BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-30
Company: U.S. BANCORP
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Currently have a high balance on our credit card and are struggling to make the minimum payments every month. We have noticed that the interest on our statement every month is more than half of the minimum payment that we are paying. I have reached out to the credit union regarding this matter of lowering the payment since they were the ones that originally issued the card to us, and they informed me to call the card company itself. 

After calling the credit card company they told me that they can not do anything and that I should reach out to the credit union. Spoke with XXXX at XXXX XXXX XXXX on XXXX XXXX, 2017 and he just gave me the run around that he could not really help us at this time. We have always made the minimum payments on time, but with my husband going through XXXX treatment and medical expenses racking up along with student loan expenses and we are having severe issues with our home in CT, I am just looking for something that will lower the interest rate on this card so that our monthly payments could hopefully start making a dent in the balance.

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 2017-12-27
Company: CL Holdings LLC
State: PA
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:
XXXX XXXX XXXX has been reporting a {$2000.00} collection account on my credit report. I have never had any business with XXXX XXXX. I realize this is a debt collection company. As such, numerous times I have requested validation of this debt. I have been told that they are not required to provide debt validation, which I know to be a lie. I have disputed this transaction several times on my credit report through XXXX. It was removed once and then the company reported it again. XXXX has not been helpful in having this item removed from my credit. I have sent them verification of a certified letter I sent XXXX XXXX requesting validation of the debt, or to have it removed from my report. Yet I 've received no response from XXXX XXXX. I do n't even know which company this alleged debt originated with. I believe at this time that this should be removed from my credit report as they have frequently broken the rules of FDCPA by refusing to send me any verification that this debt is valid and that they own this debt. I have no direct contract with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My Home Loan is with Caliber Homes and it is listed under XXXX XXXX estate. I had to file bankruptcy because I was under financial strain because of everything in the home needed fixing and I am on a fixed income. Caliber had given me a loan modification during the time I filed bankruptcy. My bankruptcy attorney had to get a document signed by the court accepting the loan modification and it took him 2 years to do this. Once the paper was signed the attorney stated that the mortgage company did not want to work with me any longer and the company wanted to file a stay. Next, the mortgage company stated that the would do a new modification including all the areas. Now I am submitting papers for the 3rd time starting all over again. The company is asking for documents that they already had in the system. I am having a hard time with this mortgage company and I am getting of trying to fight for this home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have 2 items listed in my credit reports from " Credit Bureau Systems '' trying to collect medical debt. I sent them a letter XX/XX/2021, asking them for proof this debt belongs to me and they sent me medical records as their proof on XX/XX/2021. They did not provide me a signed contract of any kind but most importantly they did not provide a signed HIPPA release form for them to even be in possession of detailed medical records. No one can be in possession of medical records without explicit permission from the patient by way of a signed HIPPA release form including 3rd party collection agencies. They have violated HIPPA laws. So immediately after I received their letter I disputed with all the credit bureaus sending them a copy of what Credit Bureau Systems sent to me only to have it come back that it " meets FCRA Requirements ''. It most certainly does not. I also wrote to Credit Bureau Systems informing them of their HIPPA violation and request they stop reporting these collections on my credit reports but they have not responded and are still ILLEGALLY reporting on my credit reports. Violating HIPPA laws is a serious legal violation. One in which I can sue both the collection agency and the credit bureaus for violating. I don't want to have to take it that far but will. I'd like to get it resolved and be done with it. I came to your website today and looked up how to make a complaint and I looked up Credit Bureau Systems and I found out Credit Bureau Systems has a past history of violating HIPPA laws. They are known for doing this and action against them needs to be taken. I definitely want this published by CFPB so that others who are having their HIPPA rights violated by this crooked company will be able to see and hopefully use this and other complaints against Credit Bureau Systems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: EQUIFAX, INC.
