BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: Paypal Holdings, Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They locked my account months ago I have done all necessary steps to gain access and it still will not allow me to access my money in my account Venmo has locked my account and will not help me get my funds out

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
around XXXX/XXXX/2015 my account was low on funds and i desperately needed to feed my kids for the day. i wrote myself a check for {$20.00} and deposited in the atm. I knew that my direct deposit would be in my account by the next morning. by the next morning the bankn had closed my account, reported me to XXXX as fraud and an unpaid balance. when i went into the branch to find my paycheck and to see what happened they said the account was closed. The {$20.00} as paid at that time so i dont owe them a balance and i dont feel i should have been put in XXXX as fraud. i have tried repeadily to get this corrected and no one seems to know who supposed to speak to or call. as a result of this i can not open a bank account anywhere. i have talked to customer service, risk dept and branch personel and gotten no where.

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 2022-08-03
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30
Company: Bread Financial Holdings, Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I made a {$51.00} dollar purchase at XXXX XXXX XX/XX/18- I used my XXXX/XXXX  charge card for the points rewards. After the purchase I wanted to pay the balance in the store but they would not accept my bank card to pay off the credit. 

I pay ALL my charges off in full at the time of purchase or receive the first statement. In this case I was not mailed a statement. I received a text message in XX/XX/XXXX from the creditor saying I had a past due balance. After talking with them my bill had incurred {$62.00} in late charges and fees. I tried to dispute the charges as that was the first contact I had with the creditor. While the did waive {$38.00} they reported my account late which affected my credit score. It is the only late payment I have on my report. I sent a letter to the company explaining that I had not been mailed a statement and paid the balance in full plus fees as soon as I was made aware. I requested credit repair and they replied back that they were unable. 

XXXX perks are a trap for consumers to use their cards that would normally pay with cash. This company profits from late charges and fees by not sending bills out timely. They also have multiple complaints due to damaging their consumers credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: ALLY FINANCIAL INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had applied for a car loan in the month of XXXX well I looked at my credit report and I noticed there are a bunch of other inquires on my report from XXXX XXXX, XXXX, XXXXXXXX ally, I was a victim of an inquiry issue and request that these inquires be removed from my credit report and a victim of an inquiry issue

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 2018-11-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have been a loyal member of Chase bank for over 10 years and I have had a Chase United credit card for over 10 years as well. I have made many attempts to have a fraudulent charge removed from my account with no avail. On XX/XX/2018 there was a transaction posted to my Chase United Club card ending XXXX in the amount of {$7800.00} at XXXX to the merchant described as XXXX that I did not make nor did I authorize. 
Since a telephone conversation earlier today, I learned that this merchant is a XXXX account affiliated with XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. We spoke with XXXX at XXXX ( XXXX ) who states that there is no record of this transaction using my credit card ending XXXX. We also spoke with XXXX the supervisor / business owner at XXXX XXXX ( XXXX ) who states that this transaction did not exist and that he did not receive this payment. However, this charge remains on my account and is a charge I am expected to pay though I received no benefit from this transaction. 
Since this transaction occurred at XXXX on XX/XX/18, I will honestly recount my whereabouts in an effort to defend the fact that I did not make this purchase. My evening started at XXXX XXXX XXXX  at XXXX XXXX XXXX, XXXX XXXX, NY XXXX where I enjoyed dinner with my friends and my husband ( who is authorized to use this credit card ending XXXX ) a birthday. I arrived at the restaurant around XXXX and learned that this restaurant did not accept credit cards. So, I used the Chase bank ATM at XXXX XXXX, XXXX XXXX, NY XXXX to withdrawal {$300.00}. I left the restaurant at around XXXX and went to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, NY XXXX to continue the celebration. I handed my credit card ending XXXX to the bartender to open a tab for drinks upon arrival. I never left the bar until I closed out the tab at XXXX and authorized a total charge of {$130.00}. At no time between XXXX and XXXX did I leave the bar nor did I make any transactions using the credit card ending XXXX. I did not authorize any third party to make transactions using the credit card ending XXXX. I then left the bar with my husband and we took a cab home and I paid for this taxi ride using the credit card ending XXXX in the amount of {$7.00} at XXXX. 
I have no other proof that I did not make this {$7800.00} purchase other than my word. I dont know what else to do to prove to you that this purchase is fraudulent. 
Please let me know if there is anything else I can do to convince you that this charge is fraudulent so that it can be removed from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-13
Company: CORELOGIC INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A credit info by XXXX without my knowledge or permission.

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 2017-08-13
Company: Palm Beach Credit Adjustors, 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 want everyone to know about the unfair practices of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX. I noticed three months ago when i started monitoring my credit that there is a collection from a pain clinic that I have never been to before. I never received a bill before the debt went to collections in the first place. The debt also reads closed so im still not sure why they are still reporting in the first place on this fraudulent collection. When I disputed this collection on my credit report the company retaliated against me and the first time in four years the collection went up by {$2.00}. Coincidence? No its not its smells retaliation from a company who reports false information tarnishing the public 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My son, XXXX XXXX, has been XXXX for a number of months & was, most recently, moved from NC XXXX hospital to a facility in suburban XXXX in order to be closer to his family. My name is XXXX XXXX. I am XXXX father as well as his attorney. I am also named as his agent under a Durable Power of attorney. We are currently in the process of cleaning up his affairs & making sure his bills are paid up. One of the few items remaining is a Capital One credit card # XXXX XXXX XXXX XXXX. All I want to do is pay off the card. To the best of my knowledge, the card has been cancelled for non payment. I have spent countless hours on the phone, have sent multiple memos including a copy of my POA & have become extremely frustrated. For what it is worth, some of the supervisors, not all, have been very rude. In my latest conversation, I am being told they want information about me that I feel is inappropriate. For example, they want my date of birth, social security number, proof that I am not a non resident alien, drivers license & gross annual income. ALL I WANT TO DO IS PAY HIS BILL. They finally said I could make a payment but could not tell me how much. I find it ironic that my complaint is I ca n't pay off the card. XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
CFPB, I am writing this to gain your assistance with my short sale. My short sale file and closing are being held hostage by the PNC representative, XXXX XXXX. 
We have been approved, however, XXXX does not understand the buyer must be given a tax credit at closing. Essentially, in XXXX XXXX Illinois we pay taxes twice a year and a year behind. In XXXX of XXXX we pay for the first half of XXXX and in XXXX we pay for the 2nd  half of XXXX. The second half of XXXX and XX/XX/XXXX is still owed as a tax credit to buyer. Here, XXXX is unpaid and owed the first half of XXXX on the XXXX tax bill because it wasnt paid. Approximately {$4300.00} or more will be owed for the XXXX half in XXXX and if you prorate from XXXX through closing of XXXX approximately XXXX is due at closing. $ XXXX ( a full year ) = XXXX ; XXXX per month for 10 months with an XXXX closing is {$7200.00}. He is shorting the buyer {$7200.00} from the sale proceeds which is not fair to the buyer or me. Would he buy a home and pay property taxes for the time the seller owned it? I dont think so. 


My attorney has spoken with PNC representative XXXX XXXX and she was very nice, understood and agreed a tax credit needed to be given. My attorney spent two days discussing this with her and he drafted a settlement statement to reflect the credit the correct way/the way she said to show it. We sent in the settlement statement and XXXX still denied. He keeps asking for documentation showing the taxes are owed. My attorney sent in tax documentation ( see attached ) from the county website, a video on how taxes are paid in XXXX XXXX and the number to the county treasurer for him to verify. My attorney also told him to contact PNC lenders on the home buying side to better understand how taxes are paid by his own organization. He blindly denied all, did NOTHING, and keeps asking for documentation. If documents from the county treasurer dont work, what more can we do? His colleagues understand it but for some reason he is at a loss or doesnt care to do the right thing. 

PLEASE HELP ME. All we need is for the tax credit to be given and more time to close through XXXX because the buyer doesnt want to spend money on an appraisal when he is being shorted his tax credit. XXXX keeps threatening my attorney if we dont close soon he will close out the file and we will have to start all over. My XXXX and health cant take starting over, Ive already had a XXXX, recently lost my mom, and filed bankruptcy due to this mess. I want this done with. With the tax credit and extended closing date, we can close and I can put this 4 year short sale hot mess with PNC behind me. Anything thing that can be done to help me is greatly appreciated. 

The property was damaged by fire and each day city liens and fines are growing. This can end with your help. I authorize CFPB and any media outlet authorization to speak with PNC. 


XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Spent hours on the phone, multiple calls, multiple attempts requesting to close my savings account due to poor customer service and company refused to close my 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 monetary relief
Consumer complaint received 2022-08-03
Company: Comerica
State: AR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have approximately XXXX missing off of my card. I have tried to contact them at XXXX and XXXX and I can not get anyone on the phone to discuss the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: AR
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 am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. Uder the FCRA section 605b, please remove the following items from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} US DEPT. OF EDUCATIO XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXXXX/XX/XXXX Opened XXXX. XXXX, XXXX Balance {$1000.00} US DEPARTMENT OF EDUXX/XX/XXXX Opened XXXX XXXX, XXXX Balance {$1700.00} US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$8500.00} US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$4200.00} US DEPARTMENT OF EDU XXXX Opened XXXX. XXXX, XXXX Balance {$2000.00} XXXXXX/XX/XXXXOriginal Creditor XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$730.00} XX/XX/XXXX Original Creditor XX/XX/XXXXXX/XX/XXXX Opened XXXX XXXX, XXXX Balance {$100.00} US DEPARTMENT OF EDU XXXX Opened XXXX. XXXX, XXXX Balance {$3800.00} US DEPARTMENT OF EDU XXXX Opened XXXX  XXXX, XXXX Balance {$960.00} US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$4200.00} XX/XX/XXXXInquiry : XXXX XXXX, XXXX XX/XX/XXXXXXXX Inquiry : XXXX XXXX, XXXX ] XX/XX/XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXX/XX/XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXX/XX/XXXXInquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXX/XX/XXXXInquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX XX/XX/XXXXXX/XX/XXXX Inquiry : XXXX XXXX, XXXX. I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, so please comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been battling against this company for months now. They are stating that I owe two different debts in the amount of {$900.00} and {$430.00}. I called them at their phone number of which no one could give me valid information. I was simply told that it is my debt and I must pay them should I decide not to pay them they will continue to contact me via telephone and harass me until I pay them in full. Again I have never done business with this company, I have never signed to release any type of information to this company, and lastly they refuse to send me any proof stating I actually owe them or showing me any type of signatures or identification I used to allow this agency to collect my information. These collections in the amount of {$900.00} and {$430.00} both appears on my credit report X/XX/2017 and I have been contacting them ever since only to get nowhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hi, Last year I filed a complaint for the same reason, XXXX bank transfered the loan # XXXX to Carrington Mortgage Services, L.L.C. Loan # XXXX, since then I receive threats and harsasments from carrington, for me is a nightmare and XXXX XXXX wo n't do anything. I never missed a house payment to XXXX and I never missed any payments to carrington.Yesterday I had to block their phone number and their e mail. I DID NOT ASKED XXXX XXXX TO TRANSFER THE LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, 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 submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX 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