BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This is a continuation of my previous complaint regarding PNC Bank 's failure to honor a perfectly legal power of attorney. A bank representative, XXXX XXXX, called me on XX/XX/XXXX in order to get more background information on this matter, which I provided. She agreed to call me back today, XX/XX/XXXX at XXXX XXXX to discuss the results of her findings. I planned that part of my day to be available for her phone call, which never came. At XXXX I called and left a message on her voice mail and did not receive a return phone call. Her outgoing message indicated that she was in the office. Her failure to keep her commitment is very unprofessional. 

This is just a continuing example of how PNC Bank is mistreating me in this manner. 

This matter can be very easily resolved with just a little bit of common sense by PNC Bank. All they need to do is to call the notary to confirm exactly how the principal 's signature was obtained. Very very easy to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
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 am submitting this Complaint regarding the fraudulent items 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 need you to remove from my Crediet File : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Balance {$2100.00} Opened XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX BANK Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX BANK  Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX. With you not sending me any documents to support your claims that the disputed items belong to me, I have been expecting immediate deletion of the disputed items off of my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022, made a purchase at XXXX paying with PayPal. 

PayPal advertises Return Shipping on Us XXXX XXXX XXXX XXXX XXXX Through this program, PayPal reimburses return shipping costs if they are not free or provided by the merchant. 

I need to return the purchase made at SupplyHouse.com. They do not offer any free return, I have to pay for the return shipping costs. 

Therefore, I tried to use PayPal 's Return Shipping on Us benefit, and I could not initiate the process. In different computers ( home and office ) the screen does not load properly, there are empty boxes and blank spaces where a text should be ( attached ). It is clearly an IT issue, a bug in your system. 

I contacted PayPal customer service and then was transferred to a so-called specialist signing as XXXX. This person asked for sensitive information like full transaction detail, then I was asked to open the Terms of this benefit and was told I am not eligible. This so-called specialist is totally uninformed and poorly trained, and does not understand how this benefit works. This representative said that because XXXX has a Return Policy, I'm not eligible for this benefit at all. This is absolutely incorrect because this benefit is about covering return shipping costs, and not about accepting or not a return. This benefit covers return shipping cost when merchant does not provide free return. 

It is very poor service, coming from a so-called specialist. If this is the kind of specialists PayPal have, I can't imagine what else can be wrong at this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX bought out Simple and has been reminding us their transition date is XXXX for months. Now their transition set up site has been utterly collapsed and their only response is to hang up on people on their customer service line and hide the tweets of people complaining about this unacceptable inability to access our bank accounts. They seem to have no intention on reaching out to people individually or even interacting, instead just trying to sweep things under the rug as much as possible. Were I able to access my bank account, I would have already closed my account with them. Extremely unprofessional both in execution of the transition and with their complete non-response. Theyve instead just opted to lie and say theyve rolled out a fix already, and then ask people to call the next day XXXX today, XXXX XX/XX/21, mothers day XXXX, to see if people over the phone can help, albeit everyone instead reports getting hung up on by XXXX the moment they mention simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: WESTSTAR MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2023, @ XXXX sent an email to westar mortgage to change my payment amounts for my XXXX home loans. XXXX & XXXX. I asked that payments be taken out bi-monthly ( every other week ). Any overpayment is to go towards the principal. 

Loan XXXX is set to draft on XX/XX/XXXX and XXXX for {$1700.00} each. 
Loan XXXX is set to draft on XX/XX/XXXX and XXXX for {$2400.00} each. 

Payments for loan ending in XXXX was set up correctly. 
Payments for loans ending in XXXX, are not being applied correctly. The overpayment was to go towards the principle they are applying to future payments. I have asked several times for them to correct it. They are now telling me that they can't take out bi-monthly ( they are still debiting my checking acct bi-monthly ) and say they can't put towards the principal ( they are doing it correctly on the account ending in XXXX ). I have had several instances where my payments were posted incorrectly. I have had soo much trouble with them posting things. I can't get statements online. Their statements are confusing. I would like a full audit of my accounts.

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 2022-10-21
Company: Experian Information Solutions Inc.
State: RI
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:
Hard inquiries need to be removed from my account. Please remove inquires on my account and reflect no inquiry on my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-03
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Wells Fargo credit account XXXX ( account ending in XXXX ) is used in auto pay service with simple mobile for paying my monthly phone bill. I never canceled my account ending XXXX, or request closure of it, or given any type of instruction or request that would result to closure of my account ending in XXXX. But, today XX/XX/XXXX when simple mobile processed the auto pay as usual and using my account ending in XXXX, the transaction declined by Wells Fargo Bank and XXXX a simple mobile representative provided transaction number XXXX as a result of Wells Fargo Bank decline of the payment. I contacted Wells Fargo bank before and they did not provide me with anything to justify what was done against my account ending in XXXX and I believe that Wells Fargo Bank retaliated against me by restricting my legitimate right to use that account and causing my payment of my phone bill to decline which is going to result Of cancellation of my phone services. Wells Fargo bank decline of my transaction is violation of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5567, and the Sarbanes-Oxley Act of 2002, 18 U.S.C. 1514A ( collectively the Acts ), and their respective implementing regulations at 29 C.F.R.  Parts 1980 and 1985. Wells Fargo also by causing damages from their retaliatory adverse action is also in violation of this bank own consent orders of XX/XX/XXXX and of XX/XX/XXXX with respective the CFPB and the OCC. Wells Fargo Bank assume full legal consequences for its actions against me that are retaliatory and against the laws. 
All stated herein is my current states belief, knowledge and understanding and and it is all subject to any correction or change of any kind and at any time and by my person or my legal counsel and without waiving my rights. 

Thank you.

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 2023-12-04
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have FNBO credit card ending in XXXX, It's a nightmare to deal with the customer service and another nightmare to dispute a transaction. 

I wanted to dispute {$13.00} out of this following transaction- XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dining {$48.00} I also wrote this to FNBO credit card on their online platform, but they're not responding

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 2023-08-21
Company: Transform Credit Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX checked his XXXX credit report XX/XX/2023 and reviewed all the relevant accounts and information that was being presented that day. XXXX also contact XXXX to discuss account information that XXXX felt as not accurate. XXXX on or around this date at reference herein, notified XXXX that the account with a merchant loa servicer, doing business as XXXX XXXX, was a merchant lender XXXX was not recalling ever having done business with. XXXX then placed a fraud alert on his credit profile with XXXX, exported the concern to XXXX for their investigation and is now filing this complaint, and will at a later date, file a police report consistent with this same information being provided herein. XXXX has contacted the alleged merchant lender, displaying information on his credit profile as an alleged creditor, XXXX XXXX, and upon entering his information was advised he as a co-signer on a loan he had no knowledge of ever agreeing to be affiliated with, and was then directed to a chat prompt and disconnected from the call. A screen capture of the chat prompt, following the disconnection from the call is included in this complaint for review and consideration. This account was executed and initiated without any knowledge from XXXX or consent, and XXXX has reported this concern to all respective parties, and will now move forward with an official police report concerning this matter as well.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The lawyer 's charges were adding up, then, I decided to settle with Bayview. I spoke to XXXX XXXX my point of contact in Bayview on XX/XX/2018 regarding the payoff amount. He told me that I needed to pay {$24000.00} including all the late charges to bring my account current. However, on XX/XX/2018, I sent a cashier 's check by XXXX for {$24000.00} to Bayview which was the payoff amount to bring my account current. Bayview received and cashed the cashier 's check but still continued to send me threatening messages that the will foreclose my house if payment is not received. As a matter of fact, I overpaid Bayview and they need to refund me, they charge me for Escrow ( tax and insurance ). Bayview has no justification in charging me for Escrow. I always pay tax and insurance on my house direct by myself and I have fully paid the tax and insurance for this year. I have also an unapplied fund of {$1400.00} on my account which Bayview refuses to refund back to me. My regular mortgage payment is XXXX per month, now XXXX has increased my payment to {$2200.00} without any justification. Moreover, I paid the payoff charge of {$24.00}, XXXX in XX/XX/XXXXy and in XX/XX/XXXX, I paid another {$2200.00} which is my regular monthly payment. As of today, my account should have been current but Bayview sent me a billing statement showing an outstanding balance of {$5900.00}. At this point, it shows that they are trying to frustrate me. I have contacted my lawyer and I am going to take them to court. See Attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Linebarger Goggan Blair & Sampson LLP
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter at my place of work from Linebarger Goggan Blair & Sampson , LLP located XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX. This " Notice of Delinquent Tolls and Fees '' claims I owe this legal firm monies on a debt they claim to be collecting on behalf of Mass DOT ( ~ {$80.00} ). ~ {$25.00} of this " dept '' is for " tolls '' and the other {$45.00} is for " fees for non-payment ''. I can wipe my XXXX with {$80.00} and not lose any sleep, I won't be paying these people anything for the following reasons ; Firstly, sending this letter to my place of employment is clearly rodent thuggery and a sign of inbreeding. This is unacceptable and is an act of terrorism/ intimidation. The harassment has to stop and I requested they take me to court. 

Secondly, this debt is predicated on a claim that someone took a picture of my license plate while I was driving on " their XXXX road. This is an invasion of my privacy and this firm has no right to monitor my location or activities. 

Thirdly, assuming this firm is legitimate they should have the capacity to mail the invoice to the location the vehicle is registered. They mailed the original invoice to an address I haven't lived at in XXXX years ... How am I supposed to pay a bill I don't know anything about? Why can't these inbreds check with the XXXX and mail the invoice to the location the vehicle is registered? How the XXXX are they this incompetent? They can figure out where I work to intimidate and harass me but they can't figure out where the vehicle is registered? 

Forth, the legal firm did not provide it's mailing address on the harassment letter. They provided no reasonable method to resolve the claim, only suggested I mail a letter while they continued to harass me, commit credit attacks against me, prevent me from renewing my registration and license ( further efforts at harassment and intimidation ), and accrue more " debt ''. 

Fifth, this entire process is so purposefully inept and ridiculous it has to be done with the intent to scam people and steal money. There is no way this process can be legal and the parties involved should be under federal investigation. Just look at where the money is going in this racket. This is by XXXX, they are being purposefully XXXX just to make an extra dollar running this scam. 

Finally, these inbred trash people need to contact the XXXX and mail me a check for my time TO THE ADDRESS THE VEHICLE IS REGISTERED. This is not the first time this has happened, there are multiple reviews online that tell the same story ( mailing bills to the wrong address and then refusing to resolve the issue ). When will the government take action? How many more people have to deal with this before something is done?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Midwest Service Bureau, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/2019 Midwest Service Bureau XXXX Kansas XXXX, They tried to call and collect a debt I owe I tried to set up payments again, and the lady told me because I only owed XXXX they would not accept XXXX payments so she said to either pay the whole thing today or threatened to garnish my wages. She continued to say that if I could not pay the entire amount to find someone to borrow the money from because they were tired of waiting! I talked to the rude representative on multiple occasions and had made an effort to setup XXXX payment arrangements and she stated they would not accept less than the entire payment each time I offered to setup payments! I am working on filing bankruptcy and told her this again and she said if I could not give her his name and prove that I had retained the attorney that they did not care and would pursue legal action. At the time I could not start the process because of a paper the lawyer requested. So he did not want me to pay him until he determined what type bankruptcy to file. And the rude representative laughed and said she did not care and would start legal action. She argued me that I never tried to setup payments and said she could back through records proving that I never attempted to setup payments and I told her go ahead and look and she said she was the only one you spoke with and stated I never offered to make a payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Reference ID : XXXX My Funds has been Held for 180 days. Please Adjust my account so Funds can be Withdrawn. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06
Company: Integrated Recovery Services
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX " pre-legal division '' called my brother and left a message stating they are investigating me and asked him to have me call them back. they left an account number with the last four of my social at the end of the account number. I called them back and a lady told me I stole money from a payday loan company. When I asked her to stop contacting my relatives and friends she told me they were going to continue. When I asked her to cease and desist, and asked for a written letter explaining who they are with a correspondence address, she told me that I better carry two forms of ID because I was going to be served with court papers concerning this debt. The lady hung up on me. When I called her back, I asked if XXXX XXXX owned this alleged debt or if her company did. She said the original creditor still owned the alleged debt and that she represented a collection agency. I told her that she was providing false information by stating they would be filing a lawsuit against me, since her company does not have standing. The lady then called me a thief several times and a liar. I stated several times that they cease and desist and this lady hung up on me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Phh mortgage is responsible for paying my taxes. I pay them the money and it is put in my escrow and they are supposed to pay the taxes. My XXXX school taxes were not paid in the appropriate amount so the check was sent back to Phh mortgage. This resulted in a debt being sent to the tax claims bureau. Phh mortgage sent the tax claims bureau a check for the wrong amount again. It is now XXXX and the debt is still not paid even though Phh claimed they would cover all fees and late charges. I've sent them the new letter stating that my home can be sold if it is not paid by may XXXX  and they have ignored every single email.

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 2018-08-29
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
When I make payments or deposit funds into my Paypal account they are placed on hold for 5 days. Without any justification, Paypal holds my funds for longer than the 5 day period. When I ask for my funds to be returned to me, they decline or refuse to return the funds. In addition, they also refuse to transfer the funds to the intended recipient. Paypal Customer service states that it is their policy to hold funds indefinitely, for any reason, without notifying consumer. I have a Business Account with Paypal that has never been implicated for fraud. I believe that this is an intentional practice by Paypal to increase the revenue they earn from Interest payments on funds held in reserves that they receive from consumers.

Company response to consumer: Closed with explanation