BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-30
Company: PNC Bank N.A.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This complaint is about a private student loan I received back in XX/XX/2012 for PNC Bank for my first year of college. Unknown to my cosigner and I PNC had signed me up for a XXXX School Loan ( XXXX XXXX XXXX Loan Program ) despite the fact that this was my first year in college in an XXXX degree. 

The loan terms for this particular loan are vastly different then that of an XXXX loan. The main issue I have been having is that it was a 4.5 year max before the loan entered repayment. After which I entered my 6 month grace period and entered repayment in XX/XX/XXXX, right after I graduate. This loan has very few options for deferment or forbearance. Currently I can not claim economic hardship on the loan without first pay 12 months of the loan. After which I will only be granted 1-2 months of forbearance, and have to complete another 12 month payment cycle to get another period of forbearance. 

These loan terms are extremely ridiculous in general but are even worse since I was unknowingly forced into this loan my freshman year

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We recently discovered two FRAUDULENT charges on our account. 

XXXX billed {$69.00} on XX/XX/XXXX and again on XX/XX/XXXX for an account that was never purchased. 

NEITHER CHARGE WAS AUTHORIZED. 

To date, CITI has refused to file dispute claims against either FRAUDULENT charge.

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 2021-06-02
Company: Tate and Kirlin Assoc
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter dated XXXX XXXX2021 Stated I had been turned over to debt collection for {$110.00} Never heard of XXXX XXXX and certainly do no owe them anything Search for TATE & KIRLIN ASSOCIATES INC. online and the {$110.00} amount is all over the internet claiming they are trying to scam people out of money for a debt they never owed. 

No One Has Time To Deal With These Idiots Please Arrest Them Now And Put Them In Jail!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted a payment on XX/XX/XXXX for my regular bill of {$98.00}. This is prior to becoming a 15 day late notice. I was not notified that my account or payment was sent back whatsoever by mail. 

Submitted a payment on XX/XX/XXXX to pay full amount of XXXX for the previous month and the current month, as I did not know, again, I was in arrears due to the non-notification by Heartland ECSI. 

Did not received 15 day late notice via mail as per FCRA states I should have. I am not enrolled for electronic billing. I have specifically requested mailed, paper billing for my records. 

Again made payment on XX/XX/XXXX for additional month. Was informed payment was processed and received. 

Was reported to Credit Bureau for a 30 day late payment, when no such late payment occured, nor was I ever informed, via written letter in the mail, of being delinquent whatsoever. 

Have several emails confirming my electronic payments were received! This is crazy! 

FCRA was violated by not sending 15 day, nor 30 day late notices via certified mail to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: TN
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:
Went to apply for a car and they needed to pull my credit report however due to this action there were many hard inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Advanced Resolution Services Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
date XX/XX/2017 log # XXXX file # pending I 've faxed all the proof of identity materials they needed. ARS still will not place a security freeze on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have brought  to Wells Fargo attenti on a fraudulent act that is on my loan. I am the owner of the property and  XXXX   XXXX  was also a named person on the deed. After I filed a compla int, Wells Fargo issue d a new loan number and informed me that nothing had changed from the old loan to the new loan. I have requested proof of all the closing documentation, warranty deed, deed of lot  XXXX  and lot  XXXX  that was used as collateral on Loan number  XXXX . All correspondence from  XXXX   XXXX  regarding my loa n. Wells Fargo is g iving the new loan information to others without my permission. I am concerned because  XXXX   XXXX  said  XXXX   XXXX  is dead. In the event of my untimely death due to corruption with my property the  XXXX  County property tax department shows that my property is in the name of  XXXX   XXXX   XXXX  which  XXXX   XXXX  is aware. I have faxed proof of other clients who says  XXXX  and Company is corrupt but  Wells Fargo b ut I have reason to believe that  XXXX   XXXX  have been speaking with  XXXX  attorney against me. Wells Fargo says the property belong to  XXXX  which is corruption and extortion. This is fraud. Escrow is being attached to my loan with vendors I have not signed or authorized to escrow my loan. If I try and get insurance on my loan I can not because  XXXX  County have the property in someone else 's name and  Wells Fargo  ignores. I am the second position on my property.  XXXX   XXXX  :  XXXX   XXXX   XXXX ,  XXXX   XXXX , Texas  XXXX .  XXXX   XXXX   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 2019-11-27
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
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: Problem with personal statement of dispute

