BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-17
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Pioneer Recovery has repeatedly contacted me past XXXX. They have contacted family members that I am not in contact with and discussed my debt. The company has also contacted my employment although I have repeatedly asked them not to do so.

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 2021-12-20
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: Risecredit, LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I applied for a loan through Rise, and was denied, which is fine. I checked my credit report and saw that my credit report was checked without my permission. When submitting an online application on their website, a notice was never generated, asking me to allow them to pull my credit report. As a consumer, it is my right to allow or deny a hard inquiry from a finance company. 

When i contacted RISE on the phone, the representative could not tell me where on the website it asks for permission to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: PENTAGON FEDERAL CREDIT UNION
State: TN
Product: Credit card
Issue: Rewards

Complaint:
Penfed credit card, which offers membership rewards for all the purchases has not been updating my rewards balance since XXXX of this year. I called them multiple times, but the issue still remains.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I took out a loan for my daughters education prior to XX/XX/XXXX. The Loan amount was {$7200.00} that I got approved through my local Credit Union. 
I have struggled with employment since then and had to file chapter XXXX bankruptcy twice with the last in XX/XX/XXXX. I listed the loan in each bankruptcy and was told the loan could not be forgiven. Over the period of the loan I have been granted forbearance at different times. 
My Loan was changed on XX/XX/XXXX to a lower interest paying off the original loan which I had paid {$2700.00} to that point. Since then I have paid {$6200.00} for a total paid over time of {$8900.00}. They say I still owe over {$4000.00}. I am XXXX years of age and on only Social Security. 
I will struggle at best to pay this loan and do not understand why I owe so munch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: EQUIFAX, INC.
State: LA
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've called to get issue resolved but didn't receive the right help. inquires that are not associated with any account was not authorized by me. i would like for them to be removed immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX This is a fraudulent account I did not authorize this. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on a credit report. Otherwise, anyone paying for services from the XXXX major reporting services could fax, mail or email in a fraudulent account.

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 2016-09-20
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been with First National Bank for 30 years. Over the years, there have been a half dozen times I have considered changing banks. Today I resolved to do so. In the latest incident, we deposited a check through the ATM on a Saturday ( XX/XX/XXXX ). Monday morning I checked and saw the deposit was pending. If I had gone in to the bank Monday morning to deposit the check, the funds would have been available that afternoon. As it was explained to me just now, because I deposited the funds through the ATM the previous Saturday, they did not give us credit for the money until Tuesday morning. XXXX or XXXX things that went through Monday afternoon/evening were counted as overdrafts even though there was money to cover them had we been credited with the check. Tuesday XX/XX/XXXX, I got an email about my account and within 10 minutes was at the bank with cash in hand to not only cover, ( because it was already covered by the check from the previous Saturday which had just gone through ) but enough to be nearly {$1000.00} to the good. They still charged me nearly {$200.00} in penalties and late fees. I was of course very upset but the most troubling thing was to come. The manager stood over me with his arms crossed, scowling and repeating the same ridiculously unfair deposit practice over and over as if I was a feeble minded child. At one point, as he remained standing and I sat, he leaned into me. I finally just decided it was not going to be fair regardless and the manager, who obviously held all the power in the situation, literally bullied me out of the bank. Horribly unjust, unfair and intimidating. If I have to pay fees, so be it but as a customer of First National Bank of PA for about 30 years, I did not deserve to be intimidated and bullied.

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 2017-03-02
Company: First Associates Loan Servicing LLC
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I attended XXXX XXXX from XX/XX/XXXX in the XXXX. They promised me competitive job wages, job placement and above all affordable loans. When i was about 6 months into the program i had acquired a decent job, and was unable to get anymore federal loans and decided i was just going to quit the program and cut my losses.. They informed me that if i dropped out i would be held responsible for the entire cost of the program without obtaining my XXXX degree, and not to worry because the loan payments were very affordable and kept urging me to apply. They were constantly pulling me out of class to discuss loan information. I didnt want to get kicked out liked they had threatened, so i continued to apply for these loans. They assured me they had other " affordable '' loan options thru a private company called XXXX, a.k.a., peaks loans. When i had to start paying back my loans, the payments were way too high to afford. The only options they gave me was 6 months deferment, and a graduated payment plan that only applied to XXXX out of the XXXX loans, and were still XXXX a month, with an increase every six months. I told them I couldnt afford that either, and they asked what i could afford. At the very most, XXXX a month was it, to which they replied id default on my loans. I asked what would happen if i just sent in payments, they told me it wasnt even enough to cover the interest and they would pursue collection action. They kept telling me the wages in this field were very competitive and that i would have no problem paying back my loans. Once i started getting phone calls from XXXX, they were rude and i felt like i was getting calls from a collection agency. When i tried to call the school and talked to the person that was in charge of my paperwork iwas always told they were unavailable and to leave a message. Of course, i never got a call back. I wanted to know why i had signed paperwork for loans that were supposed to be affordable but werent. The starting wages for this position were mostly at 10 dollars an hour, barely above minimum wage at the time! I have a family to provide for, I couldnt afford that let alone, make high payments with high interest rates. Ive read so many stories like mine and it makes me angry that they bullied me into something i could have and tried to avoid. Right now im trying to consolidate my federal loans because i cant even afford those either, If theyd been honest with me about dropping out i wouldnt be in this situation. Id also like to add that the schooling was mediocre at best. There were times in some classes when our teachers would tell us to just " XXXX '' something instead of actually teaching us. This school was a joke and has completely wasted my time and now ive thrown away XXXX dollars of my money im going to have to pay back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: MA
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 disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX, and XXXX ) via XXXX certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX credit reports after I disputed the account which showed up on my XXXX credit report several months ago as well, so in order to correct the inconsistencies between the Experian, XXXX, and XXXX credit reports, the account needs to be deleted from the Experian and XXXX XXXX reports tied to my name and social security number. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00} CREDITOR : XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00}

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 2016-05-03
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
The XXXX XXXX Credit card was owned and managed by XXXX XXXX. I was at one time an XXXX XXXX XXXX XXXX. I canceled my XXXX XXXX credit card several months ago. Apparently, the XXXX XXXX card has recently been purchased by Barclaycard. Without asking, Barclaycard sent me another card, on the account that I had canceled. I did not activate this new card or reopen a new account. My prior account had already been closed and canceled by me. 

Barclaycard is now saying they will charge me an annual fee on this new card - the one that I canceled and never reapplied for. Basically, they are starting a line of credit in my name, that has an annual fee attached, without asking, and on the basis of an account I had previously closed. I will call and cancel the already canceled card once more, but I should not have to take time to do this again. Additionally, how do I know they will not reactivate my account again without permission? Please address this unethical, and I assume illegal activity.

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: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card
Issue: Payoff process

Complaint:
I have a UPromise MasterCard. On XXXX XXXX, 2015, I made a payment over the phone from my bank account to pay off my entire current balance on my UPromise care, a little over {$9000.00}. 

By their records, the payment was processed the next business day XXXX XXXX. 

However, even though they have processed the payment, they will not clear my account and are continuing to charge me interest until XXXX XXXX at XXXX! 

The UPromise agent I spoke with over the phone was unable to explain to me the rationale behind this. This seems like an immoral if not illegal practice to take payment, hold both my money from the bank and to charge me interest for a week. 
That dollar amount is too small to financially be worth my time in small claims court, but if UPromise is doing this to other credit card holders, they stand to make a pretty large sum of money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: CA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 had purchased flights with capital one credit card in XX/XX/2019, the trip was cancelled due to COVID-19 and I have been working to receive a refund from the airline carrier. I finally recieved the refund back to the same credit card I used on initial transaction and I want the full refund sent back to me as a check ; well, capital one used half of the funds to pay the account balance on the credit card, which is for my business account when i need the full refund from the flights so my account are not commingling. I requested to have the full refund sent to me and Capital one says they are not able to do so, even after I offered to pay the account balance on the credit card with another form of payment, not from my returned credit refund. 
Horrible customer service and it seems illegal they can keep my funds to pay for their account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: Ridge & Valley Realty, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
During a recent review of my credit file, I discovered a collection account that had just been added to my report. On XXXX XXXX, 2015 I contacted the collection agency via certified mail, to request debt verification. I received a response on XXXX XXXX, 2015, which contained a printed statement from the original creditor. The printed statement does not show my correct name or address. I contacted the original creditor with regards to the debt, and was informed that the only identifying information on file was a name and address.The agency did not provide any competent proof whatsoever that I am indeed the party responsible for this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Privacy

Complaint:
While checking my personal credit report, which I acquired from XXXX, I noticed an inquiry made by your company " SYNCB/AMAZON XXXX '' on XXXX/XXXX/2014. 

I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: CMRE Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CMRE FINANCIAL has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major surgery. I have never done business with CMRE FINANCIAL yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problem due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I SPOKE WITH A XXXX XXXX XXXX IN THE COMPLIANCE DEPARTMENT ON XXXX/XXXX/16 AT LVNV FUNDING ABOUT OTHER DEBTS THAT THEY MAY HOLD PERTAINING TO ME. HE CONNECTED ME WITH THE LVNV FUNDING CUSTOMER SERVICE DEPARTMENT. THEY WHERE VARY HARD TO WORK WITH IN GETTING THE NEEDED INFORMATION TO CLEAR UP ANY AND ALL DEBTS THAT THEY MAY HOLD OF MINE. AFTER SPEAKING WITH XXXX SUPERVISORS, BEING HUNG UP ON, AS WELL AS SPEAKING WITH XXXX MORE REPRESENTATIVES I FINALLY GOT THE NEEDED INFORMATION. THE FIRST CREDITOR LISTED THEY NEVER DID GIVE ME THE NAME OF, AND REFUSED TO MAIL ME ANYTHING TO SHOW THE DEBT WAS OR IS ACTUALLY MINE. ACCOUNT # XXXX AND REFERENCE # XXXX. 

THE SECOND ACCOUNT XXXX ACCOUNT NUMBER XXXX REFERENCE # XXXX THEY REFUSED TO SEND ANYTHING THROUGH CUSTOMER SERVICE ON THAT ACCOUNT AS WELL. 

I 'M ON SSI AND HAVE BEEN FOR MANY YEARS, AND AM NOT SURE WHICH OF THESE ACCOUNTS WHERE MINE OR ARE MINE. 
AS WITH THE OTHER ACCOUNTS LVNV FUNDING HAVE DONE. THESE XXXX ACCOUNTS SHOULD BE CLOSED DUE TO HARDSHIP AS I HAVE XXXX TO XXXX XXXX A WEEK AN AM ON XXXX AS I STATED EARLIER IN THIS COMPLAINT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Company: AMERICAN EXPRESS COMPANY
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being called by American Express and its agents about a debt owed by my brother XXXX XXXX XXXX. I have called Amex about this and explained to its agents that I have no contact with my brother or current information about him. I have explained that I am the only one that answers the phone number they are calling and that I want them to stop calling the number but the calls continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
PNC Bank is charging us {$3000.00} to open an escrow account to put the {$100000.00} we borrowed from PNC through the PPP loan program. The reason for the escrow account, were in the process of selling XXXX XXXX XXXX. On the SBA website it states that lending institutions are not allowed to charge fees associated with PPP loans, but Corporate PNC executives were emphatic that they will not establish an account without payment. I feel that the fee is illegal according to the SBA rules, and predatory. Im XXXX and Ive never been charged to open an account with any lending institution before. Deposit money to open an account, yes, but never a {$3000.00} fee to basically move money from one account to another! If I dont open the escrow account and sell XXXX XXXX, I could be in default of the loan. I feel PNC has me over a barrel and I have no good option. There should be no fee per the SBA. When I called the SBA, they said they have no control over what the banks do.

Company response to consumer: Closed with explanation