BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-26
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am trying to link my bank account with XXXX and XXXX on XX/XX/20. Both use XXXX   and I have spoken with a PNC rep but they explained why they wont allow XXXX to link to my bank account. And suggested I reach out the the companies to have it linked because they said all they need is my number on file to alert me of suspicious activity. I spoke with both XXXX  and XXXX  and they said they cant do anything unless PNC gives me permission. Obviously PNC wont allow me to link my account. I just wish I had more autonomy over MY information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I logged into my credit report to check the status of my credit to begin preparing to buy a new house for my family this year since we are XXXX  XXXX. I realized there is a fraudulent account on my report with XXXX  and Transunion whereas XXXX  has already deleted the fraudulent item. I mailed a certified letter with proof of my identity and the affidavit as instructed. XXXX  shows this tracking number XXXX being delivered on XX/XX/2020 and Transunion shows this tracking number XXXX being delivered on XX/XX/2020. I spent {$35.00} to mail these off urgently to rectify my credit. It is now XX/XX/2020 and I just logged into my credit report and the fraudulent items are still there. I am now filing a complaint as it has been more than 30 business days since each bureau received the dispute letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: MOHELA
State: MO
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:
A credit repair firm sent multiple dispute letters addressing a MOHELA account on my XXXX  report. This account is listed with a {$0.00} balance but is still being reported as an active late payment account.

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: GreenSky, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
GreenSky Finance Company is knowingly trying to collect on a loan that is the result of identity theft committed against me. My wife applied for a home improvement loan and was turned down. Her maiden name is XXXX or the same last name used when my good credit and Social Security number was used for obtain a loan fraudulently. I don't know the specifics but what is absolutely 100 % true is that a loan was done with my social security number without my permission and without my knowledge. Due to the fact that my name or XXXX XXXX is unusual either the finance company or the sales person used my wife 's maiden name so that the identity theft would not become apparent to myself or others for as long as possible or never at all. I've enclosed the letter that was sent to me after the finance company was given my a police report and information about how 4 counts of identity theft was committed against me in the last 2 years ( as I proved to them ). I told them that threatening to ruin my credit if I didn't pay an identity theft loan was legal extortion or putting a XXXX to my head and making me pay on an identity theft loan earlier today or on XXXX, there response was to text me and threaten to ruin my credit!! They used information I gave to them about how my financial future depends on good credit and about having a family to feed and XXXX wife and they used it against me!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: WELLS FARGO & COMPANY
State: CA
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:
In XX/XX/XXXX, I established a banking relationship with Wells Fargo ; my opening account balance was {$50000.00}. Upon visiting a local branch in XX/XX/XXXX, a customer service representative told me that they were having a special promotion on their XXXX credit card and invited me to apply. My account balance at that time was {$82000.00}. The customer service representative paraphrased the credit card agreement, told me that my credit score was just shy of XXXX and had me sign on the screen I never received a signed copy of the agreement. 

My first credit card statement indicates that the Cash Advance APR was 23.99 % and the APR for Purchases was 0 % ; my total credit limit was {$6000.00}. I used the credit card minimally for quite some time before I started carrying a Purchase balance. I ALWAYS paid on time. In XX/XX/XXXX, I received a letter from Wells Fargo stating that I may qualify for an increased credit limit of {$7500.00}. A similar letter was received in XX/XX/XXXX, stating that I may qualify for an increased credit limit of {$8000.00}. 

What is absolutely infuriating is that, despite my pristine payment history ( currently my credit score is approximately XXXX ), I am being charged a 25.24 % APR. I will mention, at this point, that I am XXXX XXXX. 

On XX/XX/XXXX, I called Wells Fargo and spoke with several Customer Care agents only to be told that there is nothing that they could do to lower my interest rate. Curiously, all of the agents that I spoke with offered me a special interest rate on new purchases I declined. Equally ridiculous is that the following day I received a call from a Customer Care agent located in XXXX XXXX executive office only to have them recite the exact same spiel and confirm that there is nothing that they can do to reduce my interest rate. I am raising this issue to determine whether this is a case of Wells Fargo steering certain demographic groups to higher interest rates.

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 2020-12-18
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Active foreclosure, when all all foreclosure activities were suppose to be suspended until XX/XX/2020. Wells Fargo continues to operate outside of all state or executive mandated moritoriums with very if any regards to the consumer. Wells fargo behavior in this particular case is well document with lies and mistrust again. Loan 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 explanation
Consumer complaint received 2019-05-16
Company: Exeter Finance Corp.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get behind on my payments due to lack of work and repairing the vehicle. I already paid the initial price for the car, {$16000.00}, and Exeter finance always call and harrass me..they disrespects me and threatened me to take my car ... interest rate is high and they won't refinance my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My identity was stolen in XXXX of this year. The identity thief tried to set up an account with XXXX on XX/XX/XXXX. This resulted in a hard inquiry on my credit report with Trans Union.  After many attempts to dispute it, I was advised to obtain a " Letter of Deletion '' from XXXX and forward it to Trans Union so that the fraudulent inquiry could be removed from my credit report. 

Then came many phone calls to XXXX and getting the runaround. Finally I was advised to send all identifying information, social security number, drivers license, police report and various other documents to their address in XXXX, NM, which I did on XX/XX/XXXX. Their response was to dispute any errors with the credit reporting agency. 

On XX/XX/XXXX I spoke with their agent, XXXX, at their XXXX phone number, who advised me to send all the information to their legal department in XXXX, WA. I did so on XX/XX/XXXX. I receive the same ridiculous response! 

In my final letter to both addresses on XX/XX/XXXX, I again explained the situation including attention to a XXXX XXXX at the NM address. As of today 's date, XX/XX/XXXX, not even a response!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have a contract to install 320 yards of carpet in a customers home. They gave me a check for XXXX I deposited the check in a branch atm. The receipt stated the check has an error. I called right away. The atm customer service rep stated that I make large deposits all the time and I shouldnt have any issues. Today I brought the contract into the branch where I made the deposit. Now the funds wont be released until XX/XX/18. My customer called XXXX and they already released the funds overnight. The customer, wanted carpet for XXXX. I need your assistance or I wont do business with this bank anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
A credit repair firm sent multiple dispute letters addressing a XXXX account on my TransUnion report. This account is listed with a {$0.00} balance but is still being reported as an active late payment 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 explanation
Consumer complaint received 2019-05-16
Company: EQUIFAX, 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:
an auto loan is reporting under my equifax credit reporting agency, this is an inaccurate information, this does not belong to me, l please help me in this situation, since i have already obtained a police report, and the FTC report, i have been providing these documents to equifax for several times but they have not been helpful at all. as a consumer i am turning my wheels towards you and i need your help, please find attached the same documents and you will see for yourselves thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: AMERICAN EXPRESS COMPANY
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:
In response to my previous complaint Amex falsely claimed that is duplicate without providing any reference to the purported original complaint. 
I have dispute false account XXXX directly with Amex but did not receive any response. I have no knowledge of this accouny, please investigate and delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage on XX/XX/XXXX. 

I have been going back and forth with my mortgage company ( Franklin American Mortgage Co. ) to  release my lien ASAP. 

It has been exactly 60 days today and it has yet to be released. 

It is my understanding that Franklin American is in violation of our state statute 76-2803 which requires liens to be released with 60 days of payment or 30 day so of request and could be subject to a {$5000.00} fine or actual damages whichever is greatest. 

This whole ordeal has put me behind on all my other real estate transactions. Franklin release the documents on XX/XX/XXXX to all responsible parties, but NOT to designated trustee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax casually added fraud alert to my account without my consent, as I have never requested it. 
I have contacted Equifax countless times to REMOVE the fraud alert, CS claim it was removed several times as well, yet on XX/XX/XXXX, I still received letter that they have ADDED the fraud alert. Even though I have asked to REMOVE it. 

XX/XX/XXXX Called Equifax, spoke with supervisor XXXX, badge XXXX, he claims he does not have a boss. He said he need to release the line and hung up on me. I am unable to call back, maybe they have blacklisted my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Dating back 3 years when i stopped attending the University XXXX XXXX because trouble of funding to actually attend their classes. It wasn't until earlier this year I found out XXXX was found guilty by the department of educations of fraudulent loans. My question here today is I get emails about still making payments when i keep delaying because i am currently not enrolled in school.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My complaint is against PayPal , Inc . The complaint is that the online Activity view of my transactions is incomplete and does not reconcile to the Statement that can be downloaded after the end of the period, in this case, the month of XX/XX/2020. 

To clarify, I was paid for a transaction that is shown in my online Activity view of transactions. The problem is that there is no record in my online Activity view that the transaction was refunded. The complete record is only available by downloading the statement. 

The details. I agreed to refund a buyer via a Resolution Center dispute. The money was removed from my my PayPal balance without any update being recorded in my online Activity view of transactions. The original transaction does not show refunded, and there is no evidence in my online Activity view of transactions that the transaction was ever refunded. 

In short, the Statement download shows the money going out of my account, but it does not reconcile it to the original transaction ; and in any case, the online Activity view does not reconcile to my Statement download.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Experian Information Solutions Inc.
State: WI
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:
On XX/XX/XXXX, Experian reported XXXX XXXX XXXX will continue on record until XX/XX/XXXX. On XX/XX/XXXX, XXXX shows Experian reported XXXX XXXX XXXX will continue on record until XX/XX/XXXX. The payment history shows a payment in XX/XX/XXXX and XX/XX/XXXX. This is the inaccuracies I've been disputing for a couple years. There had not been any changes. I've even sent Experian a copy of XXXX  deletion of XXXX XXXX XXXX due to the inaccuracies. Finally, I sent a copy of XXXX  to Experian to show more inaccuracies. XXXX  date of first delinquency XX/XX/XXXX. Experian still verified everything reported was correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
2 months ago capital one started servicing my cabelas credit card. I would log in to my capital one account to make payment on all my cards, for I have 2 other cards with capital one. I would log in and the system would read I am at XXXX balance on all my accounts. A couple of days ago I get a weird email, it say I am past due 2 payments and to call to make account in good standing. I called the lady was very nice and admitted that my cabelas card was not on the portal and I had to add the card to the account. I said I had no Idea about that, she said she understood and took back the late fees and made the account good. I then noticed today my credit took a huge hit and dropped a 100 points due to no payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
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:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report which also prompted me to contact the police and ftc. These items need to be deleted from my credit report. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Siggi LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: JPMORGAN CHASE & CO.
State: TX
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:
Account Name : XXXX XXXX Last four of account : ... XXXX For nearly a year Chase  Cards has been charging my account that has had tremendous effect on my credit report. They have continue to put excessive fees on my account which they claim is legitimately mine. However I have repeatedly told them this was paid off nearly 9 month ago. The remaining fees are all the excessive fees put in by Chase to an account that was paid off. I have attempted 2 other times to report Chase but every outcome has been conveniently in their favor. Attach are portions of the last 5 statements of the excessive fees to an account that has been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: JPMORGAN CHASE & CO.
State: AZ
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:
I have attached a PDF file including details surrounding my dispute. I have put many many many hours into disputing these charges. I have had not resolution, & I gave up. But, I'm asking you, the CFPB for help, because I was advised to by a person in my exact same situation, we both got ripped off by the same company, & we both had trouble getting out money back. They said they got refunded with CFPB help. Thank you.

Company response to consumer: Closed with explanation