BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
Company: EdFinancial Services
State: TN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was contacted the end of XXXX and first 3 months of XXXX by XXXX ( XXXX XXXX ) on several times through mail, email, phone calls. XXXX and another person by the name of XXXX XXXX stated that my student loans are due and that i had to take immediate action. They stated that they were working with the Department of Education and they had a lot of my information on file including personal information to make me believe they were a legit company. so that had me to sign XXXX XXXX documents to charge me {$290.00} three times which equal close to {$1000.00} also they were expecting to take {$39.00} a month. and said they were transferring my information to XXXX student loans. i ended up getting in touch with the correct people from the Department of Education and they advised me to close my account because i was being scammed. i closed my account and tried contacting XXXX for a refund and i got no calls back and can't contact them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have checking account with overdraft protection with PNC bank.On Wednesday XX/XX/2019 my checking account balance has negative $ XXXX in checking and positive balance on reserve a/c has {$480.00}. I knew and that night I deposit CASH through ATM in amount of {$1000.00} and came home check balance again and it was balance was positive {$110.00} and reserve has same as before {$480.00}. so there is no need to transfer money from reserve account. everything good, but i woke up in the morning and check balance again it was negative $ XXXX and I CASH deposit again {$200.00}. Also I requested from XXXX XXXX online casino ACH deposit total 12 ACH transaction on tuesday XX/XX/2019 so there is more money come into my checking account. I called XXXX XXXX and their third party money transection provider XXXX XXXX  they told me they sent fund to your bank but they don't know when they release fund to your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I received the following email from Experian on XX/XX/XXXX ( full text of email is shown ). Then when I looked at my account yesterday, it said I was being charged {$19.00} per month. When I called the membership department, I was told that the {$4.00} was a one-month trial and that the website explained the higher monthly charge. 
However, I believe this is quite deceptive advertising, because the email does not ever mention a one-month trial or the higher fee. The website was difficult to navigate but I thought I could trust the email from a company like Experian. 
I am on a limited income so I had no choice but to cancel the account. 

XXXX Experian Membership ID # XXXX  Member Sign In New level of protection As identity theft increases, it's time for you to increase your control and level of protection in XX/XX/XXXX. For just $ XXXX/month, you'll get ability to lock your Experian credit file and block identity thieves from accessing it. 

Up your protection More benefits that monitor your identity and credit Experian CreditLock Lock your Experian Credit File instantly to prevent new credit accounts from being opened in your name. 
Dark Web Surveillance Alerts you if we find your personal information on the dark web. 
Experian Credit Report & FICO Score Keep track of both, refreshed every 30 days upon sign-in Hard Inquiry Alerts Be alerted if someone conducts a hard inquiry into your credit, as these can lower your score. 
Protect yourself 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 2021-08-16
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX entered into a consumer credit transaction with State Employee 's Credit Union on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but State Employee 's Credit Union took cash. State Employee Credit Union willfully implied that I am the Borrower of this consumer credit transaction, when in fact I am the original creditor. This is highly false and misleading pursuant to 15 usc 1692 ( e ). State Employee Credit Union is in violation of 15 usc 1692 ( f ) ( 1 ). This consumer credit transaction did not include the interest percentage rate, following I was charged 11.25 % yearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed this company on my credit report, i have sent Certified mail a Debt validation letter to request a copy where i signed or a contract i have with this company United Revenue Corp. The first response i received on XX/XX/2018 from them was a typed letter of Dr services from XXXX XXXX XXXX XXXX for {$270.00} nothing else to validate it was me. I sent out a second letter explaining this and i received the same response on XX/XX/2018 since then they have refused to acknowledge my mail or respond. i want this negative item removed from my credit report as it is affecting it negatively.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: EQUIFAX, INC.
State: DE
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 had a mortgage with XXXX. In XX/XX/XXXX, I entered into a loan modification program ( attached ). My first new payment was XX/XX/XXXX.  The schedule of payments due is detailed in the attached documentation. I made ALL PAYMENTS on time during this program ... .yet the bureaus indicate past dues in each of those months ( XX/XX/XXXX through XX/XX/XXXX with the delinquency accelerating all the way to 90 days past due. 

