BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-17
Company: Paypal Holdings, Inc
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I had an account with Pay Pay Credit for several years. They sent me monthly statements to my email address and that would serve as my reminder of how much I owed and to pay my bill on line. For the past several months I no longer received a monthly statement ( though I would still receive an email when I made a transaction ). I occurred a late charge in XXXX of {$30.00} for a balance that was under {$130.00}. I complained to Pay Pay credit that I have not been rec'ing a monthly statement, customer service told me there was nothing that they could do and I cancelled my account. I asked Pay Pay credit customer service to start sending me a paper statement. In XXXX I did n't receive a statement and went on-line to pay my bill and again was a day late therefore I was charged a {$30.00} late fee again on a balance that was under {$100.00}! I called Customer Service again they said they could n't help me and that they would n't take off the late fee! They can not prove that they are sending me monthly statements! They are purposely not sending me a monthly bill so that I can keep paying high penalties on my low balance! They are cheating me out of money and they ARE NOT sending me a monthly bill ... I 've checked my email, junk mail and deleted mail and there has never been a statement or monthly bill sent to my email address on record -

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX2021, I walk into the XXXX XXXX SunTrust XXXX. I was down the street from my attorney office. I had just received a settlement check. Since the check was a SunTrust check and I am a SunTrust customer I did not see an issue. I deposit half in my checking part in my savings and received about 2k cash back. Friday afternoon the following day I went to the SunTrust drive thru and cash my payroll check. The bank did not alert any issues or problems. Later that evening I went to use my debit card and was told it was on hold for fraud. When had I asked why? I was told when I deposited my check at the XXXX XXXX, SunTrust XXXX the teller put a fraud alert on my account and I needed to go to a branch location. I went to the XXXX location, and they could not tell me what was going on they stated that they would issue me a new card. I was still able to pay bills and I was able to conduct business as usual. Tuesday XX/XX/XXXX I try to login to my account, and it states it is inactive. I again go to the branch they now say my account is being closed because the check I deposit is now considered fraud. I contacted my attorney office they stated SunTrust never spoke to them and stated they do not have contact information for the back-office research team that is handling the issue. They do not know when the funds will return to me or when they will return the funds to my attorney bank account. They offer no resolve, and they were asked if it seemed unusual for a check to be deposit why didn't they contact the account holder they said that's not 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 non-monetary relief
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

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 2022-05-06
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got a procedure done at the XXXX  and i had insurance and secondary medicaid. I informed hospital to send remaining balance to secondary medicaid through phone calls and letters. XXXX sent bill to collections. Letter was sent to collections to stop sending bills due to this needing to be handled by XXXX  and XXXX and more bills keep coming in stating amount owed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I carry a {$0.00} balance on my cards. Tried to make purchase ( {$5200.00} ) that was {$260.00} dollars above my citi XXXX  credit line ( XXXX ) and the payment was declined two days later. Their app does not have a high value payment process so I called Citi. The agent I spoke to would not allow my transaction to go through even though I said I would pay XXXX off immediately to bring within my limit. 

I asked for a temp line increase and she refused saying can only due a full credit reviewm which when undertaken was declined. She then asked if I could split the payment between cards. My limits with other issuers are much higher so i might aswell just use my XXXX or XXXX. 

Dont understand why Citi 's response is basically dont use our card and use another issuer - dont they want me to use their products?

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 2018-03-14
Company: M&T BANK CORPORATION
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered in loan modification program XX/XX/XXXX. I was only 9 months behind in mortgage. I am currently selling my home. the Partial Claim amount is {$66000.00} due by XX/XX/XXXX. If I am paying off the loan at the end of this month why does the amount remain the same? I've only been in the modification for XXXX this 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 non-monetary relief
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: PA
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: DISCOVER BANK
State: AL
Product: Credit card
Issue: Payoff process

Complaint:
I forwarded a payment to pay off my Discover credit card. It was received by the due date. When I received my credit card bill, instead of it being paid off, they listed an additional interest charge. I called them and they said that was interest from the previous billing cycle. I believe this is a purposely fraudulent practice by Discover. I should not have to call them to get a pay off. Their statement should tell me the date interest is charged and what it was calculated on. It should be listed on the statement for the period on which it is calculated. 

