BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-20
Company: PNC Bank N.A.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Our home was hit by a tornado on  XXXX   XXXX ,    2017. Our i nsurance company attempted to give us a check, but had to reissue  it because PNC mortgage company never notified them they bought our loan. Once we finally received our check, we had to submit it to PNC mortgage company ( even though we own more than 2/3 of our home, we owe less than a 1/3 on our home ). We have made multiple attempts to reach the Loss Claims Dept. of PNC. I have  been on hold for ov er 4 ho urs and was never able to speak to a representative. I have called the customer service department and they always inform me someone will contact me back within 24 hours. We are trying to make the repairs to our home, but can not reach the bank to have them issue the checks to the contractors. We have multiple contractors and they want each contractor to submit paperwork that is notarized. We have paid a few of the contractors with our own money and want to get reimbursed. My  XXXX   year old  daughter is having to receive counselling after the tornado hit our home ( we were home when it happened ) and because our home still is in such disarray. We just want to have access to OUR own money that the bank is holding. They are making the rebuilding process impossible which is causing us a great amount of stress. To this day, we have not received one penny from the bank because we can never reach a ny one in the Loss Claims De partment. We believe they are holding the money and collecting interest on 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 2019-03-19
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CONVERGENT OUTSOURCING Account Name XXXX Account Number This is a collection agency they say for XXXX it says I opened a account with them in XX/XX/2017 or maybe they received the account then but Ive been with XXXX XXXX XXXX for the last 10years I have disputed this and contacted them only to get the run around

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 2017-06-05
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have just checked my credit report and I saw a debt collection from a company I do not owe any money to. They have never sent me any letters. They have not let me verified this debt. There was no communication from the debt collector. I have no contract at all with  Diversified Consultants Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Southwest Credit Systems, L.P.
State: GA
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:
XXXX   XXXX  closed  XXXX  acct &amp; returned equip In  XXXX ,  XXXX   XXXX   XXXX  web portal indicated I had a CREDIT balance due me of {$180.00}. This credit balance was discussed in multiple conversations with  XXXX  thru  X/XX/XX . In all communication I maintained that I disputed any amount due  XXXX  as their portal and my accounting indicated otherwise.  XXXX  verbally acknowledged my position and assured me they would reconcile the acct. Never heard from  XXXX  again. In  XXXX   XXXX   XXXX  placed an unsupported debt in the amount of {$84.00} with SouthWest Credit of  XXXX  TX. No supporting documents or debt description was provide d. Southwest Credit failed  to contact me regarding this claim and filed a collection action against me in  XXXX   XXXX  with no phone or written attempt to resolve the already disputed item. I have had good credit for  30+ ye ars and a FICO score in the  XXXX  range. I applied for a mortgage in  XXXX   XXXX  and was declined because of this single {$84.00} disputed collection item. Aside from every bit of the activity of  XXXX  an d Southwest Credit b eing unjustified and unsubstantiated they have placed undue and unwarranted derogatory claims against me that are impeding my ability to secure credit. I have filed disputes with all  XXXX  credit agencies,  XXXX   (  ER ticket #  XXXX   ),  online wit h SouthWest Credit ( via  their contact us web form ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: EQUIFAX, INC.
State: CA
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:
According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX XXXX. XXXX XXXX XXXX ( A ) ( XXXX ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, Equifax, XXXX, and XXXX are assumed to be credit Bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. 
On XX/XX/1993, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Whereas propers regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of Congress in the payments of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and Every obligation heretofore and hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681a ( 3 ) ( E ) ( e ) The term investigate consumer report means consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

What friends, associates, neighbors of the reported consumer did you interview? Can you provide the following names of the friends, associates, and neighbors that you interviewed? 

The following accounts : XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had items deleted that came back on my credit today and I am trying to get them removes again and hopefully the will not appear again. This took place  XXXX  and now there back in  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 2021-12-11
Company: EQUIFAX, INC.
State: FL
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:
My information was exposed in the Equifax Breach. I submitted two claims regarding this one in XXXX when I first was aware of the breach and again in XX/XX/XXXX after NO RESPONSE was received from Equifax. As a result of the breach I have several pieces of information that were FRADUELENT and NOT made by me on my consumer credit report. I have sent EQUIFAX my police report, Identity Theft Report and several other pieces if information about my disputes but they REFUSE to remove this information from my consumer credit report. Under the FAIRS CREDIT ACT I have rights as a consumer to fair credit reporting and EQUIFAX is REFUSING to remove these fraudulent inquiries with a generic response. I have been dealing with this for now more than 2 years and I am tired of the wasted time, pain and suffering, money and financial hardship I have experienced because of EQUIFAX. I want my credit report fix IMMEDIARTELY or I WILL FILE A LAWSUIT AGAINST EQUIFAX. I have attached the Equifax Breach claim along with supporting documents of the fraudulent inquires that were made on my credit report because of EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
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: Account information incorrect

