BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-02
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This bank has charged an excessive of fees and is rearranging the order of charges to charge more fees. I made a despoit that is being held 3 days just in time for another {$12.00} fee to be charged and enough time that if I leave the account overdrawn I will continue to be charged {$12.00} despite initially depositing to cover the either overage. this is now the second time the bank has done this. Additonally if you make any other request through email or chat you are told to call the phone number who then told you the branch decides everything. You get notification days after the initial issue despite having alerts for it. the alerts can ONLY be viewed when you log on via a computer can nor be accessed through the app at all. was charged an overdraft before a transaction even posted and then charged another after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: MO
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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX Balance : {$1700.00}

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 2022-01-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am demanding that the payment history to be updated to not late or never late. Please have this corrected to no late payments and update it on my credit file IMMEDIATELY!

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX Balance : {$1700.00}

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 2019-12-30
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A debt collection company has failed to validate the debt and provide valid legal proof that the debt is owed. I don't remember going into any contractual obligation with the original creditor are agreeing to an open contract are receiving any good services with the original are a debt collector. The debt collector is damaging my credit and has accessed my credit report without my permission and is invading my privacy and defamation of character. The debt collector has failed to comply with the 30-day requirement to validate the debt per Fair Credit Reporting Act and Fair Debt Collection Practices Act and must stop harassing me and violating my statutory rights by trying to collect this unvalidated debt by a valid ( wet ink ) contract. The company is proving false information that I owe them to I believe all three Credit Bureaus, XXXX, XXXX, and XXXX. The account they are reporting and under is from a 01 XXXX XXXX XXXX XXXX XXXX for an amount of {$4200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
1. Under the FDCPA, PORTFOLIO RECOVERY ASSOCIATES,  LLC is in violation of 15 U.S Code 1692a for the abusive, deceptive, and unfair invasion of my individual privacy for the purpose of collecting an unvalidated debt ( see Exhibit A, B ). 

2. Under the FDCPA, PORTFOLIO RECOVERY ASSOCIATES, LLC is in violation of 15 U.S Code 1692b ( 2 ) for the obscene  and profane language being used against me to collect a debt that is not validated ( see Exhibit B ). 

3. Under the FDCPA, PORTFOLIO RECOVERY ASSOCIATES, LLC is in violation of U.S Code 1692b ( 5 ) by the use of their company logo within the contents of communication to collect an unvalidated debt ( see Exhibit A, B ).

4. Under the FDCPA, PORTFOLIO RECOVERY ASSOCIATES, LLC is in violation of U.S Code 1692f ( 1 ) for stating an amount of debt owed without validating or furnishing an authorized ( signed ) agreement per my request that created such debt ( see Exhibit A and B ).

5. Under the FDCPA, PORTFOLIO RECOVERY ASSOCIATES, LLC is in violation of U.S Code 1692c ( a ) ( 1 ) for communication with me, the consumer, at times of inconvenience without prior consent ( see Exhibit D E F G H I ) 6. In violation under the TCPA, PORTFOLIO RECOVERY ASSOCIATES, LLC acted in willfully placing calls to the cellphone of me, the consumer, during times and place of work causing mental anguish and anxiety as a consumer listed on the do-not-call registry ( see Exhibit C D E F G H I )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: MO
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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX Balance : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: CURO Intermediate Holdings
State: NV
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I got XXXX loans that I recall from a place called rapid cash, but on my credit report it shows XXXX of them. When I got the loans I had money problems since I 'm the only XXXX working in my household. So I have to pay rent, electric bill, gas, car, house insurance, phone, car, medical bills. So i got the loan so I could help myself a bit. I was making enough at my last job so I was n't able to keep paying. But I only recall getting XXXX loans not XXXX so I do n't understand why it shows up XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I transferred XXXX dollars to open a synchrony bank CD. It was an error. I wanted the money back in my account. I called several times and had a lot of new passwords I had to provide because they never work the same day or the next hour. The last time I had to obtain a code from synchrony via XXXX. I verified who I was via XXXX code That was last week, XX/XX/XXXX. I thought the bank had 3 days to return my money. Today, the XXXX day, I called. Held on for 24 minutes and was told the account was closed TODAY. So no money back into my bank account for ANOTHER 3-4 days. This is illegal. Synchrony bank does whatever it feels like. If they charge me fees for closing this CD early, it better not be for 7 days or anything other than 1 day. If they do, I will submit another complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I purchased an automatic renewal Time Deposit Receipt in XX/XX/1994 with XXXX. XXXX was bought out and now is Bank of America. I have gone to my local branch and inquired about cashing in this Time Deposit Receipt, but they have no record of it. I was told that it may have been sold to another financial institute. I contacted Mass Division of Banks and have gone on to the website Find Mass XXXX  and there is no account that was turned over to the state for inactivity. I was told by this office to file a complaint.