In the end, they are refunding the interest, but I would like for them to be investigated. All other credit cards I use do not use their practice. If interest is charged, it appears on the current statement for the period they are charging for. No one should have to call a credit card company to find out their payoff. 

How many other innocent consumers are paying additional interest that they should not be paying?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Last month I sent a certified letter to Experian to dispute an Account # XXXX currently being serviced by XXXX XXXX XXXX XXXX company. I filed a complaint with the Consumer Financial Protection Bureau against this company back in XXXX of 2015 complaint # XXXX. CFPB sent my complaint to XXXX XXXX XXXX on XXXX XXXX, 2015, and was suppose to get a response from this company within 15 days. Today is XXXX XXXX, 2015 and still no response. I filed a complaint with Experian Credit reporting agency and received their findings concluded that this account was validated by the collection company, but yet in still they have not responded to me or the CFPB. I am sure that Experian did not validate this account but from what I have read are friends with the owner of this collection company and are protecting this company interest. I want Experian to provide me and the CFPB with the validation information received from this company. And I want this account removed immediately from my credit records and confirmation of this sent to me immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
as of today XXXX XXXX they have the following accounts reporting incorrectly and refuse to investigate XXXX financial services account # XXXX this is being reported incorrectly XXXX XXXX probation account # XXXX they have me listed as late I have never been late and they refuse to investigate XXXX account # XXXX again another account that they refuse to investigate this is also being reported in correctly

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: Experian Information Solutions Inc.
State: WY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I was denied a consumer loan from my bank XXXX on XXXX XXXX 2017. 
Due to inaccurate credit scores provided to my bank XXXX by Experian. 
Page XXXX of XXXX sorry its upside down credit denial says my score is XXXX from experian. 
Page XXXX of XXXX My Experian credit score tracker I pay for through XXXX credit monitoring. 
Page XXXX of XXXX My Experian credit check & ID monitor XXXX bureau credit report on XXXX/XXXX/2017. 
You can clearly see the credit report I pay for is not the credit report my bank sees

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 2021-11-24
Company: ENCORE CAPITAL GROUP INC.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I reviewed my XXXX credit report and noticed that their was a collection being reported on my credit file. I contacted the debt collector Credence asking for " Validation. '' They in return respond with a simple letter with 4 lines and several pages of an XXXX XXXX XXXX bill from XXXX. 

I then wrote to them again in XXXX XXXXstating that I could not identify this information and to provide more information. Once again, they responded with a simple letter with the same 4 lines only a different date on their letter. They provided the same XXXX XXXX XXXX bill from XXXX with no further clarification, information etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
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: Credit inquiries on your report that you don't recognize

Complaint:
The following are fraudulent inquires that need to be removed : XXXX ( XXXX ), XXXX  XXXX  ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Firstsource Business Process Services, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
they keep on calling and calling. They also call my employer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
REFERENCE TO CASES : CFPB Case # : XXXX, XXXX, and XXXX As of XXXX/XXXX/2016, I still have not received a total of {$2100.00} deposited at a Chase ATM on XXXX/XXXX/2016 in my Chase account. This was due to the fatal technical problems from a Chase ATM machine malfunctioned on XXXX/XXXX/2016 during my deposit, please see the letters attached from Chase Bank and the cases that I reported at CFPB previously in the months of XXXX and XXXX XXXX XXXX, XXXX, and XXXX ). Thus, I was not able to receive the XXXX rent from my tenant. The check sender, my tenant, informed me on XXXX/XXXX/2016 that her XXXX Bank account was hacked on XXXX/XXXX/2016 after Chase Bank deposited the {$2100.00} check on XXXX/XXXX/2016. As of XXXX/XXXX/2016, per my tenant, the funds in a total amount of {$2100.00} still has NOT recovered at my tenant 's XXXX Bank, and thus I have not received my XXXX rent in a total amount of {$2100.00} from my tenant. With a successful deposit at Chase on XXXX/XXXX/2016, I would NOT experience such painful problems for months. This could be proved easily from my Chase Plus Savings account ending in XXXX over the past three years as a tracking record/history that can be verified. This is the first time and hopefully the last time that I experience this painful ATM Technical issues. It raise red flags for me to ever use Chase ATM to deposit once again. All of the deposits ( both teller and ATM deposits ) went successfully except the XXXX check {$2100.00} deposited on XXXX/XXXX/2016 with a malfunctioned Chase ATM that cause horrible experience for me. 

