BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-04
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am staying at a hotel and I paid the hotel XXXX dollars for 18 days. Somehow when they ran my card my bank BB & T split it up when the manager ran it as one charge. Now BB & T took out $ XXXXand they have {$580.00} and {$440.00} on hold and the {$1000.00} has already been withdrawn. When I called and told them to release my funds because my account was now negative they tried to blame the hotel. When I went to the manager she showed me the charge she made on XX/XX/2020 and it was one charge of {$1000.00}. BB & T has held up over XXXX dollars of my money for 5 days. I have had no way to buy food and to take an XXXX they have jeopardized my mother and my safety as she is a XXXX patient and I need to be able to take her to the doctor and we have no way to go anywhere or to buy food. This should be illegal and I would like my money back and the reparation for the high interest loan we had to take to bring my account into the positive so that these thieves did not try to charge me NSF fees as well. The interest on this loan is over {$200.00} dollars and it is all BB & Ts fault. They should not be allowed to get away with this. Then the woman told me I have to wait for the funds to come off pending status and if the money did not go into my account I had to report it as fraud against the hotel. They did not commit fraud BB & T committed fraud. This is absolutely horrible that they can get away with this. They have held up over XXXX dollars of my money for their own use for over 5 days.

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 2022-01-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Starting at XXXX a.m. and again at XXXX p.m. EST, phone number ( XXXX ) XXXX XXXX and ( XXXX ) XXXX XXXX called my personal cell phone XXXX times ( came up on my SPAM blocker and then XXXX times at XXXX p.m. This is ridiculous and bothersome. I have answered and asked before for them to not contact me. The numbers change, but it's the same company. I have the call log on my SPAM blocker to prove the excessiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19
Company: Experian Information Solutions Inc.
State: AR
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 collection is reporting on my credit report and it is incorrect. I have tried to fix it with Experian multiple times and they have still not corrected it. This item is reporting as a revolving trade line that is affecting more of my credit than normal. I have attached a screen shot explaining that this is coded as XXXX XXXX, which is completely incorrect.

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 2017-09-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, Experian or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place. Thank you for taking time to read my complaint.

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 2020-11-14
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19
Company: JPMORGAN CHASE & CO.
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
I was charged {$54.00} from XXXX/XXXX on XX/XX/20018 on my Chase credit card. I did not authorize or receive anything for this charge. I contacted Chase to dispute. I received a letter today stating that I am responsible. I have closed my Chase account but I'm still reliable for this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am a victim of identity theft and I am writing to dispute certain information you have reported. Please block this information from my credit report, according to section 605B of the Fair Credit Reporting Act, Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions, please Remove of all incorrect or outdated personal information being reported on my credit file. It's frustrating to continue to get denied for credit approvals because of the inaccurate information on my file. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have written documentation from the Bankruptcy Court stating that they DO NOT report bankruptcies to any of the credit bureaus. However, XXXX, XXXX, and Experian are illegally reporting this information which is a violation of my rights. 
I am requesting that all 3 credit bureaus provide me with an original contract ( wet ink signatures ; written proof ) that they were authorized to report a dismissed bankruptcy to my credit report. 
Without written proof, this information must be immediately deleted from my credit reports and blocked from reporting again. 
In the meantime, I will be preparing all necessary documentation to seek legal remedies against the 3 major credit bureaus.

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 2018-04-26
Company: PNC Bank N.A.
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a HELOC with PNC Bank with a variable rate adjustable monthly. The line of credit is closed. I had filed for personal bankrupcy about 7 years ago and did not reaffirm this loan, but, PNC Bank has been issuing monthly statements and I have been making monthly payments on this loan for the past 10 years. The monthly payment amount changes due to the variable interest rate. 

PNC Bank has not issued a loan statement to me for the past 2 months. They have advised me that they have decided to discontinue issuing statements on HELOCs. They have informed me that they have no obligation, legal or otherwise, to issue statements to me on this loan. They will not allow me online access to the loan information since I do not have any other accounts with PNC. 

They can not tell me how I am supposed to make payments on this loan, or how much is owed monthly. I believe that PNC is violating their legal obligation to provide a monthly statement on this loan in an attempt to force me to refinance this loan because they no longer want to provide the favorable interest rate on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Global Lending Services LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE CONTACTED THE COMPANY GLOBAL LENDING SERVICES ON XX/XX/2020 AND HAVE EXPLAINED TO THEM THAT THIS ACCOUNT WAS DID UNDER FRAUD BECAUSE SOMEONE STOLE MY IDENTITY. I HAVE ALSO DISPUTED THIS ACCOUNT ON MY CREDIT AS FRAUD THIS ACCOUNT WAS OPENED UNDER FRAUD WHICH THE POLICE HAD ARRESTED TWO OF THE PEOPLE WHO STOLE MY IDENTITY. THIS COMPANY HAS NOT DELETED THIS OFF OF MY CREDIT AND THIS IS CAUSING HARM TO ME AND MY FAMILY.I HAVE A POLICE REPORT THAT WAS SENT TO THEM IN REGARDS TO THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Navy federal converted my secured credit card ( nrewards ) from a 10 % interest rate to a variable interest rate over 16 % ) without my knowledge and without my consent. This card was obtained while on XXXX XXXX in the military is protected by the service member relief act formerly known as the soldiers and sailors relief act. I have reached to this company multiple times I. Writing and also filed a complaint with national credit union association whom stated they were forwarding my case back to CFPB. I am angry that this federal credit union is allowed to mishandle accounts in such a way and impose bogus charges to its consumers in such I have over paid on this card. I was also threatened for closure of this account in which they did because I didnt want to switch to a different card not only that this union continues to report on this card and list on my credit when it is closed. They also fraudulent take the amount of money they want out of my account even though I gave them an amount I was able and willing to pay. This issue has festered way too long and if needed I will file a civil suit. This email was sent to XXXX XXXX the former President of Navy Federal credit union before he retired. The new president is XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I called my financial institution ( Chase Bank ) at XXXX several times over a 1 and 1/2 hour time span on Saturday afternoon ( XX/XX/2021 ) to report a fraudulent activity of {$320.00} from my bank account using XXXX as soon as I got off the telephone with the scammer posing as an XXXX  representative from the billing dept. 

I first called Chase customer service on two different occasions and both times I waited closed to 30 minutes while the call was being transferred to the Claims Dept. I called a third time and was given the telephone # XXXX to call Claims directly but each time I called this telephone #, a " telephone banker '' would answered and kept transferring me to the Claim Dept,, which I advised I have been dialing and was not getting the appropriate response but she stated they were working, I called a fourth time to speak to a male supervisor and explained my situation. The manager stated that because it was the weekend, not enough staff is available but stated he was going to transferred the call, yet again to the correct dept. and would stay with me until my call was picked up so I can file my claim, The manager transferred the call and an automatic message prompted the wait time to be 50 minutes. 

In times of urgency, I did not have the opportunity to report and possibly stopped, or at least attempt to prevent my funds from being taken out of my account on a timely manner as Chase Bank 's telephone customer service in the Claims Dept was not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Monterey Financial Services LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 at XXXX XXXX XXXX we received a call from Monterey Financial XXXX. Person leaving the message was clear until what the matter was regarding and then made what they were saying very hard to decipher until she gave the phone number and extension to call her back at.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Action Revenue Recovery, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not notified any any form before business listed derogatory information on my all three credit bureaus as required by law. I notified business and also went through XXXX XXXX XXXX requesting business send proof of notification before placing negative information on my credit report but business has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My credit score is excellent ( over XXXX XXXX. 

I am being charged with late fees on my BJ 's Mastercard issued by Comenity Capital Bank. 


On XX/XX/XXXX I paid {$100.00} toward the minimum payment of {$35.00} due on XX/XX/. I was charged a late fee of {$29.00}. 

OnXX/XX/XXXX, I paid {$100.00} toward the minimum payment due on XX/XX/XX/XX/XXXX I was charged another {$35.00} late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-07
Company: Peak Acceptance, LLC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Traded in a XXXX XXXX financed through peak acceptance and purchased a new vehicle financed through XXXX XXXX. XXXX XXXX   paid of remainder of loan to Peak Acceptance but Peak Acceptance failed to process last payment in a excessive amount of time then noted my last payment as 30 days late on 3 credit bureaus.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-28
Company: CITIBANK, N.A.
State: IN
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:
The above three accounts ( XXXX, XXXX XXXX, and Citi-Shell ) appear exactly as attached hereto on my credit report, but must be removed immediately. I have previously written each of the above fake " creditors '' a minimum of six times certified mail about the above accounts, which appear erroneously on my credit report. Under the Fair Debt Collection Practices Act ( and the Fair Credit Reporting Act ) these three companies ' repeated lack of any valid response by itself means that the CFPB should take legal action immediately. In addition to lack of response, the very data from the reports themselves copied above from my credit report all indicate that each account is WAY more than 7 years old, which in and of itself is dispositive. To be clear, these three accounts are not, nor were they ever, in my personal name nor guaranteed by me, and they are also more than seven years old, as the above " re '' notations demonstrate. What apparently is happening is that these companies are Illegally attempting to use fraudulently much more recent dates - the dates when the companies finally unilaterally got around to " writing off '' the amounts owed -- because these 3 companies knew that they could not win a lawsuit because the debts were not and never were mine. In sum, none of these accounts was ever in my personal name or guaranteed by me, all 3 are ADMITTEDLY, by the information provided above, more than 7 years old.

These companies scoff at federal law and essentially say, " sue us, '' which suit enforcing the FCRA is really the responsibility of the federal government law enforcement agencies, not individual consumers like me. I have written the CFPB before about this matter previously but have not received a response.Whatever the next step is, lets take it!

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 2018-06-28
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed documents with ocwen showin evidence of a Equity trust they have me in which is a Pooling service. 

Ocwen states there are several mortgage in the PSA and Equity is just a name. The issue I have with this is my loan is a conventional Loan the word Equity should not be associated with the PSA. It clearly states EQUITY TRUST. My Deed Clearly states it is not and EQUITY DEED. 

Next XXXX XXXX  is not even in my loan documents and they show them in the trust SEC as my Beneficary/ They show XXXX as a Beneficary which is not in my orginal deed. My orginal deed Beneficary Trust is XXXX as listed in the deed Next The cut off date as in the SEC Report shows From XX/XX/XXXX-XX/XX/XXXXI would like to know how my loan was put in this PSA. I closed on my loan XX/XX/XXXX. The trustee at the time was Mortgageit not XXXX XXXX please explain? 

The law states no new instruments can be added to a trust once close please explain how it is possible for Ocwen transfers that are past the trust date XX/XX/XXXX-XX/XX/XXXX. Ocwne do not know about the orginator of the loan per to you the CFPB that means a broken chain of command in title.Please explain? 

Explain how Ocwen is doing a Non-Judicial forecloser when it clearly shows they accelerated the loan in XX/XX/XXXX which is pass texas law for non-judicial foreclosure document attached showing Ocwen is now duel tracking I sent a modification pack within the seven days per law they are to stop the foreclosure while in review. Ocwen is reviewing and has the sale date still on the property. This is illegal. 

I also want to know why Ocwen lied to the CFPB and sent fake documents showing the loan was accelerated in XX/XX/XXXX when in fact as the document I provided shows XX/XX/XXXX

Company response to consumer: Closed with explanation