BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: Block, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account was closed without notifying me and when I tried calling no one could give me details as to why. Ive asked multiple times to speak with a supervisor and I was denied that by every representative I spoke to on the phone. Before I noticed my account was closed, they made be order a new debit card and I did. Two days later I tried to use the temporary debit card they had gave me on the app and it declined for unusual activity. Thats when I contacted customer service but I was told my account was closed and they couldnt provide me details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Synergetic Communication Inc
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill in the mail from : XXXX XXXX XXXX XXXX. 
XXXX XXXX. XXXX XXXX  XXXX XXXX, TX XXXX Www.syncomcorp.net Phone : # XXXX Fax # XXXX Account # XXXX Current creditor : XXXX XXXX XXXX XXXXXXXX Client Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX 
The Debt collector is stating they are collecting a {$7200.00} debt for original creditor in that amount. I have no idea who any of these companies are nor did I do any business with any of them. I have never obtained any services and/ or products nor did i ever request any loan or credit with any of them ever. They do not give any information of what the balance is for and when the date this account was originally opened or where. It just demands that I pay {$7200.00}. They have been threatening calling my phone and wont tell me who they are or anything. They have lied to me telling me that they are XXXX XXXX XXXX and have started filing criminal charges against me but wont tell me for what without me verifying my identity over the phone, which Im not going to give out any of my personal information to someone calling me and threatening me but wont even tell who they are or what its about. They have recently found and got in contact with my brother at XXXX in the morning telling him that Im in serious trouble and he needs to have me contact them immediately at a completely different number then the number used to text him. They have since then also text message me in the middle of the night harassing me stating I need to contact them immediately but still have not ever said who they are or what this is about. They continue to call my cell phone daily and tell me that they are a law firm and Im in serious trouble and demand i verify my identity without telling me what its about and I refuse to give them any information and disconnect the call everytime. I have blocked there number but they are now calling from another number which is also now blocked but still shows up on my caller id as a blocked missed call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Southwest Credit Systems, L.P.
State: NJ
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 recently started looking at my credit report and noticed this collection account, which I was not aware of. It's from SouthwestCredit on behalf of XXXX. This is NOT my account, and I DO NOT owe this debt. I have been with XXXX XXXX XXXX XXXX. 

I called SouthwestCredit to ask for more information regarding this debt, and I was met with passive-aggressive threats of legal action. The operator contradicted herself by saying that this account was already in litigation and offered a settlement amount in order for this to be resolved. I know this is false and misleading, as it is clear that if something were in litigation, they would not have spoken to me. 

I want to be clear that I initiated communication and requested correspondence and clarity regarding this debt. A week after I requested it, I received a bill from Southwest on their letterhead and it doesn't provide proof that this belongs to me. Attached is the bill I received from this collection agency. I am 100 % positive this debt/account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit bureaus are reporting erroneous information that is ruining my credit, I demand that they remove all badly reported negative accounts on my credit, and I need them to send me proof of the investigations in place.