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 2019-12-30
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A debt collection company has failed to validate the debt and provide valid legal proof that the debt is owed. I don't remember going into any contractual obligation with the original creditor are agreeing to an open contract are receiving any good services with the original are a debt collector. The debt collector is damaging my credit and has accessed my credit report without my permission and is invading my privacy and defamation of character. The debt collector has failed to comply with the 30-day requirement to validate the debt per Fair Credit Reporting Act and Fair Debt Collection Practices Act and must stop harassing me and violating my statutory rights by trying to collect this unvalidated debt by a valid ( wet ink ) contract. The company is proving false information that I owe them to I believe all three Credit Bureaus, XXXX, XXXX, and XXXX. The account they are reporting on my credit reports and trying to collect a debt form a XXXX XXXX XXXX  for an amount of {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
US Department of Education continues to report inaccurate information on student loan debt. I have contacted every possible department, third party lender, and available number, and no one will help me. This has destroyed my life and credit. I can not get housing! I can not get housing! I can not get housing! They don't even have the correct loan servicer listed on the web site to make a payment! I have had to track down where to actually pay! I have written proof they should not be reporting borrowers right now, and the continue to UPDATE my CREDIT REPORT AS DELINQUENT!

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 2019-12-30
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/19, I called in to speak with a representative to confirm auto-draft was set up for my first payment. I spoke with XXXX who confirmed my auto-draft set-up. In error, XXXX processed a {$2000.00} payment, which was unauthorized and not discussed with me. I found out later that this {$2000.00} was for the next customer calling in and the agent processed it on my account instead of theirs. I spoke with a Supervisor/Manager who listened to the call and confirmed this. Since this overdrew my checking account, the manager advised me to place a stop payment on the {$2000.00} so it would not go through and that they would send me a check to refund the {$30.00} fee that I received from my bank. I've called in at least 7-10 times and spoke with various agents, wait on hold for 45 minutes each time to speak with supervisors, often get disconnected or have no answer, etc. XXXX, one manager that I spoke with told me she would follow up with me daily - I only heard from her once. Each time Loancare has a different request such as the proof of the fee wasn't sufficient. I provided a screenshot showing the fee, I provided a letter from my bank showing that I was charged a fee and for what purpose ( i.e., for the {$2000.00} Loancare stop payment ), and I provided a full bank statement. As of XX/XX/19, I have not received my {$30.00} stop payment fee due to the agent 's error. I have dedicated 10+ hours to resolving this issue and I only hope the CFPB can look into the practices of Loancare , as other customers may be struggling with the same issues of resolving internal issues due to agent errors. Loancare should take responsibility of their agent errors and resolve in a timely manner.

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 2019-12-30
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a statement on an account that has been charged off. This is a time-barred account that should not be billed to me. This collection company has billed me before and was told this is a time-barred account and to not contact me again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan servicer was transferred from XXXX XXXX to PNC Mortgage. 
With XXXX I was able to make month-to-month payments online using my checking account. PNC provides that option but with a {$7.00} service fee. They do n't charge the same fee to pay online if I set it up to withdraw from the account on a scheduled day every month, even though it would come from the same account. 
My thoughts is that this " automatic '' payment deters people from applying extra principal on months they have it available to them, adding an extra step of inconvenience to the customer to make small additional principal payments over time. A few dollars extra here and there can reduce my mortgage interest amount significantly over time. 
However small the amount, PNC is capitalizing on human nature to not send extra payments by making it more inconvenient to decide each month what amount to pay, and making up for those that try to go this route by charging {$7.00} per transaction. There is absolutely no reason they could not except month-to-month bank transfers from a FDIC bank without charging fees. Especially when they allow the same transfers fee-free as long as they are " scheduled '' through their " Electronic Funds Transfer '' process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Experian Information Solutions Inc.
State: SC
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:
Experian is not obeying the law. 
Section 605B of the FCRA Says that I am to provide 4 things and then the CRA is supposed to block the items no later than 4 business days after I identify them.

Section 605B of the FCRA comes in 5 parts, ABCD and E.

They are set up in those categories because that's the order they are supposed to be obeyed. Experian is actually jumping to C without doing A or B. 
I have inquiries that are fraudulent on my credit file and I gave them everything they needed and they refused to obey the law. They're trying to tell me C can be done before A or B. They are breaking the law and I want them to obey the law. 
I have included screenshots of the inquiries that are fraudulent and need to be removed and also appropriate proof of my identity my statement that I didn't do it or cause it to be happened and also a copy of the identity theft report. So they have no reason not to obey the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 reached out to the following companies regarding these inquiries that I did not create on my own. Nor did I give anyone authority to create appeared on my credit report and I contacted them individually to have them removed and they have not been removed as of yet. 

XXXX XXXX XXXX  ( Finance ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX Auto ) XX/XX/2022 XXXX XXXXXXXX ( Bank ) XX/XX/XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/22, I sent a letter regarding inaccurate and unknown inquiries on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage f and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received  XXXX  in the amount of  XXXX  on  XXXX / XXXX / 17  @  XXXX  into my Coinbase wallet. As for a confirmation code I did not re ceive one. I h ave tried close  to 10 tim es now to contact Coinbase customer service via the only means possible, online request &  XXXX . I  received one res ponse on  XXXX / XXXX /   17  but all they did was ask for the same information I had already provided so I reiterated it & never heard back. Here is  the Case #   XXXX  generated by my inquiry. I have numerous other case #  's ( Case #    XXXX ,  Case  #  XXXX ,  Case #   XXXX   )  that have been provided in their email acknowledging receipt of my inquiries however that 's all you hear from them. From what it looks like on  XXXX  many orhers are having similar issues with Coinbase.     Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove XXXX XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX ; XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$9800.00} ; XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX BalanceOwed : {$34000.00} XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXX/XX/XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief