BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
More than 365 days and ongoing, I have submitted legal documents to have my name changed on my PennyMac mortgage loan. I have mailed, faxed, and scanned via their secure portal my judge signed name change, copy of my state license reflecting the name, and a copy of my homeowners 's insurance showing that my name was legally changed in XX/XX/XXXX. In addition, I recently received a modification in XXXX where the documents I had notarized where in the last name XXXX, therefore, my problem is with settlement documentation. This request is important to ensure I am able to stay aware of my credit report for incorrect data and avoid fraud at all cost. I have been a victim several years ago of fraud and would like to avoid any and all opportunities for it to occur again. I am extremely confused because the receive and pay the policy which is submitted by XXXX under the last name XXXX. I would really like your assistance with having my information corrected. In addition, this service provider has sent correspondence to my address for their other customers. This is very scary for someone that should protect your information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
My capital one XXXX  credit card available funds were put on hold until further notice, because I made a payment with a different debt card that capital one didnt notice, so Im unable to pay my credit card balance completely off which will result in my credit score dropping.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Experian Information Solutions Inc.
State: VA
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 called the credit bureau just on yesterday which was XXXX the XXXX, to correct some inaccurate information. Well the address was deleted, but I also had other issues ; which I thought were resolved such as a collection that was on the report that had already been paid and wasn't removed and also student loans being reported inaccurately even though the government is given credit for them during the pandemic and my credit score went down 23 points on this morning because I called on yesterday this is not fair to the consumer. It's like I'm been incriminated for trying to fix my credit report from faulty information from experian.

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 2022-05-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The XXXX, XXXX, and Equifax Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$720.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX MO ) XXXX Balance : {$430.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX F XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was trying to link my business account via XXXX to my XXXX online checking account for transferring funds and I get a message back the PNC wouldn't allow the connection despite entering the correct user name and password.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, Sc XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

Address XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, Equifax, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$13000.00} ; XXXX  XXXX XXXX  XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX XXXX Balance : {$4400.00} ; XXXX XXXX  XXXX XXXX Balance : {$5700.00} ; XXXX XXXXF XXXX XXXX Balance : {$2700.00} ; XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$540.00} ; XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, XXXX, and TransUnion Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$13000.00} ; XXXX  XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX XXXX Balance : {$4400.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX  XXXX Balance : {$540.00} ; XXXX XXXXXXXX Balance : {$0.00}

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 2021-09-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and there is no 3rd party involved! I obtained my consumer report and I notice there were some unauthorized items reporting. pursuant 15 USC 1681b ( a ) ( 1 ) ( 2 ) under permissible purposes of consumer report : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave you written consent to furnish anything on my report. No consent means you are now committing Identity theft. also under the congressional findings, congress clearly states that consumer reporting agencies MUST exercise their GRAVE responsibilities with a respect for the consumers right to privacy. you are in fact infringing on my RIGHT to privacy. under reasonable procedures, Congress states that consumer reporting agencies shall adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. you are a corporation you can't tell me XXXX XXXX consumer in fact what is Fair, Equitable, and Accurate. you are also in violation pursuant 15 USC 1681a ( 2 ) ( b ) under Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; under 15 USC 1602 ( l ) credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. so that means my SSN, State ID is a credit card that was used.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$2900.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX/XXXX  XXXX Balance : {$1000.00} XXXX-XXXX  XXXX Balance : {$2400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I made a mistake and asked for a refinance on my condo. I got a prompt reply by phone and began the process. After agreeing on rates, 15 years fixed. I was asked to fill out a form which I had to print and send back. Before I could print the form I received a request for copies of paper documents. I now realize that this could go on for ever. I have sent Ameri-save an email canceling the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: NC
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX-XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX 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 2020-08-08
Company: DISCOVER BANK
State: FL
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:
The payments allocation was not correct. I had a minimum payment of XXXX dollars and made a payment of XXXX dollars. On my credit card I have multiple interest balances ranging from XXXX to XXXX % APR. The allocation of my payment should follow the rules set by The Card Act of 2009, where the minimum payment ( XXXX dollars ) should be allocated as the issuer wishes and the excess payment MUST be allocated to the highest interest balance. But Discover did not allocate my payment as such, they allocated most of my payment to lower interest balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have 2 major complaints. First, for the last few weeks, American Express has been adding XXXX % to retail purchases, whether made on line, or in person at a retail store. 
This is being done by their Bluebird checking account / debit card division. It puts excess personal funds on hold above and beyond the amount of the charge that diminishes, sometimes substantially based on the amount of said type charges, the available funds in my checking account. It remains as such until the charge clears the American Express Bank from the retailer. That's the first complaint. The second complaint involves the Bluebird division of American Express holding credits from retail establishments for 8 days before allowing me to have the money fully available in my account. What is the precedent for this? I will attach a screenshot of this very unethical policy, which I can only assume is geared toward them making money, for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
This is the 3rd time someone has used my card with Capital One Bank. With the first experience everything went smoothly but the second, they have refused to help all I receive was a letter stating your claim has been denied. I said this is ridiculous but I dont have the money to hire an attorney so I said let me call them again. They then said they dont find any error and I should contact the merchant. I refuse to because I know when I used my card and every transaction I do I can account for ( that was in XX/XX/2021 ). Yesterday, Im home, I know I had to move most of my money out because of fear that itll happen again and my bank will refuse to give me my money back. I have an upcoming storage payment where I previously transferred some money and left {$110.00} in the account and {$200.00} in savings only to see that someone has gotten a hold of my card again and this time there are 3 charges of {$30.00}, contacted my bank and agin the excuses started to pour in. This is unacceptable and I was told that theyre not going to pay my storage charge of {$110.00} when it comes in for processing. This is unacceptable and again I was told to contact the merchant and I attempted to but the number provided does not accept incoming calls. Now what?? Im out of $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: PNC Bank N.A.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
tried to link account from XXXX XXXX XXXX to PNC bank the XXXX site said that PNC has made a change that prevents the accounts from being linked.where I am prompted to file a complaint with you..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a HAMP loan modification in either XX/XX/XXXX or XX/XX/XXXX. The reason for the request for loan assistance was due to the fact my husband XXXX in XX/XX/XXXX leaving me and my XXXX young children with no life insurance. We were unprepared for his XXXX. 
After this event I want to keep my children in as stable environment as possible. 
I put in my package to US Bank ( XXXX ). I stayed in touch with him, provided all documents requested and was told the file was complete. 
In XX/XX/XXXX I received a letter ( dated XX/XX/XXXX ) saying we were thrown out of loan mitigation saying I owed the following items : 1. a business tax return for a business only my XXXX husband was involved with. They claimed portions of the business tax return were not included. I sent the full return. including all items they claim I did not send. Clearly they got the return, I have proof. 
This request for my XXXX husband 's return is irrelevant to my loan. 
modification requests. I am not currently nor was I ever a participant in his business. 
2. They requested my pay stubs. I provided this multiple times. XXXX confirmed receipt as well as profit and loss statements, bank statements and any other documents they needed to review my request. 
They continue to stonewall me. I originally filed a complaint with the CFPB on XX/XX/XXXX. US Bank threw me out and denied my request even while the complaint with your agency is active.

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 2022-05-18
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$2900.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$2900.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2400.00}

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 2016-10-26
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
They started calling XXXX to 6 times per day from a XXXX Number. They call early in the morning and late at night not to mention the XXXX calls i get during work hours. 
Now they are using a XXXX number and doing the same thing as the XXXX Number. 
I do not want to be harrassed as i am not up to pay back my loans until XX/XX/XXXX

Company response to consumer: Closed with explanation