BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed an online dispute and I also wrote a dispute letter to all three credit bureaus, XXXX, XXXX, and Transunion, with partial correction. My mortgage account has been paid in full since XX/XX/2021, when we sold our home. We are currently trying to buy our forever home, but until this mortgage account is corrected we can not get pre-approved for a home loan. At first the account was still open, they have since reported it " closed, paid in full ''. The other issue is that they are reporting a 30 day late payment for XX/XX/2021, but under the report it lists the payment history and states XXXX 's payment was on time with a payment made XX/XX/2021. That payment is being reported as XXXX 's payment, when we did not make a payment for XXXX, because we were in the process of closing on the home we were selling. So XXXX 's payment was made XX/XX/2021 and was not 30 days late. All 3 credit bureaus changed the account status to " closed paid in full '', but did not correct the late payment error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to settle this matter and Portfolio Recovery Associates have ignored every request for verification dated inXX/XX/XXXXasking for verification and they continued communication and reporting on an unverifiable account until XX/XX/XXXX when they just deleted the account and said nothing they brought the account back the following month and clam it never happened I then sent mail via Certified receipt on XX/XX/XXXX it was received and has not been deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: PNC Bank N.A.
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
PNC Bank is continually causing issues with my bank accounts. I had to close an account because they kept switching transactions around to cause my account to become overdrawn. I was told to watch my accounts closely so that I am not the XXXX causing overdrafts. Recently, before leaving home, my accounts ( Reserve and Spend ) XXXX had positive funds. I went out for the evening, realized that I needed to transfer funds from XXXX to spend to cover my activities of the evening. I made the transfer and again checked both accounts. XXXX accounts had a positive balance. When I woke up, XXXX accounts were overdrawn!!! This was confusing and angered me. Because of the bank messing up my account, I had a small check come through that they returned for NSF and then charged me an OD fee. It has been a down hill battle since Thursday XXXX XXXX. I have sent them XXXX complaints and all I am being told is they are looking into it. NOW they have XXXX of my accounts in the negative and when looking at the transactions, they have them completely in an order that will only benefit them to keep returning things and charging me OD fees. With online banking, they constantly change the order transactions occur so from hour to hour or day to day, the account never looks the same. They tell us to keep track and watch our accounts but that does n't help when THEY manipulate your account to benefit them!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: PNC Bank N.A.
State: IN
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a loan in XXXX 2016 w PNC Bank, their loan # XXXX. The appraisal came back great, 40 % loan to value, and after I paid for the appraisal as well as documents from the condo association ( {$750.00} ) I was given conditional approval per the processor. The last step was the condo association be approved by PNC Bank. After 4 weeks, they decided the would not approve the condo, and closed the file. Finally, on XXXX XXXX. By now, my chances of refinancing are lost because of their processes. Approving condo should have been the XXXX step - not the last. Now I have lost the opportunity to refinance at that rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been disputing this bankruptcy on my report for months I have not given any verifiable information as to how this bankruptcy was placed on my report the court information is inaccurate on my bankruptcy and furthermore judicial factions do not report public records to and consumer reporting agencies which means my personal information was given without my consent at this time it has been longer then thirty days and I have not received any documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been disputing this bankruptcy on my report for months I have not given any verifiable information as to how this bankruptcy was placed on my report the court information is inaccurate on my bankruptcy and furthermore judicial factions do not report public records to and consumer reporting agencies which means my personal information was given without my consent at this time it has been longer then thirty days and I have not received any 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 non-monetary relief
Consumer complaint received 2017-02-10
Company: Moody, Jones & Ingino, P.A
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
The attorney placed a lien against me in error. They acknowledged that they did this in error after assuming that I was married to the other party involved that they could legally attach the lien to. They told me via telephone and email that even though the debit is not valid, instead of paying them {$2000.00} for the debt I do not owe, I would need to " voluntarily '' give them {$2000.00} for them to remove the lien that they placed against me in error. They also advised me to contact a title company with full knowledge that they were the ones who placed the lien and the title company had nothing to do with it. All of their phone calls are recording per their automated system, so they should be able to verify this information as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have an account with coinbase since XXXX and I invested more than 10k on crepto currency. Around XX/XX/XXXX I couldn't access to my account at all I did everything to contact coinbase customer service and fellow all instructions on their website like help! But with no results or help. I have no choice but make complaint with cfpb and other agency include SEC or probably get my own lawyer. I work in XXXX XXXX where their offices located but all lies I visited one by one and was closed even before pandemic this company is ghost company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: JPMORGAN CHASE & CO.
State: AZ
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:
This account was opened at an address previously owned by me ( XXXX-XXXX  ) and sold 10 years prior to the account being opened ( XX/XX/2016 ). The issuing company stated that all mail was sent there, however, because I had sold the property 10 years prior to, I would have had no idea that someone opened an account fraudulently in my name. In addition to this, this account was opened around the same time that I was notified that I was a victim of the mass security breach within XXXX  credit services. By comparing my credit history with all other accounts that I have opened, it is clear that this is not the type of history that I have built. Why would I spend as little as {$300.00}, not pay it off and let this linger on my account for 7 years and negatively affect my credit rating for such a small amount of money, when all other accounts have been paid satisfactorily over this time? I have requested an investigation by JPMCB, but their only response is that " because the statements were not returned to them, they deemed the account valid. '' They did not compare dates of the address that the account information was sent to or acknowledge that the statements were sent to a property I hadn't lived at in 10 years. I have been unable to get them to respond to any further information regarding the account. I have filed disputes with all three credit reporting agencies, but unable to get any response, other than a statement that the issuing bank has deemed this creditable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
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: Account information incorrect

Complaint:
I would like this to be taken very seriously as I 've been working extremely hard to clear up and clean up my credit ; Prior to my credit updated via XXXX XXXX, I had a XXXX via XXXX + XXXX on my TransUnion, My new SECURED CC had yet to report ( The balance is less than {$33.00} ( It 's now showing {$190.00} ) ) - However I also still had a collection on my account prior to it updating. 

The final collection account was finally removed ( So I had nothing remaining in collections when it updated ) and my secured card finally showed up, somehow my TransUnion dropped 25 Points to a 515 ; and My XXXX dropped 62 Points to a XXXX. 

Keep in mind, there 's no more collections after I had a TON of collections removed etc and cleared up, Additionally I got a new CC ( Secured ) and have less than a 25 % current balance on that card. 

I was expecting my scores to skyrocket, instead they 've tumbled. WHY is this exactly, I really do n't understand, I 've done everything to clear this up and get this fixed. It does n't make any sense.

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 2021-12-31
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a pending deposit of XXXX coming from my ssdi check, which is direct deposited. Any other time, such as with XXXXXXXX XXXX check my money is available on the Friday beforehand. My account is already overdrawn. I have yet to receive access to my funds based on navy Federal credit union internal policies regarding ach deposits and access to those. 
Questions ignored by the representative I spoke with : did y'all change the processing times ; are y'all behind because of the holiday, why is it being treated as a paper check based on funds availability. Legit was told that the holiday would Delay access to my direct deposit. So now it's the holiday weekend, the XXXX of the month, & the last part of the year & somehow my money isn't my money. This is domestic terrorism. I recently had a negative interaction at a food shop with someone claiming she was navy across the street  from the bank and 3 weeks later? This. Believe she's a banker. XXXX hair. XXXX cut.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
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: Information belongs to someone else

Complaint:
I check My credit. There is an Account That I did Not Authorize nor did I give anyone Consent to open Any account using my Personal information. 
This is Fraud.

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 2016-03-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom It May Concern : Again we write in regard to unauthorized communications dated XXXX XXXX, 2016 and XXXX XXXX, 2016 received from SPS - Select Portfolio Servicing ( attached ). 

Please be advised that there is no debt owed to SPS or obligation incurred by the Complainant to SPS. SPS has made up an account is fictitious and fraudulent. SPS has failed to validate any debt as previously demanded by addressees. SPS has admitted to Complainant that SPS has misrepresented an alleged debt. SPS, its successors and/or assigns have no authority to act in any capacity in this matter. 

We do not and will not engage in the establishment of escrow activity of any nature, which SPS seeks to initiate. 

Be advised that all legal and relevant property bills have been paid and will be taken care at all times by the Complainant in contract with direct vendors only. 



BY : XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
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:
on my recent Dispute with the Experian on XX/XX/2021 requesting proof showing that the account that is being reported on my credit report by XXXX is accurate. Which they have 15 days to do so I did not receive any document from Credit Bureau Experian showing how they had verified the reporting by the Creditor XXXX XXXX Experian have failed to adhere to guidelines put in place to protect accurate reporting at all times. I reported this to CFPB on XX/XX/2021 when Experian responded by sending result, they said verified with submitting what I requested.

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 2021-12-31
Company: Specialized Loan Servicing Holdings LLC
State: RI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My Equity Line of Credit ( Mortgage ) was transferred from XXXX XXXX on XX/XX/21 to Specialized Loan Servicing LLC. I have spoken to SLS reps on XX/XX/21, XX/XX/21 and today - XXXX.SLS has no record of my payment cashed by XXXX on XX/XX/21 of {$700.00}. Also my payment of {$760.00} sent to XXXX on XX/XX/21 has not been cashed. Per an SLS rep on XX/XX/21, XXXX sent this payment via XXXX to SLS on XX/XX/21. 

The amount of the scheduled monthly payments on my new SLS invoice is {$490.00} which should be {$760.00}. 

SLS claims that I am 65 days past due, when I was current with my payments and have been for years. 

I have forwarded the documentation attached below to SLS. The Rep on my XX/XX/21 call confirmed receipt of the email. 

I have been promised call backs from SLS supervisors within 24-48 hours on XX/XX/21, XX/XX/21, and XX/XX/21. I have received no call backs from a supervisor to date. 

I will continue to attempt to resolve this with SLS, but I am beginning to be doubtful that they will respond. I have documentation from my last XXXX bill and from my bank confirming the payment made. 

Thank You 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 2016-03-22
Company: Capital Management Services, LP
State: OH
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX, XXXX : Company called place of employment to inquire about debt owed. I returned phone call and asked to remove work number from their contact list. 
XX/XX/XXXX-XX/XX/XXXX : Company resumed calling employer, despite verbal confirmation that work number would be removed from contact list.

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 2015-06-17
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Greetings, I 'm writing to ask, What good is the H.A.R.P program, if the banks all turn you down? If the object is to assist people, it sure is a lousy program. I 'm currently paying 7.5 % with payments at {$1100.00} a month, yet every bank I ask will not let me refinance due to not enough income??? I currently make about {$1300.00} a month income, and have not missed a payment since I took over the loan, yet no one will let me refinance to a lower rate, which will reduce my payments. I would love to be able to afford hamburger helper occasionally, instead of raman noodles and what vegetables I can grow in my garden. Time is running out on the program, I would like a refinance before that happens. 
I used Quicken Loans only as an example since its the most recent bank I approached, but this is the case with many places I have tried.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to settle this matter and XXXX XXXX XXXX have ignored every request for verification dated in 2018 XX/XX/XXXX asking for verification and they continued communication and reporting on an unverifiable account until XX/XX/XXXX when they just deleted the account and said nothing they brought the account back the following month and clam it never happened I then sent mail via Certified receipt on XX/XX/XXXX it was received and has not been deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: FinCo Services Inc DBA Current
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Company close my account without reason left me stranded without access to my funds I cant even buy diapers for my son I cant take money out or stop my direct deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: American Coradius International LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Our XXXX account was charged {$39.00} on XX/XX/21 by someone unknown to us using my debit card number which was never on the XXXX account. We contacted our bank the charge was fraudulent and our money was restored to our account. 
We closed the XXXX account. On XX/XX/21 we were contacted by XXXX XXXX regarding the debt. They said they would send an email of the transaction that we never got. On XX/XX/21 we talked to XXXX XXXX at XXXX regarding this debt. On XX/XX/21 XXXX XXXX stated he would send as fraud to XXXX. Now we have gotten a collection letter from American Coradius attempting to collect the same debt. These collection companies are harassing us by passing this fraud claim around in hopes of getting money they are not owed. 
Closed XXXX account # XXXXXXXX XXXX XXXX account number XXXX ( XXXX XXXX XXXX ) American Coradius International account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: Unifin 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:
I receive continuing telephone calls from the phone number XXXX, which is an area code close to my home so it gives the impression it is a local number. Most are some sort of autodialer and then when I answer, no one talks. Today I received a call from this number and the individual ( XXXX ) said he was from Unifin, Inc. XXXX said he wanted me to pay a debt against an account that I do not know anything about. My name is the same as my son 's name, and consequently my son " may '' owe the debt buy I do n't know for certain. I told XXXX at Unifin that I was not responsible for the debt, that my son and I share the same name, and asked him to give me his company name and mailing address so I could dispute the debt. XXXX said I should either arrange to pay the debt myself or put pressure on my son to pay his debt. When I asked XXXX again for the details on their company and the nature of the supposed debt so I could dispute it, he got obnoxious on the phone and then hung up before providing the information I would need in order to send a request to dispute the debt. After XXXX at Unifin hung up on me, I called the XXXX number back to get more details. However, the person who answered was now XXXX at a company he said was XXXX or XXXX ( or something that sounded similar to that ). Without even giving him my name, he said he needed to talk to me about a debt I owed, giving me the impression that my phone number must have been loaded in their automated phone and records keeping system. I explained to XXXX at XXXX ( sp? ) that I was not the person they were looking for and requested that my name be removed from their records as having any association with the debt case. I also asked XXXX for contact information on his company, including how to spell their name and their mailing address so I could dispute any potential debt. At that point XXXX hung up on me without providing the requested information.

Company response to consumer: Closed with explanation