BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The credit card company is XXXX and it was started in XX/XX/2017 and charged off XX/XX/2017. When i checked my credit report i noticed it was there. I never applied for this card and the social security number is wrong but it is showing up on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17
Company: Waterfall Revenue Group
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I began getting multiple phone calls on my cell phone on XXXX XXXX, XXXX and XXXX, XXXX as well as my wife 's cell phone asking for me. 
I did return the call and it is XXXX XXXX agency telling me they are trying to collect a debit from XXXX XXXX, XXXX. 
I have never received any notices regarding this in the past almost 5 years and they insist they have been sending them. 
They verified my address correctly and told me they would be reporting to the credit bureaus until I paid this debt. 
I have no information regarding what it is for. 
They said they would mail be something and they continue to call my cell phone today twice already. 
At this point, they are harrassing me and will not give me any information. 
Why have they not been bothering me in 5 years and starting now? 
I have had the same cell phone number since then and same address. 
I fear this is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: CL Holdings LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
jefferson capital system llc. XXXX XXXX XXXX XXXX XXXX mn XXXX ( XXXX ) XXXX has been sending me collection notices in the amount of {$300.00}, assigned date XX/XX/2019 the collection has been reported as past due balance. i do not know this company. i have never done business with this company. this company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Specialized Loan Servicing Holdings LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have faxed in two requests and mailed two separate letters to SLS regarding the removal of PMI from my account. I have not received any type of response. CFPB complaints seem to be the only want this company responds to basic service requests. 

No house in my neighborhood has sold for under {$230000.00} in the last 24 months. REMOVE PMI FROM THIS ACCOUNT. Run a brokers price opinion if needed - you will see the increased value and the recent sold him prices. 

Thank you,

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I went to go apply for a credit card and XXXX XXXXXXXX XXXX bank pulled my credit, also did XXXX XXXX bank. 
I went to apply got a car loan and XXXXXXXX XXXX XXXX XXXX XXXX pulled me credit

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 2021-09-10
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
Navient is falsifying information to still report on my account. The first delinquency from Navient was in XX/XX/XXXX. I have credit reports from XXXX supporting my claim. I was unemployed all of XXXX and returned to work in the summer of XXXX at a job paying half of what I made in XXXX. As a result, Navient 's claim that I caught up in XXXX is FALSE. Therefore, they should be made to prove that I caught up with my past due balance in XXXX by submitting other evidence payments. 

To further illustrate their deception, I spoke with a Navient executive who refused to review the evidence I provided, only to reply with, " our records are correct. '' It is unjust that Navient is allowed to report misinformation for their own benefit without providing substantial proof that their financial records are true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Experian Information Solutions Inc.
State: MA
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:
Credit card rejected because of Experian report Request experian report. Requests ID with link to upload page. 

Upload page does not specify any requirements upfront about images. 

Only after uploading XXXX, learn it not accepted. Only XXXX or PDF. 

Upload XXXX, learn of total 15mb file size requirement across all uploaded docs ( 2 uploaded ) I upload a compressed XXXX. Learn for first time only accepts black and white XXXX. 

I convert images to black and white. Still rejected. 

Unreal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20
Company: Avadyne Health Holdings, Inc
State: IA
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:
XXXX XXXX Hospital in Iowa sent a medical bill to XXXX XXXX XXXX XXXX, XXXX Illinois, for an unpaid medical debt for our son. The hospital sent the debt in my ex husbands name only since he is the insurance carrier, legally responsible for all medical debt for our children after XX/XX/XXXX in divorce decree and the grantor on the medical bill account. In prior years when we were married, we had accounts together through XXXX XXXX XXXX XXXX. When XXXX XXXX Hospital sent the account through to XXXX XXXX XXXX, the automatically attached my name to the account in collections. I never received a bill from XXXX in this account and never received a bill through XXXX XXXX XXXX on this account. I found that XXXX XXXX XXXX had done this when I checked my credit. When I spoke to XXXX XXXX XXXX XXXX they said they couldnt bill me because they didnt have my address or number but had tried communicating with the ex husband whom was sent to collections in the first place with no response. XXXX XXXX XXXX XXXX representative threatened to take me to court, said they did not want a copy of the divorce decree, talked over me in a hollaring voice, belittled me. The original creditor, XXXX XXXX Hospital did not send me to collections, never billed me for the services on XX/XX/XXXX but sent it to collections on XX/XX/XXXX due to a nonpayment on a bill my ex husband is legally responsible for paying. XXXX XXXX XXXX XXXX took it upon themselves to add my name to this collection account and put a derogatory mark on my credit when this account was not in my name in the first place when XXXX XXXX Hospital sent the account to them. XXXX XXXX XXXX XXXX has put a derogatory mark on my credit for an account that is not mine, threatened me, would not allow me to send evidence that the account was not mine, has not submitted proof that I owe the bill because the do not have my address and should not have my address since XXXX Hospital submitted the account on my ex husband and all of his information. We have been divorced since XX/XX/XXXX. XXXX Hospital is also working to remover my name from XXXX XXXX XXXX XXXX since they did not send my name on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
When I set up automatic payments for my lease on the XXXX XXXX website, I mistakenly entered XX/XX/XXXX as the end date ( which amounted to 24 months ) rather than XX/XX/XXXX ( which was the correct 36 months ). Then, after 24 months of perfect payments, my  automatic payments stopped, unknowing to me. Yes, my mistake, however, I was never notified that my payment was late until my credit service sent me an email saying something was up with my credit score. Despite receiving several emails per month from XXXX XXXX, including payment confirmations, I never received an email that my payment was late. I only learned this when my near perfect credit score had dropped 110 points. I contacted XXXX XXXX and after two rounds of explaining this situation and stating that it was an obvious mistake and more importantly that I was never notified that my payment was late, they denied my request to fix the credit reporting. 
In an early call with the CSR, the CSR pointed out that this happens all the time. She said that the payment scheduling system was often misunderstood by customers and that payments were often missed due to mistakes. 
In my last call on the phone with XXXX XXXX, the CSR explained to me that XXXX had no obligation to notify me whatsoever and he said that even statements were a courtesy. He said it was solely my responsibility to see if the money had left my account each month. Period. 
Firstly, it seems the entire online payment system at XXXX is set up to make the customer fail. The system is confusing and difficult to understand. Rather than simply providing payment information and having payments automatically paid from my account, it requires that you select the number of payments you wish to make into the future. The CSR already admitted that this trips people up she also said that people quite often make too many payments! 
More importantly, if I am signed up for online automatic payments, doesnt XXXX not have an obligation to send me a late notice if a payment is not received so that I can correct the problem before I learn it from my credit agency? I would think so. It would be unreasonable to expect otherwise. 
These two issues coupled together create a high likelihood of mistakes made by the customer, yet they do not acknowledge this. 
Please assist. The consequences of this on my credit score are far more impacting than deserved. 
Attached is a snapshot of my email inbox showing that XXXX notifies me about plenty of things but never sent me a notice that my payment was due or late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-22
Company: Residential Bancorp
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXXof last year I was offered a FHA HAMP 3 month trial starting XX/XX/XXXX. I signed the trail agreement and paid every month. I was told over the phone XX/XX/XXXX that I was approved for the permanent modification and that the paperwork was backlogged and to continue making payments, which I have every month. 

The only written communication I've received from them until today, besides monthly statements, was just two days ago, a notice that I did not qualify for the repayment plan. Today I received a notice of trustee sale with an auction date. I called the company immediately and was told there was nothing they could do as the file had already been given to the lawyer. 

They contend that they attempted to contact me via phone. Though I've given them the correct phone number several times this year they apparently called my wife 's phone number, which was no longer in service after XX/XX/XXXX due to changing providers. They never requested additional information from me in writing, either by mail or via email, which they had always done in the past. They did not notify me in writing that I did not qualify for the the permeant HAMP modification. 

Further, they close at XXXX in my time zone, with hold times over 45 minutes. They do not call back when I'm disconnected. I've been trying to get through to them for the past three days and it's very difficult since they're only open on my work days.

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 2017-11-28
Company: Bliksum, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi I live in XXXX XXXX California at a company called XXXX is advertising 100 % financing on purchasing a home the down payment will be from a personal loan up to {$100000.00} that they lend you plus the mortgage which is 100 % financing is that still legal I thought those loans were not legal anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: EQUIFAX, INC.
State: WV
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:
On XX/XX/2020 a hard inquiry appeared on my Equifax credit report that I did not authorize. I contacted Equifax, who informed me to file a complaint with the FTC. This was a fraudulent inquiry. I absolutely did not apply for credit with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX from my PNC account I sent XXXX an amount of {$1900.00} through XXXX  XXXX. She then transferred it to her bank ( XXXX  ), where it sat for 2 weeks. Then PNC pulled it out of her account on XX/XX/XXXX without consent from me or the other authorized user on the PNC account. It was deposited back into the PNC account for roughly 2 hours then pulled back out. Now the money is no where to be found. We have been up to PNC and XXXX  bank multiple times and no one can help. XXXX  XXXX  has been made aware of the situation and sent over paperwork that shows the money is not with them. PNC provided a XXXX Trace number XXXX. We provided this number to XXXX  bank and they have made us aware that they do not have the money and that trace number is not attached to any amount of money. Before providing the trace number PNC told us that the money was in a median. Please help with this matter, this has been going on for over 4 months. We have already put in previous complaint and it has gotten us no where with this situation. The only thing we have now been told is the money was sent to XXXX XXXX which the sender or receiver of this money, DO NOT bank there. We have even went to XXXX XXXX to try and see what's going on even though we DO NOT bank there in hopes someone could help because no one is returning my call and only emailing that we need to call, which we have and just get a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: BARCLAYS BANK DELAWARE
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
My card was stolen and used I notify the credit card company as soon as I realized what it happened and we started the process it's been a back-and-forth but I have sent the filled out paperwork to them multiple times at this point in each time they come up with a different excuse why they can't help they have a legal obligation to investigate and remove the fraudulent charges from my account they have failed to do that in violation of the law

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 2019-04-15
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I called regions banking filled s complaint on my account of fraud. To my debit account and the closed the account and sent me a new visa depot card. I had to close my XXXX Visa card as well because I was sent an email where they asked for my information and it was fraud which I gave out. There were two charges by wow airlines on my regions account on XX/XX/XXXX for XXXX and one for XXXX. I filled s complain of fraud with regions and they said they denied the claim. I went on to the web sight of wow and I see they went out of business so is that fair I lose my money cause those charges were made? I dont think that is fair that. Someone can get into my account and I lose my money.

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 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
i sent a letter to XXXX/XXXX XXXX XXXX dated XX/XX/2018 they never responded so i done more and more research how to go about information being reported incorrectly. They are saying i have a account in collections. This is false i've sent them multiple letters 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 2018-03-20
Company: Experian Information Solutions Inc.
State: KS
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:
XXXX XXXX continues to report inaccurate information on my credit report with XXXX, Experian and XXXX without sending in proper documentation as proof that the account is in fact my debt. This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.

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 2019-04-15
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
There were 3 x fraudulent transactions on my credit card. On XXXX XX/XX/2015 there were two amounts of XXXXaed taken from my Citi bak credit card. I have raised this fraudulent activity with the bank and they have not conducted investigations or refunded the money to me. I suspect these are fraudulent transactions.

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 2019-04-15
Company: MoneyLion Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX moneylion emailed me saying I'll get {$20.00} if I sign up for their plus product, but I already signed up for it, and every time I respond asking for the {$20.00} they say they have no idea what I'm talking about or I should be getting it soon. I was referred by XXXX and based on that should be getting the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I can not use my checking account and every time I call customer service they say my account is handled by a different department. For the last 4 monthes I am not able to reach that department and that department does not communicate with me so I can understand why I hve limited access to my account.

Company response to consumer: Closed with explanation