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 2016-07-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX is reporting a charge of {$120.00} on my Equifax credit report showing open still.They have not reported this charge since XX/XX/2016 and they informed me that they would close the account but it still shows open on my Equifax report.Their address is mentioned below : XXXX, NY XXXX Telephone No : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was hospitalized XX/XX/XXXX and had a deductible of {$3500.00} from my medical insurance company. 
I was paying the hospital directly, but when I called to get my balance, I was told that they did not have any information. I was then contacted by a collections agency, Progressive Mangement Systems. That was in XX/XX/XXXX. 
I made arrangements to pay XXXX per month. 
I received an itemized payment summary and one is for {$1700.00} and another for {$3800.00}. 
I have been unemployed since my illness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: CASH AMERICA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX keep sending me letters, saying I owe them money for ( Cash America ) I do not owe them anything, and do n't even know who they are! Oh, and they ca n't provide me with any information I request and then hang up!! They are trying to scam me and other people, making them believe they owe money!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
There was a tradeline on a 2011 XXXX credit Report from " GMAC XXXX '' I never had a mortgage with GMAC. 
I called a number for what I thought was GMAC and was told it was Ocwen and that they had just bought out GMAC. 
The person I spoke to asked me if I had a mortgage go into foreclosure. 
I told them I had not, but there was possibly a mortgage in foreclosure on a relative 's house who had died, but the loan was not in my name. 
He claimed to have nothing under my name, SS number or that of my relative 's. 
He could not explain why MY credit was pulled then. 
He suggested I send a copy of my credit report with the inquiry on it. 
The address I was given is similar to another address for a XXXX account that was an another of my credit reports, also not mine. 
I never sent it because something just did not sit right with me over this situation. 
I called another day and was told it had something to do with a checking account-not clear what it was. 
I have on my notes " XXXX XXXX '' and " XXXX XXXX '' but not sure who they are-reps maybe? 
Was also told to call XXXX XXXX-they were of no help either. 
The address on the inquiry is GMAC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA I put down GMAC as the property address because I do not know the property address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX I invested my XXXX into multi-residential apartment units and financed it through PNC Bank. My loan # is XXXX, under my XXXX complaint organization called XXXX. Over the last few years I tried to refinance this loan at existing interest rates which were 3 % -5 % points lower than my existing loan at 6.75 %. XXXX of my attempts were rejected. Over the course of 8 years I 've paid XXXX of XXXX of dollars in interest but principal amount have been reduced by only $ XXXX. After the economic downturn in XXXX, the interest rates dropped and so I wanted to protect my XXXX and leverage the low interest rates, but PNC rejected my requests for refinance, and continues to charge me high interest rates. I also suspect that with the current 6.75 % interest rates, the calculations may be compounded by additional charges which I do n't understand and this could be reason why it is not making a dent to the principal balance. Since the original investment came from my XXXX I want to protect this investment, but at this time I think I am going to be losing a substantial portion of my retirement income since PNC is not ready to refinance. I am XXXX years old, and have little runway to ensure that my retirement income is protected. So need your help to ensure PNC loan practices are in line with standard financing practices, especially those that apply to XXXX investments. During the economic downturn and even to the current day, my XXXX organization, XXXX XXXX has lost money each of the last 8 years. PNC cooperation in refinancing my loan in XXXX, XXXX could have saved me XXXX of dollars in interest payment, and helped me break even at least. I 've not missed a payment on the loan since XXXX, and was hoping PNC would take this into account in refinancing my loan as early back as in XXXX, when commercial loan interest rates were falling. 
Looking for some interest rate relief and retro relief too, as a special case since my retirement investment via XXXX was designed to be my retirement income, in a couple of years time when I retire.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: Paypal Holdings, Inc
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I sold an item on E-bay and the buyer deposited my money in PayPal. When I tried to with-drawl the money I received the following reply. 

Why is my account access limited? 
Your account access has been limited for the following reason ( s ) : XXXX XXXX, XXXX : We need a little bit more information about you to help confirm your identity. 
( Your case ID for this reason is XXXX. ) XXXX XXXX, XXXX : Before we can offer you certain products and services, federal regulations require that we collect specific information to verify your identity. This information includes your name, address, date of birth, and National Tax ID or Social Security Number. We have n't been able to verify your identity using the information you provided, so we need some additional documentation from you. 

Until this issue is resolved, you 'll be able to log in to your PayPal account but you might not be able to add money to it or use some of your account features. 

( Your case ID for this reason is XXXX. ) I tried to resolve the situation and get money money but PayPal will not release it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Credit Reporting Agencies is reporting a late payment for XXXX XXXX XXXX  and a payment was not due. See Attached. 

Credit Reporting Agencies is reporting a late payment for XXXX and the payment was made on time. The payment was not late. See attached, XXXX XXXX XXXX was not ever late. 

XXXX XXXX failed to produce signed credit card application bearing my signature and photo identification. They reported errors on this account every day for thirty days. They failed to properly authenticate that opened this account. Credit Reporting Agencies fail to remove the bogus account and to cease any erroneous reporting by them.

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 2022-11-21
Company: PNC Bank N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX XX/XX/XXXX, PNC sent Thank You note to my home address for opening three accounts ending in XXXX, XXXX, and XXXX. I did not open these accounts. So, I called PNC at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to alert them to minimally a customer care issue assuming these are legitimate accounts, or potential fraud in the event they are not. 

I followed up with PNC on XX/XX/XXXX at XXXX XXXX  XXXX and was directed to XXXX XXXX XXXX XXXX by XXXX. PNC said that they could not legally give me any explanation. They said that if it was in error for a legitimate business event, the account owner would eventually call in and correct. 

This leaves assurance that no fraud associated with any of the personal SSNs, or business EINs associated with this address unanswered. PNC assured me there was nothing more they could do for me. I asked for address that I could send a certified letter confirming I had alerted PNC to the potential fraud. They were not able or willing to accommodate me on that. So, I am notifying CFPB to the fact that there is potential fraud on three accounts at PNC.

Please provide direction if there is more that I should be doing to alert appropriate authorities to minimize losses to myself, members of household, my heirs, or estate as well as everyone who has a financial relationship w PNC.. 


Kindest Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The credit reporting agency keeps publishing that I was delinquent in making my mortgage payments years ago, lists XXXX different mortgage companies with the same account number during the same time period, and continues to delay correcting those discrepancies despite my multiple disputes of their published records. I will attach the credit agency 's XXXX response to my dispute which is clearly nothing more than a discouraging delay tactic that contains no helpful information pertinent to the resolution of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently received a call from the number from XXXX about some unpaid debt from XXXX. I called XXXX to confirm I had a zero balance. They have confirmed that. So I believe this call was a scam.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XXXX/XXXX/2015, I submitted a dispute online with Equifax to update my credit report that I paid an original creditor in full on a collection listing showing on my credit report. I also sent a letter dated XXXX/XXXX/2015 informing them of the same information. I paid the original creditor, XXXX, on XXXX/XXXX/2015, in full in the amount of XXXX, confirmation number of the payment is XXXX. Upon checking status of my dispute on XXXX/XXXX/2015, Equifax has updated the collection listing to show that the collection amount was 'Paid/Closed ' through the collection agency. I did not pay the collection agency, XXXX XXXX XXXX, I paid the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2022 I reviewed my credit report and notice that there was a derogatory mark on my report from Credit Collection Services which was placed on XXXX. Many of my rights have been violated by said company. Pursuant to 15 USC 1692c ( a ) without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I, XXXX XXXX did not give this company notice or permission to contact me on this alleged debt. 
Furthermore, this company has contacted my cellphone without my permission multiple times throughout the day which is harassment. Pursuant to 15 USC 1692d ( 5 ) causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$2500.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$2500.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$2500.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Best Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Equifax - I can not access my credit report or file a dispute on line. Every time I answer their verification questions I am told my answers do n't match their information. However, I am able to pass the verification questions for the other XXXX credit reporting companies. This has been an ongoing issue for at least a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
after being denied a home loan i pulled a credit report, and found this collection. I was not informed of my right to dispute allowed to set up payments or informed before added to credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
When I opened my XXXX XXXX account, I noticed there was a credit card opened in my name from American Express. I have never applied for or opened a card with them and do not have possession of the credit card in question. XXXX XXXX informs me it was opened in XXXX XXXX XXXX It has never had any charges on it and it has a credit limit of {$8000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of last year, I switched from paying monthly to bi-weekly with XXXX extra payments to be paid each year. I was told by a Wells Fargo customer service representative on XXXX XXXX that the extra payment of {$970.00} I made in XXXX ( Please see attached copies of my bank statements ) would be applied directly to principal ; however, when I called in XXXX of last year to ask why the extra payment had not been applied, I was told that the first payment toward principal would not occur until XXXX and the second in XXXX. 

My questions are : Why was the extra payment I made in XXXX, which is clearly shown in the attached bank statement, not applied to the principal immediately? Especially since I was told that this is what was going to happen? In past experience, as this is not the first mortgage I have had, each time I made an extra payment toward principal, it was applied immediately and it also affected my long term payment plan. Moreover, what happens to the extra payment I paid in XXXX? How on earth can they get away with 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 2016-10-24
Company: Bayside Capital Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My mother got a phone call from Bayside Capital on Monday XX/XX/2016 for an attempt to collect a debt for me. First of all our phones are connected. I am listed so if anyone wants to contact me they can. When I called this company back they had my last XXXX digits of social and my current address. I asked XXXX why they would call my mom repeatly and he refused to answer and hung up.

Company response to consumer: Closed with explanation