BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-23
Company: DISCOVER BANK
State: MI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX/XXXX/15, my spouse, suddenly and unexpectedly, passed away. XX/XX/XXXX, it was discovered that there was a Discover credit card in my name, ( wrong middle initial ). I immediately contacted Discover and was advised to submit a fraud claim. I had no knowledge of the card, no physical card, had never used the card. The only activity on the card were payments, as the credit was balance transfer. 

After several months of dispute, dozens of phone conversations, and mail communications with Discover, they continue to say that I am responsible. When I have asked about how the credit card was opened, I have received different responses, but have been told it does not matter. I truly had no knowledge of finances, in our home. I have been left with only my income, ( no life insurance, no pension or Soc Sec from my spouse ). I can not afford to pay off this bill, approximately {$6700.00}, that I had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Experian Information Solutions Inc.
State: WA
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:
The experian website has my year of birth incorrectly listed. I've tried to submit a correction request online but keep getting directed to call and speak with one of their representatives. I've called them multiple times at ph XXXX and ph XXXX but can not get a live person on the phone.

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 2020-11-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: Veros Credit, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Follow up to closed complaint No. XXXX, I have requested that Veros Credit provide justification for unexplained balance of roughly $ XXXX. No justification, nor policy has been provided nor has Mr XXXX or anyone in his department responded to my legal representative XXXX XXXX. XXXX XXXX as well as myself have concerns of misconduct and intentional mishandling of my account and payments being applied incorrectly. The payments have been inappropriately applied to interests in amounts exceeding 400 dollars in some payments. I request that Veros Credit remove all derogatory marks dating back to XXXX of XXXX. Final payment of the the four deferred payments will be made no later than XXXX, this will leave Veros Credits unexplained and unjustified remaning balance of roughty {$1400.00}. Veros Credit continues to duck contact from my legal assistance representative XXXX XXXX. Several attempts to contact via email, mail and fax have been made with no response. I'm currently on XXXX and this ongoing issue with Veros Credit has been made known to my command stateside.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A check {$8700.00} was issued to me by my insurance company ( XXXX XXXX XXXX ) against a home insurance claim. Per the issuer, the check has been processed by my bank ( Citibank ). However, I still don't see the money in my account. 

Repeatedly tried to reach Citibank and see no rep addressing the issue. Only see reps interested in closing the tickets on false grounds. Saying I am disappointed with Citi is an understatement. Lack of empathy. 

So where did the money go? Has a fraud occurred here? What are my rights as a consumer of Citi banking services?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: NRA Group, LLC
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a text message from National Recovery Agency saying I owe a debt. I do not. I called the the company that I supposedly owe the money. They checked the account number given by NRA, checked by my name, ssn, and they dont have any accounts in my name, by an account number ; in fact they dont even use that type of accounting number. 
I always use a third party payment system to purchase items, and dont pay the company directly. 
The NRA texted me again on XX/XX/XXXX. 
I dont owe the company any money, dont have any account with the company, and dispute this debt. I did not call NRA directly as I believe it to be a scam of some sort. Ive never heard of an debt collection agency texting, however, Ive never had to deal with debt collection.

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 2018-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below, and different information among the 3 major credit bureaus. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 explanation
Consumer complaint received 2018-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX {$430.00} Collections/Charge-off ... False and quite inaccurate ... this account was indeed settled ... yet you will not remove it ... litigation may follow ...

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2020-06-27
Company: PNC Bank N.A.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
On yesterday the XXXX I attempted to use the app but it gave me a message telling me that PNC has made a change that prevents the app from Linking my account and I would just like this resolved as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: EQUIFAX, INC.
State: DC
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 was shocked when I reviewed my credit report and found late payments on the dates below : ( XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 tried to call Transunion about their inquiries glitch and no removal.

