BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-26
Company: Receivables Performance Management, LLC
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:
I have already sent XXXX letters to the company in question. They have yet to comply with either XXXX. They keep calling and bothering me about some account that I know is not mine because I have never heard of this place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I applied on line for a free report because I was declined credit based on an Equifax report. After filling out all their info they told me they could not deliver it on line and I can request it by calling XXXX. After calling and inputting info, unless I was willing to pay for the report, I would have to send them all sorts of information by mail. Both efforts were a total waste of my time, Equifax should have stated online, what was needed to get the report rather than giving the impression that if I pay with a credit card I can get it now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23
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:
I sent XXXX rounds of dispute letters for unauthorized inquiries on my credit report. Never received a response back. These companies never looked into my dispute. 
Sent XXXX dispute letter out on XX/XX/21 and again on XX/XX/21 never received a response for either letter. And my disputes are not frivolous. I did attach my drivers license and social security card for verification still no response.

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 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been receiving XXXX since XXXX, I've been on XXXX since XXXX XXXX XXXX Medical Bills have been covered since XXXX To this date I have reports on my XXXX XXXX the XXXX major credit agencies won't remove saying it is too late to bill my insurance.. I submitted insurance information during the time of visit, I also have been part of a medical billing program that covers co-pay portions... I sent the information to the XXXX XXXX, also to the XXXX hospitals billing department who issued the report.. To this date I still can't get the items removed even though I had valid insurance during the time of visit... This unfair reporting has caused me to continue getting denied for a home loan during a time my county is forcing my family to relocate due to property being bought for a new local XXXX... The damage of this unfair and inaccurate reporting is causing severe damage to the well-being of my children and family...

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: JPMORGAN CHASE & CO.
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
SOLD PROPERTY IN 2010,,, HAD XXXX WITH CHASE BANK, I WAS XXXX MONTHS LATE AND HOUSE DID SELL. ASKED FOR PAYOFF AND RECEIVED NO HELP WHAT SO EVER. WAS TOLD THE HOUSE WAS IN FORECLOSURE BUT I NEVER RECEIVED ANY PAPERWORK OR NOTICE FOR THIS. CHASE ALSO HELD OUT FOR XXXX MONTHS AND CHARGED ME PENALTIES AND INTEREST THRU THIS PERIOD OF SEVERAL XXXX DOLLARS. CALLED THEM AT LEAST A XXXX TIMES AS WELL AS THE CLOSING ATTORNEY ALSO. NEVER RECEIVED ANY RESPONSE. TO THIS DAY I HAVE CALLED AND ASKED FOR ALL THE ORIGINAL PAPERWORK AND STILL GET A RUN AROUND. THEY REPORT TO THE CREDIT BUREAU THAT THE HOUSE WAS FORECLOSED ON AND THAT WAS NOT THE TRUTH. CLOSING WAS DELAYED DIRECTLY BY THE BANK IT SELF AND I HAVE TO PAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Stearns Ventures, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Using FHA to purchase a home. Lender erroneously included seller credit as part of down payment, so when it was going to be funded lender called me saying they needed more money. At this point I had wired downpayment they told me to send to title and signed title docs. Lender told me they had made a mistake and apologized, which is fine, I would send more money. Lender assured me that the seller credit would be going towards up front PMI and the additional money would go towards lowering the loan amount. Neither of these happened. When I get the final documents from the title company most of the seller credit is gone, only about XXXX dollars of the approximately XXXX that was included in the title documents I signed. Spoke with lender, they apologize and admit they messed up, but do n't really offer any recourse besides them saying sorry. To me they lied to me, promised me things that did not happen, and out of pure negligence or laziness did not put effort into informing me of what was happening or even letting me know. It is very difficult to get them to call me back or even send documentation.

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 2015-06-03
Company: PNC Bank N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a PNC Bank account 5 months ago with a promotional offer for a {$300.00} credit to my account after certain requirements were met. I did meet all of these requirements and still have not received this credit. I contacted PNC Bank and have spent over XXXX hours of my time on XXXX different phone calls with PNC Customer Service and on XXXX XXXX, 2015 I was advised that this credit would appear on my account on XXXX XXXX. It has been 20 days since then and the credit has not appeared. 

Additionally on XXXX XXXX, 2015 I confirmed with PNC Customer Service that all of the requirements were met for this promotion and that they even confirmed this with their " back-office retail escalation dept '' that everything was set and the credit would appear. 

I just this afternoon spend XXXX additional hours on the telephone with PNC Bank only to be told that they will file a " dispute '' and will get back to me in 30 days. 

