BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-20
Company: CAINE & WEINER COMPANY, INC.
State: PA
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:
On XX/XX/2021 I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX accounts reporting on my credit report as delinquent -- XXXX from XXXX 's and the other from XXXX XXXX. I have disputed these accounts multiple times, but they nevertheless have not been corrected. 
The XXXX 's account does not belong to me. I have never had an account with XXXX 's. The account was opened in XXXX 2016, and apparently was never paid. The notation indicates it was charged off. I have also contacted XXXX 's advising them that this is a fraudulent account. 
There are also XXXX currently open XXXX XXXX accounts -- XXXX with a zero balance and XXXX with an approximately {$1600.00} balance. I disputed these accounts due to not recognizing them. While the matter was in dispute, XXXX XXXX reported these accounts as delinquent. I disputed each XXXX XXXX or five times over the past six months. Once I finally received verification from XXXX XXXX, I quickly paid both accounts. However, they are still reflecting past due payments. I was under the impression that creditors were not permitted to report an account delinquent while it is in dispute, and once the dispute is resolved, the creditor must give the cardholder an opportunity to make payment before reporting the account delinquent. The person 's name I was dealing with at XXXX XXXX is XXXX XXXX. Her number is XXXX ext XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I deposited a Business Check in Ms. XXXX XXXX bank account, Account # ending XXXX in the amount of {$800.00}. The check was written out to her sister whose name is XXXX XXXX by mistake. JP Morgan Chase flogged the transaction as fraud and ask Ms. XXXX XXXX to close her account a open a new one. Chase refused to give the recipient the {$800.00} and also refused to return the funds back to my XXXX XXXX XXXX account. I have spoken to my bank which is XXXX XXXX XXXX and they said that Chase needs to contact them to return the funds. I have contacted JP Morgan Chase also, along with Ms. XXXX XXXX and to date, JP Morgan Chase still refused to return my {$800.00}. This matter have been going on for 45 days now and to date JP Morgan Chase wants to keep the {$800.00} and not the return the funds. I am requesting JP Morgan Chase to return the funds to my bank account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
The paypal close my account..they say if I submit some of my requirement it will be 1 day process but it's already 2days .. 

XX/XX/2021 the transactions XXXX is the amount I already submit the same day But it's 2 days now they have no response XXXX my paypal account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am reporting Wells Fargo for not helping me or taking proper actions with my request on either putting me on a high protection program like they offered to do. Also removing security on my account. Like verbal passwords and also allowing fraudulent activity continue. And not listening to me or hearing me out. I was receiving alerts from XXXX  on Changes being made on my business checking. I have been banking with them since XXXX. I opened a business checking in XXXX when i first started my cleaning business. There was changes on the name. The username and password were compromised. I requested that there was suspicious online banking. Also had reported my debit card stolen. They didnt help. Also recent suspicious activity and unauthorized transactions were continuing to happen. I personally visited the branch to put a freeze on the account and suspend online banking. Also to close my savings. Again i had went because i spoke to IRS n my stimulus checks was deposited into that account after i said to freeze it. I have not gotten a new bank account until i resolve my identity theft situation. They gave me hard time to withdrawal my funds. They suspect im the fraud after i went in person to let them know. I asked why did my bank account name changed from business to personal without my permission or my knowledge. They made numerous changes. I feel like they did not believe me. The fraudulent activity was going on by phone and online. When i called about my account. They said i needed a authorization code. That i didnt receive or had any knowledge of. Also had mentioned why there was changes being made. They didnt say anything. I said is my phone number the same? The person on the phone hung up on me. It was the second time i had called. So when i went in person. The banker explained that my savings is a personal check. He sat there saying that their wasnt any changes with my phone number as well. So i suspect the banker wasnt being honest. I requested to listen to the calls. N he acted like he was helping me. Anyhow. I got some documents by mail from Wells Fargo. The fraudulent activity has been going on since XX/XX/XXXX to now XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX Complaint Trans Union I have ask Trans Union to delete accounts that some one otherthan my self used they did not my experience has been frustrated with them letter afterletter XXXX XXXX customer services run by foreigners. 
This is been going on for some time next step hire attorney I fell my rights have been violatedunder FTC laws keep sending the same credit report XXXX times not one account taken offfrustrated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: I.C. System, 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:
Someone stole my identity to open a cell phone account with XXXX XXXX starting in year 2020 ( a/c # XXXX ) with an outstanding amount of {$500.00} Collection Company I.C. System, Inc ( XXXX ) XXXX Reference # XXXX ContactedI.C. System, Inc collection company to clear the collection.

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 2021-03-20
Company: Synovus Bank
State: PA
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:
On XX/XX/2021 I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
During my 4 years in school, I took out loans through Sallie Mae -- Federal Subsidized and Unsubsidized loans, as well as a private " Smart Option Student Loan '' ( 1 each year ) to make up the difference in tuition and living expenses. My father was the co-signer. 

Since I graduated in 2013, the interest rate on my " Smart Option Student Loans '' have increased drastically. When I graduated, they ranged from around 5.5 % up to 8 %. Today, they are 9.875 %, 10.875 %, 9.375 %, and 11.125 %. ELEVEN PERCENT on a STUDENT LOAN!! 

I called Navient to see if I could refinance or lock in a lower interest rate. They told me these rates are federally set and they can't do anything about it. In fact, they told me the best thing to do would be to pay it off! SERIOUSLY?! I have even tried to remove my father as the co-signer and they told me my income was not high enough to remove him from my account. 

I've spoken with my personal banker at XXXX. Because it's a " student loan '', they can not touch it. So I'm stuck paying ridiculously high interest rates, with no hope of refinancing because " student loans '' are federally backed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Ok, I was told the {$32.00} interest charge and {$6.00} on the XXXX XXXX, XXXX statement would be credited back to me by a rep on the phone. He looked over past purchases and saw spots where promos were not applied properly and I was charged too much interest. I was offered to get a credit for those XXXX interest charges, now the XXXX credit card people say that they cant do anything. This is wrong as it was promised to me!

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 2021-03-20
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
American Express Gold card 's {$120.00} dining credit benefit is misleading. 

I opened a Gold card in XX/XX/2021. One of the key advertised perks was a {$10.00} per month dining credit at certain merchants. I made purchases at qualifying merchants in XXXX and XXXX, but didn't receive any credits. 

Upon contacting customer service, I was told the monthly dining credits required manual enrollment. I feel misled by the marketing as I believe such a key benefit is assumed to be enabled by default, and I wasn't warned about the missing enrollment after making otherwise qualifying purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: ACIMA CREDIT, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a 90 day same as cash lease purchase with Acima on a XXXX XXXX sectional. I paid this off in full within the 90 days period from delievery date in XXXX. This was paid off in full on XXXX, XXXX, 2020. I received a paid in full receipt on XX/XX/2020. They have reported this to the credit burea as past due, which is not true. I have proof of my lease # XXXX being paid off in full within the alloted 90 day period. I've submitted this to equifax to remove this invalidness off my credit report, unsuccessfully. I am now contacting you all for assistance to get this removed and help me out as I don't know where else to turn. 

Thank you for your assistance in this matter. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
This company contacted me in XXXX @ XXXX. The gentleman that contacted me identified himself as XXXX XXXX. He said this was a business matter and began harassing me to tell him my personal information. He told me that he needed my date of birth and my address. I said to him that I had no idea who he was or why he was calling and I was NOT going to give him my personal information because I did n't know who he was or why he was calling. 

He never XXXX time identified himself as a collection agency, he refused to tell me what company he was working with, he just kept pushing me to give him my personal information. And told me he would n't tell me who he was and why he was calling unless I gave him my personal information. 

I called the company back to speak with a supervisor, and the operator hung up on me each time I called back, XXXX times in a row. The XXXX time I called back the transferred me back to XXXX XXXX who again only wanted to take my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: General Motors Financial Company, 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: Public record information inaccurate

Complaint:
On XX/XX/XXXX my vehicle XXXX XXXX XXXX was repossessed, at about XXXX, I immediately called Gm Financial to determine what monies I would need to pay to redeem my ve.hicle, the representative advised me to pay XXXX, which I did, the total amount came out to be XXXX including the service charge of the third party company, I was not fully advised of the details of what will happen once I redeemed my vehicle, in which I paid all fees and received my vehicle out of repo in less than 24hrs. I was in constant contact with the lender regarding my financial situation due to covid, my husband and I were unemployed during XXXX, and the business we had open was just getting off the ground as a restaurant caught in the pandemic issues. In XXXX my the vehicle was totaled, this week we were trying to get another vehicle is when I discovered that GM Financial had added to the credit report in a matter of days a repo on my credit report which prevented me from helping my daughter to purchase a vehicle, I called on the same day to speak with a manager in the finance department and was told that's what they do once a vehicle has been repossessed and then redeemed, I advised that this is an unfair practice, this is the first they have added this type of derogatory information to my credit report, and it was nothing they will be doing about removing this from my credit report. 
I do not believe this is fair to add this to my credit report, being that I redeemed my vehicle in less than 24 hours, so from XX/XX/XXXX the date of repo, date redeemed XXXX, repo information added by XX/XX/XXXX, I need help to have this removed, we have as a family dealth with a lot including losing my mother in XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: National Principal Group, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company calls me several times a day wit a recorded message about tracking me. I called back and the woman on the phone told me that I defaulted on XXXX payday loans back in XXXX and XXXX. She claimed i owed over {$1500.00}. She threatened me with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I get my credit report and it showed XXXX had reported me as late payment. I terminated my services with them on XX/XX/2020. I never received notices of a balanced owed. When I cancelled the csr said my payment and cycle ended in XX/XX/2020. Never received a phone call, text nor an email notification from XXXX nor the collection agency ( credit collection services ). I terminated the services because I moved. They are charging me {$53.00} for the term from XXXX. 
I contacted them and they told me they had refer my file to a collection agency. 
I never received such bill until I requested from the collection agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: TRANSWORLD SYSTEMS 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:
My University of XXXX XXXX loan was discharged on XX/XX/XXXX for XXXX XXXX XXXX XXXX. They use University accounting services as there servicer. However i was charged for 2 late payments between XXXX and XX/XX/XXXX. This should have never happened because the student loan was discharged on XX/XX/XXXX. See attached documentation and date of discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: PNC Bank N.A.
State: PA
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it may concernI am having an issue with my mortgage company M & T Bank. I have had some family issues that involve my some medically that made us have to pull him out of daycare. My son now XXXX care of our XXXX sons. Now this has made us loose an income. So we have started a loan modification with M & T Bank. Here is where the problems start. The bank approved us for a loan modification. We had agreed on a price and I am already began paying the agreed to price. Now M & T Bank is telling me that there is a lien on the title and they can not do the loan modification. This so called lean they are saying was put on the title back in 2008. I did not even own any property back in 2008. I did have a judgment on me back in 2008 and a bankruptcy that followed that. I had the bankruptcy discharged in XXXX of 2008. Now M & T wants me to take care of this before they can move forward. This is just not possible. The judgment was part of the bankruptcy and is non collectable. After trying to go to the court house both the XXXX XXXX and bankruptcy courthouse there is nothing to be done on the case. I have already sent the final decree and the list of creditors that was on the bankruptcy to the mortgage company. I even went so far as to try and contact the original creditor that filed the judgment ( XXXX XXXX XXXX ). That resulted in a run around. XXXX XXXX XXXX said that the case was closed and is showing that it was involved in the bankruptcy. Furthermore the case was not even in their files any more. The number on the judgment for the attorney does not even have that file anymore. So after all that I spoke to an attorney who stated that the only thing I need to provide M & T Bank is a copy of the petition and the final decree and talk to M & T Bank and ask to speak to a supervisor on who is reporting that there is a lien on the title. Well that also is not being furnished to me by M & T bank. The supervisor I spoke with told me it is a M & T supplied title company and they can not tell me who it is. M & T has been very frustrating in giving me information and also asking me to do an impossible task. Even if I had the XXXX dollars to pay this lien off its uncollectable and no one even has the case. Furthermore the attorney that I consulted with told me I do not need to hire an attorney that they get this all the time with title companies. That they do n't understand that a lien that was discharged in a bankruptcy can not be put on a title on a primary residence that was purchased at a later date as M & T Bank is saying that this is what happened. There is no way that a lien can be on the property from 2008 that I did not own until 2 and half years ago. Anyway I can not be the only person that this has happened to and being denied for a modification because of a personal non collectable judgment that is out in the county clerk.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I had sent my friend {$100.00} on the cash app today, but it wants through on my end, but she told me she didn't get it, and it was failed on her end, and I was billed for the payment by my bank. Please help me with the receipt identifier is # XXXX. My cash app is XXXX XXXX, and my bank proof is INFORMATION Description CASH APP*XXXX  XXXX XXXX CASH APP*XXXX Type Debit Card Withdrawal Status Posted Amount - {$100.00} Previous Available Balance {$1100.00} Posted Date XX/XX/2020 Card Ending XXXX Category Communications/Telephone my email is XXXX, and her cash app is XXXX XXXX

Company response to consumer: Closed with explanation