BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-11
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
PNC overcharged me in overdraft fees. I called and tried to get it resolved. I spoke with a Mr. XXXX XXXX who advised that it was a business decision no to reverse the fees. I told him I would leave and would not obtain my mortgage with PNC because of the poor service I received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-11
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection on my credit report by a company named XXXX   XXXX. This company has been notified of identity theft issue fraudulent charges and has been disputed and ruled in my favor that debt is not mine and should be removed completely from my credit report by both XXXX  and XXXX. This company has now placed derogatory XXXX 's on my account 3 different times for 3 different amounts and continues to add bad remarks everytime they are disputed and found to be fraudulent. This action to my credit has caused immense issues in my finances and has barred me from any use of my credit. This practice is criminal and needs to be dealt with swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX  XXXX XXXX and one of big 3 has broken state and federal laws concerning fraud on XXXX credit card from XXXX. The other 2 earased but XXXX  blocks me from getting on site even as paying customer. Then they have 6 hard inquiereys that they want take off. Also latee payments were not done by FAIR CREDIT REPORTING SECTION 604, 609, 611 AND 623. THESE FOREIGN WORKERS DO NOT DO ANY AMERICAN LAWS WHEN THEY FAKE PUTTING IN DISPUTES. I WANT XXXX FOR XXXX XXXX DOLLARS OFF ACCOUNT AND THEN THEY HAVE ME BEING LATE ON OTHER XXXX CARD AND NEVER LATE. 6 HARD INQUIEREYS WERE NEVER LOOKED AT. SO MANY ISSUES. EVERY BAD ISSUE SHOULD BE STRICKEN FROM MY FILE BECAUSE THAT IS LIKE 2 OTHERS THAT FOLLOW THE FCRA.

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 2023-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On unsaid date in the latter part of XXXX, Bank of America unexpectedly closed my account due to fraudulent activity. Said bank made it where I was unable to gain access to the account. I had pending direct deposit coming on XX/XX/2023. I have was expecting to have access to my funds to pay my mortgage. On XX/XX/2023 I spoke with a representative who stated she would make a request for me to walk into the bank and obtain the funds. On XX/XX/2023 spoke with another representative who stated that request had been denied stated the account was pending closure on XX/XX/2023. I have bills that are now past due and are in pending status of being terminated due to none payment. This information was relayed to Bank of America and was told it was nothing they could do about it. My issue is as fast as they made the account unavailable to me, they should have refunded me just as fast.

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 2023-08-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Wells Fargo checking and savings account were fraudulently accessed and drained. My card was not stolen. I was called by someone at Wells Fargo ( their phone number their name on caller id ), I was told my account was being illegally accessed and they were calling to put a stop to it, texted me codes to my cell phone to read back as Wells Fargo always does when verifying account information. After a while I asked for a manager as it was taking too long. I was hung up on and all my money was immediately drained from my accounts. I called back and was told this was a scam and was not in fact well Fargo so I reported fraud and in a week was told they would not refund my money. I got the case re-opened by speaking to the corporate office and was told this was fraud and that " this happens all the time do not to worry. '' A few days later the same person informed me weals Fargo was refueling too refund me and was told its was because it was a device takeover, I then was told its was because of what was purchased ( charges at XXXX, XXXX XXXX, USPS and an atm withdraw in XXXX XXXX, live in and was in XXXX XXXX XXXX at the time of this fraud ) then was told it was because I didn't report it right away ( I reported it immediately ). I have received no logical explanation as to why Wells Fargo does not protect and is refusing to refund money held in their accounts when this was clearly fraud. Total amount taken was {$4500.00}

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 monetary relief
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I just read about the Wells Fargo consumer mortgage settlement. In XX/XX/2013 I finally escaped the Pick-a-Pay mortgage nightmare by paying off the mortgage balance on a home at XXXX XXXX XXXX XXXX. XXXX in XXXX XXXX XXXX, XXXX, by borrowing the funds from my father. I was tricked into the Pick-a-Pay at last minute before closing by a team of XXXX employees XXXX before the Wells Fargo merger XXXX but was put through months of phone calls, letters, and incredible stress trying to rectify the situation. 
Please contact me with information on what is needed to pursue this complaint. I made the pay-off soon after XXXX XXXX, XXXX  by depositing a cashier 's check from XXXX XXXX  XXXX I closed out my checking and savings accounts at Wells Fargo soon thereafter. 

The insulting run-around I endured resulted in tears and extreme frustration as month after month, the amount of my mortgage payment climbed and no one at the bank would concede that the terms of the mortgage were changed without due process, ( my credit rating was sufficient to warrant the traditional mortgage interest rate I originally requested ).

