BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
: ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by TD bank On XX/XX/2022 I applied for a TD XXXX 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code {$1600.00} ( C ) and you assume civil liability pursuant 15 U.S Code {$1600.00} ( K ). XXXX XXXX XXXX XXXX XXXX  has violated my federally protected consumer rights : 1.15 U.S Code 1642 2.15 U.S Code $ 1681M 3.12 CFR 1002 Since the letter you sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, you are also criminally liable.TD Bank should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violation BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: GA
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:
YES MY NAME IS XXXX XXXX AND I AM A VICTIM OF FRAUD THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATELY ON XXXX, EXPERIAN AND XXXX I HAVE REACHED OUT TO ALL THREE WITH NO PROPER RESPONSE AND I HAVE REACHED OUT TO THE BANKS INWHICH THEY ALL SAID ITS UP TO THE CREDIT BUREAUS THE ACCOUNTS ARE ALL CREDIT CARDS FROM FRAUD AND THEY ARE XXXX XXXX ACCOUNT # XXXX AMOUNT {$7500.00}, XXXX XXXX  # XXXX AMOUNT {$6100.00} AND XXXX XXXX  {$3200.00} ACCOUNT # UNKNOWN BUT IT WAS OPENED XX/XX/2016 AND THE OTHER ACCOUNTS WERE OPENED XX/XX/2016

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 2022-08-05
Company: Early Warning Services, LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My debit card was lost and someone hacked my account and used zelle to collect XXXX. I dont have an acct with zelle or their mobil app.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am extremely concerned due to the fact that my credit report has been compromised and I have disputed these items with the Bureaus and they refuse to remove the information. I recently got engaged and weeks later I was diagnosed with XXXX. I not only disputed these charges but I also sent proper verification as I had access to it at the time. This has been a nightmare for my family and I. Please help me get these erroneous accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a Discover Bank saving account on XX/XX/XXXX and transferred {$15000.00} from my XXXX XXXX to the account, and then they suspended my account ~20 mins later!

My {$15000.00} got transferred to that account and can not be accessed. My most recent paycheck of a few thousands of dollars also went to that account. Now there are more than {$20000.00} in the account and couldn't be accessed. Tens of thousands of dollars are now seized by Discover bank without allowing me to use, which looks like a blatant robbery. 

I called them many times with the phone number they provided in the account suspension email and they always transferred me to the security team that never answered my phone even after hours ( and they always hang my call after ~2 hours ). I began to wonder if the security team actually exists. This is a huge amount of money that is locked in the account, and Discover does not provide a way for me to reactivate my account. I have been struggling with my life since the beginning of COVID. I have been working harder to earn a living for my family. With the loss of so much money our life becomes even harder. 

I am writing this complain to ask Discover bank to contact me and get my account reactivated, in a timely manner because I need to use the money for my daily life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My personal student loan that has been going on since 2001 is with Navient. Ever since Navient took over Sallie Mae my loan balance hadn't moved, so I called Navient and the unprofessional clerk did not know how to read my account balance or figure my statements. Now I see that other people complained about their payments with Navient and won in a law settlement. I'm complaining that it looks like my XXXX Student loan was not included in this settlement. How can I get considered settlement/cancellation for my student loan that I have paid for over 18 years? They expect me to overpay until XXXX. I'm XXXX and XXXX, watching my Grandkids due to XXXX. I used to work at XXXX XXXX as a XXXX XXXX until the Pandemic hit. Can someone please help me get on the Navient lawsuit settlement?? 
Thank you in advance, L

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Experian Information Solutions 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 status incorrect

Complaint:
The account was the responsibility of my former spouse XXXX XXXX XXXX XXXX XXXX ), she is responsible per the court order dated XXXX XXXX 2015 Superior Court of California , County of XXXX, Judgement Case number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ( Any and all remaining balance to XXXX XXXX Card ending in XXXX ) is the SOLE responsibility of XXXX XXXX. The Judge order states : '' Any and all remaining balance to the XXXX XXXX Card ending in XXXX and any and all debts incurred by her, Defendant, after the date of separation. This order is a matter of public record and I have provided by mail copies of such to Experian, XXXX and XXXX. The reporting credit bureau. refuse to remove this collection from my credit report. As an employee on a XXXX XXXX I must pass security clearance checks.This is a serious threat to my continued employment. Please help. I can provide copies of the judgment upon request.

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 2022-07-06
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
XXXX has reported that I have an " open account '' with XXXX XXXX a 3rd party collection agency that has a loan or account that originated from XXXX XXXX. XXXX XXXX posted the balance as XXXX and the highest balance as " XXXX. '' I don not have a balance with this company or a contract with them. I do not live as the address they posted. I was informed of this collection on XX/XX/22 and asked them to validate the information and I disputed to XXXX. XXXX has done nothing except give them my address, which I did not authorize them to do, I sent proof of my address - bank statement which they turned around and gave to this 3rd party. The information is INACCURATE and should have been deleted instead of providing them with my address to repost a new debt. This has lowered my credit XXXX points and now I will be in a difficult position to obtain a mortgage, and the information is inaccurate and violates my rights. It should be deleted immediately. I will lose my option to purchase a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
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 status incorrect

Complaint:
The account was the responsibility of my former spouse XXXX XXXX XXXX ( XXXX ), she is responsible per the court order dated XXXX XXXX 2015 Superior Court of California , County of XXXX, Judgement Case number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ( Any and all remaining balance to XXXX XXXX Card ending in XXXX ) is the SOLE responsibility of XXXX XXXX. The Judge order states : '' Any and all remaining balance to the XXXX XXXX Card ending in XXXX and any and all debts incurred by her, Defendant, after the date of separation. This order is a matter of public record and I have provided by mail copies of such to XXXX, TransUnion and XXXX. The reporting credit bureau. refuse to remove this collection from my credit report. As an employee on a XXXX XXXX I must pass security clearance checks.This is a serious threat to my continued employment. Please help. I can provide copies of the judgment upon request.

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 2019-11-26
Company: Certegy Holdings, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I wrote a check XX/XX/XXXX, # XXXX to XXXX for {$110.00} which cleared my bank XX/XX/XXXX. XXXX ran the check 3 times. As a result I was denied a purchase at XXXX several days later as Certegy Check Services stated I had negative information on file for prior unpaid checks. I called them to find out what it was about. They said check # XXXX to XXXX had not cleared. I told them it had cleared my account. They wanted proof from my bank. I went to XXXX XXXX XXXX XXXX XXXX and had the Asst. Branch Manager fax a letter to Certegy stating the check in question had cleared on XX/XX/XXXXand  my acct. was in good standing. They still would not remove the negative info from my file stating that it would take weeks for an investigation. I asked how am I suppose to purchase food and medicine and they advised me to go the bank and get cash as checks would be denied. So, after calling Certegy many times over the next 6-7 weeks to check the status, I finally received a letter showing all the checks I had written the past two years, and none bouncing, but showed the 3 attempts of XXXX running my one check. The letter also stated that the matter was " resolved and this means that it will will not cause denial of check writing privileges. '' I have been using a new debit card since this mishap started as I was afraid of being embarrassed again at a register trying to make a purchase. Today I didn't have my debit card so tried to make a purchase with my check. I was denied again. Came home and called Certegy and was told I am a risk by first agent. The second agent said it was cause I hadn't written checks for a while, which they told me to use cash. Then I was told in might have been the amount of the check ... {$70.00}. Funny as the same place previously took a check for {$69.00} before all this happened ... I did nothing wrong. XXXX had trouble with their register and kept running my check ... Now I am paying the price. I want my account cleared!

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 2017-08-21
Company: Jormandy, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2004, a junk debt buyer by the name of Jormandy LLC won a judgement on me for a charged off XXXX credit account which they had purchased. The amount was about {$14000.00} which was repaid through either payments made by me or garnishments made by the company. My issue is that the company is now demanding another I {$2800.00} which I feel I do not owe. It is my contention that the actual value of the account is far less than the original {$14000.00} and that the {$2800.00} is due to fees, interest as well as other charges that the company tacked on which Jormandy LLC knew were wrong. This is to me harassment as well as extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I did not receive notification that there was any sort of serious issue, or that my account needed immediate attention or that my account was going to be permanently closed due to nonpayment. I have tried reaching out to capital one and all they will keep telling me is that they sent me emails, the only email I have is notifying me of a returned payment, which I then re submitted the payment. I received one text message asking if I had recognized a payment, I didn't and told them no, all that text says is that they are going to temporarily stop my card, report and send me a new one ... .. That's all ... .. nothing about completely closing my account, which affects me negatively!! I have always made my payments!! All capital one wants to tell me is that they have policies and procedures, I understand that but there wan not effective communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, A couple of months ago, I received a letter from the state seeking past due property taxes be paid. This would be taxes that I signed to have paid through escrow. When Loancare purchased my loan, they were not including that amount in my monthly mortgage statement. I have thrown away the dates and operator numbers when I was under the impression that this issue was corrected in XXXX 2017. I called 4 times. I have sent documentation from my closing agreement that my property taxes would be paid through escrow and each time I called, i was promised that I would receive a call back from a manager with a resolve. No manager ever called me. On the XX/XX/XXXX call, I  demanded to speak with a manager immediately and only then a manager moved the amount that had been paid toward additional principal payment was reversed and applied toward my taxes and was told that moving forward the issue would be corrected. The XX/XX/XXXX statement showed that the reverses were made and monies were applied to the taxes. I have just received my XX/XX/XXXXmortgage statement and it is still not corrected. I 'm not certain why I have to beg a company to do something that was supposed to be done when they first purchased my loan. Please 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 2017-08-17
Company: EQUIFAX, INC.
State: SC
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:
Disputed an Equifax report inXX/XX/XXXXwhere I disputed a foreclosure on my report however the account could not be verified by the correct mortgage company. Equifax is stating that the account was verified however I have a letter from XXXX XXXX stating they have never been in control of the account which was held by XXXX XXXX. XXXX went bankfupt in XX/XX/XXXXtherefore the account can not be verified with the dates, loan amounts etc ... .This is required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has reported this debt as being owed to the credit bureaus. I have never had an account with this XXXX company. There was another company that was reporting this same debt and I informed them that it was not my account and they removed it from my credit report. This current company has reported to XXXX THREE TIMES this month that money is owed and that is not true. I have not received any communication from this company AT ALL! Please remove this account from all of the credit bureaus ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22
Company: Collaborative Resolution Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a harassing voicemail from CRG claiming that they left several voicemails ( which they did not ) about a matter they would not disclose via voicemail " per federal law '' ( which is actually not true ). They threatened to validate my home and office address unless I called them back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: PNC Bank N.A.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was attempting to sell an item on XXXX XXXX, and was contacted by a buyer ( XXXX XXXX ) on XXXX XXXX on XX/XX/XXXX. He sent me {$220.00} through XXXX for the item. I got an error that said my account has been limited and not a business account so the money couldn't be credited and I had to send the buyer {$200.00}. The email address he provided was XXXX and the XXXX alias used was XXXX XXXX. The " buyer '' asked for screenshots of my transactions. He repeatedly tried to call me using XXXX XXXX. I did not answer these calls, as I was at work. I was told I needed to send him {$300.00} extra to further verify my account which I did. 

Then, I was asked to send {$500.00} MORE, to another email address : XXXX. I did not send this amount. I blocked the seller from sending any further messages. 

I called PNC that day ( XX/XX/XXXX ) to report the scam. They told me they could not do anything until the money was actually deducted from my account. I called back on XX/XX/XXXX, after the money had left my account, and formally filed a dispute. 

I also filed a police report with the XXXX XXXX Police Department, and a complaint with the FBI XXXX XXXX XXXX XXXX. 

I received a letter from PNC, dated XX/XX/XXXX saying that my dispute has been denied. 

I believe I am protected by the Electronic Fund Transfer Act. In XX/XX/XXXX, the Consumer Financial Protection Bureau clarified its position on banks ' required compliance with the Electronic Fund Transfer Act of XXXX, also known as XXXX XXXX The CFPB says that " if a third party fraudulently induces a consumer into sharing account access information, '' that consumer should receive the same protections as if the money were acquired from a stolen debit card or other banking " access device. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
The payment status for my loan has been incorrectly reported to the credit agencies XXXX  and Transunion and as a result my credit score has gone from Exceptional to Fair. Both show me as 120 days delinquent on the XX/XX/XXXX mortgage payment, even though my mortgage was paid off in XX/XX/XXXX. Note, from XX/XX/XXXX through XX/XX/XXXX I was in forbearance, and was approved to be in forbearance until XX/XX/XXXX. 

Attached are documents from XXXX XXXX confirming my forbearance, and confirming that my loan was paid in full. Note, I had extreme difficulty in closing my loan with XXXX XXXX. The company did not respond to my requests to obtain the title of my apartment ( stock certificate to my coop ) in preparation for closing. I believe it only did so -- 4 months after my initial request -- as a result of my complaint with CFPB. The erroneous reporting of my mortgage status is another example of XXXX XXXX 's gross negligence. 

I am also writing to the three credit agencies to dispute my score. 

Attached documents : -- Compliant to XXXX XXXX ( two documents ) -- Confirmation of forbearance from XXXX XXXX -- Closing documents demonstrating that the loan is closed -- Transunion & XXXX credit reports. I am still trying to get the XXXX  report.

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