BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
1. OnXX/XX/2019, I filed Complaint XXXX re Bank of America branch supervisor XXXX. 

2. On XX/XX/2019, I filed Complaint XXXX re Bank of America giving me misinformation and poor advice regarding deposit options and related holds for a check I was attempting to deposit. 

3. On Friday, XX/XX/2019, I missed a call from Bank of America " Enterprise Resolution, '' XXXX XXXX, Resolution Specialist, Regulatory Complaints, Bank of America, XXXX, extension XXXX. 

4. On Friday, XX/XX/XXXX, XXXX sent me an email I have a deadline of XX/XX/XXXX to respond. 

5. I called and left a voice message on XX/XX/XXXX at XXXX XXXX, but have received no response. 

6. I called and left a second voice message on XX/XX/XXXX at XXXX XXXX, but have received no response. 

7. I called and left a third voice message on XX/XX/XXXX, today, at XXXX XXXX, and have received no response. 

8. I attempted to press zero when calling the number, but the system will only allow you to dial an extension. The extension always goes directly to voicemail. 

9. Bank of America seems to be creating excuses to close cases and deflect substantive issues contained in CFPB Complaints that deserve resolution. They are doing so by setting deadlines for response, making themselves unavailable for communication, providing no alternative options for communication, and being unresponsive to messages from consumers.

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 2021-09-07
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was on the covid19 mortgage forbearance and it expired on XX/XX/21, I did not call for an extension, but when I went online to start making my regular monthly payment the bank 's website would not accept any payments. So I assumed that my forbearance was extended but then I began to get past due notices. When I contacted the bank on XX/XX/21 to explained and to resume/start making my regular monthly for XXXX payment together with XXXX payments, the bank advised me not to make any payments because my account was now in default and the full amount of $ XXXX was due. The bank said they would review my account to determine if my forbearance can be extended ( back from XX/XX/21 to XX/XX/21 ) or if a partial claim can be approved. I have followed up with the bank numerous times ( every 2 weeks ) and also spoken to the reps trying to collect on the loan. They all keep telling me the loan is still under review, but delinquent the full amount. I have also emailed for an update and informed them that I am ready to end the forbearance and can make the payments, but I am not getting the issue resolved about deferring the forbearance amount. please help ; (

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
on XXXX  and experain have the different last activity they are a month apart and on one it says collection/charge off profit loss write off and the other says unpaid balance reported as loss by the credit grantor

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 2021-04-13
Company: CNG FINANCIAL CORPORATION
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I NEVER GOT the money. i cancelled it in XXXX XXXX  and in XXXX. that XXXX XXXX office knows i did not get the money. THEY ought to be ashamed with their answer. outright stealing ( there is crooked person involved ). so i spent the time to contact the bank. here is the transactions at the bank. it was double deposited because of error with the teller at the driverthrough. 
I HAD THIS IN A NICE CHART FORM shows two dep, two returns on XXXX XXXX cust deposit ( i had told the lady that photo didnt show up yet so I gave her the check ) on XXXX XXXX my photo deposit on XXXX - XXXX " returned '' on XXXX - XXXX dep return item AS YOU can SEE I did NOT get the Cash - both returned!! 

the XXXX XXXX office knows I cancelled the transaction. i told XXXX XXXX XXXX too. I told them and wrote to them that I dont want an account. I never had access to the money. XXXX said they SENT me a check to my mailbox, which is like trhowing it in the air. because my it is on the road 1/4 mile from my house and is not monitored, and a hill between, although putting a camera in ) I never received the money!! 

they ruined my credit just when i was getting a new mortgage refinance so they cost me a bundle they should pay {$1000.00} for their KNOWING fraud, THEY never should have sent me a check XXXX XXXX. if that is what they did. I told them they need to see if whatever check they sent XXXX XXXX was Cashed! they didnt even look. THEYMUST REVERSE their MASSIVE interest as I never got the money!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: CITIBANK, N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hi this incident was happen when I was trying to wiring money from my checking account from XXXX XXXX XXXX to the closing attorney office amount of {$8000.00} for closing on a property on XX/XX/XXXX. After, I was done wiring the money and I call attorney office who prepared the document for closing on my property in a bout five minutes later and they said they did not see money pending on their account and I was waiting another 5 minutes and call the closing attorney office again and they still did not see the fund came through at that time a lady from the attorney who was prepared for closing on this property for me told me to go right back in the XXXX XXXX XXXX to cancel the wiring process and they were able to stop that wiring transition at that time we found out that the money went to the account of some one name XXXX XXXX XXXX who have account in Citibank bank XXXX at address : XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX NV XXXX XXXX and this was not the account we expected our money going into and I called to report the fraud on that wiring to the XXXX XXXX XXXX XXXX XXXX and they were able to stopped transection and had the the case # XXXXXX/XX/XXXXon this incident, and I ask a lady who perform the wiring for that when can I get my money back in my account and she told me it should take 24-48 hours and more then 48 hours went back to the XXXX XXXX XXXX XXXX let them know I still did not have the refund from that wiring and XXXX XXXX XXXX told me that Citibank needed Hold harmless letter from me and I did as they instructed me to do to the hold harmless letter to : Citibank ( incident report department ) XXXX XXXX XXXX XXXX XXXX TX XXXX and also fax that letter to XXXX XXXX ( ref : XXXX ) as they instructed, more than tree weeks later and I have been going back and forth between XXXX XXXX XXXX and CitiBank and I have been calling XXXX XXXX ( XX/XX/XXXX) and XXXX XXXX ( CitiBank ) and I got no help and they told me now money is holding at Citibank and they can not even talk me direct on this mater and this is my money and they can not talk to me about this when I try to check on status of my money I am very frustrated at this point and needed help desperately. 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 explanation
Consumer complaint received 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX REPORTS INACURRATE STATUS abd has repeatedly attempted to collect the wrong amount of accounts prior with XXXX  XXXX in violationof FCRA, UDAAP, and FDCPA. I have no contract with XXXX. These were secured accounts and deposit adjustments are not being reported. Furthermore, these accounts are not active revolving credit accounts. THE DATES OPENED ARE INCORRECT. XXXX  and Transunion refuse to open consumer investigations into these actions. 

XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/18

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 2021-12-08
Company: General Motors Financial Company, Inc.
State: CA
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 am XXXX XXXX XXXX  I am submitting this complaint myself. I have been patiently waiting on AMERICRDT 's 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 XXXX  continued reporting as unverified information which now, given all my attempts XXXX  address it directly with the creditor, as willful negligence XXXX  non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : ( AMERICRDT Inquiry Date XX/XX/2020 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: PNC Bank N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
PNC reported me past due 30 days in XX/XX/XXXX. Call was placed and matter was corrected. Past due status was corrected shortly thereafter and late pay was removed. Two months later, PNC once again reported me past due to all 3 credit bureaus. Balance has since been paid out entirely. Reporting should be corrected as it has lowered my credit score significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have not had access to my account for over one month. On XX/XX/18 coinbase disabled my ability to place buy orders on their system, and consequently blocked me from being able to log into my XXXX account. I have several thousand dollars that are inaccessible to me, with no explanation from coinbase as to when I will receive access to them. I have spent multiple hours on the phone and sent numerous email correspondence to the company, only to be given very limited information that they are behind, and my case has been escalated. Customer support is rude, dismissive, and often hangs up on customers. This company has no regard for any sense of professionalism and has held my money against my will for an unacceptable amount of time. In response to a previous complaint made on CFPB, coinbase also blatantly lied by saying that I can access my funds at any time. Once again to be clear, I have thousands of dollars I am unable to log in to see if they are even still in my account on XXXX, let alone withdraw them. At this point I do not know if my funds have been stolen by employees and some sort of fraud is taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, XXXX  XXXX  inform you that there is no third party involved in the process. I sent letters XXXX  Equifax Credit Bureau the date of the last letter was on XX/XX/2021. XXXX  now we are in the month of XX/XX/2021 XXXX  still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law XXXX  continued XXXX  report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Braviant Holdings, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Balance Credit contacted me at the beginning of XXXX XXXX  say that i was in default of a loan. I did not take out a loan with them. When I contacted them, they claim that they gave ( transferred into an account ) someone with my name, social security number XXXX  same bank XXXX XXXX  XXXX XXXX ) & my phone number-took out a loan XXXX  they deposited {$1300.00} into the account on XX/XX/2021. 
They did not have my correct bank account number, nor my correct email address. 
After several harassing phone calls from them they told me XXXX  file a police report-which i did. I will also contact the 3 credit bureaus XXXX  notify them of identity theft XXXX  fraud. 
I am getting ready XXXX  retire. I have worked diligently XXXX  pay off all of my debt other than my mortgage XXXX  a truck payment. I do not need XXXX  borrower any money XXXX  I do not want my credit affected by this unscrupulous lender. I have been greatly inconvenienced by their incompetence of not recognizing fraud XXXX  identity theft. 
I want them XXXX  rectify the situation immediately. They can follow up with the bank of the person they deposited the money XXXX  ( By contact XXXX XXXX  finding out who they sent the money too ). I am considering a lawsuit if not taken care of immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: ERC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XX/XX/2018 I received several alerts that my XXXX score decreased, I checked both monitoring companies and both showed a collection company named ERC. ERC reportedly has a {$63.00} collection unknown to me, it also showed the original creditor was called XXXX XXXX XXXX which I've never done ANY business with. I called ERC to resolve this issue and I gave the lady my ss # and she said it my name XXXX?, I said no my name is XXXX that's my government name and I don't go by XXXX. The lady responded and said since I was XXXX she couldn't speak to me about the account and gave my their customer care email to contact with any documents stating otherwise. I don't have no clue who chapter XXXX XXXX XXXX is and want this resolved and removed from my credit file immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My XXXX credit card was charged {$2100.00} on an unauthorized charge. 
I 've called twice last week to discuss the issue. I was told twice to expect a call within 48 hours from the Fraud department. I have not received any return calls. 