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 2018-09-11
Company: Experian Information Solutions Inc.
State: AL
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 uploaded the file to Experian asking them to remove the fraud alert as well as add my contact number for home and cellular number numerous times over 10 days. I uploaded their form myself and provided the documents and had other people do it for me as well to no progress whatsoever. I have spent well over 10 days trying to talk to a person which is impossible and and their instructions lack results. They said 15 minutes it would be reflected. XXXX! My home number is XXXX XXXX XXXX and cell number XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am reporting how unfairly I have been treated by Wells Fargo Bank. 
On XX/XX/XXXX, I applied Paycheck Protection Program Loan ( PPP loan ) to Wells Fargo according to federal guidelines as solo proprietor, requested loan amount of {$31000.00} ( based on my average monthly payroll of {$12000.00} ). XX/XX/XXXX WF notified me that WF received my application. 
XXXX, WF Emailed : We are in the process of reviewing your PPP application If you agree with the eligible loan amount of {$8000.00}, please type yes. I did not understand well, replied yes for being afraid that if I did not reply yes, my application would have been dumped. XX/XX/XXXX, WF sent DocuSign Email, item # 2 printed Promise to Pay {$31000.00}, ( copy attached ) I signed and XX/XX/XXXX the {$31000.00} PPP Loan disbursement was deposited to my WF checking account. Two days later XX/XX/XXXX, {$31000.00} was removed from my account noting Reversal of PPP Loan Disbursement and {$8000.00} was deposited as PPP Loan Disbursement. 
Since then, I have called WF PPP Loan customer service XXXX multiple times : XX/XX/XXXX spoke with XXXX, XX/XX/XXXX called and left message, XX/XX/XXXX spoke with XXXX who acknowledged that WF miscalculated and said that I should have received minimum of $ XXXX. ( Conversation record attached ). XXXX said he would check with manager and get back to me. XX/XX/XXXX & XXXX, I Emailed all my supporting documents again. XXXX, I spoke with XXXX XXXX and was told by her that she would expedite it to underwriter since I had called many times. XXXX XXXX called and said he would investigate it. Nothing happened In brief, in the past 6 weeks, I tried multiple phone calls to get WF correct the loan amount and I kept on being told will Look into it. When I asked agents extension for follow up calls, I was told that I needed to call XXXX number. When I asked for manager, I was told that there was no manager dealing with PPP loan. 
Being very frustrated, on XX/XX/XXXX, I called again, spoke with XXXX XXXX, a loan adjustor. She asked me to send employee health care and retirement info which I did. No correction was done till today. 
Wells Fargo Bank failed to follow federal guidelines on proper calculation of my loan amount and when mistake was pointed out even by WFs own employee, WF disregarded their error and took no action in correcting it! Wells Fargo removed money from my account without my authorization! 
I am so disappointed that Wells Fargo mistreated a loyal customer like me and took away my financial assistance given by government! 
P.S. documents attached

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 2018-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Well for the last few months I have been sending Trans Union, XXXX, and XXXX 609 credit dispute letters for the following accounts. XXXX XXXXXXXX XXXX   account number XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Each of the credit bureaus have failed to send me any contract with my signature as it states under the 609 section. This is hurting my ability to get credit and it is unlawful and not fair. Its has been two months and they are supposed to provide proper documentation or the unverified accounts they where supposedly to be deleted and so far have not. I thought the days at the most.

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 2016-10-04
Company: URS Holding, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received this letter from this company demanding payment. To my knowledge I have never entered into a contract with this company nor have they provided me with services or goods

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Professional Debt Mediation, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I left the apartment called " XXXX XXXXXXXX XXXX  XXXX XXXX '' in about the first week of XX/XX/XXXX. The manager and I agreed upon the final bill will be sent to me via Mail once they finalize my lease break cost. As agreed I sent them my new address via email to " XXXX XXXX '' who works there and she helped me with my leasing along with a CC to the manager " XXXX XXXX ''. I have the proof of the correspondence of the email sent. The email sent to them clearly indicates my new address and requesting the final bill for settlement. Additionally, i also called the employee working there to give him my new address in case they fail to see my email. I had 2 mode of communication to give them my new address. 
The XXXX management never got back to me regarding any bills, and that made me assume that my initial deposit has taken care of the rest pending balance. 

