BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-01
Company: EQUIFAX, INC.
State: LA
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:
the bureaus refused to investigate the fraud that XXXX XXXX is doing to its consumers which are unlawful, they added interest fees and charges, they said the interest rate will be one thing and add what they want i got a {$25.00} dollar interest charge with a {$0.00} balance, which is fraud, this account is reporting negative on my credit profile but i shouldnt be i paid them they didnt even add the payment to my accounts and closed my card .i am challenging the information they are reporting such as open dates, balanced owed closed date, payment history .These bureaus are supposed to by law report true on my credit profile but several not true things are reporting on this account and they refused to investigate XXXX XXXX AFTER I DISPUTED THE ACCOUNT TWICE, I RECEIVED NOTHING BUT VERIFY I SENT A METHOD OF VERIFICATION AND WAS IGNORED BY ALL 3 BUREAUS .THIS ACCOUNT INFORMATION IS INACCURATE, I SIGNED UP FOR THE PROTECTION PLAN WHICH STATED WHEN I LOST MY JOB IT WOULD COVER MY PAYMENTS WELL IT DIDN'T THEY SAID THEY CANCELED THE PLAN AND I WASN'T NOTIFY. THAN THEY JUST JACKED UP THE INTEREST RATE, THEY HAD CHARGES I DIDNT AUTHORIZE ON CARD AND WHEN I CALLED THEM THEY SAID OH WELL,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX I joined a XXXX of a gym called XXXX in XXXX XXXX. It was infested with XXXX XXXX, XXXX, shady people and the equipment was 50 years old. I called and told them to cancel my trial membership and they agreed. 2 years later a collection item appeared. I had it removed when I explained what happened and threatened legal action. That was in XXXX. It was removed. Now, 3 years later during a pandemic and unemployment, a credit application i made was rejected. I obtained a copy of my credit report to understand why and I saw this bogus correction item. It's fraud. It's unreal. Bottom feeders literally ruined my financial standing, in a pandemic struggling with unemployment, I'm XXXX dollars behind on XXXX rent, chasing a quick buck. 

Remove it now. It's now mine!!! And I'm going to sue you for this garbage too. Enough!!!

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 2015-08-31
Company: UNITED AUTO ACCEPTANCE
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I financed a vehicle from XXXX who also goes by XXXX XXXX XXXX, and finances through United Auto Acceptance. I defaulted on the payments and the vehicle was repossessed in 2007. I was sued by XXXX/United Auto Acceptance and my wages were garnished for about 3 years. Now, 8 years later XXXX/United Auto Acceptance has filed another judgement against me for Continuation of Garnishment. Is n't this passed the Statute of Limitations in the state of Georgia?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Resurgent Capital Services L.P.
State: NM
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX , XXXX is attempting to collect a zombie debt. Original creditor was served a cease & desist several years ago. I want all communications from any company tied to this debt to stop. I also will require them to pay me {$24000.00} ( the amount they are trying to extort from me ) as a penalty for practicing illegal collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX PA and XXXX XXXX PA denied me XXXX commercial mortgages, FNB is my commercial bank and it took them 7 months to decide. No cause given except " cash flow ''. New real estate would have generated {$12000.00} monthly positive cash flow. Assets, credit score, bill pay history all very acceptable. Net worth over XXXX dollars US 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 2017-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On XXXX 2016, XXXX ( a computer online back-up service ) made charges to my account that were not approved. I made contact with Bank of America to file a fraudulent claim against the charges. Bank of America told me to make contact with XXXX and try to resolve the charges before making an official fraud claim with them. I contacted XXXX and told them that the charges that were made to my account were fraudulent and were not valid or approved. XXXX used my Bank of America credit card number that was more than two years expired to make the charges for their services ( again which I never approved ). Somehow, even with a credit card number that was more than two years expired, the charge was approved through Bank of America. 
I then called Bank of America back and explained what had taken place. They told me that the XXXX charges were approved because they were charged against a valid and active credit card account ( which is true ), even though the actual credit card number that was used was more than two years expired, that is why they approved the charges. I wondered to myself how this could happen with a credit card number that was more than two years expired? I never signed up for any reoccurring service plan. 
My problem is that the XXXX charges were not made by me, approved by me and it seems that Bank of America does not seem to find this troubling in any way. This credit card is not in active use, it 's been the 2 years since I 've used it, for XXXX. This should have been a red flag that this is not a regular occurance. Banks moitor cards all the time for irregular use. 
What happened to actual credit card fraud and trying to find ways of of stopping it from happening in the first place? I thought ( forgive me for being ignorant ) that if and when a credit card number becomes expired, it means that the number no longer works and the merchant would have to pursue the customer for updated information. However, if Bank of America is approving these fraudulent charges and making the " approvals on behalf of the card holder '' based on a more than two year expired card, what kind of security and consumer rights are in place? Better yet, if they are making the approvals for the card holder when an expired card is used, why should the card holder be responsible for the charges?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Platinum Holdings Group, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My daughter was contacted by XXXX XXXX of Worldwide Recoveries , LLC claiming that she had a uncollected debt in the amount of {$1900.00}. She asked XXXX XXXX to contact me and I had a telephone conversation with him in which I asked him to email me the supporting documentation verifying the information. He emailed me a file which I can summit. The file gave no details as to the origin of the supposed debt nor any support to prove the validity of his complaint. I attempted to respond to this email but the email address is evidently invalid - [ mailto : XXXXXXXXXXXX ]. XXXX XXXX continues to phone my daughter with threats of legal action although my daughter has asked that he deal through me. 
Worldwide Recoveries , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Fax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
CIT lost or misplaced a fax on XXXX/XXXX/2016 from XXXX Bank regarding trustee to trustee transfers for my wife and I. XXXX Bank has resent the forms as of XXXX/XXXX/2016. My wifes account matured today XXXX/XXXX/2016 and CIT will not release the funds saying they need 72 hours to process the paper work. I do n't understand how XXXX can ( lose ) a fax with their confirmation number. XXXX bank also sent copies of CITs fax confirmation from both dates by email. CIT has also confirmed that they have received an email with this info. I have been on the phone many times with CIT reps, XXXX, aanthony, XXXX XXXX XXXX, but I am still getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX 2016 two payment were made from my account # XXXX for {$60.00} # XXXX for {$100.00} I had a deposits that day that covered all the payment I made. I did some shopping. Leaving my balance at {$29.00}. On XXXX XXXX a payment went out for {$54.00} leaving me with a negative balance. Not a big deal seeing home I had XXXX direct deposit getting ready to go through. At XXXX I checked my balance it was over {$900.00} showing both my deposits and no over draft fees. The chase employees have always told me that as long as the deposit is in the account prior to XXXX there would be no over draft fees. At XXXX the account showed everything going through fine. The next day they hit me with XXXX overdraft fees totally {$100.00} dollars. XXXX of the items causing the overdrafts were items that has went through days prior at which time they went through the amount was deducted from my account at that time. And the balance in my account reflected those deductions days prior. After going through all my transactions I learned that the actual over drafted amount of {$54.00} dollars that I was worried about causing a fee went through fine no overdraft fee. Instead they shuffled my purchased using my previous balance before the deposit on XXXX XXXX. They used the biggest transaction I made on XX/XX/XXXX to put my account in the negative the then shuffled my transaction that had clear days prior to negative transactions and charged overdraft fees. Chase bank manipulated my transactions to benefit then and to drain my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-20
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My husband and I have had a joint account for 20 years at the same bank. We have been loyal customers and have a checking, a savings, and a couple money market accounts. Over the years, the services have become less generous and recently I have had two very bad experiences that I do not think are legal. First, my bankcard and access to my bank account was cut off because I had not activated a new card that they had sent to me 5 months ago ( that I never received ). When I realized I could not get access to my account, I called and they said they would send me a new card in two days. I had no access to my account electronically or physically and I was unable to transfer money to cover a property tax check. My husband had to go to the bank to do it. Which brings me to the next complaint. We used to have over {$14000.00} credit as an overdraft account. As a busy household with XXXX incomes and young kids, we used this overdraft account often for credit whenever we needed the flexibility for timing of expenses. We have paid plenty of interest to the bank for this flexibility. Late last year the account was reduced to {$300.00}. This amount for us covers very little when you are talking about {$12000.00} of activity during the course of a month. We did get a letter from the bank saying that they were reducing it due to " my husband 's delinquency '' ( there were none - it is a joint account under good standing ) ; " insufficient deposit relationship '' ; and I was listed as an " unqualified co-borrower ''. None of this made sense. When I went to the bank recently, I inquired about it and they said I would have to reapply for it like any other credit source. They also said the reduction was due to a low credit score and debt to income ratio. How would they know what my debt to income ratio was? They said we could see his credit report. Why did they use just his credit report and not mine for a joint account? My credit score and earnings are much higher. We have always paid our bills on time and do not have any debt under this bank anymore. ( I suspect we are being punished for moving our debt elsewhere. ) I believe these actions have been, at worst, discriminatory and illegal ; and, at best, very bad customer service. Reducing our credit line is the same thing as raising interest rates on a credit card. It has resulted in overdraft and several fees.

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 2020-10-01
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
On XX/XX/XXXX I made a complaint against PNC regarding a NSF fee that posted on my account. Complaint number XXXX. On XX/XX/XXXX PNC Supervior XXXX reached out to me and resolved my first complaint. On XX/XX/XXXX I filed another complaint against PNC regarding to charges they placed on account. Complaint number XXXX. To which CFPB/PNC deemed as a duplicate to which it is not. On XX/XX/XXXX I contacted CFPB regarding the error and per CFPB rep XXXX advised that I have to filed the complaint over and explained that this a totally different complaint. On XX/XX/XXXX PNC Bank charged my account with two fees in amount of {$100.00} ( {$96.00} excessive withdrawal and {$4.00} monthly service fee ) In my prior complaint ( XXXX ) I explained that I reached out to PNC and spoke with their rep XXXX who stated that she " tried '' to request a refund onto my account in amount of {$100.00}. In addition, I explained that PNC Bank had NEVER charged me such fees and I had withdrawals from the months of XXXX and XXXX. THIS IS NOT A DUPLICATE COMPLAINT!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-23
Company: Concord Resolution Inc (Closed)
State: HI
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Contacted by Concord XXXX, XXXX stating I owed {$300.00} from an outstanding payday loan from XXXX 2011 from XXXX XXXX. They had the last XXXX digits of my ss #. I stated this was not my debt but they stated their was state and federal confirmation that this was a valid debt and collection procedures would be starting. I tried to get them to explain how I resolve this matter since it was obviously a scam and they hung up on me. 

Tried to call back but they said they would transfer me to my case manager even though they did n't even ask for my name! Sounded like the same guy that hung on me the first time I called. 

Was on hold and no one ever came on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a call over the weekend from Chase asking me to bring my account current. I was confused, because although I have two accounts, but knew that autopay was set up for both of them. Unfortunately, I didn't realize the autopay had been set up to an old bank account and had bounced the previous payment, and was about to bounce another payment. 

I logged in to make a payment yesterday and found that both of my Chase credit card accounts were closed. I called, and they told me that their auditors decided that I had had too many bounced payments on one account, so both were closed permanently. I escalated to a supervisor, who wouldn't budge, and even spoke to their risk department, who said they hadn't closed the accounts, and that Customer Service had. 

To be fair, I did bounce payments in XXXX because an auto-pay was set up wrong, and among raising a child, working full time, and dealing with a partner still struggling with COVID symptoms months after contracting the virus in XXXX I didn't notice the payments were bouncing necessary, but would go in and make payments. I wrongly assumed Chase would warn me, charge me fees for the bounces, or lower my credit limit. They say they've sent a letter, and while I have received letters now about the bounced payments, I haven't received anything regarding the closure. And yesterday, my cards stopped working, essentially without any warning. 

The problem account was opened in XXXX. For 19 years my credit limits with Chase on that account had waxed and waned. Id been punished before for missing payments or bouncing payments. But never had I been even threatened with closure. There was zero precedent for this, and I had no cause to be worried in my mind. 

Further, the other account was current and had had no problems. It is a Chase Sapphire Reserve card for which I paid {$550.00} for the year of membership. When asked if some of that money would be returned pro rata I was told that it was past the 45-day mark, the relevance of which wasnt clarified for me, and that that meant I couldnt receive any of the money back despite being incapable of accessing the services I was charged for. 

What's particularly painful about this sudden closure is that I've been loyal to Chase ; I assume its because I've spent so much time and money with this bank that they've reciprocated with credit limits that combine to {$47000.00}. Closing these accounts will adversely affect my credit scores as I've only ever used these two credit card accounts, and let others atrophy. This is the lion 's share of my total revolving credit. Further, my total utilization of this credit limit is low and has been so all year, despite the financial hardships we've experienced during COVID-19. Please see attached screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: CIT BANK, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind on my mortgage after my business failed. I hired an attorney to help me submit a request for a loan modification. My full application request was sent to OneWest XXXX in XXXX 2016. My loan is a 15 year loan which was good while I was making money, however now that my business has failed I really need it to be able to go back to a longer loan term such as a 30 year loan or at least longer term than the remaining 3 years as I can not afford the very high payment anymore. 
I was denied for a loan modification on XXXX/XXXX/2016 by OneWest Bank XXXX for HAMP. The reason given was due to " Investor/Guarantor Not Participating '' " Investor has not given us contractual authority to offer loss mitigation through the Making Home Affordable Program. 
I looked up online with the XXXX web site and it says ... '' If a PSA contains such a restriction ( HAMP PSA RESTRICTION ), the servicer MUST make " reasonable efforts '' to get the investor to waive the restriction. I do not believe OneWest Bank XXXX has made any effort to ask the investor of my loan to waive the restriction. My attorney states OneWest Bank XXXX is participating in the Making Home Affordable Program and therefore they MUST make an effort to ask the owner of my loan to waive the restriction and review my loan for HAMP. 
In addition, the letter dated XXXX/XXXX/2016 which states they can not review for Making Home Affordable, also says " However, upon receipt of a complete application, your mortgage will be reviewed for all other loss mitigation programs ( including available loan modification programs ) permitted by the owner of your loan. We will contact you regarding the steps required to complete our review ... Once the review of your application is complete, we will send you an additional letter that contains the results of our review and if your mortgage qualifies for a loss mitigation program '' - I have never received this letter to date and my applicaton was sent in complete in XXXX 2016. 
My attorney has been asking OneWest XXXX for this letter promised in the above paragraph and I have received nothing to date. They only verbally tell me there is no other options. I am told that RESPA servicing law states they must issue me a denial letter and give me 30 days to appeal it. So far I have nothing except a letter stating they can not review for HAMP and I willl receive an additional letter for other programs they review me for. Again, I have nothing and they say they are not doing anything more for my request. Violation of RESPA Reg X.

Company response to consumer: Closed with explanation