BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-26
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I reviewed my credit report on XX/XX/2020 and I noticed a collection account from ERC on my credit report for XXXX XXXX bill. I was unaware that I had a balance with XXXX so, I contacted XXXX. Although I didnt remember owing XXXX for service, I submitted and XXXX accepted the payment. Since XXXX accepted the payment, they should have recalled the account from the collection agency -ERC. I filed a disputed via XXXX  for the collection account and ERC verified the debt as valid debt and a valid account for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: NCB Management Services Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
NCB Management states I owe them a debt. They have called several times a week over the last couple of month so I sent them a certified letter asking them to validate specific things and also added a cease and desist on phone calls, Told them that all future communication had to be written. They received the certified letter Tuesday XX/XX/20 according to tracking from USPS but today I received another phone call from them, a lady names XXXX XXXX to call them back to resolve/settle this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: DISCOVER BANK
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
Attention! Don't open a credit card from XXXX. You are not protected from fraudulent transactions like Visa or MasterCard. Put Discover card in your safe and do not take it out of the house! 
This terrible company told me that I was using my lost card for {$280.00}. I only see the online status of the dispute, they did not send me any documents. I was informed by them that the company probably has your first and last name, which coincides with the account. Are you seriously? My name and surname on the credit card? Beware of it and open credit cards with well-known international payment systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Midway Resolution Services LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX to set up a settlement on a XXXX loan thru XXXX. When I contacted them to ask for an extension I was constantly threaten over the phone with XXXX XXXX and also XXXX my XXXX XXXX income these threats do not comply with the FDCPA ( fair debt collection Law ). I had already made a payment to them and still would not work with me also. FDCPA and TCPA where not fully disclosed and I feel as these laws where broken by this company.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WA
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XXXX XXXX 2020 I made a payment on our capital credit card in the amount of {$3700.00}, bringing my balance to {$0.00}. When my statement closed on XXXX XXXX 2020 they charged me interest on my {$0.00} balance, that charge was {$72.00}. I found this out when my online statement was sent yesterday XXXX XXXX. They are telling me that because I had a balance at the beginning of the cycle on XXXX XXXX, that is why I got charged interest. Seems very backwards to me because they charged interest at the beginning of XXXX billing period, and now at the beginning XXXX billing period. So it seems they have charged interest on the same amount twice. I got billed interest on XX/XX/XXXX in the amount of {$81.00} and now getting billed interest again on XXXX XXXX for {$72.00}. When we call the company they explain it that interest gets charged at the beginning on the billing cycle regardless of what you do during the month. Which means since I now have a balance again because of this bogus charge, I will have a interest charge on my XXXX billing cycle. Something really seems messed up about this and if this is how they are doing business, it explains why people can never get out of credit card debit. We have requested from them a credit for the {$72.00} and been told no. I have spoke to a customer service rep named XXXX, and a supervisor named XXXX. My wife has also spoke with customer service and supervisors. Calls to customer service have been made on XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: Global Credit & Collection Corporation
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a XXXX  Card and then entered into a debt counseling program. There was an outstanding balance from XXXX that was turned over to Global Credit and Collection ( Global ). My issue is with Global. I  received a letter in XXXX. I mailed a check in the envelope and stub printed and sent to me by Global. It was to a PO Box . It was returned by the USPS. I tried calling Global, I either get XXXX wanting a credit card number or I get voicemail box. No way to pay online was provided in the letter. I filed a XXXX Complaint. Global stated the PO Box is valid, but, provided a STREET ADDRESS and a web address, after three exchanges through XXXX. I attempted to pay the {$34.00} I owe online. I get a message that payments must be greater than or equal to : {$200.00}. I DO NOT OWE ANYWHERE CLOSE TO THAT AMOUNT. I do owe the {$34.00}. I tried calling XXXX  to pay them dir, but, once an account is turned over, they can no longer accept payment. Global seems to be a very unprofessional and scamming organization. Theres no business website that I could find. Requires a payment WAY ABOVE what I owe, I cant speak to someone here in the States. I have a check ready to mail, but, I am rather hesitant because I dont trust Global. Please look into this organization. Seems like a rip off, scamming organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: GUARANTEED RATE INC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Greetings, we purchased our home they Guaranteed Rate and closed this past XXXX XXXX 2022. The process was fantastic and the team we worked with was phenomenal! 

Now we are being told that our loan servicing is being transferred to a company called XXXX XXXX. As an engaged consumer I looked this company up on the XXXX website and discovered that they are a terrible company with a disastrous track record! I have called Guaranteed Rate multiple times requesting that my loan servicing not be transferred to this company. I have a list of names of many that I spoke with but they just kept transferring me to different people until I demanded to speak with their highest level supervisor. Her name was XXXX and she stated that there was nothing that could be done. She also stated that she could not tell me the name of the person or persons responsible for making this decision. 

I am a service XXXX retired XXXX XXXX and I believe that this new loan servicing company does not value any of its customers, especially XXXX  based upon their reviews. I need to know why my loan and others are being transferred to such a substandard loan servicer and why are companies allowed to transfer our loans without ensuring that the servicer is reputable? I will also be contacting the XXXX XXXX XXXX XXXX, both my congressman and US Senators, The XXXX XXXX. and the media if necessary. 

I did not serve for most of my life just to have a company that makes millions from XXXX  loans to have my loan sold off to a company that appears to make its money charging excessive fees, provide poor customer service and appears unresponsive to its customers. 

I look forward to your assistance concerning this most urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Penfed credit union has not let me make a payments online since I have balance transferred onto my credit card. The issue is that I am not authorized to add an external account to setup autopay or make any sort of payment. I have called numerous times to figure this out and have made over the phone payments in the meantime. I have been late every month due to this issue. I take care of my elderly parents and am in the process of purchasing a home to move them in with my family. I have not been told the real reason on not being able to setup online payments through their portal until XX/XX/XXXX when I called again. I had a 5 day hold on my savings account which in turn would not let me add my checking # and routing # into their website to pay my credit payments or setup autopay. This month I was more than 30 days late due to not being able to setup auto-pay I was finally told that my credit needs to be run to remove the 5 day hold. My credit was initially run to obtain a {$5000.00} credit limit card with Penfed. 

First Call XX/XX/XXXX ( Could not find the answer on why I am unable to add external account ) Second Call XX/XX/XXXX ( Could not find the answer on why I am unable to add external account ) Third Call XX/XX/XXXX. ( Finally told me why I am unable to add external 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 2017-09-13
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bottom line : I have worked with Flagstar Bank to resolve an ongoing issue about an exorbitant increase to monthly mortgage amount for the past 3 months -- to absolutely no avail or remedy. My monthly mortgage amount was {$880.00} since I 've had the loan -- and it jumped to {$1700.00}. ( With escrow spread over a longer period, it 's at {$1500.00} which was an immense struggle for me to pay this month. ) This is still entirely insurmountable for me as single mom, as it 's almost double what I 've been paying. Flagstar forced escrow, even though I had made payment to my property taxes and flood insurance. I paid {$5300.00} for property taxes -- but we paid the county at approximately the same time, so they then forced escrow. Flagstar representative XXXX XXXX said perhaps loan modification would help. I went through that process, wasting 2 months of my time -- hoping and praying that I could get a lower payment so I could actually pay my mortgage and feed my son. Then, Flagstar said that I had been DENIED loan modification, because I 'm " current '' on my loan. What on earth?! What kind of help is that? Of course, I want to be current and I do n't want my credit jeopardized! That 's the precise reason I 'm turning to them now is to work out an amenable payment plan -- and NOT WAIT for when I 'm delinquent, ruining my credit. That 's ridiculous -- and not a reasonable, prudent way to do business. I can not afford this monthly mortgage amount, and Flagstar is not working with me in a real way which will help provide a remedy for my family. I am trying to be proactive, and not spiral out to delinquency. This is not wise. I want to restructure this now BEFORE I get to a point of delinquency -- that 's the smart way. They need to work with me on a real loan modification that is approved and works for my budget. I need to be contacted immediately to see how I can rectify this. This is payment, effective as of XXXX, 2017. Please contact Flagstar at 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 2022-06-14
Company: EQUIFAX, INC.
State: IL
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 Accounts XXXX # XXXX, XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information which appears on my credit report, does not relate to any transactions that I have made and are related with my current open accounts. The following are the results of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company Midwest Recovery Systems has fraudulently and illegally placed their information against my social security number and it's causing great harm to my report. I tried to explain to this company that this account is not mine as I have not signed a contract with them. This account is fraudulent and was made without my consent. I tried to explain to this company that this doesn't belong to me. They have sent no verification of debt or a right to dispute the debt before reporting on my credit. This is the only thing on my credit profile that's holding me up and it's not my responsibility. This company is a scam and doesn't care about consumer rights. I am not obligated to pay this account as it's not mine. I will take legal action if this account does not stop reporting against my social security and is removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
PNC BANK closed out my checking account because of an issue I CAN NOT OPEN MY XXXX XXXX ACCOUNT IT AS BEEN RESTRICTED my PNC ACCOUNT WAS CLOSED OUT because of an issue with a merchant I purchased computers for my business the merchant did not deliver or claimed the packages got lost so I then did a police report pnc temporary credit my checking account I was able to take the funds from the bank and went on to purchase my items with the funds after submitting the police report and all the substantial evidence pnc bank still ruled that my account was not to be permanently credited closed it out at a negative balance and then sent me to collections. I then applied for a XXXX XXXX XXXX XXXX account because now that my account is closed I need to do banking else where XXXX XXXX  pnc as sent NEGATIVE INFORMATION OF FRAUD to XXXX XXXX and until this is corrected they will not do business with me I have attached all the evidence after reaching out to XXXX they ruled to stand by PNC Decision and found no error. Please Help ME rectify this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TD BANK US HOLDING COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2022 - received information via mail about 2 attempted credit cards being opened in my name. They were denied which is concerning as I have great credit. 
XX/XX/2022 - called both companies to report fraudulent attempts at obtaining credit card. Both companies confirmed they were attempted online. Both confirmed that my social security information, birthdate, drivers license, name, and home address have been compromised. Both companies have reported the fraudulent activities and are investigating. More information to be sent to me via mail. 
- Called XXXX, XXXX, and XXXX to freeze my credit reports. 
-FICO XXXX XXXX confirmed that my score has been negatively impacted by these activities. 
-Contacted this website : US Federal Trade Commission to report activities. 
-Currently on call with Social Security Administration for assistance on steps to take. 
-Will be calling DMV tXXXX report that my driver 's license number has been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-07
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
Do n't know who Credco, or XXXX XXXX is, nor have I authorized, or signed ANY application for ANY credit inquiry for CREDCO/, or XXXX XXXX on behalf of XXXX XXXX!!! I have been in receipt of credit inquiries for the dates of X/X/2017, X/XX/2017, and X/XX/2017 via credit alert coverage that I have through XXXX/XXXX. I have had my identity compromised, and have filed a Identity Theft report ( attached ) with my local police.

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 2020-02-26
Company: Experian Information Solutions Inc.
State: NY
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:
EXPERIAN BUSINESS CRED Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, CA XXXX I never applied for ANY credit on this date or with this company! This is NOT my inquiry. Please remove this

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 2020-02-26
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:
There is incorrect information 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 explanation
Consumer complaint received 2018-11-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please delete the accounts XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX IS REPORTING THAT I PAID 50 % OF THE BILL IN COLLECTION. THEY SOLD ME A HOT SPOT DEVICE WHICH DID NOT WORK. THEY AGREED THAT I PAY {$120.00} IN FULL TO SETTLE THIS DISPUTE AND THEY WOULD NOT FILE ON MY CREDIT REPORT. MY PAYMENT WAS AGREED UPON AND PAID TO XXXX XXXX IN GOOD FAITH.

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 2022-06-14
Company: DISCOVER BANK
State: TX
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:
On XX/XX/2022, {$20000.00} was unauthorized and fraudulently taken from my Discover checking account. I called XXXX about this issue and was told it would be sorted, and that their website had undergone a breach. I did not hear back from XXXX  for months and I was directed to contact the Consumer Financial Protection Bureau. I have contacted Discover Bank about the issue and opened an unauthorized dispute, however, they have stated that this transaction is valid and closed my dispute the next day without much investigation into the matter. It is to no fault of mine that my account had been hacked. Both Discover and XXXX are FDIC insured in the event that their system becomes breached. I only authorized a withdrawal on XX/XX/2022, for {$2500.00}. The {$20000.00} on XX/XX/2022, is a fraud charge on my account and Discover bank has not helped me in the matter to recuperate my funds as a customer of theirs. I have had calls dropped on me by Discover members when calling to check on the status of my case multiple times. My Fraud claim was opened on XX/XX/XXXX in the evening and closed via letter on XX/XX/XXXX. I believe my claim had been mishandled and Discover lines have been backed up for weeks and agents constantly drop calls making it hard for me to speak to supervisors especially since I am constantly traveling and out of state for work.

Company response to consumer: Closed with explanation