Complaint:
Dear CFPB, My rights under the fair reporting act have been violated By XXXX XXXX XXXX XXXX   and Rash Curtis & Associates, i unsuccessfully disputed two accounts on XXXX which are XXXX XXXX XXXX  and Rash Curtis & Associates. XXXX XXXX XXXX claims that i owe them {$870.00}. I requested an original contract between me and XXXX XXXX XXXX with my name, and signature on it by they failed to do so yet XXXX still tells me that account came back as " Verified ''. I requested to know the method of their verification and they failed to send it to me. I spoke with XXXX customer service on the phone on XX/XX/2019 at around XXXX and asked him the method of verification and he claimed that XXXX XXXX XXXX verified and i don't have a right to see the original contract and even thou they don't have it it still doesn't mean anything. I informed him that the phone call is being recorded and he agreed to that. I asked to speak to a supervisor and he refused to do so. his name was XXXX. I clearly told him that i want a real investigation not just repeat what XXXX XXXX XXXX  says. I finally came here to find a solution for this problem because i tried to fix it multiple times with experience yet they failed to so. The last letter was sent to them on XX/XX/2019 and i have the receipts. 

My problem with Rash Curtis & Associates is even worse. My problem with them started almost two years ago when i was surprised by them after trying to finance a Vehicle and getting turned down because they claim that i owe them {$600.00}. I called them and asked them what is this for and they say it is a medical bill. I sent XXXX three letters the last one was one XX/XX/2019 to verify and this contract and to show me what treatments i have received or where is the original contract that is signed by me but they failed to do so yet, they still tell me its verified. i want to know there method of verification and i also want a copy of the original contract as well as all of the treatment and services that they claim that i received from them. 

Please CFPB, Help me solve this issue as my rights have been violated and only you can make this Fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have deposited a third party check to my Capital one 360 bank Account and it was correctly endorsed on the back of the check by the third party and signed to my name as thats the legal requirements. After submitting the check, I received an email stating that the check is being reviewed and once is accepted by the bank I can destroy the check. Few hours later, I have received a email stating that the check is reviewed and accepted by Capital one and I can go ahead and destroy the check and also stated the place a hold on the check for 5 days to make sure the funds will be cleared. After a couple days, the have restricted account and when I reached out, they requested that they need to verify by the third party and I have provided them qith their phone number but they said they are not able to verify the phone number belongs to them and I told them there is nothing else I can do and if they can just close the account and transferred my funds to an external account and they refused to do that as well. I am not sure under what laws they can simply steal people 's money so easily when people need their hard working money and they simply can do whatever they want with people 's money only because of their own mistake and lack of ability to properly proccess check deposits and make the customer responsible for that. They have accepted the check the first place after reviewing it and notify me that I can go ahead and destroy the check. Even in the email they have sent which I attached to this complaint in regards to the hold on the check, they are stating " After thoroughly reviewing the deposit ( s ) and your account, we've determined there's a risk that the deposit will return. To protect you, we've delayed the availability of all or part of {$2500.00} until XX/XX/2022. You don't need to take any action. '' If there was anything wrong with the check or they required any verification, they supposed to state it right here after " throughly reviewing the check, not after depositing it and letting me me know to destroy the check and assure me after a few days I will receive the funds and no action is required, then after a few days place a restriction on the account, when I dont even have the check anymore and not being able to deposit it elsewhere because capital one already proccessed the check and got the funds and simply refuses to give me my money when I need the funds urgently and it affecting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company ( ERC ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1000.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chime aka XXXX XXXX within 12 hours made the determination based on " internal factors '' that my purchases were authorized. 

Chime did not initiate a chargeback on my behalf and simply denied my dispute. 

These were manually keyed transactions and I indicated that several people at the store had access to my card ( this would be probable cause with any other bank. 

Regulation E requires banks to take into account assertions made by customers when looking to assess liability. 