State: LA
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 and XXXX are reporting incorrectly that I am 60 days past due on XXXX XXXX partial account numbers XXXX. ( Please see pages 8 and 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-30
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I am attaching a letter my wife and I sent to Equifax on XX/XX/XXXX, asking them to investigate errors on our credit report. My wife has received a response to the letter regarding her accounts, but I have not received any response yet. More than 30 days have past, and they are supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Ok first off I was never welcome into the branch managers office the first visit. I was told I could view a copy of what was acceptable but that 's it only a offer. Further more I did not go to another pnc branch that day nor any other day. This clearly shows fault into your investigation that I believe never really took place. I was very much so discriminated against even brought to tears due to your branch manager or vice president of that branchs harsh judgement and humiliation felt in front of my child. I never lost my temper inside branch location only briefly while talking over phone with your customer service rep. This has not resolved our dispute in no way since I had to read your final report here and the letter you mailed me with check for XXXX $ only said sincerely with no kind of remorse or apology. Upon reading this I want PNC to know im taking my newly found inheritance wealth of at least {$190000.00} and will use a large portion to seek council in order to not only make PNC take responsibility but also now because you blatantly right out lied on me in order to make me out to be the one in the wrong. Further more how can a XXXX 's gift card with my name on it Trump a  employee issued ID from XXXX XXXX. It cant PNC is at fault here and unless you resolve this issue very quickly in the amount no less then {$10000.00} for my daughter and I pain and suffering needlessly inflicted by your leadership members located at the XXXX branch. I will have no other choice but to continue forward with all proceedings. I hope for PNC state you take heed to my demands for this is not a threat but a promise. Today marks the day PNC thought they could mistreat abuse and under estimate a once potential customer but we 're showed in the wrong. My case is strong and my words hold truth. PNC on the other hand lies repeatedly only to deceive themselves into the snares they opened. I pray you make the right decisions and believe the words I have spoken to you on this day for my attorneys will not be as forgiven. Oh and I 'm not cashing your insult to injury {$10.00} check the envelope along with one word letter and check have been filed on my behalf to show the incompetent PNC and failed attempt at bringing this issue to a close. See you in court if I do not hear your response in a way that rings Justice has been served to my satisfaction. Oh and the branch manager you blindly place trust in should not be allowed to work in such a position to place judgements on people making their life burden while that person is dealing with the loss of a love one. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: JPMORGAN CHASE & CO.
State: TN
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:
chase bank keeps allowing someone to try opening charge accounts in my name. I have tried contacting but the number is not a working number I think identity theft is the problem someone has tried opening accounts 8 times with chase bank as recently as XXXX XXXX XXXX and about every month or so since XXXX a police report has been filed in XXXX at the XXXX police department I would like this removed from my report I have sent copies to the bureaus but not taken care of. XXXX fixed it but not XXXX or XXXX seems to ignore the request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2017-09-13
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 fraud alerts or security freezes

Complaint:
All webpages referenced in this complaint will be cited in this fashion : ( XXXX ), ( XXXX ), ( XXXX ). The corresponding XXXX links for each webpage will be provided at the bottom of this complaint. 

On XXXX XXXX, XXXX the credit reporting agency TransUnion altered their website in order to implement predatory sales tactics. In the wake of the Equifax information breach, TransUnion has significantly altered their page regarding information on credit freezes. The initial page ( XXXX ) provides detailed information on the nature and scope of a credit freeze ; not once mentioning any product or service provided by TransUnion. As of XXXX XXXX, XXXX the information on this webpage has changed drastically. The current webpage ( XXXX ), in step XXXX, explicitly offers a TransUnion service as a part of " locking '' your credit file. The information on TransUnion 's service is listed higher and is more prominently displayed than the information on credit freezes. The intial page ( XXXX ) was a detailed, effective explanation on credit freezes. The new page ( XXXX ) leaves credit freezing as a footnote at the bottom of the page. This is in spite of the fact that the new page remains titled " place-credit-freeze '' in the URL. 

Under the current minuscule information section on credit freezes, there is an XXXX link. That link takes you to this page ( XXXX ). This page SHOULD provide detailed information on the advantages and disadvantages of credit freezing, much like the initial page ( XXXX ) once provided. Instead, this webpage ( XXXX XXXX attempts to weigh the pros and cons of " locking '' and freezing, providing another opportunity for TransUnion to offer their credit " locking '' service. Finally, the most egregious section of this complaint comes from the table of comparison seen in the middle of the webpage ( XXXX ). This table could not be more obvious in its bias. It is an explicit attempt to sway unwitting consumers away from credit freezing and towards the service offered by TransUnion. In XXXX bullet points, the table proclaims that freezing your credit will cause you to pay fees, wait for your information, and lose control of access to your credit information. In that very same table, TransUnion proclaims that " locking '' your credit will be instant, independent, free, and online. The juxtaposition of these explanations is stark. Freezing is bad, " locking '' is good. Considering the massive identity theft potential of the Equifax data breach, and subsequently the current seriousness of a credit freeze, I find this behavior to be despicable. 


Cited Webpages ( XXXX XXXX https : XXXX : //XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-30
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On Friday XX/XX/17, I received an alert from the credit bureau 's that I have a collection on my credit bureau from a XXXX XXXX. I not only did not receive any written notice of this debt, but was never given the opportunity to validate this debt. I contacted Midland Funding and was not able to have them validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-27
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:
Due to the EQUIFAX data breach in XX/XX/XXXX, a fraudulent credit card was opened using my name and SSN with a bank called XXXX XXXX XXXX.
I reported the the incident onXX/XX/XXXXto XXXX XXXX XXXX, EQUIFAX, XXXX, and XXXX.
XXXX XXXX XXXX closed the fraudulent credit card. XXXX and XXXX investigated and removed the fraudulent account.
On XX/XX/XXXXEQUIFAX sent me an email saying said they closed the investigation. I called Equifax and they did NOT REMOVE the fraudulent credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
PayPal has inexplicably " restricted '' my account and can no longer " do business '' with them without any reason provided to me other than " Some of your products or services are in violation of the PayPal Acceptable Use Policy. As a result, you can no longer do business with PayPal. '' To start off, I do not sell products nor services. I have sent emails to PayPal asking for explanation as to why my account has been banned and they have not responded. The only thing I can think of is that they are punishing me for initiating a chargeback through my credit card company earlier this year when PayPal sided with a seller who scammed me out of approximately {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
on XX/XX/2021 XXXX XXXX XXXX reported an unauthorized inquiry to transunion and XXXX. i didnt receive any service or good or give permission to report. 
i submitted a FTC report and sent it to both credit reporting agencies and XXXX XXXX XXXX on XX/XX/2021. no 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 2020-02-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Convergent Resources, 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 reached out to XXXX after finding a fraudulent account from Convergent Outsourcing. They haven't removed it even though I told them about it on XX/XX/2021 and again on XX/XX/2021. I am being harrassed illegaly by Convergent and I want this to stop. This has not only damaged my financial character, but is causing unnecessary 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 2021-11-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I'm a client banking with chase and have been recently involved in bank/check fraud. This was my first time working with this new customer and as a first time transaction I require payments upfront, and then ship the product to them. 
The customer submitted a fraudulent check via Chase Bank located in XXXX XXXX XXXX XXXX XXXX, IL XXXX in the sum of {$12000.00} with a XXXX  XXXX XXXX check, address located on XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX. I had called Chase Customer Service on XX/XX/2021 at XXXX XXXX  PST to be reassured that once a check clears into my account the funds can not be retracted which is very misleading, because of a false sense of reassurance I shipped the goods to the consumer. I am also requesting a copy of this recorded call as it shows how I was mislead through Chase 's Customer Service Team. The next day on XX/XX/2021 I check and see that the amount of {$12000.00} has been retracted out of my account because it was a Altered/Fictitious check. I called my local Chase Branch and they had informed me that a check can be retracted in the time frame of up to 3 years, which is the complete opposite of what I was told with Customer Service.

Company response to consumer: Closed with explanation