BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-09
Company: ORG GC GP Buyer, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
GC Services calls me everyday with different phone numbers. I told them that I will resolve by the XXXX. They didnt want to wait. They threatened to collect it from my bank account right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2021-06-03
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I made a purchase through XXXX using the Venmo Debit card as my preferred card of payment. It was initially declined because I forgot to link my Venmo Debit card with my bank to take out whatever cash was necessary incase the fund in my Venmo account was insufficient. 

I then linked my Venmo card to my Bank and did the process again in purchasing my tickets to XXXX. This cleared through XXXX and I received the receipt from XXXX that the purchase was complete and paid in full. As Venmo used the money in my account and supplemented it with about XXXX XXXX from my bank account. Later that day, I then received some money transferred into my Venmo account by another party at the same time At about XXXX XXXX XXXXo XXXX the same day I attempted to transfer the XXXX dollars into my own bank account. However, Venmo would not allow me to transfer the money. Then I received an e mail stating my Venmo account was frozen. No rhyme no reason just frozen. It then stated that I need to send a copy of my ID, which I sent. This does not make sense as all the accounts are in my name, and they all have my personal information in file. I am now told that their turn around time is over 8 days and I can not access my money. 

thanks you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-09
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
i sent money through moneygram to be sent to my brother in XXXX ( XXXX XXXX ) When my brother went to pick up the money the bank told him the pin is invalid. i called moneygram customer service for my refund and they don't want to refund me my money. i am disappointed with their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
The first time they gave me a link with how to do it. But it seems that every time I try to set up a 3rd party withdrawal I have to contact them again and wait for some site link.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I tried to contact PNC Bank to settle the HELOC I have with them but they are ignoring my request and making the communication dificult. I'm refinancing my first mortgage to pay off the HELOC but I don't have enough equity and PNC need to provide a settlement with a lesser amount. I have tried several times with no success. Please assist with the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion removed XXXX # XXXX from my credit file for no reason and by TransUnion Date Updated as XX/XX/XXXX was or should have not been removed last payment was made XX/XX/XXXX in which last updated XX/XX/XXXX is not 7 years and I see TransUnion likes to remove accounts in Good standing before its time for no reason on the other hand TransUnion would not removed XXXX # XXXX if I would missed a payment. 
TransUnion does things to consumers credit so they can lower your score and not adjust it correctly in there error and tell you it takes months on there error that seems done in purpose.

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 2018-05-09
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/18 I tried to utilize American Express 's Membership Rewards benefit to transfer XXXX of my Membership Rewards points earned through my American Express credit cards to my Singapore Airlines 's KrisFlyer account which is linked to my American Express Membership Rewards account. I was denied the ability to make this transfer, receiving the following message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' However, I have gone through and verified that all of my purchases were eligible and met the qualifying criteria. 

That same day, I contacted American Express through their online chat function and asked to resolve this issue. The chat representative was only able to say that my account is being reviewed by American Express 's Membership Rewards Team and that it will take 6-8 weeks to complete the review. This is an unacceptable time frame, as the primary value of American Express Membership Rewards is that they can be transferred to miles with partner airlines for use for award ticket redemptions. In 6-8 weeks, the award ticket that I plan to book will almost certainly no longer be available. I have opened up a prior complaint with the CFPB and American Express 's response was that my Membership Rewards account is still under review and no timeline was provided for when the review will be finished.

I am opening this complaint again to respectfully request that the review be completed no later than 5 business days from the date that this complaint is submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
So now not only I had {$1300.00} that was promised to me for 3 weeks ( combined amounts of {$680.00} and {$610.00} from XX/XX/XXXX and XXXX ) that was cancelled out at the last possible minute and only days before XXXX no less, but on XX/XX/XXXX an agent determined I was owed {$1100.00} in credits from returns I had made to merchants, permanent credits, and disputes found in my favor. She put in a request for a balance refund check in that amount and it was CANCELLED. This phone call was monitored and recorded on XX/XX/XXXX at XXXX. I will now be suing Discover for {$2400.00}. A response from the company will not be necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Dear CFPB, I recently started using a XXXX XXXX XXXX card that I have had since XX/XX/XXXX as it offered more points. I did not realize the limit was low ( {$7500.00} ) as compared to my other cards. I had XXXX  work and XXXX charges applied. On XX/XX/XXXX I was notified by Chase that there was a change on my credit score-my CREDIT SCORE dropped form XXXX to XXXX ... .72 points!! I then became aware of the limit and paid the entire balance ( which was not yet due ) by XXXX bill pay on XX/XX/XXXX which was processed on XX/XX/XXXX. I have contacted XXXX and been on the phone for hours. There is NO concern for this outcome and apparently they will not notify the Credit Bureaus until XXXX of the XXXX balance. I have no information how long it will take to regain my credit -- -- I was considering a new home this fall and now have to postpone as I don't know how a XXXX score would affect a mortgage. 

WARNINGS TO OTHERS : 1. I have numerous XXXX accounts and history but they do not have ANY ability to assist with problems with XXXX you are on your OWN! 
2. XXXX customer service explanations were uncaring and vague- no advise. 

QUESTIONS : 1. How long will it take now for my credit score to return to XXXX? 
2. How does it affect your credit score to discontinue the XXXX credit card? Are you better off leaving it at XXXX unused until XXXX discontinues it? 

Thanks CFPB for your assistance in advance. I read so many bad reviews for XXXX on XXXX and wallet nerd that I see I am not alone ... ..

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 2018-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sometime in XX/XX/XXXX A credit card was acquired in my name using my social security number in which the bill was not paid and sent to collections. I have not accurately checked my credit report until earlier this year and noticed this account. I have went back and forth with this company for months trying to get some type of validation. On XX/XX/XXXX I received a copy of the bill which list and inaccurate address for myself. I called XXXX XXXX and offered to give them a copy of my lease from my apartment complex or a copy of my bills from XX/XX/XXXX to prove this is in fact identity theft and what city and state I lived in. They would not accept it and the representative XXXX told me that it is my debt and I had to pay it or they would sue me. This company is unprofessional and use aggressive tactics to try and get you to pay a debt that they can not even prove to be yours. I have proof that is it not my debt and I have never lived in XXXX, IL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 filed a Bankruptcy in XXXX of 2011 which did not go through and was closed with out discharge by the BK court which makes not an official BK. I have disputed this with XXXX over the years to have it removed on several occasions to no avail and I am not happy. It is my understanding that XXXX searches for public records with out investigation and does not care to see if the BK is legitimate or not. I was told this by the BK court. Credit Bureaus should not be allowed to do this kind of unfair, predatory and hurtful practice on consumers and they should be punished. It has been on my report for seven years something that was just filled closed with out discharge and never official. The rules need to be changed on how you the credit bureau collect a serious public record information like this. If a BK is official and goes through the courts and is approved sure it is legitimate put it on the report. If it never goes through and gets discharged or dismissed you the credit bureau should have it as a public record on that persons report therefor hurting the consumer by reporting something that was never made official and was only a filed document. I am going to request again to please have my BK removed immediately. If it is not removed I will take further action and go as high as I need to go with the Federal Government to get this removed and make sure you the credit bureau don't hurt the consumer with this unfair and predatory practice again.

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 2018-05-09
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Me and the consumer fin.protection bureau have 6 pages of receipts from XXXX XXXX of XXXX XXXX   showing where I stayed from XX/XX/XXXX and XX/XX/XXXX and you are saying in my credit report by XXXX/XXXX that I was staying at your house from XX/XX/XXXX to XX/XX/XXXX.that 's your charge of XXXX.The dept of consumer service commissioner got the information on paper you would not answer me or the commissioner.if you want to keep reporting to XXXX/XXXX credit report you going to have to tell me and the c.f.p.b. what do I owe you for? and if you can not you or going to get off my XXXX and XXXX credit report, the c.f.p.b. has my permission to open my credit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
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: Account information incorrect

Complaint:
Dear CFPB, I recently started using a XXXX XXXX XXXX card that I have had since XX/XX/XXXX as it offered more points. I did not realize the limit was low ( {$7500.00} ) as compared to my other cards. I had XXXX  work and XXXX charges applied. On XX/XX/XXXX I was notified by Chase that there was a change on my credit score-my CREDIT SCORE dropped form XXXX to XXXX ... .72 points!! I then became aware of the limit and paid the entire balance ( which was not yet due ) by XXXX bill pay on XX/XX/XXXX which was processed on XX/XX/XXXX. I have contacted XXXX and been on the phone for hours. There is NO concern for this outcome and apparently they will not notify the Credit Bureaus until XXXX of the XXXX balance. I have no information how long it will take to regain my credit -- -- I was considering a new home this fall and now have to postpone as I don't know how a XXXX score would affect a mortgage. 

WARNINGS TO OTHERS : 1. I have numerous XXXX accounts and history but they do not have ANY ability to assist with problems with XXXX you are on your OWN! 
2. XXXX customer service explanations were uncaring and vague- no advise. 

QUESTIONS : 1. How long will it take now for my credit score to return to XXXX? 
2. How does it affect your credit score to discontinue the XXXX credit card? Are you better off leaving it at zero unused until XXXX discontinues it? 

Thanks CFPB for your assistance in advance. I read so many bad reviews for XXXX on XXXX and XXXX XXXX that I see I am not alone ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: AMERISAVE MORTGAGE CORPORATION
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, 5 months ago me and my wife began refinancing my mortgage with your company. Since we began we have been repeatedly misled or given inaccurate information or straight out lied to by my loan officers. We tried to cancel the business months ago when their service was clearly not helpful but they held hostage my deposit they refuse to return if i wanted to cancel their business. 

We've been told repeatedly that after an assessment and providing the value came out as predicted it would be the last step in the process. After the assessment came in for the proper amount they have now indicated that we needed repairs but are unable to tell me what is needing to be done because the assessment report does not say anything. After that we were told that we could not qualify anymore for our loan and would need to change terms. 

We've been given the run around from these officers and company for months without getting any straight answers on why we don't qualify and what we need to do to qualify again. At this point the only I can think of is their trying to scam me out of me {$500.00} dollar deposit by pushing me to another lender. 

These two employees have repeatedly given us conflicting information in what is either massive incompetence in their abilities or an intentional effort to drive away our business and keep the {$500.00} dollar deposit. I have asked to speak to the managers but haven't received a response. I am concerned that this is a complete scam with the way we are being treated by this company, I have reported this company as a scam to all available financial regulators and will be contacting legal counsel. 

XXXX XXXX XXXX XXXX NMLS ID # XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX KY XXXX XXXX Desk XXXX Fax XXXX XXXX XXXX Processor AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX XXXX Desk XXXX Fax XXXX Thank You, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
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: Information belongs to someone else

Complaint:
This is the THIRD time I have tried to fix this issue with Transunion, there is a fraudulent account with XXXX XXXX XXXX that all the other credit agencys deleted. 

This Data furnisher has been in violation of the FCRA 2009 ( a ) which states a Data furnisher MUST delete an account that has been reported to authorities and has proper identification to prove it ( which I have provided numerous times ) WITHIN 4 BUISNESS DAYS, ITS BEEN 3 MONTHS. 
I have reported the data furnisher to the Attorney Generals office - XXXX XXXX due to Transunion negligence. They are in violation of the Fair credit report act 2009 ( a ), which is a FEDERAL LAW.

FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. "

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 2020-08-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I'm looking to refinancing my home mortgage loan away from HSBC is denying me CEMA. I'm locating in New York. 

HSBC told me flat out that I'm out of luck. Either I refinance with them or pay taxes all over agin I'm working with XXXX XXXX XXXX   <XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion File Number XXXX XX/XX/XXXX REGULAR INQUIRIES XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX I have never applied for nor took out credit nor fill out any type or credit application in my name.

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 2021-06-03
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: Account status incorrect

Complaint:
this account belong to XXXX they claim a medical bill that went i contact the original creditor said the i dont have any balance them i contact XXXX for them to what the been reported to the credit witch is a bill for {$960.00} and they cant provide me that beside that all my medical bill and medical expenses are been cover by my XXXX and my medicaid insure since i been declared XXXX since 2016 please help me resolve this wrong issue with this people who are been reporting and affecting my credit with something that is not true thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: UNITED CREDIT CORP. OF SOUTHAVEN
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I got out of work last XXXX and got behind on the payments, I have since gone back to work and I am trying to get the loan caught up but they will not offer me any kind of assistance and have started to call me every 5 or 10 miuntes every day and have now started to harass my husband and family every few milnutes. its either XXXX or XXXX calling demanding a payment right then. I offered to let them know when I could get a payment in but was told I need to do it right now. Im really trying hard but I can do only so much and I do have other bills to pay also and trying to kwwp my house out of foreclosure.

Company response to consumer: Closed with explanation