Overall, I am dissatisfied with Chase Bank on handling this matter that indeed caused tremendous ripple-effect problems due to the root cause of Chase ATM malfunctioned occurred on XXXX/XXXX/2016. Chase Bank has not resolved the issue completely as I still have not received the fund on XXXX/XXXX/2016. Chase Bank closed the case and refused to continue to help. The Chase Branch where the ATM located was not helpful at all from the employees and Branch Manager since XXXX/XXXX/2016. I urge Chase Bank to reopen this case and be responsible for this incident until it is resolved 100 %. Otherwise, I consider Chase Bank is irresponsible and CFPB should make every efforts to work with Chase Bank to resolve this issue at a satisfactory level in a timely manner. As it currently stands, it is at unsatisfactory level from JP Morgan Chase. I am totally disappointed and the CEO of Chase should be informed immediately about my dissatisfaction on how the matter was handled by JP Morgan Chase Bank - it is incomplete and the case was closed and Chase refused to continue helping me as their customer to recover {$2100.00} fund due to the original issue was caused by the CHASE ATM. JP Morgan Chase Bank should be responsible for this loss and reopen the case!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
XXXX2021 I sent a letter out regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a credible response yet. I feel like I am being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that a failure to properly investigate any items within 30 days gives a reason to immediately remove them from the credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands.

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 2015-12-25
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX XXXX has reported inaccurate information to credit bureaus that is affecting my chances of getting a new credits/loans. I have no account with XXXX, I have never been in XXXX for any services,, I did not even know their address until I got my credit report and no body is authorized to use my XXXX insurance card. I do not owe and I have not received any letters, validations, information from XXXX XXXX. I have called on three occasions, they have not given me any response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed incorrect information regarding a bankruptcy on my credit report. I filed a dispute in XXXX, and received a debt verification letter from Experian. I think wrote a letter to Experian on XXXX XXXX, asking for Method of Verification, XXXX XXXX, I received a generic response stating that the dispute would not be re investigated. I wrote another letter on XXXX XXXX, requesting a method of verification once again. On XXXX XXXX i received my credit report, with no method of verification. On XXXX XXXX, I called customer service and asked for the method of verification. The customer service rep said that Experian directly contacted the Courthouse and received documentation verifying the debt. I then asked why that was not included, and if they could provide the documentation from the Courthouse to me. He said they could not, because they have no documentation of verification. I asked him that since this could not be verified can you please delete the tradeline. He said they were not under the obligation to delete it since the courthouse clerk verified the records for them. I called him out on this, because i know that the clerk wont release any records to the CRA, because I asked this when I called them. It was now XXXX and he stated he would try to get me to a supervisor to get this taken care of. I was on hold until the clock hit XXXX, and he came back and said one minute, then hung up on me. This is a violation of the law, and illegal. They are reporting information, they admittedly said they did not verify. I would like to resolve this here, before I contact an attorney.

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 2016-05-02
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have XXXX recent issues with TD Bank regarding XXXX different accounts. Both complaints have to do with excessive charging of fees. The first is TD Bank assessed charges against an estate account which dipped below {$100.00} as I was in the process of closing the estate and account. The fees they charged caused the account to go into the negative. that is the only thing that caused the account to go negative. I fought that and got most ( but not all ) of the charges reversed. The 2nd item involved TD Bank clearing unauthorized charges against a business account which put the account into the negative and then charging fees for being overdrawn which made the negative balance larger. I was unsuccessful in fighting TD on reversing these charges and had to deposit {$65.00} to bring the balance to XXXX. At this point I closed the account to stop the madness. When I again tried to get charges reversed I was told they could n't do anything about a closed account. All of this is deceptive and designed to extract fees from consumers.

Company response to consumer: Closed with monetary relief