BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-05
Company: PNC Bank N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have opened a bank account at PNC Bank, last month and i have been waiting for my check book, and have not received it, but there is a check on your account that has been cashed without my permission or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: ROC Asset Solutions, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Received phone message at work from XXXX at API XXXX that I was being sued for a debt and they were sending paperwork to my employer and the XXXX XXXX. Did not identify original debt or amount or send me anything in the mail about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Braviant Holdings, LLC
State: TX
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
The company BalanceCredit.com took a payment from my bank account on a day that was n't scheduled for a payment. I have n't received overdraft fees yet but I will. 

Their address is here : Balance Credit Attn : Customer Support XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Please see attached letter from M Leonard And Associates. It seems that they have confirmed their closure of their file and have not requested that this item be removed from XXXX. Looks like a possible error.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This claim started back in XX/XX/XXXX, I lost my wallet at our local mall here, I think, and that is how it all started, someone gained access to my personal checking accounts, inflated the accounts by depositing money into them, my payroll hit during this period, and then they withdrew everything ... I lost my entire wallet so it's safe to say that my ID and everything was in there. Once the claim was filed I got reimbursed XXXX for a fraudulent ATM withdraw ( Testing the waters for them I'm assuming ). My fraud check claim was initially denied because Bank of America stated " That the parties involved benefited from these transactions '', what does that even mean!? Either way, I'm writing this in XX/XX/XXXX, still not resolved in fact, things have become even more complicated. The account is still on hold, and it is still negative, since it has been negative for so long it has gone into collections, I can't stop the collections department even though the account is " Under investigation '', I can't stop them from reaching into my other Bank of America account and taking everything but {$25.00} in my name, they have done this twice already and the second time was within hours of receiving my direct deposit. Because of this lovely automated system, I can't pay rent, I can't pay my bills, Car payment, credit cards, student loans, nothing ... and according to all 5 of the different departments I talked to today ... I can't do anything to reverse that. Bank of America has apparently not looked at any footage for that day since then and I have submitted for multiple reconsideration 's in order to help my case, I've filed a police report, I have reached out to anyone and everyone in order to help but no one seems to know anything about this current situation, as a matter of fact, everyone I've talked to that has gone through the same thing claims their issues got resolved within the first week ... What can I do?

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 monetary relief
Consumer complaint received 2015-03-29
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was sent a letter from IC Systems stating I owed a credit {$170.00}. I have a copy of the debt demand. When I disputed the debt and asked that they furnish proof that I owe this debt I was told that if I did not pay the {$170.00} then they will report me for owing XXXX ( which I certainly do not owe ). I told the agent I am an attorney and that was blackmail. He hung up the phone. I was never sent the proof of debt ( I even faxed my dispute to them ) and instead they reported to the credit bureau that I owe {$980.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Macy 's is illegally re-aging an account lasted used in XX/XX/XXXX on my credit report and reporting to all reporting agency that the account is late. They are also reporting falsified payments to bring account up-to-date. They also used an falsified date of my lpusage being in XX/XX/XXXX when I have proof last usage occurred in XX/XX/XXXX. Also, the account was bought by XXXX and has been legally deleted with 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 explanation
Consumer complaint received 2015-11-20
Company: Mobiloans, LLC
State: VA
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
Mobiloans processes XXXX transactions from my account when only XXXX was authorized. 

When I contacted them to request refund the supervisor said she would have to review call and call me back. I said I would hold. She refused saying she has calls before me, despite being on the phone with me for 15 min. I told her I was contacting the CFPB to file a complaint. THEN she said " then I wo n't be able to contact you back if you are going to escalate it to anyone '' and hung up on me!!

Company response to consumer: Untimely response
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: NJ
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:
N accordance with The Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX, XXXX XXXX Account XXXX, XXXX XXXX IN Account XXXX, XXXX XXXX Account XXXXXXXX XXXX Account XXXX, XXXX XXXX  Account XXXX, has violated my rights 15 U.S.C 1681 Section 602 A.

States I have a right to privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a Account without my written instruction.