Chime stopped all contact with me since I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: MOHELA
State: MI
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:
in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: U.S. BANCORP
State: DE
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
The XXXX BankReliaCard was closed on XX/XX/XXXX. I never used this card because I did not request it. When I completed my initial unemployment application, I requested direct deposit. 5 weeks of unemployment insurance money totaling {$1800.00} was sent to this card. I have been calling US BankReliacard at XXXX, since XX/XX/XXXX, to return the money to Delaware State Department of Labor so they can direct deposit the money into my checking account. I have been getting the run around by both companies and today XX/XX/XXXX, when I called two managers ( XXXX XXXX XXXX ) hung up on me. It has been more than 90 days. I need this resolved immediately. The Department of Labor when I went to their office after emailing them for months & no response to my emails only confirmed the amounts and when the money was sent each week to the card. I am frustrated that no one is doing their job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Rubin and Rothman, LLC sued me Last year for a Debt I did not Have with Them or Owed them At All. And Has Unlawfully Reported it to The Consumer Reporting Agencies without My permission and Has Cause me Severe Loses. Due to the Inaccurate Information that is on MY Credit Profile.I did not given RUBIN AND ROTHMAN Permission to Contact Third Parties with my Private or Personal Information. By Obtaining my Credit Profile on XX/XX/21. Without Permissible Purpose RUBIN AND ROTHMAN Violated The Fair Credit Reporting Act. { FCRA } codified 15 USC 1681 { b } { a } { 3 } { f } { i }. I have not Initiated Any Transaction with RUBIN AND ROTHMAN, Furthermore I do not have an Account as Defined under 15 USC 1693 { a } { 2 } for Review or Collection. And Must Delete That UNAUTHORIZED INQUIRY 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 2022-08-26
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: Information belongs to someone else

Complaint:
I have sent in multiple letters with my FTC identity theft report and Experian and XXXX have removed all the accounts I reported as identity theft but one account. XXXX XXXX is still reporting on my credit report. pursuant to 15 USC 1681c-2 : " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt by such agency of, '' Experian and XXXX have not giving proof of this account and they tell me the count is verified but they were not there when this transaction took place so I dont know how they are coming to this conclusion. I was under the impression that after I sent in the identity theft report all truths would be revealed but here I am again making a complaint about a two companies violating the law and I have to make complaints over and over with no remedy and no proof what so ever. How are these companies allowed to break the law with no consequence. I sent in my identity theft report. So why is XXXX XXXX still reporting on my credit 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 non-monetary relief
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: DE
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:
Hello my name is XXXX XXXX I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a VICTIM of identity theft!!! Please delete these items as soon as possible!

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 2017-04-17
Company: Big Picture Loans, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The loan amount was for {$1000.00}. However, I was unable to see my contract until after the loan was disbursed. The loan payments is {$300.00} birthday weekly totaling {$600.00} a month for a {$1000.00} loan. All payments are going towards interest and not towards the principal. This is making the loan very expensive. Therefore, the loan is costing me over {$6000.00} dollars. The contract lists the Interest rate at a ridiculous rate of 646. %. I was n't aware that I had to pay {$300.00} twice a month on a {$1000.00} dollar loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XX/XX/XXXX In accordance with the fair credit reporting act XXXX, My rights have been violated. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor5 may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am a Chase Sapphire Reserve Credit Card customer. One of the card benefits is free trip cancellation insurance, which I used for the first time ever for my Trip ID # XXXX. My sone got sick and we had to cancel the trip booked through Chase XXXX on the Chase website. Trip date was XX/XX/XXXX, trip was canceled on XX/XX/XXXX. As requested by Chase XXXX, I filed an insurance claim with Chase ( claim number XXXX ) and provided all the required documents. 

Chase insurance is refusing the honor the insurance claim giving me a run-around between various departments. I have spent countless hours speaking with different people- contacting the airline, insurance company, Chase XXXX supervisors, Chase Card Services and others with no resolution of my case. 

I consider this a bridge of contract with Chase Sapphire Reserve, since trip cancellation is one of the benefits that is covered by my Credit Card agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Halsted Financial Services, LLC.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I called offering a settlement amount, and while my offer was turned down, I was also informed that federal law prohibits them from accepting less than 50 % of the total amount to be considered as full satisfaction of the debt. As I knew this was not true, I identified it as a lie, after which the representative refused to allow me to speak.

Company response to consumer: Closed with explanation