BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-04
Company: Experian Information Solutions Inc.
State: NY
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:
To Experian if you dont remove this negative inaccurate accounts from my credit report immediately we are going to arbitration XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Dear Sir/Madam, I purchased a merchant for {$240.00} online on XX/XX/XXXX. a representative of the merchant informed me that item was not available by email. She asked if I wanted to change to other item. I said no. I asked her canceling my order by email. However, the item was still was mailed to me. I asked the address I could return the item. I got no response. I informed my credit card company Capital one. They asked me the copy of invoice. date of cancellation, etc. I have no these document. All I have are the emails I communicated with the a representative of the merchant. The email proved me I have cancel the order before they mailed the item. I mailed the emails and fax to them, But I was still be charged back {$240.00}. 

Thank you for your time. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-16
Company: PNC Bank N.A.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have been trying to refinance my home and have been unable to because of a HELOC that was included in a Bankruptcy ( discharged in XX/XX/XXXX ) because the bank, ( PNC ) has refused to give a payoff or report the information to the credit bureau on the HELOC. 
I filed a chapter XXXX Bankruptcy that was discharged in XX/XX/XXXX.PNC was the holder of a HELOC on my property that I continued to pay even though it was included in the bankruptcy.I had tried to obtain a lien release and was quoted a figure of XXXX in XX/XX/XXXX.They claimed I still owed the money even though it was not reported to the credit bureau and they would give no rating in order for my lender in XX/XX/XXXX to do the refinance.They would also not subordinate this lien to a refinance so I had no options.I was paying a 5.25 % interest rate and wanted to refinance it to lower my payments.They were being impossible.I was willing to give them XXXX and get rid of them but they refused to give a payment history to the credit bureau on my payments on the HELOC. 
It cant work both ways, if the debt doesn't exist because of the bankruptcy then it should be discharged as a lien, if the lien still exists they can give a payment history so I can pay them off.They have not given me a statement or a balance in over 4 years despite many requests.As a mortgage servicer aren't they obligated to? 
My attorney told me that PNC was now offering lien releases to clients who were in Bankruptcy when I was, apparently they made errors during the process and they were making restitution.I am attaching a copy of the letter sent to other clients.I called them for my lien discharge and they  said my bankruptcy dates didn't qualify I advised them that it was in the same time frame as the person who received the attached letter and they said they would have a supervisor call.On XX/XX/XXXX I spoke to a XXXX XXXX at XXXX and he advised that he couldn't address all the issues but it had been elevated and within 1 day I would be contacted by a XXXX XXXX.He could not give a contact number and she has not contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My husband and I have been trying to get a freeze lifted on our credit reporting files for over a week. All three major credit reporting agencies have forced us to jump through a ridiculous number of unnecessary hoops to get this done. They have all forced us to answer ridiculous questions supposedly to identify us, when they already had more than enough information to do so. Experian was the worst of the three.  Today, XX/XX/27, my husband and I made our final attempt to contact Experian and miraculously we were able to speak to a human instead of being routed in a circular manner right back where we started. I spoke to a man named XXXX. He refused to give his last name, or where he was located. He finally gave me an ID number, XXXX. I had researched answers to some of the ridiculous questions the other reporting agencies had asked, so I was ready for most of them. After going through the ridiculous questions I told him I wanted to remove the freeze on my account. He paused for a few seconds and then told me there was no freeze on my account. I told him that some lenders had told me there was a freeze. I said, so you are telling me there is no freeze and he said yes. Then I asked when a freeze had gone into effect and after another pause he said, " oh yes, there is a freeze ''. He agreed to lift it and gave me a confirmation number, 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 2022-01-06
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, I trying to resolve this problem since XXXX XXXX, i call XXXX XXXX, citi bank, i keep calling all the time to get help, XXXX XXXX i send copy off my social security, and they still don't do anything i need help, i have a closing day for my house and if I dont fixed this situation I will loose {$10000.00}, with the real state, please if you can help me i will be very happy, thankyou

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 2020-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
This company has harassed me about a account that Im supposed to have however have a card now with a balance of XXXX with a limit of XXXX. Im a victim of identity theft and dont understand whats going on. Im going to file civil suit for the harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted this company and requested verification and validation of debt per my right under the FDCPA section 809 a and b. This company refuses to provide to me. I also do not believe they are bonded to collect in my state. This is not my debt and please consider this your direct dispute. I will take all actions to protect my rights even if that means filing a civil suit against you and your client. I will seek actual and statutory damages. This account also needs to be update with all 3 bureaus that its in dispute per the FCRA! Last four of my ssn are XXXX and my date of birth is XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12
Company: Experian Information Solutions 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 applied for a XXXX XXXX credit card today XX/XX/2020 and I was not approved because apparently there are several accounts in negative standing appearing on my credit report. I looked through each of those accounts and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open those accounts in my name using my personal information. I did not benefit anything from those accounts and I did not make any payments towards any of these accounts. I don't know who opened these accounts without my permission so I reported it to the police as well as the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.

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 2020-08-27
Company: MIDFIRST BANK
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan originated with XXXX XXXX, XXXX. on XXXX. In XXXX, I applied for COVID-19 hardship forebearance, due to less income at my job and my spouse being laid off. I got a 3 month forebearance, and I was told over the phone and in writing that my 3 months would be applied to the " back of the loan '' with no penalties. At the end of the term, I discussed the plan and was told that the agreement stands, and that I would be getting papers to sign to have an interest free balloon payment at the end of the loan. Instead, I got a letter saying that my mortgage was sold to Midfirst Bank or XXXX  XXXX DBA Midland Mortgage. It was stated in the welcome letter that I would have access to my mortgage and ability to make a payment on XXXX. I then received threatening letters dated previous to the date of XXXX stating the mortgage is in default. I called on XXXX to pay my mortgage ( which I did ), and i was informed that NO RECORD of my agreement with XXXX XXXX  was noted. They agreed to put me in THEIR COVID-19 relief program, and even though I was already enrolled AND approved in XXXX XXXX  's program, the new company is not insuring that this would be approved, and they have been making the process extremely difficult. I feel that this is horribly unfair, considering that I was previously approved, no questions asked, and it is in no way MY fault that XXXX XXXX  decided to sell my mortgage to a smaller company. Due to my interactions with Midland Mortgage I do not feel as if my mortgage is being serviced properly, I also do not believe that they are equipped to handle the COVID crisis as well as a larger bank would, I feel as if my mortgage is in jeopardy.

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 2018-02-16
Company: TCF NATIONAL BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/XXXXI have notified this bank to stop all debits from this recurring XXXX fee, they did not. 
XX/XX/XXXX - I have notified this bank to stop all debits from credit matters, they did not. This is the direct result of my negative balance. Then they hit me with a monthly maintenance fee, which took another {$37.00} nsf fee..ridiculous. I also moved out of state and where deposits are hard to make since their system does not allow any kind of online payment/deposits. When I called customer services the representative could not help and I asked to speak with a manager and she says I am the manager and we do not reverse any kind of fees. And now my account is being closed and feel like I am a victim of bad business banking. I would like the 4 {$37.00} fees totaling {$140.00} refunded and I will pay the difference and they can close this account as I will never use this financial institution again for any services. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Paypal will not cancel my account. I canceled my XXXX account no issues due to moving out of the country. I tried to cancel paypal and they stated that I had an outstanding dispute with XXXX. I contacted XXXX who confirmed that I did not. I spoke to 5 different representatives at Paypal after getting their phone number after trying 5 times. They would not cancel and said I had to contact XXXX. XXXX said no, have to contact paypal but we can close out XXXX no problem. I want to close my paypal account but they are refusing do to so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-04
Company: CREDIT ACCEPTANCE CORPORATION
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In regards to CREDIT ACCEPTANCE CORP ( XXXX ) XXXX-XXXX  XXXX  XXXX XXXX, MI XXXX Everything here is false and misleading pursuant to 15 USC 1692e.

The information is violation of 15 USC 1692d

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 2021-03-26
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX  # XXXX, DEPT OF ED/XXXX # XXXX, XXXX XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Choice Recovery, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Choice Recovery Inc. 
XXXX XX/XX/2017 Has purposely done this on purpose. Because I challenged them and they never responded but still on my credit report a 609 fair credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: EQUIFAX, INC.
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:
Equifax has verified an item on my credit report. I have sent proof from the original creditor showing that showed a XXXX Balance. XXXX is a complete joke, that simply verifies items without a true investigation. This is a medical collection, so once the balance is paid it should get deleted immediately due to Hippa Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2020 Claim ID Total Amount of Claim Claim Type XXXX {$210.00} Fraud XXXX I received notice that my claim had been denied ( because I shop in the areas it happened, One was at XXXX and one at another store ) Im frustrated because who doesnt shop at there local XXXX XXXX I have also found a third transaction for a steak and shake that was not me. There was also a XXXX charge but the merchant has promised to resolve it ( still waiting ) Im currently being charged {$470.00} dollars in fees because of this. 

I also hold another account that the card was completely locked down on yet they allowed a XXXX dollar charge to go through and then charged me XXXX dollars in overdraft. 

I find it absolutely crazy that Im charged all these fees and Im the victim of my card being skimmed.

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 2018-04-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
False in formation is being published about me. I have requested the source of this information on multiple occasions. I continue to get correspondence back in the mail after a long period of time, but it is never what I have requested. It is almost like they are holding my information hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XX/XX/2020 {$1200.00}

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 2018-07-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Someone has opened an Bank Account at XXXX XXXX XXXX XXXX with my Social Security Number and used another name. I am still unable to apply for that bank until the issue gets resolved. In the mean time I attempted to view my credit report through XXXX XXXX, Experian, and XXXX. This is the message they gave me : " Your personal information doesn't match with credit bureau records. Please review your information for any possible errors. For security reasons, you'll also need to reenter your Social Security Number before continuing. Not sure what's wrong? You can find some tips on the right side of this page. '' I know that I do not have any credit as of right now. Why does my information not match? I checked my information several times to carefully to ensure I was not making a mistake and I continue to get the same results. Am I doing something wrong or is this the result of Identity Fraud?

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 2018-02-16
Company: ALLY FINANCIAL INC.
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have maintained Savings and several CD accounts at Ally Financial for ten years. In XX/XX/2017, without my request or authorization, someone at Ally changed the first name on my three bank accounts to a different first name ( same last name ). The name they used is not my name. The change was made unilaterally, without consulting me. I noted the error upon logging in to their website in XXXX of this year. I contacted their customer service department and explained the issue. I have now made three separate phone calls and followed up with four emails to Ally customer service. I have sent photocopies of three different forms of identification. The time I have devoted to this problem is now more than three hours. My most recent contact with the company ended when the customer service representative abruptly hung up on me.. I have repeatedly requested that someone from the company contact me and explain why the name on my account was changed. The company has still not changed the name on my accounts and no one from the company will explain to me how this happened.

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 2020-05-26
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection Agency Midland Credit Management recently sent a letter advising of ALLEGE debt with creditor XXXX. The letter listed a random account #, amount owed, date the account opened, andthe date the debt was charged of. As of now, I am disputing the validity of this debt and I am requesting that XXXX  XXXX, the creditor indicated on the letter send me viamail " REAL PROOF '' regarding this alleged debt. Also, Midland has NOT considered the STATUE OF LIMITATIONS which varies per state when they bought this account in 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted BOA on numerous occasions, by phone, email, and mail. I have also created numerous disputes online. My BOA account was sold to XXXX XXXX  XXXX in XXXX, my BOA account is still currently reporting to the credit bureaus incorrect information. In XX/XX/XXXX BOA showed a 30 day late, this account was not serviced by BOA in 2 years and the account hasn't been late in over a year. How BOA is showing a late is unknown. Also XXXX XXXX has since gone through and included all reporting of the mortgage since I originally  obtained the loan in XXXX. So I now have lates showing up on my credit from BOA in XX/XX/XXXX which isn't correct ( wasn't late ) but also have double reporting of negative lates in XX/XX/XXXX-XX/XX/XXXX. 

I have spent countless hours on the phone trying to resolve this issue, XXXX went through the account and provided an accurate report of lates as they are now servicing the account.

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