After about 1 year on XXXX XXXX, XXXX. I get a notification of a " Collection Account '' being reported to my XXXX   credit report. I have had no formal communication with any of the Original creditors nor the Collection agency in the form of a letter mailed to me. I vaguely remember someone calling me and asking if i ever lived at " XXXX   XXXX '' for which i naturally denied as i did not know what that is. The collection agency never mentioned " XXXX XXXX XXXX '' they only referred " XXXX  XXXX '' which was not relevant to me. The collection agency only contacted me via phone to ask the balance and never sent me in mail itemized bill for it to be legit and valid. 

Neither did the original Creditor nor the collection agency gave me a single chance of negotiation to pay the balance that is been indicating on my credit report. 
Firstly, if the original creditors " XXXX XXXX XXXX '' have approached me with the bill i would have paid them without even getting any of us into so much trouble. 

I CAN NOT PAY ANYONE WHO CALLS ME FOR MONEY JUST BASED ON ANY RANDOM PHONECALL THAT I WASNT EXPECTING AT ALL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Bread Financial Holdings, Inc.
State: CT
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:
Back in XX/XX/2019 I had a total balance of {$1200.00} on my XXXX XXXX Mastercard however I paid {$1400.00} which XXXX 'd out my balance. Shortly thereafter I noticed several FRAUD charges which were put on the credit card. " I '' went onto my mobile phone app and placed an immediate block/hold on the credit card to prevent any further usage of the card. I then called the customer service ( according to my cell phone bill records ) and reported the fraud charges. I was told that I would receive a new card and the fraud charges would be investigated. In all the years I've had this credit card I have NEVER had any problems with fraud, the minute I pay off the card I then get all these fraud charges. Nevertheless, I received a letter from XXXX XXXX mastercard dated XX/XX/2019 stating that after there investigation of the fraud charges they have concluded that I am not responsible for the disputed fraud balance amounts that were put on the mastercard. However the problem is that I have NEVER received the credit for those fraud charges. I have gone onto my online XXXX mastercard account and sent messages to customer service requesting the credit and statement reflecting this be mailed to my address which they have on record and they refuse. I even contacted the XXXX XXXX XXXX with copy of this XX/XX/2019 letter showing XXXX XXXX Mastercard stated I am not liable for the fraud charges and they REFUSE to supply the XXXX XXXX XXXX with a response stating they would contact me by mail which ive waited now several months and still have not received a response. I am now going to contact the attorney general if CFPB is not able/willing to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My wallet was stolen and my identity was used to make fraudulent transactions on my account using my debit cards and my identification to make withdrawals one for {$40.00} one for {$300.00} one for {$2000.00} and one for {$6500.00} the one for XXXX and XXXX were refunded to my account however the other 2 transactions for XXXX and XXXX were denied stating that my identification was used. Which is correct because they were all stolen with my debt cards I have a police report and it was still denied by Wells Fargo. Claim # XXXX. Claim # 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 2016-03-10
Company: SERVICE 1ST MORTGAGE, INC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I was contacted by a company called Service 1st Mortgage that offered to lower my monthly payments by refinancing and also promised an escrow refund and 2 months off of payments. The process was supposed to take 2 months, but 5 months later we were still working. The day of the closing, I noticed that the paperwork said that my first payment would be due in a month, instead of in 2 months like I was told. My rep, a man named XXXX XXXX, explained that this is because I would get a refund on a month of mortgage payment, so I went ahead and signed. I never received said refund, and when I contacted the rep he at first said that he would look into it, but then stopped responding to my emails and answering my calls. It has been 2 months now.

Company response to consumer: Closed with explanation