I 've also attempted to call every day for the last 4 days, but the call remains on music hold for over 30 minutes and I have hung up multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: PNC Bank N.A.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
THIS INQUIRY IS UNKNOWN, PNC BANK XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # XXXX PNC BANK XXXX XXXX, 2017 Unknown inquiry, please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Albert Corporation
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a card in my name for a service named XXXX. The letter told me that my card is ready for use. I looked the company up online and was directed to a support email. The company told me if I believed this was fraudulent they would close the account and to report to law enforcement. 

I have never used this service, nor do I know what it is!!! I am disgusted that a company would allow this to happen without verification of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company uses auto dialer that calls every five minutes for days on end. No one on the line. Forces you to call the number to get a person. They were calling my business number, and costing business and time expense with no one on the other end when picked up. This went on for 5 days. When I called the number and finally got a person, they were looking for someone we have never heard of. When I stated they need to inform management about this horrible practice of calling with no one on the line I got no reply. When I stated I would report to FTC I was told " Good Luck '' by the collector. This practice needs to stop. 

Receivables Performance Management XXXX XXXX XXXX XXXX. 
XXXX, WA 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 2018-01-18
Company: SYNCHRONY FINANCIAL
State: MT
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:
To Whom it May Concern, I applied for a Mortgage Loan, knowing that I am 100 % qualified and thought I have XXXX credit score. When the loan officer pulled up my credit and said that my credit score is XXXX, I was shocked. I paid all my bills on time, never was late with any payments in my life, pay credit cards in full every month and paid my currant mortgage down 80 % within 2 years. HOW THAT is even possible? JCPenney reported Charged OFF account of {$2500.00} that I have no clue about. I have an active account with JCPenney with {$0.00} balance and {$1000.00} credit limit. I called the customer service probably 10 times already and it does n't get me anywhere where I need to be. First of all customer service representatives could n't see any charge off accounts and their managers refused to take the calls and did n't want to be responsible for any actions, they refused to connect me to anybody. Finally after 2 days of trying, they said they will send me the dispute letter within 7 business days, some representative transferred me to the Fraud department to file Fraud ( XX/XX/XXXX ). They provided me with a fraud case # XXXX. I called today XX/XX/XXXX-a week later, nothing has been updated, no info, no progress, no dispute letter that they suppose to mail. Nobody should ever be in this situation, this is stressing me out, it is financially hurting my ability to buy a new home for my family and JCPenney does n't take serious responsibility for anything. Please help me to resolve this issue. 
Best Regards,

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 2018-01-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have called ( In XXXX XXXX ) and wrote a letter of complaint last month about these disputes even talked to the companies and they say I must deal with the credit bureaus. I was told they would all be deleted. 
All the credit bureaus have or had fraud alerts yet I am never notified until someone tries to access my credit. Almost daily or weekly I am getting hit with inquiries. I know they are n't mine I have identified what belongs to me and attached to a open account. 

Equifax Hard Inquiry XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX attached to account-legit XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX attached to account-legit XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX attached to account-legit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an insurance claim and the check was made out to mortgage company and myself. The company has been troublesome rude and threatening in processing this money back to me. I am concerned about the ability to do the repairs insurance is paying for when they are getting in the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I applied for a car loan and didn't receive any property from them. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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