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 2023-01-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I pay my mortgage through automatic-bank withdraw monthly. On XX/XX/2020, we paid additional extra {$2000.00} as principal through my bank. However, Roundpoint mortgage withhold my payment. Claimed and decide this {$2000.00} will pay for next month 's and payments after XXXX. They claimed I can only use their specific link to pay off the principal. No where in my statement has instruction on how to pay extra principals. I have right to decide what to do with the extra money. I did not instruct them to withhold my money and pay future interests or principal. 

XX/XX/2020 requested them to update my payment as extra principal. Roundpoint denied to my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$54.00}, XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I heard about wellsfargo not disbursing the correct funds or errors within their system for overdraft fees and I have not received correspondence about this and do not know if my account has been affected

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: GA
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:
XXXX / XXXX days late in XXXX XXXX, XXXX days late in XX/XX/2021, XX/XX/2021. 

XXXX XXXX Code XXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 sent a letter to transunion on XX/XX/2020 because of them not marking XXXX XXXX XXXX  item as disputed within 30 days, ITS A VIOLATION AND NEED TO BE DELETED BEFORE I CONSULT A ATTORNEY.

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 2020-01-11
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2020 I applied for the Barclays XXXX XXXX Red Aviator Mastercard. The initial credit limit applied to the card was {$2000.00} which was determined by their computer system. 

After learning of the low limit, I contacted the company and expressed my dissatisfaction. I was told that the amount issued was a preliminary assignment of credit and did not reflect the actual final credit limit that could be applied. I was told to call back when I received the physical card in hand and work with them to raise the limit. 

Upon receiving the card, I contacted Barclays on XX/XX/2020 and they indicated that they would need to pull another hard credit report to raise the limit despite having just pulled the full credit report on XX/XX/2020. I asked to speak with someone at a higher level. I was transferred to the credit department and I was forced to have another credit report pulled. 

I was told by the representative in the credit department that it was Barclays policy to pull another credit report despite the fact that one had just been pulled within the same or next week. I asked them to point to the policy in the " Important Information About your Credit Card Account '' document which outlines all of their policies and procedures as a card holder with all of the fine print. Barclays was unable to provide any such location or where that was located.

The representative indicated after review of my credit report he was unable to determine why the Barclays system only provided a {$2000.00} limit. Furthermore, he said that my credit report was of high value and quality and had no issues raising it to my requested dollar amount. He further stated that they use XXXX  as their reporting agency and the first pull from credit bureau showed a credit score of XXXX and with the second pull to raise the limit, XXXX. 

By requiring me to have a second report pulled within such a short amount of time, it can and has left a marked effect on my credit score.

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 2020-01-11
Company: Coinbase, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
During XXXX I used coinbase.com as a wallet for Bitcoin. I go through a ton of runaround and verification to access my account for the first time in years : my transaction history is completely blank and my wallet balance reads empty. To be fair I did have a bad habit of tipping people with BTC, so it's possible that I really did cash it out completely HOWEVER I absolutely did for fact make transactions with BTC via Coinbase and now they have hidden those transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: Equitable Acceptance Corp
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was fooled by a student loan debt relief scheme. 

I was falsely promised that they would lower or even eliminate my loans. I signed a contract and they started to charge me {$39.00} a month and about {$20.00} a month of interest. This was back in XXXX of 2017. I recently revisited my student loans, as it was time to re-evaluate my standing, and found out that none of these payments were towards my student loans and I was just paying a company called Equitable Acceptance this money. 

I researched and found out FTC has taken action against this company for these super misleading practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: LEXISNEXIS
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Lexis Nexis, XXXX and XXXX are not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. They are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). These agencies have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient is the worst company to ever exist. Website does not work. Do the people at customer service even work for navient??? They don't know anything about whats going on. Applied for a repayement plan and their website always says an error has occured.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
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 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 opened an investigation to dispute unverified collection accounts reporting on my credit report with the Experian credit bureau. I disputed XXXX XXXX ( account # XXXX ), XXXX XXXX ( account # XXXX ), and XXXX XXXX XXXX account # : XXXX ). I Mail a request for validation to the 3 collection agencies and received nothing from them. I also sent a second validation letter in XXXX and received nothing from the XXXX Collection. XX/XX/2020 I disputed the XXXX collections with Experian again because the account was deemed verified in XXXX and I receive nothing in the mail about the dispute results or the investigation being open. a second time I received nothing from experien in XXXX about the dispute results or that they even started an investigation and I received nothing from the 3 collection agencies after sending a second validation!. So how is it that Experian was able to verify these accounts? contacting the cfpb to see if they can get Experian to do a thorough investigation and remove the 3 collection account if they are not verified. Thanks

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 2023-08-14
Company: Experian Information Solutions Inc.
State: AL
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:
Victim of Identity Theft through XXXX Data breach. Want Fraudulent inquiries removed from credit report. 

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 2023-03-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation