BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-19
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, My Name is XXXX XXXX. I am contacting you to address my concern/ complaint against PNC Mortgage as they have not followed through and complied with the law in accordance with Loan Modification due to desaster ( Hurricane Harvey ).

I was laid-off from my employment due to Hurricane Harvey on XX/XX/XXXX ( currently employed as of XX/XX/XXXX and not able to bring my account current due to unemployment ).

I had contacted my mortgage company ( PNC Mortgage ) inXX/XX/XXXX and informed them of my situation and they placed my loan on Forbearance for six months. During that time, I was in constant communication with my mortgage company and was asked to send in a hardship package if not able to bring the loan current. I did just that in XX/XX/XXXXand I was told the loan could not be reviewed for modification since it was in forbearance and to wait until forbearance ends. My forbearance ended on XX/XX/XXXX. As requested, I emailed the documents to my assigned rep XXXX XXXX on XX/XX/XXXX to make sure they received the documents as the forbearance ended as requested by the rep. Now I'm being told it was not reviewed and that my loan will go to foreclosure proceedings on XX/XX/XXXX. Today, I was asked to send the package again, and I have sent it in again for the 3rd time. I am extremely frustrated with PNC 's process and their representatives do not know what they are doing as they continue to provide wrong information. I do not see any accountability here. When I asked to speak with the manager in-charge I get placed on a long hold and transferred to XXXX XXXX   voicemail. I have done everything I was asked to do and complied with all requests furthermore I have been calling PNC every week and keeping in touch with them. I have explained my situation to them several times and that I do not wish to lose my home. I only have close to {$12000.00} left on my mortgage and am getting this run around by PNC. Please investigate my complaint as I do not wish to lose my home. Thank you kindly. XXXX XXXX ( PNC Acct # XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX , Texas. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Incorrect or misleading information on rental history or rental application process. The company is through XXXX rental applications used by XXXX properties in central Virginia and surrounding areas.

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 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion is reporting an inquiry from XXXX that is due to be removed at this time

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 2020-07-25
Company: Affiliate Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX  state that I owe {$1100.00} for a emergency bill in XXXX XXXX, Nevada. This bill is from a physician. This debt is not valid and does not belong to me. The bill does not have my correct date of birth. The bill also shows that I was uninsured at the time ; however, that is false. I can provide my health insurance information at the time. I have been attempting to have this debt validated by XXXX XXXX XXXX  for four months and they have yet to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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. The information listed does not relate to any transaction ( s ) I have made.

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 2023-11-10
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Credit 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:
On XX/XX/2023 I was a victim of identity theft. The thief used my information to open a credit card with Apple Card/GS. They used the card to make purchases in the amount of {$3600.00}. None of these charges were legitimate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: MO
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:
Experian failed to provide proof of their investigation and evidence of negative items on my credit report. Under the Fair Credit Reporting Act ( FCRA ), it is my right to be provided with these items as requested. 

I sent the first dispute letter to Experian on XX/XX/XXXX via regular XXXX mail. On XX/XX/XXXX I received Report # XXXX with the investigation results without any proof of the " Updates '' they found to the items I disputed. 
Please see attached : -Copy of letter ( which includes proof of identity and proof of address ) -Copy of Certified Mail Receipt -Copy of Certified Mail Return Receipt with Proof of Signature On XX/XX/XXXX I received Report # XXXX from Experian with my Dispute results with all disputed items remaining and " Updated '' without any proof of investigation nor proof of late payments/validation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Experian Information Solutions Inc.
State: GA
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 requested to have XXXX XXXX XXXX account updated on my credit report with XXXX and it was not updated in a timely manner. I initially requested update on XX/XX/2021. I sent a XXXX balance letter 3 times and no resolve. I was told that they were never notified of the pay off but XXXX updated my report the next day. Please help me because I am trying to get a car and Im spending {$40.00} a day on XXXX rides to get to work.

