the account remained in good standing. That is, no late payments were made on my part. I called XXXX  in XXXX to ask when my limit would be doubled. The representative informed me that since all payments had been made on-time, the credit limit was set to be doubled in XXXX. After I made a on-time payment for XX/XX/XXXX, I noticed that the account limit was still {$700.00}. I called customer service and was informed that my account limit would not increased due to the fact that it had briefly been over the credit limit. I responded that this was not part of the original contract and reminded the representative of my earlier conversation with a XXXX agent. She then informed me that since my initial credit limit was under {$1000.00}, my limit would double after ten months, in XXXX of this year. She completely omitted the over-the-limit issue. Again I reminded her that I had spoken to an agent who indicated that the limit would be doubled in XXXX. The representative was very rude and constantly interrupted me. I informed her that I would report this matter to the CFPB, the FTC, and my state 's Attorney General 's Office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Solidus Group LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I keep getting contacted by an unknown " debt collector '' or scammer. As best I can tell from internet searches, the FTC has taken action against a parent company that may include these SCAMMERS. XXXX XXXX out of Maryland is the company I believe to be perpetrating this harassment/scam. 

The FTC had an agreement with them out of case # CASE XXXX FTC and People of the State of NY by XXXX T XXXX AG of NY XXXX They call any and every number I have, and or is associated with me or a relative or random stranger, and threaten to " find me '' " take legal action '' etc. The calls get more and more forceful and demanding and finally threaten THAT IF THEY FIND ME, ALL NEGOTIATIONS ARE OFF ( paraphrase ) and THIS IS THE LAST ATTEMPT ... until we call you next month ... and start the process over again, with the EXACT SAME " case number '' I have no debt that is collectable in CA. I had old debt that expired / was written off, since XXXX. 

They call from XXXX the caller ID says XXXX XXXX CA. 
Call back number THIS TIME is XXXX but in the past has been XXXX I have multiple recordings of their threats of LEGAL ACTION and PEOPLE COMING TO FIND ME.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-06
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax is reporting a name that i have never went by and the name is XXXX XXXX XXXX and the correct name that should be on file is XXXX XXXX XXXX and the incorrect should be taken off of my record and all the account that have the last name of XXXX should be taken off of my record please and thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: Westlake Services, LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The company wilshire consumer credit gave me a loan but then after late payment two different times they repossessed my car sold it at auction wouldnt let me have my belongings inside car before they sent it off to be sold then got the money for the sale and still charging me for the whole loan and interest Ive requested them to fix this many times but no luck even getting a explanation

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 2020-06-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo offered a COVID-19 payment relief program to borrowers. However, it was deceptive in marketing and execution. I was under the impression that I could suspend my payments 3 months penalty free ( but accept the continuation of interests to accrue ), however once I learned that this program was a forbearance and came with additional costs such as limitations on the ability to refinance and apply for PMI to be canceled it was too late. 

As a result, I feel as though I have been financially injured and my future for getting a refinance and PMI removed early limited due to poor and deceptive advertising on the risks and costs of taking advantage of this special program. The records will show that I quickly caught my account up for 2 months and in fact, pre-paid 2 months ahead in advance on this mortgage. I demand Wells Fargo to make me whole as I am now subjected to have to wait an additional 12 months to take advantage of refinancing my home and/or apply for the remove of PMI to further demonstrate I can make my payments timely. Due to Wells Fargo poor marketing I can't lower my interest rate and take advantage of this unprecedented low rate environment.

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 2018-02-21
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I discovered that there were two collection accounts reporting on my credit reports that did not belong to me. I was never notified about the accounts prior to the accounts reporting. I have filed a complaint against the collection agency and their response was that they would remove the accounts. The accounts were never removed from my credit reports and is still reporting to this day. The accounts do not belong to me and is the product of identity theft. It is very dishonest for the company to say that they were going to remove the accounts and not have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
P.N.C Bank has repeatedly treated me UNFAIRLY ( 12 USC 5531C ( 1 ) ( A ) ) and violated Real Estate Settlement Procedures Act ( RESPA ) ( 1024.41 ( b ) ( 1 ) by not providing me any modification options for my mortgage loan and now I am on the brink of losing my home. I have sent modification paperwork several times ( 3 total ) to the loss mitigation Department in the past ( 6 ) months and only to be told that they need more paperwork. The most recent time I sent the paperwork ( full loss mitigation application ), I got a response on XX/XX/2018, stating that I did not send the requested documents, but was rather told, that they have not received the requested documents.

PNC Bank has given me multiple Single Point of Contacts ( SPOCs ), and they all seem to be inadequately trained to handle or provide any loss mitigation options to me, but rather P.N.C Bank has threatened me with foreclosure proceeding ( s ) and stated they will report negatively to the Credit Bureaus. The SPOCs misplaced my paperwork and have not picked up my phone call ( s ) or returned them on time. P.N.C Bank misplaced my paperwork several times and stated they have not received it ( see attachments ). These tactics are abusive towards me and other consumer ( s ) and P.N.C needs to be held accountable for violating Consumer Protection Law ( s ) because I am losing my house because of PNC Unfair, Deceptive and Abusive tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX i noticed a collection on my credit that is not mine. I sent many disputes to all 3 credit bureaus disputing the fraudulent account with no success. So in XX/XX/XXXX I sent a certified letter to Convergent Outsourcing with a copy of an FTC Fraud affidavit. I got no response from them. Again in XX/XX/XXXX i sent another certified letter, again no response. This company is violating 15 USC 1681 FCRA. They are reporting an account that they are fully aware is Fraudulent. IF this is not removed my next step is to sue them in Federal court. Certified mailing numbers via USPS are # XXXX XXXX XXXX XXXX XXXX and # 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 2020-10-12
Company: Experian Information Solutions Inc.
State: WI
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 first initiated a dispute with Experian and XXXX  regarding XXXX  XXXX XXXX in XX/XX/XXXX. The total amount on this account is {$36000.00}. I disputed the XXXX  XXXX XXXX account with XXXX  and they have deleted the account after the first dispute letter. I have sent in a total of four dispute letters to XXXX  and Experian asking to verify the account. Experian and XXXX  claimed they have verified and validated the XXXX  XXXX XXXX account all four times. I sent in a fifth letter to Experian and XXXX  via certified mail in XX/XX/XXXX showing proof that I was not late on my XXXX XXXX XXXX account in XXXX and XXXX of XXXX. I also sent a letter to XXXX  XXXX XXXX in XXXX of XXXX with proof that I was not late on my account. In the evidence that I provided, I questioned how both credit reports show I was on time in XX/XX/XXXX but I was somehow 90 days late in XX/XX/XXXX and then 120 days late in XXXX of XXXX. If I'm mistaken, there is only a 30 day difference from XX/XX/XXXX to XX/XX/XXXX and only 60 day difference from XX/XX/XXXX to XX/XX/XXXX. I also submitted evidence to XXXX, Experian, and XXXX   XXXX XXXX that I was zero days late on all accounts. It is XX/XX/XXXX and I have yet to receive a response to the evidence that I submitted.

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 2021-07-14
Company: The Bureaus, 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:
The bureaus inc Company violated the fair debt collections practices act by implying that the debt had been sent to an attorney. After notifying them if the violation they removed the comment from my file where they stated it has been sent to an attorney, verifying guilt. Item should be removed. 

They are trying to collect more than the debt amount listed by the original creditor, not because of fees or interest, they just have the wrong amount listed. This violates the fcra. The item should be removed. 

They sent me an unsigned blank binder as verification of the debt. They are verifying the debt with a blank document. This is fraud. The item should be removed. 

I never opened this account, this item is the result of identity theft. As proven by the unsigned blank binder that they are using in an attempt to fraudulently verify the debt. The item must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
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:
I have sent a certified letter to experian explaining that I am unfamiliar with this account I suspect fraud and under the fair credit reporting act experian must verify within the confines of the law.

