BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-18
Company: DISCOVER BANK
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have tried to apply to different credit cards but they just get declined right away. But the problem it's not that they are declined, it's that they don't even verify if qualify or not. I don't even see on my credit report that I ever applied for a card. 

I already contacted XXXX XXXX and XXXX but they were unable to help. I don't even know what the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
We have disputed 3 transactions with Pnc Bank for services that were not rendered on our wedding day. They continue to state the services were valid after providing documentation from us and the vendor that they did not show up to the wedding. 
Services were not rendered. Vendor did not show up to perform services on our wedding day. 
It's been over 100 days since XXXX XXXX did not uphold his end of our contract. It's been over 100 days since he emailed us claiming that he would " refund the total to resolve this issue. '' Wedding day was XX/XX/2020. XXXX XXXX was to arrive at the venue at noon. The bride contacted XXXX XXXX at XXXX requesting a refund for his services since he had not arrives at the designated time. XXXX XXXX arrive a the venue at XXXX and confirmed that the Bride would receive an refund. On XX/XX/XXXX XXXX XXXX sent an email apologizing a requesting information about processing the refund ( XXXX or disputing charges ). the Bride responded with her XXXX name and began awaiting the refund. After 2 weeks, the bride decided to dispute charges with PNC since payment had not be received. 
The details of why you weren't where you committed to being are not my concern. My wedding date was NEVER moved to XX/XX/XXXX. Ever. I saw you TEN days before my wedding on Thursday, XX/XX/2020, for my trial because it's when it worked best around your birthday. At the end of my makeup trial, you told me that you would arrive at XXXXXXXX XXXX at my wedding venue and that you had all of the information you needed. 

We disputed the charges after he did not respond to my email requesting the refund via XXXX. The bank can not refund the {$910.00} as the payments were processed using XXXX. That is considered a person-to-person transaction. 

We are ready to move past this issue. XXXX XXXX XXXX carelessness in this matter has already taken more than enough of my precious energy. My wife and I would prefer not to have to take this matter any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opening a new checking account and after making 10 transactions or a direct deposit of {$1000.00} they would supply a bonus of {$250.00}. I have contacted them several times and even filled out more paper work after going into a branch. I completed the 10 debit card transactions with pin and also did a {$500.00} direct deposit. Both were completed before XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I received a check. It was a gift of {$5000.00}. I went to deposit the check on Friday the XXXX of XXXX. I received a notification that the check was put on hold due to the amount in the check is larger than I normally deposited so that was normal to me. On the XXXX of XXXX, I go to log in to my account because I just want to see how much I could spend on gas. The account was locked and I was not able to get in. Wednesday the XXXX, I called Bank of America to see what the problem was and why my account was locked and they told me that the check I had tried to deposit was a counterfeit check. I didnt know that. It looked like a real check from XXXX/XXXX. Now Im cant bank at Bank of America anymore and I having trouble trying to find a new bank.

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 2017-06-30
Company: LEXISNEXIS
State: VA
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 had previously disputed a judgment account XXXX that was erroneously showing on my LexisNexis file back in XX/XX/XXXX. THis is my 4th dispute regarding this account because LexisNexis has refused to comply with FCRA 611 part ( A ) ( 1 ). <P/>In their letter dated XX/XX/XXXX in response to my 3rd dispute regarding this erroneous judgment account XXXX that they verified that this account was associated with me, XXXX XXXX. However, the LexisNexis investigator intentionally ignored a copy of the court judgment order showing that in response to my motion filed on XX/XX/XXXX to have the judgment account XXXX set aside pursuant to VA code 8.01-428 ( ii ) void judgment was granted and this default judgment account that was entered against on XX/XX/XXXX was set aside on XX/XX/XXXX. <P/>Therefore, LexisNexis can not just suppress this judgement account now that was set aside by the court and now that account no longer exist that was previously granted. <P/>LexisNexis refused to comply with the FCRA 611 part ( A ) ( 1 ) when they failed to respond and were required to delete the account. Now the judgment account XXXX has been set aside therefore they are required to delete the account completely from their files. They still do not want to comply but suppress a record that has been set aside by the court and no longer being valid. <P/>This continues to show that LexisNexis does not comply with the laws regarding consumers and continues to violate the law. You should be able to see if they are continuing to violates my rights by failing to properly comply to remove and delete an account that now has been set aside by the courts, how many millions of consumers rights are they violating. <P/>Please see my attached letter dated XX/XX/XXXX that I specifically address the judgment account being set aside by the court on XX/XX/XXXX and provided certified copies of the paperwork from the court showing the judgment that was entered had been set aside. I also provide a copy of their 3rd response letter that show how they continue to state that they have verified the account which is now false because as of XX/XX/XXXX this judgment has been set aside.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been working with a fiancial advisor to clean my credit I sent out a letter to receive validation of a debt on XX/XX/19 to Caine Weiner XXXX XXXX XXXX XXXX XXXX  CA XXXX via certified mail. i know that they received it. Over 30 days passed by and I never heard backf rom them at that point i sent letters to all 3 bureaus to notify that by law they never validated this credit that I owed. And I needed this removed of my file. I sent those letters out XX/XX/19 and have only received a response back from transunion to which I was told they will not remove the debt, I still have yet to hear back from the other two. By law a creditor MUST validate my debt if i ask, they have 30 days to do this, they never did. And BY LAW the  agencies should remove this debt. 

I contacted them after on XX/XX/19 to then see if i atleast can make a deal to pay it off at a lower cost even though i feel I should not owe this, They denied me of that and told me no the amount of the debt was to small to do a payoff. I tried all avenues to recitfy this and I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This credit debt was paid off over 2 year ago and the creditor is refusing to take it off my report. 
I am in the process of getting a mortgage and the company is being super awful and no cooperating with me. 

I'm attaching my bank statements to prove this debt is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was a victim of a scam ... I was advised by PNC Bank to close that account leaving it negative. Open a new one where all of my further deposits would go, I was refunded the charge of the two fraudulent checks, but none of my personal money was at all recovered.
<P/>
When opening this new account it was in everyone 's agreement that if my money was not recovered we could set up a plan of repayment to close out that account.
<P/>
This was two weeks ago ... .This morning I woke up to a Freeze on both of my accounts. I have been to branches and made numerous calls and every one is saying they are unable to help me until I pay the remaining balance of the of the closed account off. This was not the agreement and they now taken what little money I now have and put a hold/freeze until I make all accounts a {$0.00} balance. I feel like the only people I have on my side are now taking advantage of me. <P/>PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Experian Information Solutions Inc.
State: OH
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:
There are two items on my credit that don't belong to me, i have tried to remove them and have gotten no where, this is stopping me from buying a home. 

the items below are what needs removed XXXX Opened XX/XX/XXXX for {$220.00} XXXX XXXX Opened XX/XX/XXXX {$170.00} these items no dont belong to me, they are fraud

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 2019-11-20
Company: EQUIFAX, INC.
State: OH
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:
There are two items on my credit that don't belong to me, i have tried to remove them and have gotten no where, this is stopping me from buying a home. 

the items below are what needs removed XXXX Opened XX/XX/XXXX for {$220.00} XXXX XXXX Opened XX/XX/XXXX {$170.00} these items no dont belong to me, they are fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
It started XX/XX/2021 when I looked at my account and found it near zero. I called Wells Fargo to find out what happened to my money and they said some women claiming to be me needed the money immediately for her XXXX XXXX. I told them it was not me nor do I have a XXXX to pay. They said Dont worry we will recall it. Then they said the other bank XXXX XXXX would handle the issue. Next, they refused to send it back and said I had to report it to the police which I had already done. Again Im trying to get back money left to me from my XXXX XXXX XXXX months ago. To make a long story short Wells Fargo needs to replace money they gave to someone and lock them up for this crime. I was send a letter and the response from them was I stole my own money. 
Wells Fargo acknowledged the fraudulent activity and credited back most of the {$25.00}. Transactions but they still refuse to give back my {$12000.00}. and its been 4 months now that they have refused to return the money. Please have them fill an insurance claim or something or whatever to return my deposit.

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 2019-11-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My payment information on my Wells Fargo Mortgage is not being recorded by XXXX  as it is on XXXX  and XXXX. I have contacted Wells Fargo and they have reviewed and confirmed that the information has been given to XXXX  since XXXX of 2012 as it was with the other three agencies. I disputed this with XXXX  and they are saying Wells Fargo is not reporting the information. For some reason Wells Fargo information is accurate at the other two so why would XXXX  be any different. I have attached my XXXX  and XXXX  payment logs for proof of what I am saying is the case.

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 2019-11-20
Company: Caliber Home Loans, Inc.
State: NH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caliber Home Loans repeatedly calls my Cell Phone for a Debt XXXX XXXX from NJ owes due to being delinquent on home loans. I have been assured on three occasions that the number has been removed and they continue to harass me. The calls have been going on for 2-3 years despite repeated attempts to convince them it is not my loan. 

Today, XX/XX/2019 I received a call from the XXXX XXXX in regards to the loan after being contracted by Caliber Home Loans. I spoke to XXXX XXXX who I asked to remove me from their list. 

Caliber Home Loans XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: EQUIFAX, INC.
State: FL
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 have filed multiple disputes with each of the 3 major credit bureaus. I have provided substantial evidence of their erroneous reporting of my credit specifically a tradeline for XXXX XXXX XXXX who is notorious for sending wrong and fatal payment history data to all 3 credit bureaus. My evidence shows an online payment transaction history for the year 2016 reflecting no 30 day late payments were ever made to XXXX XXXX XXXX however Equifax, XXXX, XXXX and XXXX XXXX XXXX refuses to remove the erroneous information which is a direct reason why I was denied a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On Friday,  XXXX   XXXX ,  2017 , at approximately  XXXX , Navient extorted money from me in order to process a forbearance.  XXXX   XXXX   XXXX , a supervisor with Navient 's collection department, stated that if the fee was not paid that the loan would default at close of buisness on  XXXX   XXXX ,  2017 , and, if that happened the loan would be turned over to a law firm for collections. I explained that I could n't afford the fee at this time and I was told my only option was to pay or default. I was forced to pay this fee by threat of future litigation and the embarrassment that comes with that ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed into sending {$2000.00} to someone on Sunday XX/XX/XXXX using the XXXX service with Chase Bank. I received a text message on XX/XX/XXXX at XXXX stating " Chase Bank has an urgent message for XXXX XXXX to receive a call about unauthorized transactions please reply yes. '' Next, I received a phone call from the same number and the person on the phone walked me through a process that I now realize was designed to look as if I sent the money to myself to another account at another bank. I called Chase Bank 's fraud phone number and was told they couldn't help and I would have to talk to their claims department which was closed on Sunday. When I called on Monday XX/XX/XXXX, I was asked by the online fraud dept why their department didn't stop the transactions rather than send me to claims which was closed? Chase failed to offer me the help I needed on the day of the scam. I have been sent back and forth between Chase Bank and XXXX with everyone stating they can't help me, that there is no recourse and no way to get the money back or reimburse me. Chase and 6 other large banks own the service but they offer no fraud protection or help. I can't afford to lose {$2000.00}. I lost my corporate job on XX/XX/XXXX due to a downsizing layoff and my marriage is on rocky ground already. This is a catastrophic situation for me right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I got this promotional letter in my mail from Bank of America for a credit card. It says that I am already pre-approved and then a great 0 % APR for 9 months and cash back bonus. Based on that I applied for a credit card and my application is denied.

1 ) If I was not pre-approved - why Bank of America that I am approved already?

2 ) Moreover I already have Bank of America credit card and credit score of more than XXXX so why my application denied? 
3 ) If Bank of America has to deny my application - why they sent me targetted offer like and screwed up my credit score by denying it?

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 2017-06-30
Company: Statebridge Company
State: AZ
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: Investigation took more than 30 days

Complaint:
this company is reporting fraudulantly, this account is being reported as late months when they had not even bought my loan from prior company. statebridge bought loan  XXXX  2016. also, there was  a three month pa yment arrangement was fullfilled account never late and they are still reporting 30 days late. they 've rejected payments, sent back auto pays, since there employees seem incompetent to apply payments properly and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a payment plan in place. The car was repo. The bottom side running board was knocked off when removed. I informed them that sent they wanted the car so bad I was n't going to be responsible for it. They sold for half value. Keep calling. 4 to 5 times a month. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I sent a certified letter to Portfolio Reovery the address is XXXX XXXX XXXX, XXXX VaXXXX. I sent a debt validation letter asking them for proof of original debt and if that could not be supplied they needed to remove the negative items listed on all three of my credit reports. They signed for the certified letter but it has been over 30 days now and I have not heard anything from them but the negative information is stil on my report. I want the negative information removed from all three of my credit reports since they did not show me proof as requested via certified letter of the original debt. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Experian Information Solutions Inc.
State: IL
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 looked at cars twice from 2 different dealerships. Each time the dealership took it upon themselves to run my credit after I told them THEY ARE NOT TO RUN MY CREDIT, YOU DO NOT HAVE MY PERMISSION TO RUN MY CREDIT, I DO NOT NEED OR WANT YOUR FINANCING. I had already secured financing though my home town bank. They took what information they had and proceeded to " shop around '' using my social security number, name and address from my pre-approvals. THAT IS CALLED THEFT. Plain and simple. When someone says " NO '' no mean NO! So, I obtained my credit report from all 3 bureaus. I found more mistakes and other companies that did not have my permission to run my credit. I disputed all 29 inquires. The credit bureau did not even try to find out if these inquires were fraudulent. I 've went though every avenue to get these removed and off my credit. I got the run around every time. It 's even went as for as the fraud department at Experian telling me, " these are a dealerships and credit card companies! As for dealerships, as soon as you went through the doors, that gave them permission to do what they wanted! '' WHAT?!?! EXCUSE ME!?!?! How can the fraud department employees be so misinformed??? I want the inquiries removed from credit report!?!? My personal information was stolen and used without my permission for financial gain. I want my credit report to reflect the actions of myself and myself only.

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