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 2023-07-01
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank blocked my and my wifes ( all joint accounts ) debit card without prior notice on XX/XX/2023 at around XXXX. When we called Citibank, they said that our accounts ( checking and saving ) are being closed by Citi and I need to go to branch to address the problem. At the XXXX XXXX, IL branch on XX/XX/2023 at around XXXX, I wasnt given explanation but was told that the accounts are blocked and I cant access the funds. After begging them on my knees, they allowed me to obtain a cashier check for XXXX so I can pay bills and my small children have roof and food in their stomach. When I asked for cashier check for the rest, they declined. 

Later the same day I spoke with my relationship manager ( XX/XX/2023 at around XXXX ). He told me the same about my accounts and told me that the easiest way for me to obtain funds is to close my account and take the funds to another bank. I went to the XXXX, IL branch immediately where I was told that my account is locked and there is nothing that they can do about it ( XX/XX/2023 XXXX ). They gave me a number to call and asked me to leave without funds as they wanted to close even though it was prior to the closing time per their signage. 

I called the number given ( XX/XX/2023 XXXX ), it redirected me to another number where I was told that only by debit card was locked and I should be able to access my funds without any problems. She also stated that I should be able to just access my funds at the branch, that there should be no reason whatsoever. 

Unfortunately, every time I speak to someone from Citibank, I receive a different response, conflicting information and no resolution. All I want is to close my accounts and safely move my funds to a different financial institution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/2019 I started chapter XXXX bankruptcy. Everything but the mortgage was put into the bankruptcy. I have gotten XXXX  to fix their issues with my report. But I still can't get XXXX  and Trans Union to fix theirs. 
My mortgage is not included in the bankruptcy, it isn't closed, and I have never had a delinquent payment. They say I have a derogatory account. The account is XXXX XXXX XXXX XXXX These same to companies have started a new inaccurate account that was already in the bankruptcy. They also say this one is a derogatory status. The account is XXXX XXXX XXXX. 
I have disputed the mortgage information the whole time, and now I am disputing the information for XXXX XXXX XXXX. 
It's almost 2 years that I have been disputing this misinformation, and my credit rating is just as bad then as it is now. 
XXXX  shows I have a credit rating of XXXX, whereas Trans Union has my score at XXXX and XXXX  as XXXX. 
My credit was in good standing the day I filed the bankruptcy, and it even shows on Trans Union report that I was in good standing. So how could I have both of these accounts in derogatory now when I started the bankruptcy, they were fine? 
I have contacted both XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX, and both have said they are reporting to you the same as what they were when the bankruptcy started. 
I have sent this information numerous times about what is included in the bankruptcy and what it is good standing.

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 2023-11-10
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Supposedly through XXXX XXXX  I was purchasing several tickets to an upcoming XXXX game in XXXX Az Monies were transferred Through Paypal Never recieved tickets or confirmation. 

From what I can get out of this situation is under the guise of some poor ladies name in XXXX these XXXX  were advertising tickets that did not exists, it took me a while to realize what was going on and that I had been XXXX... Too late for my situation, just very sad that organizations like XXXX XXXX and Paypal put up with this kind of XXXX. Hoping some thing can be done to stop this kind of robbery on web sights that are supposed to be trustworthy Thank You Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: SYNCHRONY FINANCIAL
State: CA
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: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

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 2021-06-19
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- INSTALLMENT LOANS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2013 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: UT
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've made a complaint to have inaccurate information removed from my credit report XX/XX/XXXX. I've submitted my documentation of proof the Bankruptcy Federal Court documents showing the Federal Court house doesn't share information with any agencies or the credit bureaus, third parties either. As of XX/XX/XXXX I received and email from Experian stating my Bankruptcy information was removed. But Experian decided to leave two inaccurate reports on my credit report which was part of my dispute last month XX/XX/XXXX I made the complaint and stated what accounts needed to be removed. Experian removed three Bankruptcies off my credit report. In my complaint I clearly stated to have the follow removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Record Type XXXX XXXX XXXX petition Reference Number XXXX Experian pick and chooses to remove whatever they want causing harm to my credit worthiness and still fails to provide proof of documentation as Experian claims their information has been verified by the Federal Bankruptcy court house. Under FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information.

Further, Under FCRA 607. Compliance procedures [ 15 U.S.C. 1681g ], ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. YOU ARE IN FEDERAL VIOLATION OF MY CONSUMER RIGHTS TO PRIVACY AND YOU ARE DAMAGING MY REPUTATION. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ]

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 2021-06-19
Company: EQUIFAX, INC.
State: KY
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:
As per the Congressional law I was granted by them to request the documentation associated with this account. I am requesting for the wet ink contract that I singed with Child Support.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am trying to get copies of my Kohls billing statements for the past three months to see if they are correct as to purchases and returns. I was enrolled in paperless however, when I try to view statements on website I am not able to get to them. I called customer service number and did an online chat with customer service and they have not provided any assistance speaking to three people for over an hour. 

Further, I have two very large store credit gift cards from returning a purchase without a receipt ( which is allowed ) and they accepted the return giving me the lowest sale price. These are never supposed to expire and when I went to use it they were zeroed out. I called several times to resolve and the last time I spoke to someone at corporate I was told it was a loss to the store because some items I used kohls cash. So essentially, I paid for the returned items and did not get my money back. I asked to get copies or review statements to prove I made purchases earning the Kohls cash and regardless whether it was a store credit that I received when returning they gave me the lowest sale price and then essentially gave me nothing and kept the items I had returned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: AFNI 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: Information belongs to someone else

Complaint:
I mailed in a dispute regarding items in dispute regarding identity theft. It has not been processed. Please process the attached information for dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX, XXXX, & XXXX XXXX XXXX is reporting inaccurate dates, amounts, and showing past due! Some the accounts are open and still showing past due! I have disputed the information with all 3 credit bureaus and they have not investigated correctly and are reporting that the information is correct! XXXX has been paid in full and are still reporting flags on my accounts! This is against my consumer rights per FCRA and is against the law! I am trying to purchase a house and these accounts and their inaccurate information are hurting my credit!

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 2023-03-16
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
RE : XXXX This is a portion of their response to my complaint. 

We sent you the enclosed letter dated XX/XX/2023, informing you that if you don't successfully complete the terms of this agreement, we'll charge off your account and may send it to a debt collection agency. 

I would like to see " HIGHLIGHTED '' in this letter, dated XX/XX/XXXX, where they stated that the settlement could not be voided. All I am trying to do is continue to make payments until {$4200.00} is paid in full rather than {$2100.00} that was previously settled on. I do not understand their reasoning, as they seem XXXX bent on wanting to have a charge off on my credit repot. As I stated previously I am trying desperately to rebuild my score. XXXX also made a settlement agreement with XXXX XXXX, who worked with me to catch up the delinquency and continue payments as established when the account was opened. I do not understand why they are refusing to accept full payment rather than the settlement amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I'm not sure where to begin but ill try and begin at a relevant point, over 2 years ago I wound up in a difficult life position, I needed a new home and I needed new tradelines on my credit profile. I walked into wells fargo bank and asked about getting a credit card. they declined me because no reporting trade lines ... so I opened a secured card, which I was told would be graduated in 6-12 months by the employees of the branch and is some brochures they showed me. 

I have never missed a payment and paid on time for 2 years, ive asked this card to be graduated many times over the last 18 months and each time I was told its automated. when I made deeper complaints I was refered to the office of the president case number XXXX in which I was told I would have the matter settled on no less then 3 occasions over the last 4 months and each person who contacted me and said I will have this complete in 30 days ..never heard from them again then I would respond to the original email, and a new person would tell me they would resolve the matter in 7 days and forth all the up until now 4 months later.. 

they just billed me again for the annual fee because I couldn't graduate or change products because they are fee harvesting me, I am definetly being abused in this situation and I need your help.. 

the greater point is this, I have paid the account to XXXX balance and I need the deposit to pay off another card which is not secured. these other balances are making my utilization appear higher then it really is as I move toward a refinance of my home. hurting my credit score and driving up the expected rate I will pay on a conventional mortgage..so to me there is more at stake then my deposit my wells fargo card number is 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