BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-15
Company: M&T BANK CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XXXX XXXX, I attempted to deposit 68 XXXX series savings bonds into an existing account at M & T bank in XXXX, DE. I was informed by the branch the bonds had to be sent to their main branch for processing. Long story short, after two weeks and being told they were still being processed, I received a call stating the bank no longer processes bonds. Even though the bonds were not processed, the bank stamped them and now the bonds can not be cashed by another bank. In order to cash them, the original bank needs to send me a letter giving the treasury permission to cancel the stamp in addition to submitting a special form to the treasury and now mailing them into the treasury.

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 2015-06-02
Company: Servis One, Inc., Titusville, PA Branch
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is with BSI Financial. They claim I am behind XXXX payment on my mortgage. However, they refuse to take my calls. My so called " agent '' handling my affairs is either quitting, unavailable, or on the other line. I have had XXXX agents assigned to me since XXXX 2015 ; The XXXX was XXXX, who never would return a call. XXXX was XXXX XXXX, who cold called me XXXX to collect but would never again be heard from. Now, I have been assigned to a XXXX XXXX, who is following suit. XXXX have quit, so they claim, the XXXX will not return my calls or give me written proof of their claim against me. 

Also, there is a middle manager, XXXX XXXX, who I spoke with some XXXX ago. She said I have not fallen behind and that the clerical error was in fact BSI fault. She also told me over the phone that she would wave all fees associated and that I was in good standing. Unfortunately she did no such thing. The fees and everything persist. 

I called this week and a XXXX answered the phone. He claims that he has never even seen XXXX, that she does not take calls from customers, he even told me that she has no phone extension. He was very defensive and rushed me off the phone. 

Yesterday ( XXXX XXXX ), I left a message for XXXX @ XXXX and heard nothing. So I called XXXX and spoke with XXXX XXXX and she contacted BSI. At XXXX ( BSI closes @ XXXX ), XXXX calls but I am unable to answer, not to mention I did n't expect a return call at closing. I immediately called back, but she does n't respond. Called her again XXXX XXXX at XXXX ... nothing. 

I have begged for months for these people to simply give me, in writing, a legible printout of where I have missed a payment. I have begged for someone to contact me and simply discuss the matter. XXXX minutes would do. 

There are easily found sites where people have made similar complaints. BSI Financial is running a scam. They are simply scamming people out of thousands of dollars using intimidation and threatening to ruin credit, harassing phone calls, etc. 

http : //www.consumeraffairs.com/finance/bsi_financial_services.htmlhttp : XXXX : XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: FC HoldCo LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
30 days late assesd to account ( car was refinanced ] XXXX/XXXX/15 ccheck XXXX check XXXX payment XXXX file closed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 has been incorrectly reporting payment history to TransUnion, XXXX, XXXX, XXXX since XXXX. 
I have submitted countless reports to CFPB, TransUnion, XXXX, XXXX, XXXX, and XXXX for the last 3 years. XXXX is the only company to do anything about it. It's obvious that XXXX is mixing my account with someone else. During this same time frame, TransUnion had my birth year as XXXX ( has since been corrected ), XXXX  has an alternate name of XXXX XXXX listed RIGHT NOW. Several inquiries that are not mine, addresses in California and Kansas that were eventually removed.

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 2015-11-18
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
PAYPAL. 
On XXXX XXXX I opened a Paypal account in order to transfer funds to a friend who had pre-booked for a large group dinner at a XXXX restaurant in XXXX NJ on XXXX XXXX. My friend asked to be paid by XXXX XXXX to pay the restaurant deposit. 

I received an email from PayPal on XXXX XXXX saying that the payment was pending review due to government regulations and would be completed within 72 hours. ie by XXXX XXXX. 
On XXXX XXXX I checked my PAYPAL account and still the payment was sitting on pending. I called the Call Center, after waiting 30 minutes I eventually was put in touch with someone who then wrote a comment on the transaction and then escalated and said it would take ANOTHER 72 hours to be processed. ie by XXXX XXXX. 

It is now XXXX XXXX and the transaction is still sitting on Pending. 
And now I am going to pay my friend in cash when I see her, but I am unable to cancel the transaction, which means if the transaction is finally approved she is going to owe me money as she 's been paid twice! 

This is absolutely ridiculous, I 'm going to a restaurant in New Jersey that makes XXXX food!! XXXX is no longer such a hot topic, most recently relations between XXXX & XXXX have normalised but that is irrelevant anyway, I am going to a restaurant in XXXX!! 
How can a review of payment to a friend take so ridiculously long, it is unacceptable that they said 72 hours XXXX times and XXXX times PAYPAL failed on this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-02
Company: First Data Corporation
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have received reward dollars on a Debit card issued by Money Network. They have my money on the account and are holding it claiming the Federal Government requires them to collect sensitive personal information about me before they will release the funds. Everything I see and read about this Money Network is a horrible review and I 'm in fear that my personal information is now in jeopardy. I wish to report their business practices and unreasonable demands on their patrons.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Shapiro, DiCaro & Barak, LLC
State: NY
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I XXXX XXXX believe that under the modified Fair Debt Collection Practices Act that I should have all aspects of foreclosure ceased against my home until I can package all documents necessary for a mortgage modification. When my wife went through a XXXX, she had to leave her work that paid more than {$30000.00} per year. I had to take an extended leave of absence from my job, but I am fully employed again. In XXXX of XXXX I was involved on a conference call with the representatives of XXXX XXXX XXXX, Shapiro, DiCaro & Barak, LLC and the clerk of the court. During that discussion, I was given until XXXX XXXX, XXXX to present all my documents to Shapiro, DiCaro & Barak LLC. I will have a complete modification package within the next week, and it looks like my wife will be able to start work XX/XX/XXXX. On XXXX XXXX, XXXX, the law firm filed a Notice of Motion proposing the granting of Summary Judgment on my case. I am burdened with a great deal of medical debts as well as additional debts I defaulted on while my wife was sick. I intended to obtain a mortgage modification, then file a bankruptcy petition Chapter XXXX to alleviate all debts outside of the bankruptcy. I can not deal with the excessive pressure presented against me now. I need all foreclosure actions to cease under my rights with the Fair Debt Collection Practices Act mandate of XXXX XXXX, XXXX until a resolution on a modification can be accomplished.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! I am very disappointed and I will file a lawsuit if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is an inaccurate and invalid collection account placed on my credit report that is not my own. I have sent letters to all XXXX credit bureaus regarding this debt and still continue to see it reporting, this is a gross violation of my consumer rights and under the Fair Credit Reporting Act, I demand that they either furnish documentation verifying this account as my own or immediately remove this file from my reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call over and over again, back to back and for hours on end never leaving a message. I only figured out who it was by looking up the number. If you do answer they are rude and abusive

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-08
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I was contacted by phone # XXXX with XXXX XXXX to pay off a loan through ACE CASH EXPRESS back in XXXX first they had an office with the XXXX COUNTY call me telling ot me to XXXX XXXX or a warrant will be in my name come XXXX. this was originally done 2 months ago. i thought this was legit bc i called the XXXX county office and also looked up their phone # online and it was verified that it was with the XXXX county office so i paid a total amount of XXXX i have the receipt and letter showing it is now paid off in full. they still answer their phone and the ace cash express dept that i had on my credit report is now gone and closed. i just received call yesterday from a XXXX XXXX XXXX with the dept of justice with XXXX from phone # XXXX account # XXXX stating that i owe XXXX for a payday loan with ace cash express and that they will go forward with fraud charges if i dont pay that amount. i am really scared and worried that this might be real bc i dont want to get arrested for something i already paid and is now off my credit report but i have the supporting documents to show that i paid and i also called ace cash express and spoke to the collections dept and they stated i have a XXXX balance. i also spoke to my lawyer and my lawyer ( XXXX XXXX ) advised me to ignore the call bc the dept of justice does not harrass people to make payments on a loan. i am terrified that i might get arrested and have not been in trouble with the law and i have XXXX daughters that i am supporting and i can not miss any work and i am a single mother who does not receive any kind of goverment assistance or child support. i wouldnt want my girls to see me get arrested if this is real. i couldnt evven sleep last night bc of this call. she was mean and rude and couldnt answer and wouldnt answer my questions about the debt. please help me. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: PNC Bank N.A.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
ON XXXX I WENT XXXX TO GET A NEW CAR I TOLD THE SALES PERSON I ONLY WANT XXXX INQUIRE ON MY CREDIT REPORT REPORT SO THE AGREED TO RUN MY CREDIT WITH XXXX BANK ONLY WELL I GOT HOME THEY HAD RAN MY CREDIT WITH OTHER BANKS WITH OUT MY CONSENT

Company response to consumer: Closed
Consumer complaint received 2021-01-14
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company hasnt provided accurate information to substantiate their claims or provide their authorization of law to collect upon said debt. Also they're falsely updating information onto my credit report. After reaching out to the company they refused to correct the inaccurate reporting of different Date Last Active and Date Opened information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 'm filing this complaint because Experian has ignored me request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This corporation unjustifiably has turned negative information into the credit bureaus on my husband and I ruining our credit. Credit Snowball affect occurring. My husbands truck was totaled on XX/XX/2016. Our insurance company paid Toyota Motor Credit on XX/XX/2016, Gap insurance paid balance on XX/XX/2016. Received bill for payments past due XX/XX/XXXX totaling {$990.00}. Called and was advised that I did n't have any payments past due, but did owe {$1000.00}. I asked what for and was told XXXX different reasons from XXXX different people. Panicking I just paid it without understanding what it was for. NEVER RECEIVED A BILL FROM THEM FOR THAT AMOUNT. I 'm assuming it 's for my insurance deductible. This corporation has ruined my husband and my credit!!!! UNACCEPTABLE!!!!! If at ANY point I owed them money I would have paid it!!!!!!! I have everything documented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: TD BANK US HOLDING COMPANY
State: IL
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX  XXXX, XXXX, TD RETAIL CARD SERVICE add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX 
On XXXX  XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
equiifax is reporting inaccurate information. They show XXXX, XXXX as current collections. All these accounts were paid & the companies agreed to remove them when they were paid. They classified it as a paid for deletion. All these accounts should have been removed in the most recent dispute with the company. I 'm not sure what steps they took in verifying these accounts but it looks like me they did n't contact the companies ... they just checked to see if my information matched their records ... this is a gross violation of the FCRA. I called them on the phone to inform them of the issue & they claim they do n't have any way to verify any account which a company has agreed to remove. They told me to contact the company ... my first question is how does a company know this information is 100 % accurate without communicating with the company directly? There are too many possible errors which can take place & my federal rights are not being protected ... I need all XXXX of these accounts to be removed at once. Here is the list of the accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Collection agency is the third party. Thbis account was with XXXX XXXX XXXX, I called XXXX XXXX XXXX and they informed me that my account was deleted from XXXX reporting credit agencies, however Collection agency took this account and reported to my credit bureaus withot verifying the debt as required by FDCPS. I called and asked the collection agency to provide me some information to validate the debt and they have not validate it as yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-01
Company: MLD MORTGAGE INC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company at the time, mld mortgage, cashed my mortgage check twice in error resulting in XXXX $ in bank fees being charged to my checking account. They are denying they did this, even after I provided them with all the bank statements. They are being completely unprofessional and are giving me the run around. This has been going on almost a month. I do not know how an " accounting '' department can not know this occurred, and then deny they even did it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: Oxford Law, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was made aware of a voicemail. The caller stated their name, no company and a file number. Prior to returning the call, I was able to discern the call came from Oxford Law LLC, a debt collection office. This is the first time I have knowledge of attempting to be contacted by this office. The caller did NOT leave the mini miranda in the message as required. I subsequently left a message for the caller stating i was recording the call ( whichi did ), advised I was not admitting to any debt, and requested a written disclosure be sent ( being they had made first contact ) to me in the mail. I left my home address. The same caller leaves a message again the following day, stating she really needs to speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX XXXX was in violation of the FCRA and did not have permissible permission to access my credit in XXXX. XXXX XXXXXXXX XXXX XXXX has denied the subsequent fraudulent loan after credit was pulled but can not deny Permissible Permission. It was all fraudulent and XXXX XXXX XXXX XXXX is a fraudulent company! XXXX  XXXX XXXX XXXX has denied over 100 requests for the valid permissible permission by labeling all requests and complaints as duplicates as again today XX/XX/XXXX. I will stop the complaints when I receive valid Permissible Permission used for the loan.

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