Complaint:
Incorrect Information to the credit report, my score going down dramatically

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 2021-12-12
Company: EQUIFAX, INC.
State: FL
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:
My information was exposed in the Equifax Breach. I submitted two claims regarding this one in XXXX when I first was aware of the breach and again in XX/XX/XXXX after NO RESPONSE was received from Equifax. As a result of the breach I have several pieces of information that were FRADUELENT and NOT made by me on my consumer credit report. I have sent EQUIFAX my police report, Identity Theft Report and several other pieces if information about my disputes but they REFUSE to remove this information from my consumer credit report. Under the FAIRS CREDIT ACT I have rights as a consumer to fair credit reporting and EQUIFAX is REFUSING to remove these fraudulent inquiries with a generic response. I have been dealing with this for now more than 2 years and I am tired of the wasted time, pain and suffering, money and financial hardship I have experienced because of EQUIFAX. I want my credit report fix IMMEDIARTELY or I WILL FILE A LAWSUIT AGAINST EQUIFAX. I have attached the Equifax Breach claim along with supporting documents of the fraudulent inquires that were made on my credit report because of EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: Lewis, McDonnell & Associates
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: Was not notified of investigation status or results

Complaint:
I have continuously reported two accounts as inaccurate on my credit report with XXXX XXXX who I do not KNOW whatsoever! I have disputed these accounts and the company has absolutely ignored me continuously! I have received absolutely no proof nor have I have received a response at ALL! This is ILLEGAL per FCRA and FDCPA regulations! This company will not respond to any letters I have sent! I am considering litigation at this point, although I prefer not to, theyre leaving me no choice and I must do what is in my best interest. The first point of contact with this company was on XX/XX/21 and I have yet to hear from them!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I would like to dispute the account that  XXXX   XXXX   XXXX  #  XXXX  has reported on my credit file. I sent a certified letter to the company by mail to the address provided online from the credit bureaus for  XXXX   XXXX  as 100 % accurate. The letter was returned to me as undeliverable and I provided a copy of the letter and a copy of the address provided by the credit bureaus along with this request. Please remove this off my credit report, the company is not accessible and can not prove this account is 100 % accurate. This is a violation according to The Fair Credit Reporting Act,  15 U.S.C. 1681 . This account is hurting my credit profile and I request that you remove it immediately. Please see the attached documents showing my attempt to contact  XXXX   XXXX .   Thank you in advance

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 2021-12-12
Company: FISERV INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Once again we are harassed by the XXXX XXXX and FISERV XXXX XXXX duo in that when we login in to XXXX there is no mention of the below NEW {$300.00} charge back, and even lists a NEW {$5000.00} charge back that we can not respond to. Please urgently advise, and TELL THEM TO get it together. In other news, THEIR FIXER CONTACT " XXXX XXXX '' never answers his phone when we call him back and leave a message. Please TELL THEM TO attend to this matter and fix, or we will have to file yet another series of complaints against XXXX XXXX and XXXX  XXXX of FISERV XXXX Unit with the OCC,  CFPB, DFS, FTC and XXXX PLEASE TELL THEM TO be guided accordingly, and take a personal interest in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: Wilber and Associates, P.C.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a dispute letter and they have not provided any proof that I owe this debt. They are using fraudulent and illegal business practices to get me to pay a debt that I do not owe. I requested information from them about the incident and they purposely ignored my requests. I am concerned that they are taking actions that will impact my financial status. 

I am concerned that they are taking illegal actions to collect debt that I do not owe. I sent a dispute letter and Wilburs response didnt appropriately answer my questions or concerns. 

Proof I owe the debt. 
Itemized list of costs that total the amount of the debt Provide proof of any judgement Proof that you are licensed in the state of Illinois A list of all communications and methods related to this matter List of actions taken against me so far Out of these 6 questions I asked they only provided an itemized list of costs. The cost that they have included is absurd. The other 5 questions were purposely ignored. Wilbur Group has a history of trying to collect debts from consumers that do not owe. They have several other CFPB complaints against them for the same reasons. Their actions violate several consumer 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 2021-06-14
Company: TD BANK US HOLDING COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am not able to get a copy of the Target RedCard credit agreement or terms & conditions. I have attempted to use the website request and also called the customer service number on the back of the card. The representative put me on hold and then ended the call after 7m 24s.

The website gives an error message requesting a valid zip code. I have attempted my 5-digit and 9-digit zip code, neither works.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Chase Bank accepted a {$3500.00} check for deposit which was made payable jointly to myself, my wife, and  XXXX   XXXX   XXXX   ,   XXXX  ( "  XXXX  '' ) as non-alternative payees, with an unambiguous " & '' symbol on the payee line.  XXXX  forged endorsements for myself and my wife and deposited the check without authorization from myself or my wife, in violation of California law including Californ ia Commercial Code Section 3110 ( d ).  Our insurance company wrote a letter to  XXXX   XXXX   XXXX   ( t he payor bank ) stating that I was entitled to {$1400.00} of the check amount.  XXXX   XXXX   XXXX  made a claim with Chase Ban k ( th e deposit bank ). On  XXXX   XXXX ,   XXXX  , Chase Bank improperly denied the claim on the basis of a purported and unlawful power of attorney. Chase Bank 's denial of the claim was an unlawful, unfair, or fraudulent business practice within the meaning of California Business & Professions Code Section  17200,  because in so doing, Chase Bank assisted  XXXX  in stealing my {$1400.00}. Under Californi a Probate Code   Section 4121, a p ower of attorney is legally sufficient only if it is acknowledged before a notary public or signed by at lea st 2 witne sses. The purported power of attorney which Chase Bank honored was not so notarized or witnessed. As such, under Califo rnia Commercial Code Section 3403, the  endorsements were ineffective. Chase Bank violated Califor nia Commercial Code Section 3404 ( d  ) by failing to exercise ordinary care in paying or taking the check with the forged endorsements and refusing to honor the claim. We have been trying to persuade  XXXX  to return the money for years, but  XXXX  refuses.  XXXX  has admitted that it signed our names despite promising to hold the check while we were resolving billing issues with  XXXX . There is no dispute of fact that  XXXX  signed our names.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I used to have a bank account directly with the bank of America on  XXXX  CT, They put me under a suspicions fraud call ed black check list after I deposit a check from my husband that used to have an account with them also and it was n't the 1st time  I deposited a check of him in my account but this time they decide to cancel my account and put it under suspected fraud activity that has cost me lots of problems that I cant even open a bank account no more and currently I 'm trying to buy me a house and that has come across even after I notarized a letter with my husband present and took it to the bank of America where I had my account when all this deal happened saying that he gave me permission to cash that check in my account regardless off they still put me thru that list and sending back my husband check for the yearly taxes return, than I get a letter from   XXXX   XXXX   explaining to me that I was put under this black list for 10 years because of that even though I show them proof that my account was n't been used for fraud, last time in     XX/XX/XXXX   I sent a letter to bank of America to review my case and delete me off that list later on they reach me back saying that it Was n't possible for them to take me off the list never mention any reason of why I 'm on that list.

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 2017-04-18
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian has received notarized bank affidavit letter to remove  XXXX   XXXX   XXXX   XXXX   XXXX   from my credit reporting file.   XXXX   XXXX   XXXX   XXXX   is falsely reporting another person 's file on my credit report including wrong address, historical information for over the last year. I sent in dispute for Experian to provide the method of verification WITHOUT using the  XXXX  system of sending Office of Recovery services  a 2 or 3 digit  code, to actually provide the physical documentation and they have violated my rights under the FCRA. By again using this fraudulent method of   XXXX   verification and I intend to litigate if they continue to fail to comply to the FCRA and fail to remove this account.

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 2018-12-03
Company: Experian Information Solutions Inc.
State: CA
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 HAVE A ACCOUNT FROM XXXX XXXX ACCOUNT NUMBER XXXX BALANCE IS XXXX I ALSO HAVE XXXX XXXX ACCOUNT NUMBER XXXX BALANCE IS XXXX, I MAILED A DISPUTE AND HAD RESULTS AS DELETED BY XXXX  AND XXXX  BUT EXPERIAN IS NOT REMOVING THE ITEMS, I ALREADY GOT A LETTER FROM THE COMPANY STATING THEY ARE REMOVING FROM THE CREDIT REPORTS, PLEASE HELP. ITS ONLY EXPERIAN WITH THE NEGITIVE ITEMS

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