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 2015-04-21
Company: Mel S. Harris and Associates, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had the judgment for this debt vacated in 2011 against XXXX and now this new company is contacting me about the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: United Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They continue to call my work and leaving messages, they are calling family members and harassing they claim I put my work number and reference I do not have done any and the representative was very rude and was yelling at me over the phone and told she will continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been paying my payments on time and reporting that I was late a few time when I was n't really date only for 2 days. How am 30 days late. Please have them remove the late payment which is affecting my credit score and personal life. 





















.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Federated Adjustment Company, Inc.
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My BANKRUPTCY was Approved on XXXX XXXX, and besides my Bankruptcy being on my CREDIT REPORT, there 's XXXX Collections from my Bankruptcy, that are on my CREDIT REPORT separately and I owe nothing on all of these XXXX Collections from Medical Reasons. 
The Company that did my Bankruptcy is know Bankrupt and went out of Business, so I ca n't get ahold of my Bankruptcy Lawyer to ask him how to remove these Collections from my CREDIT REPORTS.

Company response to consumer: Untimely response
Consumer complaint received 2015-03-25
Company: QUALITY ACCEPTANCE LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I contacted Quality Acceptance LLC in Febuary XXXX for a voluntarysurrender/repossession due to transmission almost completely goneI informed their collection agent XXXX, in XXXX XXXX that the car was in storage and I was fearful of moving it. I gave her the location and we agreeded that on the XXXX of the month I would pay storage call them immediately they could pickup the car and I take my possessionsthat were in the car this did not happen they picked up the car ahead oftime and refused to give me any information regarding the location of carand what I needed to pay in order to get my possessions back. I wrote to themthem XXXX times I ask them if they still had the car?? and I disputed their report that it was an involuntary repossession.After receiving my credit report asking them if they still had the car. I got no response I wrote tothem XXXX more times XXXX requesting validation of debt and XXXX goodwill/validation of debt still no response I have copies of letters and certified documentation that letters were delivered. In XXXX of XXXX they reported I owed them {$3600.00} In XXXX XXXX they reported I owed them {$5400.00} and reported it as a total loss. I have not had the car since XXXX XXXX they did not respond to my disputes that this was a voluntarysurrender/repossession initiated by me in XXXX. I have disputed this not only with the company several times but with XXXX and EQUIFAX without any results expected for them to say they investigated and It remain the same. This is not true and accurate information the car had major repair problemswithin 9 months of purchase I initiated a voluntary repossession/surrenderin XXXX of XXXX they took possession of car in XXXX or XXXX of XXXX prior to our agreement that I would pay storage, remove my possessions and call themimmediately for them to pick up car as a voluntary repossession/surrender The Company Quality Acceptance has not engaged in Fair Business Practices and XXXX and XXXX also did not engage in the Fair Credit Reporting Act in which I have the right to dispute incomplete or inaccurate information This was a voluntary surrender/repossessionwhich I have disputed since XXXX with no resultsdocumentation that I sent them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hi well flagstar was my bank they wouldnt modify my loan stated i didnt have enough income.I explain my income would go up in a few weeks They only added my income up and said i couldnt afford the morgage. I feel they could have did something to help me i had been in my home for 22yrs. and lost and walk away with nothing. Flagstar took the loan and 3 mos later is when my income drop thats why they said i couldnt afford the lloan. If i knew i could have come up with more income from a family member maybe i would had better chance. but they recommended nothing i feel im still intittled to something what a lost for me do u know of anyone to look further into my case. I was supprise to see they have to pay back so much money to consumers i wait for your response Much Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XX/XX/XXXX my identity was stolen in XXXX Nevada they moved to XXXX opened a phone in my name never paid on the bill my identity has been traveling all over recently in XX/XX/XXXX I notice a loan being taken out of n my name I do n't have loans I do n't need a loan and to top it off I have been having problems with XXXX paying my doctor bills because of their system always saying inactive when it 's active. I show several bills on my credit and I need them off because the insurance should have taken care of it I called I complained I sent the copies to the welfare office on greenbae in XXXX Nevada. They should have all my documents I should have a clear report by now I filed bankruptcy in XX/XX/XXXX because XXXX did not pay none of my doctor bills while I was XXXX and not the hospital bill rounding out to being XXXX I had to have my father pay XXXX to get me out of debt to a lawyer. And wait 10 years for t to come off I do not want to have to do that again. So please tell me what I need to do to get these bills out I am not working at this time I can not pay thousands of dollars especially when I have had insurance for and they are n't paying for 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 2017-04-03
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I HAVE A COLLECTION ACCOUNT THAT DOES NOT BELONG TO ME. I HAVE NO CONTRACT WITH 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 2015-07-01
Company: Performant Financial Corporation
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Performant recovery sent me a bill for the dept of taxation in the state of louisiana for the year XX/XX/XXXX. I filed a federal return for the year XX/XX/XXXX, and was supposed to get around {$2600.00} back. The state of Louisiana offset my federal return and applied the amount of my tax return to the amount that I owe the state of Louisiana which was {$3000.00}. I phoned the department of taxation through the state of Louisiana, and they were not able to return any information as far as my state taxes taking my federal return. I phoned the dept of offset, and they have records stating that my return was off set due to the dept of taxation for the state of louisiana. 

Now I am receiving a bill, from performant who collects for dept of taxation, and they want proof of my federal tax return being off set. The dept of taxation should automatically have that information. And on the back of the performant bill, performant is threatening to suspend my drivers license. I have the bill from them. They ca n't threaten a consumer 's driver license and have it suspended in order to collect a bill? Not to mention the fact, that the state of louisiana should of automatically received a letter in the mail, like i did, stating that my federal return was going to be applied to my state of louisiana XX/XX/XXXX return owed for that year. XXXX companies, ca n't seem to locate my information in reference to the offset. I also do n't see how performant is allowed to threaten consumers, with a valid threat of suspending licenses?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Paypal Holdings, Inc
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
I signed up for and verified my account with Venmo XX/XX/XXXX. On XX/XX/XXXX, I referred my landlord to the service and paid rent to them. The money immediately left my account but was not delivered to my landlord. I requested they call me, they refuse to call me. They refuse to return my money. They refuse to pay my landlord. I have asked for a timeline for when the " investigation '' will be completed. They a unable to provide this information. They user agreement indicates investigations will be resolved in 10 days. I have been told directly they will take as much time as they feel like to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-02
Company: Paypal Holdings, Inc
State: CT
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I was misled into applying for PayPay Credit. I did not knowingly or willingly request PayPal Credit. I submitted a {$28.00} payment request through PayPal. Possibly I clicked on some button to confirm payment that coincided with this PayPal Credit inquiry request ; however I believe this to be a misleading and deceptive marketing tactic that was not known to me. I have contacted the company to remove the credit inquiry request, but they are not able ( or willing ) to help. My credit score is negatively impacted by this credit inquiry request for credit. I am hoping that under Dodd-Frank or Consumer Financial Protection regulations that my credit score can be rectified and PayPal Credit punished for these deceptive " automatic '' enrollments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On numerous occasions I have disputed this account XXXX Now # XXXX with Experian. Upon receipt of my investigation results this account is reporting inaccurately. To date this account has not been corrected. Experian is violating my rights under the FCRA.

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 2022-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Went in and make payment on account and bought it down to {$5.00} and somehow there payment was not applied and still showed a balance what went 30 days over. I have call the company and they are not compliant with my request and it is now showing me 30 days late which I have never been.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
On XXXX of XXXX I applied in a Wells Fargo branch for a Secured credit card. This card has an annual fee of {$25.00}. On XXXX XXXX XXXX I applied for a credit card offered though Wells Fargo called the Wells Fargo XXXX XXXX XXXX XXXX. That card 's ( XXXX ) application was denied because I am not a XXXX. Because of this application 's denial I recalled that my Wells Fargo had been open for THREE years now and I was still paying an annual fee each year and the card remain a secure credit card. So I called Wells Fargo to ask if the reason my card had not graduated to a unsecured credit card because I was n't a XXXX and they informed me that that was indeed the reason. I asked for the annual fees I had paid to be refunded because the card was never going to do what was advertised as becoming a unsecured credit card in a year or more time. The representative at first informed me that XXXX annual fees would be able to be refunded however later in the call after being put on hold I was told that only XXXX annual fee can be refunded. It is unacceptable that I was never informed of Wells Fargo policy on unsecured credit cards for non-XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief