BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-30
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: Their investigation did not fix an error on your report

Complaint:
I have an account on my file from the XXXX XXXX XXXX. ( Account number XXXX ) I disputed this account for being outside of the 7 year federal obsolescence period for remaining on the file. The bureaus removed it. 

One month later the account came back on my file. XXXX XXXX changed the data on the account to put it back into the obsolescence period ... but didn't count on the fact that I have copied the way the account looked on the bureaus before and after it was removed. 
I have attached two copies of how this account appeared on my file. In XXXX, you can clearly see that the last payment ( the date used to determine the obsolescence time period ) shows as XXXX of XXXX. Since the credit bureau industry uses 6 years and 9 months instead of 7 years ( to assure they remain in compliance XXXX, it was properly removed. 

But XXXX XXXX then CHANGED the data on the account. They removed the last payment date entirely and then deleted all historical payment date prior to XXXX. Thus giving a new obsolescence date. 

Now the FCRA provides two levels of non-compliance. 1 ) Negligent Non-Compliance where someone just makes a mistake. 2 ) Willful Non-Compliance where someone manipulates data to trick the system. The second non-compliance holds that a consumer make seek damages. 

It is clear that the XXXX XXXX XXXX is manipulating data to put items BACK on consumers files in violation of federal law. This should be a class action lawsuit as I am sure this is happening to any of their customers whose collections are removed for obsolescence reasons.

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 2018-11-08
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Overdraft fee occurred while my account was in positive standing. Generally, when my account goes into negative, I can see it that day and bring it to a positive standing in the same day IF the deposits are made before XXXX. This time, my account was in the positive on XX/XX/XXXX, but an overdraft fee was applied to my account on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-12
Company: P&B Capital Group, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I lost my employment in XX/XX/XXXX ( at that time I was XXXX  years of age ), thus, I started Social Security at that time. I used all of my savings to supplement my Social Security in order continue to pay my bills and necessities. When it was obvious that I was running out of savings ( in XX/XX/XXXX ), I started a debt management service in an effort to pay all remaining debts. XXXX XXXX  was the holder of 2 of my accounts ( XXXX and XXXX ). Both of these accounts were placed in my debt management program. Through the service, some of my credit card accounts have been paid in full, XXXX is one of those accounts. However, last month a collections notification was placed on my credit report from XXXX XXXX XXXX for the XXXX account. XXXX XXXX was contacted, who then told me that I needed to contact XXXX XXXX XXXX, who then told me that I needed to contact P & B Capital Group, who then told me that I needed to contact XXXX XXXX ... as you can see the tail chasing began to go on and on. Best that I can assume is that the amount still owing is for XXXX, but no one at XXXX XXXX XXXX ( indicated on the credit report ), XXXX XXXX XXXX or P & B Capital were able to give me specific information, yet they were able to place a collections notification in XX/XX/XXXX for an account that was actually paid in full in XX/XX/XXXX. Please note that P & B Capital continue to receive payments for the XXXX account from the debt management service each month and is scheduled to be paid in full in XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-21
Company: United Debt Counselors, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX sent me a misleading solicitation letter. It was designed to give me the impression that I would be subject to interest accruing on my credit card debt at an unreasonable rate, and, in addition, penalties. The letter insinuated that this was due to **Failure to Call**

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX XXXX was set up by my then husband for during my Life-Time, till upon my death. Then the Trust would be divided equally into 3 Charities. 

On XX/XX/XXXX I had received a letter from the Assistant Vice President, Fiduciary Advisor stating the Life Time Trust on XX/XX/XXXX terminate/exhaust with a partial payment at the end of the month. This giving me not much more than 6 months to find out how and what has happened during the years that the Trust was handled for again this was a Life Time Trust. 

The PNC XXXX XXXX handle the XXXX. I have called numerous XXXX, XXXX, sent letters to XXXX, XXXX and Government agencies, waiting as of this moment for replies back for guidance to handle this situation. 

Also I had contacted PNC Asset Management nothing had or makes since. Called one of the Charities with no answers. At this point after a few calls now if I would like I was asked if I would like to speak to their attorney. 

PNC has opened a Irrevocable XXXX XXXX XXXX without my knowledge or consent the effective date of the statement on my personal account it was XX/XX/XXXX. Since then month after month statements keep appearing on my Personal Banking Account. How can anyone open a account without your knowledge, then keep adding statements of past years. 

Each month since the letter from XX/XX/XXXX that the Trust will exhaust in XX/XX/XXXX I have been receiving statements in the mail as well of how the funds are invested and the balance of the account. 

During the past 20 years I have not received one statement, no communication From PNC stating any transactions or that the Trust would exhaust. There were no communication at all. The only paperwork that I did receive was the XXXX end of the year form and the Remittance Form of Deposit of the monthly income. 

I have been trying to resolve this issue. I am seeking guidance in this matter if possible. This is my life income and now somehow it is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Adler Wallach & Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent this company numerous documents to show that I was a victim of identity fraud and that these account do not belong to me I live in Ga and this hospital is in florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigations results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Wells Fargo bank a savings account and checking account i have multiple direct deposits going into each account. My problem is this every single time i attempt yo use my debit card with this company the transaction is declined i then have to step out of line ask cashier to hold my order or items while i go through the entire process of calling Wells Fargo answering a bunch of identifying w was yestiond then have to answer a slew of question about my recent transactions. Now mind you all a supposed their would have to do is listen to the teller on phone and every transaction she or he asks XXXX or her about they would just have to say yes i made this transaction do its really a stupid  procedure anyways. But the even worse part of the whole ordeal is Wells Fargo charges you for the declined charges in multiple quantities for instance i was dhopping at XXXX in XXXX and ended up swiping my debit card seven plus times each of those times i was declined even though i actually had money in my account as i just had my tax refund deposited into my account so each swipe was declined so finally i called went through the whole song and dance that Wells Fargo foes and after answering multiple questions and performing code retrieval from them texting md codes my card went through findd as XXXX but when i look onlinee XXXX in my transaction log it says i made seven purchases at XXXX for XXXX. This has to stop same thing happened with my cable payment Wells Fargo would not allow my husband to deposit cash into my account because he is not on my account he had to deposit a money order well the bank held. Y money order for twenty four hours so it never posted until after twenty four hours do each attempt to pay my ca le bill was declined then when it was finally accepted the bank charged me numerous times in my transaction log causing chaos on my account then my cable company decided to take the payment as an attempted e check and redeposited it in their account in the amount ofXXXX it is still being withheld from me i need this money back i need this constant decking my card in public and embarrassing me to death to stop all i wanted was a normal banking system not this this is torture and super embarrassing because Im declined in long lines behind me of people that just want to get home

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 2020-04-30
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Re : mortgage with loan no. XXXX for the original mortgage that had been serviced by Shellpoint Mortgage that was refinanced and funded on XXXX. XXXX, the title company, told me that it sent via Fed Funds wire the payoff to Shellpoint Mortgage on XXXX with the wire reference number : XXXX. On XXXX I spoke to XXXX XXXX in customer service at Shellpoint. She told me that my account shows a payoff on XXXX and has no other information about when the payoff was received by Shellpoint and what date Shellpoint uses to record receipt of the payoff. XXXX said she would have data on the payoff emailed to me. On XXXX I received an email from XXXX XXXX of Shellpoint that showed the same thing that XXXX told me - the recorded date of the payoff was XXXX. I replied to Ms. XXXX with the fed funds reference number that the payoff was made on XXXX. On XXXX, Ms. XXXX replied ( attached ) that she can't respond to an email, and that I should contact customer service. But I had already contacted XXXX XXXX in Shellpoint customer service on XXXX and couldn't get any clarifying information. Since Shellpoint had the payoff on XXXX per the Fed Funds wire, but recorded its receipt on XXXX, I'm being charged one extra day of interest, which is {$62.00}, and I would like Shellpoint to send me a check for {$62.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: TX
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 paid off my XXXX Loan # XXXX on XX/XX/2020. XXXX has updated the credit bureaus that the loan has been paid in full expect Equifax. I submitted a dispute to Equifax and the result came back as still owing a balance. The loan balance had been updated to XXXX and then Equifax placed a balance back on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I got a mortgage loan in XXXX XXXX XXXX XXXX, after having a foreclosure in XXXX, on XX/XX/XXXX, this company transferred my loan to Loancare, a XXXX company in XXXX XXXX, VA. 
I received information about the transfer including fees to make payments. I always pay online and have that service with XXXX XXXX  with NOT fee, however the new loan service Loancare charge fee on every pay option except autodraft, forcing the customer to provide them with routing number ( ABA ) and checking account number ( DDA ) and authorizing them to automatic withdraws every time, so customer will not have any control over those withdraws. 
Special request fees ( see attachment ) : Pay-by-phone ( over the phone check ) up to {$15.00} Automated phone system up to {$15.00} Online Payment fee up to {$10.00} Autodraft fee No fee Loancare did not provided any information about mail payments or bill pay service from my bank ( for this I need a physical address where payments need to be sent, most of the time headquarters address are different that payment address and if it sent to wrong address payment will be late ). 

I would like to know if this is even legal that a company enforce customer 's to share routing number and checking account number as only way to no charging to make a payment. 

I contacted company but they stated that whatever is on the letter applies. I do not want to add {$10.00} every month to loan just to make a payment online ( phone payment are more expensive ). It is like paying {$120.00} dollars more per year so in 30 years adding {$3600.00} dollars to your loan for just one customer just to pay. This is absurd. 

Thank you for your assistance and please help consumer from over pay to this companies.

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 2019-06-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am writing to request that the extended fraud alerts and security freezes be removed from my credit reports. I am trying to see if I am eligible to receive financial for a emergency medical procedure. Having the above mentioned placed on my credit reports has been a major inconvenience. Can you please removed it as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: DISCOVER BANK
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter from Discover dated XX/XX/XXXX stating my account will close due to inactivity on XX/XX/XXXX. The Pandemic hit the next month forcing me to obey the " stay at home order '' set forth by the WV Governor. I had not left the house until XX/XX/XXXX for a medical appointment. I was not able to use this card prior to the XXXX. I inquired with Discover on the XXXX and my account was " still open '' but I was told they would indeed close it within the next day or two. I made a purchase on the XXXX and it went through. I spoke with a Discover Supervisor after this purchase reminding her that the guidelines for this closure should not be reinforced because of this national crisis. If I had a balance on this account I would not have to pay it ; yet, I have an account in Excellent standing - with a {$15000.00} limit since XXXX and Discover will close my account and lower my credit score and effect my credit report due to no fault of my own. I had an Excellent credit score and need this more now as we are building a new home. I spoke with Discover Corporate on XX/XX/XXXX. I was told there was no exceptions for the closing guidelines due to the Virus. However, this state has changed guidelines for license expiration. I was issued a new card with only a limit of {$1000.00} with one click - why can't they keep my card open with one click?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: IN
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$590.00} XXXX XXXX  XXXX {$250.00} XXXX XXXX   XXXX {$540.00} XXXX XXXX XXXX {$130.00}

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 2020-04-29
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Lvnv funding is a debt collector for I believe a jewelry store that I have had no contact with for over 7 years and they still are damaging my credit. They keep renewing a old debt claim from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Company refuses to review calls. I was promised for my specific credit card that I qualified for a {$200.00} promotion if I spend XXXX during the first 90 days. The company kept lying saying I made qualifying purchases and strung me along giving me different date that I would recieve it. I opened the secured credit card in XX/XX/2021 and Bank of America changed said I would t get it after all. I am upset. I was interested in a different bank credit card elsewhere. The false statements is a violation of anti trust I believe or an inticement. As well as, my {$200.00} provisional credit was reversed for a XXXX. I asked for an accommodation due to a XXXX and was told to go into a Bank of America for that. They refused to accommodate. Which is ironic due to the nature of the XXXX dispute. So I am owed approximately {$400.00}

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 2019-06-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citizens Bank Platinum checking account under a promotion on XX/XX/XXXX. The account was approved on XX/XX/XXXX. The promotional term is " Get {$400.00} to open a Platinum Checking account with a single direct deposit of {$1000.00} or more within 60 days of account opening ''. I click on the " open account '' link as provided on Citizens Bank website and no promotional code was required per the instructions.

After 2 months of meeting the requirement, I still have not received the promotional offer and have paid {$100.00} in total monthly fee to keep the account active in order to get the promotion. I contacted customer service on XX/XX/XXXX and was told to send a secured email. After 6 email exchanges ( via the Bank 's secured email system ) and faxing of supporting documents and application screenshot, there was still not resolution while another {$25.00} account fee was charge on XX/XX/XXXX. I contacted customer service again on XX/XX/XXXX and after 25 minutes, I was told I need to enter a promotional code to be eligible for the offer. I mentioned to the customer service rep there was no promotional code at the time of account opening on XX/XX/XXXX per the attached screenshot but it was felt on deaf ears. This is simply an attempt by Citizens Bank to trick consumer into applying for an account with high monthly fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-02
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
InXX/XX/XXXX, 2 letters were delivered to XXXX XXXX and Equifax stating that an old inquiry still hasnt been removed from my Equifax Credit Report. XXXX XXXX completed a credit report inquiry in XX/XX/XXXX. Equifax should have removed the inquiry within 2 years which should have been XX/XX/XXXX. The inquiry still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$250.00} XXXX XXXX   XXXX {$540.00} XXXX XXXX XXXX {$130.00}

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