This is ludicrous and upsetting that a large bank does not honor their commitments and I would appreciate the assistance of the CFPB to work with me to contact PNC Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
THIS ACCOUNT HAS BEEN REPORTING ON MY CREDIT REPORT FOR 7 YEARS AND I AM TRYING TO GET A HOUSE FOR MY FAMILY, THIS IS PREVENTING ME FROM IT, AND I WOULD LIKE BASED ON THE LAWS THAT PROTECT ME TO HAVE THIS ACCOUNT DELETED FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
PNC Bank paid XXXX of my online checks a day earlier than I had scheduled it to be sent. When scheduling an online bill to be paid the actual field is labeled SEND ON and then you can click on a calendar and select a date. I selected my payment to SEND ON XXXX/XXXX/15. It cleared my account on XXXX/XXXX/15, creating a negative balance, so now I have incurred a fee of {$36.00}. When I called PNC Bank, I was told that their policies and practices are explained in the fine print, so they would not refund the fee. So evidently, somewhere the fine print reads, any check you request the bank to SEND ON a specific date, could possibly be sent much earlier and actually CLEAR your account before the SEND ON date you requested? Well is n't that a win-win for the banks. WIN ... .their operations do n't have to be responsible or intelligent and the language they use can be deceptive. WIN ... .they can charge a fee when a payment clears earlier and makes an account negative. XXXX are collected by banks through these fees and on processes the banks have DESIGNED to produce fees. As long as they disclose their inept practices and warn the consumer that their inept practices could cost the consumer, it 's all legal? If the consumer did n't bother to read and comprehend the XXXX page legal-eze that appears before they click to sign up for a service, then any nasty thing that happens is legally the consumers fault? Is it now even legal for banks to use deceptive language, like SEND ON?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Items that are paid and closed are being reported as a 'Charged off ' status, and continue to report late payments although accounts are closed. In fact, a XXXX XXXX account that was paid in full and closed in XXXX is still reporting on credit bureau ; to be exact last reported in XXXX. 

Please review attached credit bureau and review the highlighted items. I believe this is unfair reporting and is causing me a lot of paid. 

Thank you for your attention to this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Experian Information Solutions Inc.
State: IA
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:
On my Experian credit report there appears a late payment from XXXX in XX/XX/2019. I have previously disputed this account and provided proof in the form of a chat log from XXXX customer service that acknowledges that this account was never late. Experian ignored the proof that I sent in and according to them only did an automated dispute process and did not remove this late payment

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 2015-06-12
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have Barclay closed all my accounts with out any good reason. 
The bank took all my reward ( proximately {$550.00} ) and or promotion that I have on all my accounts. 
The bank offer no solution but took away the right to charge any thing on the account immediately with out notify me first. 
The bank would not refund the membership fee that I paid on the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-23
Company: Experian Information Solutions Inc.
State: TX
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:
I have tried several attempts to resolve this matter with Experian XXXX by calling and sending certified letters. What more else can be done but to report to Congress, Attorney General Office, FTC my voice will be heard.

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 2021-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi I already have a dispute submitted with the CFPB ( Complaint ID : XXXX ) in regards with Bank of America , due to a deposit not going through due to a faulty ATM machine at the their location XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX On XX/XX/2021 around XXXX. I submitted XXXX in their ATM ( there was no suction noise the money simply just " fell '' inside ) after that the machine froze and " spat '' out XXXX dollars back and the ATM had shown that XXXX was deposited. Attached within this email is Bank of America 's decisions to deduct the credit that was given, which will be deducted on XX/XX/2021. A few details I'd like to mention like to mention ; that no receipt was given, the ATM machine kept freezing, there was no suction sound when the cash slot opened, the machine in reference is the machine outside of their business ( there are only two machines one is for pedestrians by foot and the other a drive-thru, XXXX XXXX XXXX XXXX ) I also found a near identical case to what happened to me that day, that happened to someone else hopefully this can shed some clarity to the events that transpired to me for whomever is reading. I just want the money I lost. I'd like to thank you in advance for your help. 
The link is : XXXX XXXX XXXX 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 2015-11-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank account was tied to my XXXX. My XXXX was hacked. We watched it as it happened, quickly contacted both XXXX and USAA. XXXX was able to place a stop and lock the account. USAA swore there was a stop payment in place. Two days later, {$610.00} clears our account from the fraudulent activity on XXXX. XXXX different USAA reps gave conflicting information. I was told we could have the money back in 3-5 business days. My husband was told several weeks. I was also guaranteed no checks were pending. Turns out my rent check was, I transferred funds to cover it after the fraud but USAA had already returned it, causing me more trouble. There was never a stop payment put on my account. Ever. This is ridiculous. And now I have to wait weeks to get that money back because they lied. Now I 've got to pay over {$100.00} extra to my landlord and look bad because USAA failed me. I was ASSURED that a stop payment was in place and not a dime would come out. Now I 'm left stranded and sinking because they lied, and are dragging their feet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: DISCOVER BANK
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have private student loans from Discover Student Loans ( original lender XXXX..The Student Loan Corporation ). XX/XX/XXXX, the co-signer of my XXXX loans filed for bankruptcy. This placed my loans in the delinquent category because of XXXX 's policy and were reported as negative accounts on my XX/XX/XXXX/XX/XX/XXXX credit report even though I was diligently making payments and have continued to do so from XX/XX/XXXX-XX/XX/XXXX. I have been denied online access to my account since the bankruptcy was filed and have been sending in checks each month as an established payment plan in XX/XX/XXXX. XX/XX/XXXX, after reviewing credit reports from all XXXX agencies, I wrote a certified return receipt letter to Discover Student Loans asking them to amend negative accounts since I had not missed payments. This was denied. More recently, I received an email and have been receiving numerous harassing daily calls to repay. Again, a payment plan had already been established XX/XX/XXXX and I have been making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I have already 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. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: ONLINE Information Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft and numerous utility accounts have been opened and charged up and unpaid in Texas. I have been able to clear some of these thus far and have placed a freeze on my credit. I have never lived in Texas ( have resided in XXXX since birth ) and have not given my permission to anyone to use my information. My former name is being used as well as my birthdate and social security number. XXXX XXXX XXXX XXXX {$660.00} ( reported as XXXX filed dispute ), XX/XX/2021 -- XXXX XXXX : {$420.00} ( reported as XXXX filed dispute ). I was made aware of both of these fraudulent accounts via debt collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23
Company: Experian Information Solutions Inc.
State: TX
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:
The purpose of this complaint is the let the CFPB know that Experian and XXXX have violated my right under FRCA and Fair credit and billing act. I have sent numerous letter by certified mail requesting full validation and the creditor right to collect on these XXXX accounts that I have no knowledge of the XXXX name accounts are XXXX XXXX XXXX Account number XXXX and XXXX XXXX XXXX  Account number XXXX. Please ask the bureaus to send the requested info as I have the right to know under these two laws

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 2021-11-23
Company: EQUIFAX, INC.
State: SC
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 information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: CURO Intermediate Holdings
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is a pay day loan that had a court judgement for 2 years with threats of garnishment if I missed a payment. I got a court judgement XX/XX/2020 that it is paid in full and the judgement satisfied and the company Speedy Cash refused to remove off my credit record when I disputed it with XXXX. The dispute came back and said it will remain on my credit record and I dont know how long. After 2 years of threats of garnishment and I paid them off after they have been on my credit record for 6 years, if its paid in full and closed it should be removed from my credit record. Its no longer necessary to continue to drag my credit when I got them cleared through a court order. Enough is enough!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Collections account was paid in full and has not been removed from 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 2020-04-09
Company: TekCollect Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My complaint is regards to XXXX XXXX reporting inaccurate information on XXXX XXXX XXXX consumer credit report. As of XX/XX/XXXX, this account with XXXX XXXX XXXX XXXX shows an open account. I have disputed this account multiple times, and I ask XXXX XXXX, and XXXX XXXX to validate this debt. As of XX/XX/XXXX, XXXX XXXX or XXXX XXXX has not validated this debt. XX/XX/XXXX, I reached out to XXXX XXXX and spoke with XXXX the representative at XXXX XXXX, XXXX confirms there is no balance in their system shows for XXXX XXXX. XXXX than transfer me to a XXXX and he confirms there is no balance shows delinquency in their system for XXXX XXXX. Also, reach out to Tek Collect Agency, I spoke with XXXX the representative ; I asked XXXX to validate this debt of {$290.00} that shows on my consumer credit report because I do not recognize this debt. XXXX ask me to follow up with her within two weeks, she needs to reach out to XXXX XXXX to get documentation for this debt. XXXX confirms she did not have any documentation in their system to validate this debt. XX/XX/XXXX, I called back to Tek Collect Agency and I spoke with XXXX XXXX she asks me to call back around XX/XX/XXXX here system has no documentation to validate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation