BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-12
Company: EQUIFAX, INC.
State: NM
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 XX/XX/2019 I disputed an account on my credit report with a factual error with XXXX  / XXXX XXXX which came back verified even when I have a letter from the creditor in dispute that I will attach to this dispute saying that the account is no longer with them, so then how did EQUIFAX verify this?????? EQUIFAX has failed to do a proper investigation. I demand that EQUIFAX provide the method of verification under section 611 of the FCRA or delete this account immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am not a third party or a company, I am a victim of identity theft please attached Driver License and my passport, my social security card I lost a few years back.

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 2015-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Credit card
Issue: Billing disputes

Complaint:
I had a dispute with a merchant regarding a hardwood floor I purchased. After spending several months working directly with the merchant, I contacted Bank of America to dispute the charge. After their investigation I was credited with the purchase price of the flooring. This decision was disputed by the merchant. I was given until XXXX XXXX to respond to Bank of America 's request for additional information. I did not receive Bank of America 's letter in the mail stating this deadline until XXXX XXXX. Upon calling Bank of America and requesting additional time, they stated that I was late in my response and that I had lost my case. I spoke with multiple individuals in the Claims Department, all of which regurgitated the same response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
JP Morgan Chase and XXXX XXXX in the Executive Offices are being uncooperative and refusing to provide me with the names of everyone who has ever looked into my account, who their supervisor was/is, and who the regional manager was/is. 
Why these employees looked into my account, the dates they looked into my account, and who the regional manager was/is for those people. This is my account and I have every right to know who has been searching my personal/private financial account records. 
XXXX XXXX will not return my phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: Paypal Holdings, Inc
State: GA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I had used PayPal for many years for online purchases and payments for my kids ' activities, etc. Paypal charges always went to a credit card that I had set as my default payment. Last year sometime, unbeknowst to me, Paypal opened a " PayPal Credit '' account and put a {$60.00} charge made by my wife onto that credit account rather than to the card I had specified. They did not bill me for the amount until several months later, at which point late fees and interest had driven the balance over {$100.00}. I called and was assured the late fees would be removed and that if I just paid {$64.00} for the balance and interest, that would square things. I closed the account and sent them the money. Now, several months later, I received another bill for {$130.00} for late charges and interest accumulated on top of late charges. I called them and they refused to waive the fees. I never authorized the account. I paid for what my wife bought plus usurious interst ( {$4.00} on a {$60.00} balance for a few months ). They cashed the check. I do n't owe them any money, but they continue to demand that I pay, having referred my account to collections. Their practices are deceptive and/or fraufulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-19
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over the past month, BB & T and Sun Trust Banks have merged to form Truist. Truist bought or obtained XX/XX/XXXX of conventional mortgages in the process. Truist then forced everyone to switch to their online platform and app in order to make payments for all mortgages, because they have no brick and mortar stores ( only online ). The Truist App and the online Truist platform do not accept online payments because the designs are flawed. I have tried to submit payments online and via the app every day since XX/XX/XXXX and the website and app just crash. The only way to submit payment is to call and wait hours on hold before you can talk to a person and submit payment. On the phone call, the tech support state that they know about the issues, that they receive calls all day about the app and website not working, and yet they have no resolution. Truist should not be allowed to buy and service loans if they are unable to provide a platform to help customers pay, track payments, and get the help they need. They certainly should not be allowed to charge anyone a late payment penalty or report missed payments to the credit bureaus if they don't have a way to make payments. Truist should be shut down immediately.

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 2022-08-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Calling multiple family members and leaving threatening voice-mail related to a very old HSBC account that was charged off over 10 years ago!!! 

Threatening to go to my employer. 

Repeated harassing phone calls. 

Asking for my SS # and Date of Birth # XXXX Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express routinely bombards me with phone calls with offers, such as " free '' hotel stays. They are NEVER free. I told XXXX to stop the calls, and yet they persist. More recently, they called telling me, that because I was a " good customer, '' they were awarding me XXXX bonus points. The call came from a person with a heavy accent. When I asked where she was calling me, the line was disconnected. American Express refuses to stop these calls and refuses to live up to any of its promised promotions. I already have canceled some of my accounts with American Express and in the coming months, will cancel the rest. But I know that means nothing to such a huge company. They need to be made to held to account for such shameful -- and fraudful ( is that a word? ) marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2016-01-18
Company: Cedars Business Services, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Have a letter from CEDAR Financial saying I owe {$56.00} to creditor " XXXX XXXX '' FILE # XXXX. 

I 'VE NEVER SET FOOT IN THE COUNTRY OF XXXX. THEIR CONTACT, WITH NO EVIDENCE, PAPER TRAIL, OR RESEARCH IS LACKING, AND WILL NOT BE THREATENED BY THEIR ATTEMPT TO COLLECT THIS DEBT! 

CEDAR FINANCIAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: NC
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:
I previously sent 3 dispute letters to Experian asking them If it's not too much trouble be prompted this is my THIRD WRITTEN REQUEST and FINAL WARNING that I completely expect to seek after prosecution as per the FCRA to uphold my privileges and look for help and recuperate every single money related harm that I might be qualified for under Section 616 and Section 617 with respect to your proceeded with resolved and careless resistance. 
Notwithstanding two composed solicitations, the unconfirmed things recorded underneath still stay on my credit report disregarding Federal Law. You are required under the FCRA to have a duplicate of the first  lenders documentation on record to check that this data is mine and is right. In the consequences of your first examination and ensuing reinvestigation, you expressed recorded as a hard copy that you " confirmed '' that these things are being " accounted for effectively ''? Who confirmed these records? You have NOT given me a duplicate of ANY unique documentation ( a customer contract with my mark on it ) as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) (  A ). Besides you have neglected to give the strategy for check as required under Section 611 ( a ) ( 7 ). It would be ideal if you be exhorted that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " instantly DELETE all data which can't be confirmed. ". In the dispute results Experian responded back for the past couple of months, telling me they are not going to reinvestigate until I send them more information about the student loans and medical account. These following accounts needs to be deleted because Experian couldnt validate these accounts : US Dept of Ed : XXXX, US Dept of Ed :  XXXX, US Dept of Ed : XXXX, US Dept of Ed : 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 2016-09-08
Company: Couch Conville & Blitt LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received any documentation that the debt was sold or given a right to dispute. The item was parked on my credit and when i contacted them the only option they gave me to resolve this was to pay it. I tried to explain the debt wasnt mine and that I would be willing to settle it out of DESPERATION ONLY. I offered XXXX which was accepted and then never processed. I have since called them 37 times. Their legal representative XXXX XXXX XXXX refuses to return my calls. I NEED THIS ACCOUNT DELETED immediately as they are clearly PARKING it on my credit and not allowing me the opportunity to resolve this VOLUNTARILY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I obtained a {$35000.00} XXXX Loan with Bank of America in XXXX. This loan was solicited to me as a fixed rate, 60 month term loan. However, the loan was converted in XXXX or XXXX to a revolving account without my consent. I have tried unsuccessfully to resolve this issue with the bank to no avail. From documentation I 've received, the bank does n't know how much the loan was for or the APR nor the terms. I 've received letter stating the loan was for {$35000.00} then another XXXX saying it was for {$37000.00}. In addition, I had a Bank of America credit card during this same time and all the terms and conditions on this loan mirror my credit card. Based on my bank records, I have paid over {$70000.00} on this loan. It seems predatory lending at it 's best. I have researched online and I am not the only customers with this experience with this type of loan from Bank of America.

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 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ftc violations attached and case studies pertaining to my case as follows : XX/XX/XXXX - The 4,500-employee company, which started in XXXX, started offering credit to consumers in XXXX. These lawsuits allege XXXX 's violated federal telecommunication laws prohibiting telemarketers and debt collection agencies from calling consumers ' cell phones using automatic dialing systems without their express consent. 

The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.

The federal fair lending lawsthe Equal Credit Opportunity Act and the Fair Housing Actprohibit discrimination in credit transactions, including transactions related to residential real estate. ... Lending acts and practices that are specifically prohibited, permitted, or required are described in the regulation. ( violated my civil rights or lied to me ) Truth-In-Advertising. ... The Federal Trade Commission ( FTC ) regulates advertising and marketing in the United States and has the authority to file lawsuits and impose penalties against companies that do not comply with its rules. Generally, the FTC requires that : Advertisements are truthful and not deceptive.XX/XX/XXXX all companies listed violated all the above FTC violations

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 2015-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage loan is currently serviced by Bank of America. I have applied for a HAMP loan modification on numerous occasions. Recently they issued a denial citing negative Net Present Value XXXX NPV XXXX as the reason - see attached. The principal component of the NPV denial is not described, leaving invalidity to their claim. I have asked them to clarify their reason for NPV and they have failed to respond. I also filed an appeal on this matter ~ see attached. Per my conversation with XXXX in the appeals department ( ID # XXXX ), B of A is refusing to acknowledge the appeal and address it. Bank of America is in violation of the National Mortgage Settlement due to the lack of transparency during the HAMP underwriting process. It is clear that they are motivated to foreclose due to the $ XXXX equity in my property. Per HAMP guidelines, I should definitely qualify under HAMP Tier 2. I do not want to lose my home and I am seeking your assistance on this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Pioneer Credit Company, Inc
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This person claiming to represent pioneer credit called both my children and discussed a debt that i supposedly owe this company. This loan is not only XXXX years old ... it was paid off with my XXXX insurance i took out on the loan

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 2020-06-10
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I contacted paypal on multiple occasions to file a claim against a seller who is registered with them to receive payments in exchange for services sold online. I placed an order with an authorized Paypal seller, XXXX on XX/XX/XXXX. The transaction payment was processed through Paypal on that date. On XX/XX/XXXX, Paypal sent me an email to notify me that the seller provided XXXX tracking details. When I viewed the XXXX tracking details they indicated that the package was delivered on XX/XX/XXXX. The XXXX tracking portal only confirms delivery to the city, state and zip code. XXXX does not provide complete delivery information such as address and recipient name via the online tracking number portal. I did not receive this package. After receiving no response from the seller XXXX, I contacted Paypal, as they provided the tracking details. I notified Paypal that I never received the package. Further I notified them that I had contacted XXXX to confirm that the recipient and sender details associated with the tracking number do not match my information ( as the receipient ) or the seller XXXX ( as the sender ). This information is available to XXXX employees, but not via the online tracking portal. I expressed my concerns that the seller provided a stolen tracking number with the intention to make it seem as though they sent a product to me that they did not ship. Paypal will not further investigate my claim on the basis that a tracking number was provided that confirms delivery to my city, state and zip code. I asked Paypal to verify with XXXX that the full recipient details do not match mine, so that they could recover the funds that they paid to this seller and they are refusing to do so. I am escalating this complaint to your agency because this is a growing scam that is affecting many Paypal customers and they are not willing to do more to investigate the claims of customers in order to resolve these instances of fraud. 

The transaction details are as follows ; Customer Transaction ID : XXXX Seller name : XXXX Seller Web address : XXXX XXXX Date : XX/XX/XXXX XXXX Tracking ID : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-04
Company: ZIONS BANCORPORATION
State: AZ
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
On XX/XX/XXXX I reached out to XXXX XXXX XXXX, the President of Zions Bank. I was providing feedback and was explaining my past situation. It was not even 16 hours later, I received a alert from XXXX about ZIons Bank pulling my credit. I called to find out why, and was eventually contacted by a gentleman who claimed to want to " settle '' a very old account. I explained my inquiry and this gentleman accused me of working for the State of Arizona, I told him I had been XXXX since XX/XX/XXXX. He then discussed trying to take my home. I told him we were doing a rent to own situation, and he claimed he had government information stating to the contrary. I was being treated like a criminal. I never even consented to them running my credit. For that matter, I never even provided identifying information. I gave my first and last name. I never provided a date of birth, social security number, address, nothing else. I think these people would take money from a XXXX persons hands. I have been XXXX for several years. It will eventually lead me to my early death. How many of the banks customers are treated like this. I did not ask to become ill. I believe that this should also be sent to the Federal Trade Commission, I remember receiving a post card in the mail about an action against Zions Bank. I believe I was involved in a class action suit against them. Maybe they should be investigated again.

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 2020-06-10
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Only after running a credit report did I find out I had a medical bill in collections. I was notified on XXXX by the lending agency of the credit report. I called Kansas Counselors, Inc ( KCI ) on XXXX and left a message requesting written notification of the attempt to collect the debt as I had not received such notification. I have not received any notice nor communication from KCI to date. This debt originated at XXXX XXXX XXXX XXXX, moved to their billing group XXXX then onto KCI.

Company response to consumer: Closed with explanation