BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-23
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am extremely upset. I may have been the victim of identity theft. Someone has applied for credit in my name. There are accounts on my credit report for which I do not recognize. Pursuant FCRA 605B I am demanding they are removed. 
1. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
TransUnion has denied my request for a annual free credit report and wants sensitive information of my SS number, driver license, utility bills etc. Both XXXX have provided the reports without issue. All information on the standard form was consistent with my personal information and adequate for the two bureaus but TransUnion wants more. I refuse to give out more information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have an FHA Loan, the investor is XXXX XXXX and its serviced by the Mortgage Servicer Specialized Loan Servicing LLC ( owned by XXXX ). I was economically impacted by COVID-19 and I requested Forbearance before XX/XX/XXXX. Then extended it twice. 

My Forbearance is about to end in XX/XX/XXXX and I have communicated with the Mortage Servicer about 12 times in writing, and by call, to go over my options at the end of Forbearance. The total Forbearance amount is around {$30000.00}. Which I'm unable to afford. 

I specifically asked for deferral of the owned amount to the end of the Loan or putting them in a subordinate lien payable when I refinance, and I spoke with several people about this at SLS, they all replied that the Loan Owner / Investor ( which is XXXX XXXX ) does not offer that option. And the only option I have right now is to pay it all in a Lump Sum or apply for a Loan modification which is inevitably hurt my credit. 

The Mortgage Servicer is not approving a repayment plan, either. So I'm left without options. They should be able to offer more options than just Lump Sum re-payment. 

I hope you can help, 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 2015-10-19
Company: Empowerment Ventures, LLC
State: OH
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Adding money

Complaint:
Rush Card/ XXXX XXXX on XXXX XXXX, 2015 there was a service up that same day the update was completed and service was supposed to be normal. On Wednesday XXXX XXXX, 2015 my employer send my direct deposit in the amount of {$500.00}. These funds are to be available the following day, but this was not the case. From the recording when you call something happened with the update and funds would be available on your regular pay day which is Friday. Rush card offers 2 day early direct deposit is one of the reason I have been with them so long. Today is XXXX XXXX, 2015 and I still have no funds and according to them they have idea when I will have my funds which is unacceptable. Others I know are having the same problem. All I want is my money so that I can close my card out and be done with this company. Since this update no one has been available to anser questions and the line keeps hanging up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-28
Company: Empowerment Ventures, LLC
State: NC
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I am unable to access my funds on my Rushcard. My balance went from {$700.00} to {$8.00} in one day and I didnt use any of the money. Now I ca n't get in contact with anyone with answers and my lights have been disconnected. Can someone please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: NC
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:
The information reporting seems to me that it is inaccurate, therefore I believe that this information is reporting illegally and is not compliant. I would like to have this information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: Northeast Collection Bureau
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was called about an amount of {$260.00} that I owed to the bank XXXX XXXX from this number ( XXXX ) XXXX I made payment of the amount of XXXX from XX/XX/XXXX to XX/XX/XXXX I was expected and told to get up paper received in the confirmation of my payment for this account I never have gotten it

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I got an email from credit union from a new account that I supposedly made. I havent opened up a new account so Im concerned someone is trying to steal my identity and made a credit card with my information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
On XXXX XXXX, 2014 I had a XXXX in The XXXX XXXX in XXXX FL. I was taken to XXXX XXXX XXXX Hospital XXXX. The hospital was given my Insurance information, XXXX and XXXX and all of medical bills were paid by XXXX XXXX XXXX XXXX XXXX and any bills related to this accident paid by XXXX or XXXX were reimbursed through XXXX. I was searching my credit report online and was wondering why my credit score was was so low and I found in the Collection ( s ) Part all these bills from a XXXX. XXXX, XXXX and XXXX in XXXX, FL attached to the the accident that were never billed to me or XXXX XXXX XXXX Company. When trying to resolved the problem I could not obtain bills from this Online Info Service Collection Company or the doctors putting these charges in collections. XXXX XXXX and I have tried numerous times to get bills related to this doctor group but no one is able to assist us. The name of the Collection Agency is, Online Info Service, XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX ( XXXX XXXX and the Doctors are XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX, FL, XXXX. Please help me to resolve this and get this off my Collections on my Credit Score. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-10
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have requested that the company cease and desist telephone calls XXXX times and that has been acknowledged by the company XXXX, but they continue to call. When I asked via email that they stop calls, they continue collection attempts but do not address the telephone issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: CAVALRY INVESTMENTS, LLC
State: ME
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2016, I received mail from Cavalry Portfolio Services about an alleged debt owned. I checked my credit report through XXXX and the debt has been reported as an adverse account. [ Account # XXXX ( Please note : XXXX omitted account 's last XXXX digits for security reasons ]. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), I sent via certified mail [ Mailed XXXX/XXXX/2016 ; received XXXX/XXXX/2016 ] a request to Cavalry Portfolio Services to provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Maine ; and 4. proof of the last payment made on the account. 

Cavalry has contravened its 809 ( b ) statutory requirement to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: I.Q. DATA INTERNATIONAL, INC.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX i rented an apartment from XXXX XXXX with my wife. From XX/XX/XXXX to the end of my lease i was made the XXXX and was legally not allowed to live in my apartment. As a alternative i resided in a room provided to me by the XXXX. I legally could not have caused any damages to the apartment in question, because i did not live there, both by legal constraint as well as physical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Scott Lowery Law Office, P.C.
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have been paying on a loan to this collection group, XXXX, for over 5 years through a credit counseling agency and the collection group refuses to send me or the counseling agency balance due information or acknowledgment of receipt of payments. When I call, they say they ca n't talk to me and when the counseling agency calls, they can not get documentation or a return call. Sometimes the counseling agency is put on hold indefinitely.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: CNG HOLDINGS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Why Not Lease It XX/XX/21 call XXXX XX/XX/21 call XXXX XXXX  XX/XX/21 call XXXX XX/XX/21 Payment made of {$53.00} XX/XX/21 call XXXX XXXX  XX/XX/21 XXXX call XX/XX/21 call XXXX informed rep of payment XX/XX/21 call XXXX XXXX  XX/XX/21 call XXXX XXXX  XX/XX/21 call ( requested Supervisor was hold for almost 30-35 mins, silence and call hung up I was informed by an agent that my number is on an automatic dialer and would continue until a payment was made. Above you will see date where a payment was made and the calls continued.

There repeated calls even after speaking to me is blatant harassment. If it is because of their automated calling system, then it needs a code added that indicates to them that repeated calls in one day every hour - two hours is in violation to federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We have exerted all efforts from our end to make the short sale process as fluid and stress-free for you as we can, but we are not getting a timely response from your lender. We have already reached out to the executive office but have not had much of an effect. 

The file was transferred to Fay servicing on XX/XX/XXXX. We have an ongoing short sale application with XXXX  before this file was transferred to them. We were advised that they received the file on XX/XX/XXXX. The file was tagged complete on XX/XX/XXXX and XXXX was done on XX/XX/XXXX with the AS-IS value of $ XXXX.We were informed that ETA for review is 30 days from XX/XX/XXXX. We made frequent phone calls and emails to the POC and as well as to his manager to monitor the file. We escalated the issue multiple times since it is already past the 30 days time frame they provided. We are not getting any progress nor response from the assigned processor although multiple emails and callbacks were requested. It was only on XX/XX/XXXX that we received a response that our offer is too low and they are countering for {$260000.00} offer. 

The buyer agreed on the counter and the new offer was sent on XX/XX/XXXX for review. The same process, we did frequent follow up to check the progress but we are only getting answers like " still under review by the investor, only the processor can answer to that ''. It was only on XX/XX/XXXX, after numerous attempts that I have been able to spoke to the POC that we find out that the investor is asking for {$260000.00} as net and not as a gross offer. 
For the last time, the buyer agreed on their counter provided that we can get the approval and close this month. We submitted the new offer on XX/XX/XXXX with the {$260000.00} net that the investor is requesting and until now we don't have any update from the lender nor the POC if they already submitted the new offer to the investor for review. 

The agent we spoke to yesterday informed me that he is not seeing any notes on the account if the file was submitted to the investor for review and it's not even showing that there is a new offer. We sent numerous emails and callbackrequests but we have not heard yet from the processor nor from his manager. 

Any help you can offer regarding this matter is greatly appreciated. It's now more than a year and we have not received any decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Santander Consumer USA Holdings 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:
During Covid-19, I set up payment arrangements with Santander at the end of my loan for the fees at the end of my account. I was told that when I would pay a certain amount my account would be brought current. However this was not reflected on my credit reporting. My credit reporting showed a 30,60, 90 day lates for XXXX, XXXX, and XXXX Santander reviewed calls and agreed that the information would be corrected due to the payment arrangements set up as part of the Cares act! Santander fixed inaccurate reporting for two bureaus but failed to complete it at XXXX! Ive called for months and havw been told it would update at the end of the credit cycle every month! This has not Happened and ive call Santander every day since and there has been nothing done! This impacts my ability to secure funding and has negative repercussions for me despite Santanders promise it would be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: PNC Bank N.A.
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I '' M A MEMBER OF PNC BANK ABOUT XXXX MONTHS AGO I WAS XXXX CHARGED BY A COMPANY NAME XXXX WHICH TURN OUT TO BE A SCAM SO I INFORMATION PNC BANK WHICH THEY RETURN THE MONEY TO MY ACCOUNT SO XXXX CHARGED ME AGAIN SO I WENT TOPNC ON XXXX/XXXX/15 & I TALKED TO XXXX XXXX XXXX WHO INFORMATION ME THAT MY MONEY WOULD BE IN MY ACCOUNT IN 10 DAYS BUT I CALLED THE BANK PHONE LINE IN THE MONEY WAS IN THE BANK SO THE NEXT DAY XXXX/XXXX/15 I WENT TO THE ATM MACHINE THAT WENT I LEARN THAT THEY HAD CLOSED MY ACCOUNT THEY OWE ME {$170.00} I JUST WANT MY MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: PNC Bank N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
PNC Bank has placed my daughter in the XXXX due to an overdraft account. She is a minor and I believe should she be exempt from collection activity and removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was charged an overdraft fee on my checking account when it was not overdrawn. I also do not have overdraft protection. I called the bank to have it removed and they refused to even though my account was never overdrawn. This bank has very aggressive practices with regard to overdraft. They said the fee was for a pending transaction that had not been presented to my account for payment yet. This is one of the most ridiculous things I have ever heard. I have an attatchment of the exerp of my statement that contains the questionable practice by this bank. In it you will see that my account is never overdrawn except for when the fee was charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/21 I paid XXXX for my grandmother 's funeral. At that time, I was told by Mr. XXXX, the funeral director, I would be reimbursed for the funeral expense 's once the policy paid out. XXXX XXXX XXXX XXXX received a second payment from the XXXX XXXX company and then gave my money ... my refund to other parties instead of refunding to the original form of payment ... my Capital One credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank has been been returning items and multi processing the same payment so they can charge me more and more fees. The company I get paid through demanded the money back they put in the account and bank will not return it. They have run items through more than XXXX time for the purpose of charging me more fees including over XXXX on an item that was XXXX and charged me fees when the item did n't leave me overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: NJ
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: PNC Bank N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Subject : in reference to previous case number : XXXX PNC bank appeared to understand that our family is under severe financial pressure and that we were trying to make sure that nothing automatic came to the account. We still did n't have money to fund the account for eventualities. However and unfortunately. Even after many efforts to change which bank funds come out of, these XXXX {$25.00} payments slipped through due to a several step process at the other bank 's web interface. 
This happened again, overnight, and, without notice and without a chance to cure anything, the account was thrust into chaos and is experiencing deep predation at the tune of almost {$200.00}. I ca n't even begin to think where I 'm going to get money to satisfy the depredation that is taking place. Call after call, I visited the branch manager, he called them too and was turned away. Our account is being held hostage by PNC. We have the XXXX dollars those payments debited. But they take their fines first so there 's no way to fill that hole. They 're forcing ruin onto us. PLEASE HELP US. We disputed their closure in the previous case, because this all happened so fast, the problem was almost fixed completely but in the last stretch, the bank has turned it 's back again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted experian regarding these unauthorized inquiries on my report to be removed and they refused. 

I have submitted in writing by certified mail with a return receipt that these were fraudulent inquiries and request for them to be 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