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 2018-02-21
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
on XX/XX/ a customer received an item he bought from me on XXXX, he used paypal to pay me Paypal immediately put a hold on the {$77.00}, CLAIMING i hadnt used my account in 6 months. 
On XX/XX/ I called Paypal to release the money, I explained the customer received the item and 3 days had past, Paypal refused to release the money an stated it would be another week before money could be released.On XX/XX/ I called paypal because another item sold and i received an instant payment, paypal didnt hold that money ( XXXX ), when i logged in to my paypal account on my phone it would not let me transfer the money, the option wasnt there to do so.I got online on my computer logged into paypal or tried, paypal website said i needed to prove who i was by entering a phone number when i entered my number paypal said it wasnt mine? And refused to let me sign in.On XX/XX/ i called paypal the agent transfered the XXXX and the XXXX to my bank account, the XXXX went through and the XXXX was reversed again, I called paypal on XX/XX/ paypal claims they dont know why but it will take 3 more days. Paypal is playing games with me there holding customers money to earn interest on the money customers trust them to handle ... this is fraud.Paypal has broken there fiduciary responsibility to me an immediate investigation into there banking habits are needed now. I need my money now, paypal needs to be fined and investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-12
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX XXXX has offered me no reasonable options to make payments. I have hundreds in other bills to pay each month, I work part-time and I can't even live on my own or support myself because XXXX XXXX is a black cloud over my life.

My grandmother and I spent over an hour on the phone with a " customer service '' employee, a female, who realized that we both had a deficit when it came to our monthly income and bills each month after a financial examination. That being a reality, I still was not offered a reasonable option to begin payments. I was told that I " have the money '' .. even though I was in a deficit.

It is absolutely crazy how this company would rather drive people to insanity and depression instead of doing all they can to make payments affordable. To really ask if a co-signer, almost XXXX years old, would be " seeking full time work '' in order to help me pay the ridiculous amount is crazy.

I'm not sure what can be done, but the truth about XXXX XXXX and the type of greedy business they run needs to be brought to light, and the lawsuits currently against there shed light on how unreasonable this company is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Experian Information Solutions Inc.
State: TN
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 sent a certified letter dispute several times for the last 3 months but the unauthorized inquiries still remain. From XX/XX/XXXX to XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
State: OH
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 submitted multiple disputes with Equifax. I am unable to access my results and it has been nearly 2 months. Equifax REFUSES to give me information on how they handle disputes. What is their process? I have collections on my credit report that are inaccurate and outdated. I've submitted documentation from one particular creditor advising they requested an account be removed back in 2018 AND IT IS STILL SHOWING ON MY REPORT. Yet is was removed from XXXX  and XXXX. You can never speak to a live rep. If you are lucky enough to get through they don't speak English. If you asked to be transferred to someone who does you are disconnected or told there is no one available. How is this company allowed to have access to consumers financial information?! I have yet to receive any free monitoring due to the breach. This company controls the financial aspects of consumers lives and they can't even manage to explain a dispute process?? They need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
One account being reported as two collections. XXXX/XXXX   XXXX  and 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 explanation
Consumer complaint received 2021-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I have opened a Capital One Business Credit Card inXX/XX/2021XXXX because I am running my business from this card, I carry a balance of XXXX on this card. 
Ever since opening this account my credit score dropped from XXXX to XXXX, because Capital one is reporting the business debt on this credit card as a consumer debt and as carrying a balance on a credit card. 
Capotyal one refuses to take off the reporting from my personal credit and just report to the business credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: EQUIFAX, INC.
State: MI
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 XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted Pentagon Federal credit Union three times in an effort To eliminate the PMI on my mortgage. 
I submitted an online request XX/XX/2020. 
I wrote a letter XX/XX/2020, And my final letter was dated XX/XX/2020. 
I am attempting to ask Pentagon Federal credit Union how the PMI on my home loan can be eliminated.

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 2019-01-12
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: Information belongs to someone else

Complaint:
EQUIFAX IS REPORTING AN ACCOUNT PROVIDED TO THEM BY XXXX & XXXX XXXX, THIS COMPANY HAS NEVER SENT OUT A COLLECTION NOTICE AS REQUIRED BY 15 U.S. Code 1692g - Validation of debts AND GIVING ME THE CHANCE TO DISPUTE THIS ACCOUNT, AND EQUIFAX HAS NOT MAINTAIN A COPY OF ANY SIGNED CONTRACT OR AGREEMENT THAT VALIDATES THIS ACCOUNT PRIOR TO BEING REPORTED TO MY CREDIT REPORT According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account

Company response to consumer: Closed with explanation