BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-03
Company: Bread Financial Holdings, Inc.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX : Round trip airline ( XXXX ) ticket purchase using Comenity Bank-issued credit card ( {$480.00} ) XX/XX/XXXX : Notification of outbound flight cancellation ; XX/XX/XXXX : Notification of inbound flight cancellation XX/XX/XXXX through XX/XX/XXXX : Multiple calls to airline requesting refund ( refused ), including attempts to escalate to supervisor. Ultimately told to contact complaint department in writing. 
XX/XX/XXXX : Email to complaint department of XXXX XX/XX/XXXX : Written denial of refund request made to XXXX XX/XX/XXXX : My reply to XXXX insisting on refund ; response by XXXX denying request again. 
XX/XX/XXXX : First attempt to contact Comenity to dispute charge. Taken verbally by agent. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : Calls to Comenity related to dispute, including several attempts to obtain reconsideration of denials ; additional online submission of dispute with relevant documentation. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : Letters of acknowledgement of receipt of dispute, denials of my original dispute and my subsequent submissions requesting reconsideration. Letters include comments suggesting that Comenity did not review any of my submitted proof and make any contact with the airline.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: NV
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-15
Company: EQUIFAX, INC.
State: NV
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: CIT BANK, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I closed an account with  CIT  bank in  XX/XX/XXXX which I had used to keep funds after the sale of my home a couple of years earlier . CIT ba nk did not send me my tax forms for  XXXX  until   XX/XX/XXXX   after I had already filed my  XXXX  taxes. They had emailed me information regarding the forms in previous years but ceased all email communication after I closed my account. I updated my banking information across multiple banks  which I used after the sale of my home and all banks except CIT mailed me the forms to my proper, new address. When I contacted CIT they stated they monitored all communication and stated I never contacted and never updated my address them which is not true. I am now facing a costly amendment process to my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
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: Their investigation did not fix an error on your report

Complaint:
In or about XX/XX/2020, I disputed XXXX XXXX  XXXX ' entry that is on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to XXXX XXXX  XXXX requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report. Furthermore, XXXX XXXX  XXXX never notified me about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: Paramount Recovery Systems, L.P.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called this company on XX/XX/2020 to settle the debt. The original amount was {$600.00}. It was agreed that i could settled the debt for {$420.00}. I asked what this would be reflected as on my credit report. The representative said Settled in full. I asked to receive proof of settled debt by mail or email. They said they would send me something in the mail. I never received it. I have called twice since then and have not received anything. I ended up disputing the debt on my credit report. It was then updated to the amount of {$420.00} being paid, but now says i still owe a remaining balance of XXXX. This is incorrect due to the fact i was told that the amount i paid would be reflected as settled in full. I am frustrated that i still have not received anything from Paramount recovery showing proof of payment and that the debt was settled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently viewed my credit report and noticed a XXXX XXXX Bank Self account that was not mine. I contacted the creditors explaining that I am a victim of identity theft. I am for certain that the alleged debt do not belong to me. They responded via mail stating that they had completed the investigation and the items were not deleted, as requested. I reached back out to them requesting the following ; copies of the original contract with my signature, copies of any papers that I agreed to pay what you say I owe, and explain what bounds me to them.Also, what kind of business dealing have I done with them? By law, everything on my credit report must be accurate, verifiable, and reporting a timely. If not, information must be removed from my credit report. Unfortunately, the problem was not resolved and they have yet to to provide signed documents with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter, collection letter from Central Portfolio Control, they stated that because of interest, late charges and other charges that may vary from day to day, the amount due on the day you pay may be greater. In addition, this is the first time I have received a collection notice on this amount and have not received any information on when the service was/if it was provided by the Hospital they are collecting for. They want me to send in a payment and then discuss options? It does n't even give the date of service..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: Gatestone & Co. International Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a call from " Gate Stone '' stating I owed a debt for an XXXX account. I determined that this was identity theft per XXXX directly and confirmed the debt was fraudulent. I requested on XXXX separate occasions a Verification of Debt and they company " Gate Stone '' has refused to provide that. This is impacting my credit score. I have filed a police report and am currently waiting on a response from XXXX Office of the President. I have also requested a Cease & Desist on XXXX separate occasions but continue to receive calls from " Gate Stone ''.

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 2015-05-27
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I called PNC bank and told them I was returning an item that was not as advertised but the company refuses to pay for return shipping. PNC Rep told me to return the item, when its posted to the credit card, call back and we can dispute it. I paid to ship the items back and called PNC Bank to dispute the shipping charges and was told that it can not be done. I then was transferred to a supervisor and was told the same thing. Now im out {$35.00} because of false information. I would of kept the item and tried to sell it on my own. I asked the supervisor if there 's anything he could do since Ive been a customer for over XXXX years and was told " no ''. This is very upsetting since I dont have money to spare.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-03
Company: National Credit Adjusters, LLC
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020, I paid the amount in full of {$3900.00} for a delete letter and deletion of the debt off my credit report and it was never done. 

XXXX XXXX, I sent out a verification letter to prove the debt or deletion in 30 days and they never responded. 

XXXX XXXX I sent out another verification letter to prove the debt or deletion in 30 days and they still never responded. 

I need the entire account deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I currently have a loan through pnc bank and because my insurance was through escrow and I had high risk dogs at my home the insurance company told me to get rid of dogs or pay a premium increase. I told insurance company I got rid of the dogs. And they still sent a bill to my mortgage company in the amount of XXXX without me knowing. So my monthly payment went up from XXXX to XXXX and then I contacted a company for modification. And they stole my money and ran and told me not to contact my mortgage company they would deal with everything. Well months later I find out my home is in foreclosure and tried getting a modification and Heep getting denied ... ..I will do anything to save my home. It means the world to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: PNC Bank N.A.
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In 2014 my home in XXXX Maryland was foreclosed on by my lender ( PNC XXXX despite the fact that I received no less than XXXX bonafide offers from buyers that were willing to do a short sale. Additionally, during the foreclosure process I was not granted a mediation with PNC despite the fact that I properly and timely submitted a request for the same with the court. I believe that PNC acted in bad faith in the foreclosure process by rejecting XXXX short sale offers and by not taking into consideration that my legal rights were impaired as a result of not receiving a court mandated mediation. Instead the foreclosure sale proceeded and the home sold for less than what was originally offered by the prospective short sale purchasers. I sent XXXX letters to PNC recounting the situation and seeking to reach a mutually acceptable resolution. My first letter went unanswered and the second merely brushed me off in the traditional big corporate manner. The impact on my credit and tax consequences for the foreclosure have been very serious. I understand repayment of any deficiencies are my responsibility and I have made arrangements with creditors to true up my obligations. However, I am of the firm belief that PNC unduly enriched itself by proceeding with a foreclosure in lieu of other reasonable options which I presented them with in good faith. I am not asking for monetary remuneration however, I am seeking to have the foreclosure removed from my credit report. I have records to support all of my claims above and I am seeking the CFPB 's help here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Western-Shamrock Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Western Finance XXXX continues to call even after I have informed her we are going through XXXX XXXX XXXX She called my work today and I asked again for her not to call me at work and she said she will continue to call until I pay this debt and she hung up on me. 

Western Finance XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I erased the complaint but saved it as a download. Please see attachment file complaint is there. Thank You. Capital One has all this information and has copies of complaints I filed with the XXXX  and the e-mails to and from this company and myself stating refund was sent also they have recordings of all phone calls or so they say.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-21
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XX/XX/2017 {$67.00} in a money transfer via moneygram.com Was cancelled before collection By me due to a possible overdraw Because of a money transfer to a close friend And they said they cancelled it for me But would take 3 to 10 business days Never sent confirmation of cancellation Refused to send confirmation of cancellation Or any evidence of such Then later said I would not be And that " i would have to trust them in good faith '' If i did n't then i would not get my money back Then the next day calling 4 more times to check the status They altered the explanation and said an email was sent confirming cancellation at the time it was done And that if is " against moneygram policy '' to send another to confirm I checked every folder for the supposed email Spam and trash included Nothing! Zip! Zero! Zilch! Nada! What the heck is going on? Oh not to mention the money never dropped of pending status to refunded on my card It went to completed! Which means the money was taken! Now the receiver is XXXX off And So am i

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: 1st Franklin Financial Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
In XX/XX/2021 I contacted a repossession company to voluntarily repossess the SUV that had the title loan repossession company contacted first Franklin financial about the voluntary repossession. First Franklin refused and denied repossession company to repossess said vehicle. 

First Franklin has refused to update my credit report to reflect that's such loan has been fulfilled due to voluntary reposition on my behalf. 

First Franklin financial still to this date has refused to come get said vehicle vehicle has now been listed as abandoned and a new bill of sale and title is given to the new owner.

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 2022-03-15
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:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my TRANSUNION Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$640000.00} ;

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 non-monetary relief
Consumer complaint received 2022-03-15
Company: DAS ACQUISITION COMPANY, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
1. On XX/XX/XXXX XXXX I bought his single-family home located at XXXX XXXX XXXX XXXX XXXX, GA XXXX for {$370000.00}. The legal description of the property is Land Lot XXXX, XXXX District, XXXX Section, XXXX XXXX, Georgia, being lot XXXX, XXXX XXXX. 
2. The day of the credit transaction completion and closing, I signed and endorsed a Check/Promissory Note and was made out pay to the order of : DAS Acquisition Company , LLC. 
XXXX. My Promissory Note check was tendered pursuant the law 31 CFR 103.11 ( u ) ( iii ) 4. However I have not received my closing documents in the quitclaim deed from the Seller/Grantor of the property as proof of transfer of all interest with clear and marketable title to the property, and I have not received the Title to the property according to the law at 31 CFR 103.11 ( u ) ( iii ) 5. Pursuant the Law of Money and Finance : Treasury at 31 CFR 103.11 ( u ) ( iii ) ( u ) Monetary instruments ( iii ) All negotiable instruments ( including personal checks, business checks, official bank checks, cashier 's checks, third-party checks, promissory notes ( as that term is defined in the Uniform Commercial Code ), and money orders ) that are either in bearer form, endorsed without restriction, made out to a fictitious payee ( for the purposes of XXXX ), or otherwise in such form that title thereto passes upon delivery ; 6. I have not received any closing agreements, or contracts thereof bearing both bona fide signatures and evidence of lawful consideration by XXXX XXXX, XXXX XXXX or anyone at DAS ACQUISITION COMPANY LLC 7. It appears DAS ACQUISITION XXXX XXXX, XXXX XXXX have devised or intending to devise a scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses or representations and making false claims and reports of making a loan of cash, check or money order. DAS ACQUISITION COMPANY LLC never made a loan. I have contacted DAS ACQUISITION COMPANY LLC and I have submitted a Loan Affidavit to be signed and notarized to verify and authenticate proof of any alleged loan. However over the course of 4 months, DAS ACQUISITION COMPANY LLC, XXXX XXXX XXXX, XXXX XXXX have failed/refused to sign and notarize the loan affidavit document supporting and providing evidence of a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I sent a letter to Bank of America at XXXX, XXXX XXXX XXXX XXXX, XXXX NC XXXX. 
The letter was my feedback for the response I received from XXXX XXXX of Bank of America to my CFPB Complaint # s XXXX & XXXX. 

On XX/XX/XXXX, I received a secure message from XXXX XXXX XXXX, Senior Resolution Specialist, Regulatory Complaints of Bank of America. 
XXXX XXXX 's message was in response to my feedback letter of XX/XX/XXXX. 
In the secure message, bank statements for the months of XXXX and XX/XX/XXXX were attached. 

The statements were for Account # Account # XXXX XXXX XXXX owned by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX-XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX So, I responded to the secure message asking XXXX XXXX why Bank of America had wrongly sent me confidential financial information belonging to another customer. 

XXXX XXXX replied on XX/XX/XXXX by stating the following : The bank statements included in the secured email was not intended for you. 
As such, we ask that you delete the secured email with the third party information. 

That's all. XXXX XXXX provided no information whatsoever explaining why such a serious data breach had occurred at Bank of America! 

So, on XX/XX/XXXX, I sent XXXX XXXX a secure message in which I stated the following : If Bank of America can wrongly send another customer 's sensitive data to me, tomorrow it can do the same thing with the sensitive data of my own bank accounts too. 
So, what measures has Bank of America taken so far to ensure such a serious data breach does not happen again? 

It has been over a month since I asked this simple question to XXXX XXXX. 
But I have received no reply from XXXX XXXX to my query. 

It's bad enough Bank of America committed a serious breach of sensitive data by sending to one customer confidential financial information of another customer.

But what is even worse is when their Regulatory Complaints group treats the issue as though it's perfectly normal for the bank to do such a thing!

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 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Fraudulent inquires and inaccurate account information

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