This is a violation of my federal rights for bureaus to report incorrect information. I disputed this and they left it on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01
Company: EQUIFAX, INC.
State: PA
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 recently checked my credit report and noticed fraudulent inquiries on my credit report.These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX said I was never. I have never been late

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 2021-08-16
Company: SYNCHRONY FINANCIAL
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
The issue started last year with the start of the covid outbreak and shut down. I was put on furlough at work, my child was out of school. I got behind in the payments of the credit card, JCPENNEY. I made a call, they stated they could help, and put me on an extensive payment plan, due to the financial burden I was going through with the Covid. I had spoken to an agent, it was all set up for {$26.00} a month and was set up to come directly from an account. The first payment was successful no issues. Months went by and the calls continued. Each week I called back, stating this matter had been all fixed and I was set up for auto monthly payments. I get yes, I see that, I am not sure what happened. I was assured it would be taken care of. This conversation went on for months, and nothing was ever fixed. Now a year later, only one payment done, and multiple calls made by, myself, every time I am told the same thing. We will fix it, I see that it was already addressed and set up. To this day, nothing has been fixed, I get multiple daily calls, emails and text messages. I get nothing by mail. I had been ignoring the calls, emails and texts, cause I am tired of the same conversation, explaining myself each time with the same out come. At this point, it is not my fault they can not get this fixed. I want it off my credit, for the sheer frustration, stress and pain in the XXXX they have been and caused me. As well as the multiple hours spent on the phone with reps, management etc.

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 2020-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submitted several claims for a company that was pulling money from and they keep denying them. Not because they received information from the company but because I was funding my account, and because they were giving the companies my card information after I changed my card number and put a stop payment on the account. I even advised them that I tried to contact the merchant as they advise you to do before filing a claim and they used that information against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-01
Company: WELLS FARGO & COMPANY
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing

Complaint:
Got cashier check from XXXX XXXX XXXX XXXX for XXXX, made deposit of the check in my Wells Fargo checking account and Wells Fargo put a ten day hold on it. 
Two employees in bank said there will be no hold on check. Next day got email from Wells Fargo that they have ten day hold on the check. On the check it says the check is same as cash.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today a representative of Carter Young ( XXXX ) representing a debt from XXXX XXXX XXXX XXXX called, and she was very rude. When I asked if I could get the bill she stated that the original debtor should have sent me the bill. I then asked if I could get a letter in regards to this debt, and she stated that a letter had already been mailed to an old address that I hadn't lived in at for 3 years. At that time she became rude, and I had to ask her to stay cordial over the phone, and allow me to provide her with my new address. After I gave her my address, I asked her for her name, and she hung up the phone. This is very unprofessional. I have the right to know who I am speaking to, and what is the exact information for the company that is contacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Please remove the following fraudulent inquiries from my TransUnion credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Its been over a month since I sent you my dispute letter, I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. What the XXXX is this???? This is clearly a violation and your negligence. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out for my family and youre ignoring it. My information may also have gotten to the hands of the wrong person because of XXXX  data breach and you need to do your part to investigate and clean up these errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday XX/XX/2020 at approximately XXXX XXXX, I went to Chase ATM ( XXXX XXXX XXXX XXXX, XXXX, OK ) and made a deposit of {$460.00}, once my deposit was complete, I received a printed receipt that stated To be sure your deposit went through, please call XXXX. I called that number and they transferred me to their claims department. There I gave them all the details they asked for only to be told that I would have to wait a MINIMUM of ten ( 10 ) days before I could receive a TEMPORARY credit. This was all the money that I had until I received my payroll check on XX/XX/XXXX! I was not given any further information and I still have her to hear any further actions taken. This is a trying time for everyone due to the situation relating to COVID-19 and has caused a great inconvenience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-10
Company: ERC
State: AP
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I have checked my XXXX credit report and it gave me an collections alert from XXXX XXXX XXXX XXXX stating that alert date of XX/XX/XXXX. And status date of XX/XX/XXXX, for {$63.00} in which I have never received due to me being overseas. They have reported it to my credit scores and have damaged my credit score for a debt that I know is not mine since Im good at paying my debts, I havent received any calls or anything about the matter as well notifying me that I owed them and they have just reported it to my credit scores I dont even have photos or any paper trails about this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Opened a dispute XXXX at which Citicards provided me a conditional credit and sent the Vendor a letter seeking more information. The Vendor sent information CLEARLY states that problem still existed after he left and he was contacted at least 3 times to repair the issue, cancellation policy but citicard 's policy is to reverse the credit pending investigation. I called Citicards many times requesting to talk to an investigator, they take my contact number and tell me that someone will call me back but on one ever does. I am beginning to feel that Citicards doesn't really have an investigation department!!! So, I had to resort to this method to get my money back before I file a legal case

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 2022-08-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

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 2021-01-29
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Two credit cards were fraudulently opened in my name without my request on XX/XX/XXXX and XX/XX/XXXX at the XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX , XXXX XXXX, SC XXXX. One card had a {$2000.00} credit limit and the other {$6700.00} credit limit. The employees at the timeshare presentation took my personal information provided and forged my signature on credit card applications while I was attending a presentation on a timeshare, which I denied. I was neither made aware of any credit card applications or products during this timeshare presentation. All employees involved should be criminally charged.

Company response to consumer: Closed with explanation