BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-09
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX XX/XX/2022, I opened Business checking account with PNC bank, in-person at XXXX TX branch XXXX Ever since I opened this account, I am facing issues : 1. Signature card was not uploaded so I can not do any external transfers ( like get money into this account using ACH ) 2.I need to work close to 2-3 hours to get this resolved in next 3-4 days.

3. Now I am facing a new issues, I can not cancel my scheduled external transfer. I can reduce the amount of that transaction ( which i want to cancel ) to {$10.00} but can not cancel it. Since XXXX XX/XX/2022- I am having this issue. 
Any time call phone banking ... standard message " we are getting unusually high call volume... wait will be more than 20 minutes ... but even after 1 hour there is nobody to talk '' ... call back feature is there... but call comes after 1+ hours ... worst thing... even when you are talking to a human ... that human is totally incapable, inefficient... they can't even understand the problem... I spent close to 8+ hours on this issue. But still it can not be fixed. Branch has been told... Branch arranged a call but when i called that person... going to voice mail. 

Information team has been highly incapable backed up by totally useless customer service. Customer is feeling hopeless... 

These are the basics of banking... credit and debit from account and PNC is totally clueless. I am very busy and simply just can't keep on following. Today I got a callback from XXXX from PNC ... customer service from PNC feels as if they are doing a favor by talking to the customer. She told me that i can not see what you are doing and i can not simulate it also ... .numerous transfers here and there... but issue not getting resolved. 

XXXX support is more hopeless than phone support. 
Tried various browsers and mobile app - no luck in terms of cancelling the scheduled transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank sent consumer a personalized cash offer payable into a newly originated checking account upon completion of certain terms. Consumer completed these terms by depositing more than {$4000.00} in payroll and ordinary income to newly opened account within 90 days of origination but was not subsequently credited bonus of {$300.00}. 

Attached are relevant documents - " statements '' contains pdf statements with relevant deposits indicated with black circles XXXX XXXX bank sends account welcome document confirming aforementioned bonus terms XXXX XXXX consumer contacts bank via post with account inquiry about missing {$300.00} XXXX XXXX  bank responds via post declining to credit account stating that terms not met

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 2018-02-22
Company: BB&T CORPORATION
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: Account information incorrect

Complaint:
Requested debt validation for account listed on report, I noticed that it's not 100 percent accurate regarding pay history, under the fcra sec 623 all data reporting must be accurate, complete and verifiable. The creditor and Experian have not provided verifiable proof on file used to validate the accuracy of all data reporting which is required by law upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
As a Citi credit card customer I received on my personal email an offer to open a Citi checking account and meet a set of activities, here is an excerpt from the offer email : " EARN UP TO XXXX XXXX  bonus miles* after completing the following required activities : 1-OPEN a new checking account and enroll in the offer the same day before XX/XX/2023 XXXXSPEND the required minimum amount on purchases using your Citibank Debit Card within 90 days after account opening 3-MAKE at least 2 Enhanced Direct Deposits totaling {$1000.00} within the first 90 days of opening your eligible checking account within the same 90day window 4-YOUR XXXX  bonus miles will be credited to your XXXX  account within 30 calendar days from the date you complete all required activities '' I have met all required activities on XX/XX/2023 and was expecting the miles to post up no later than XX/XX/2023. I have been unsuccessful at getting Citi to post the miles to my account in a timely fashion and simply honor the terms of the offer despite numerous calls to incompetent customer service agents and supervisors from 3rd world call centers. 

I had no other solution but to request consumer protection in this case to defend my rights.

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 2023-07-06
Company: Prosper Marketplace, Inc.
State: FL
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 presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

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 2023-11-17
Company: MOHELA
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have Mohela as my student loan server. I was given a monthly payment of just over {$8.00} due to my IDR. I was also given a payment of {$340.00}, I have contacted them several times due to inconsistencies. I was approved for my IDR and given the low payment only to be emailed my higher payment is due. I have emails from them showing the different amounts. I am EXHAUSTED from dealing with this company. I emailed them AGAIN last night, however every time I log on my payment is different. Their emails show different amounts. Who do I contact to deal with this? 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-05-13
Company: EQUIFAX, INC.
State: PA
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:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX 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 2023-01-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Fraudulent Account JPMorgan Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, On XX/XX/XXXX, there was an account opened in my name that is fraudulent and has never belonged to me. After multiple attempts to contact and dispute this account due to identity theft there has still been no resolution. Unfortunately, this has left me no choice but to file a complaint with with the XXXX XXXX XXXX XXXX. To resolve the problem, I would like to demand that this fraudulent account to be removed from my credit report as it does not belong to me and is identity theft. I have disputed this account multiple times to no avail. Your company has been negligent in identifying this as fraudulent account. My credit and life have been ruined due to your negligence. I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion and XXXX are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX Open Date XX/XX/2018 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 2023-07-06
Company: LendingPoint Holdings LLC
State: FL
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 presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: SYNCHRONY FINANCIAL
State: NY
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:
Hard Inquiries on my XXXX credit report that were not applied for by me, and hard Inquiries on my XXXX credit report that are for companies that I don't have a credit account with. XXXX XXXX XXXX syncb XXXX XXXX XXXX XXXX XXXX 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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They over charge me for one XXXX on finance for XXXX car they kept different amounts behind when they wasnt go from trans to XXXX every 2 weeks I had the car 3 1/2 years seems like my amount never went down they been fraud a lot people and dealership did some things from looking at my paperwork

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My loan forgiveness is not being honored. The payment count is not accurate and some of my loans are from schools that took advantage and were misleading in marketing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Porfolio Recovery, bought a debt from XXXX XXXX, but they have two different amounts on credit for the same company on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Incomm Holdings Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I activated and registered a prepaid XXXX card. I used it fully within terms of service and decided at one point to cash advance the card. As a result, my card was placed in  'spenddown mode ' from this transaction, meaning that XXXX/Incomm changed the nature of my account to only work for credit or debit purchases. As a result, I am stuck with {$2000.00} in funds that I do not wish to 'spend down '. I want to have cash access to this amount, and am unable to because of this change made to my account. It will unnecessarily burden me to spend it down, since this card charges {$0.00} per transaction. 

The card was changed to spenddown mode on either XX/XX/2019 or XX/XX/2019. I have no receipts because this change was not a transaction. The action was confirmed to me over the phone on XX/XX/2019. There is no way to access my account online because of the change.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My credit limit was drastically reduced. {$3000.00} to {$300.00} due to a routine credit check. The reasons given were inaccurate and some of the things mentioned were present when the account was approved which makes little to no sense. 

Payments made on this account were never late.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer.

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX PL XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$3800.00} ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-12-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of 2022 I applied for mortgage assistance through my state program. On the program page it stated that it usually takes XXXX days for applications to be reviewed and approved. However because of IT issues and the difficulty to speak with a supervisor my application took over XXXX months but I didnt give up. Finally on XXXX XXXX I received an email from the South Carolina XXXX XXXX program stating that I had been approved. It listed some next steps and said that o should contact my mortgage servicer to let them know that I had been approved. On XX/XX/2022 I called Pennymac and asked if they had received payment yet. The lady who I speak with tells me that they havent received payment yet and that it takes them up to XXXX days to send the payment. She then tells me that I need to choose an option on how to pay the money back because my forbearance period is ending on XX/XX/XXXX. I tell her that I want to wait for them to pay and she tells me they money will come in after XXXX to XXXX days. She starts talking about my house going into foreclosure and she ask me can I make a payment today. I tell her no and she ask several more times. By the end of the call she had talked me into choosing how I wanted to repay the money back. I choose the option that allows me to put the missed payments at the end of my loan. The whole time I thought that the mortgage company would still be accepting the money from the state. I call back again on XX/XX/XXXX and XXXX told that at best the program will pay for my XXXX mortgage and some of XXXX as well but wont the XXXX missed payments. By this time XXXX upset because when I called on the XXXX the lady didnt say that by choosing and option I would forfeit the money awarded to me by the state of South Carolina XXXX Me and the representative talk for a while longer and I escalate my complaint to a supervisor. On XX/XX/XXXX a supervisor calls me back and says its nothing she can do and when I tell her about the conversation I had with XXXX of her colleagues she tells me I need to speak back with him. He calls me back later that day and when we talk I ask him what do I do about XXXX payment and he says dont pay it because were waiting from the money from the state and since we asked for XXXX payment well see if they will pay. He then advised me that the other money however would be returned to the state. I was very upset and asked to speak to a supervisor. The supervisor told me it wasnt anything he could do and basically told me it was my fault. He kept saying we know for a fact that you agreeed to the program details. He was not helpful at all and told me that not only would they be sending the check back to the state but that I had to pay XXXX mortgage payment. At no time did anyone from pennymac apologize or even try to fix the matter. I dont understand how me calling to check on if they had received the money turns into me losing the awarded money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Genesis FS Card Services, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company response to consumer: Closed with explanation