BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: PNC Bank N.A.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I need assistance to resolve my request regarding excess escrow funds for a paid mortgage. 

I have requested PNC to reissue a check in the amount of {$960.00} payable to XXXX XXXX replacing the original check issue/payable to XXXX XXXX XXXX borrower who is now deceased ) I have had multiple interactions with customer facing customer service staff and have ultimately been unsuccessful in escalating the matter to a manager/officer to review my request and resolve the issue. Of note, I did have one exchange on XXXX with a customer service XXXX who identified herself as XXXX ( sic? ) who reviewed the matter with another XXXX and told me PNC would override their system and a check payable to me would be issued. When I followed up on the status of the check on XX/XX/XXXX I was told by Customer Service and Escalation reps that I first needed to complete the Successor in Interest requirements before they could assist me with any confirmation/information. 

I am trapped in PNC 's process/procedure to establish me as a XXXX in XXXX before reviewing my request. According to multiple form letters, PNC states : " A successor in interest is an individual who receives an ownership interest in a property securing a PNC mortgage ... '' PNC no longer has any interest in this property. The mortgage is PAID IN FULL. 

I have submitted multiple documents establishing the death of my mother ( the borrower ), my joint ownership of the property since its purchase, my role as her son and joint owner of all her assets ( property, bank accounts ), and transactional documents supporting payoff of the loan. 

My request has not been resolved and PNC has closed the ( wrong ) request as of XX/XX/XXXX due to incomplete information to determine my " Successor in Interest Request ''. 

The particulars of this matter and all documentation and email communications provided by me are with PNC : Mortgage loan number XXXX PNC customer service case number : XXXX I appreciate a review by PNC and resolution I this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: MOHELA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XXXX, I submitted a PSLF Employer Verification Form for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX . Both employers have the same Federal Employer Identification Number. The average weekly hours I worked for both employers, from XX/XX/XXXX to XX/XX/XXXX, totaled 32. 

After several calls to Mohela customer service, complaints to CFPB, and complaints to XXXX, Mohela responded with incorrect information and only partially certified employment. No additional PSLF qualifying payments were granted.

According to PSLF rule changes effective XX/XX/XXXX, " For PSLF, youre generally considered to work full time if you meet your employers definition of full time or you work at least 30 hours per week, whichever is greater. If youre employed in more than one qualifying part-time job at the same time, you may meet the full-time employment requirement if you work a combined average of at least 30 hours per week with your employers. '' I called Mohela customer service on XX/XX/XXXX, spoke with a representative, and I was told, " yes, these are eligible employers. You should receive credit for PSLF from XX/XX/XXXX to XX/XX/XXXX. 11 total payments. We will up date this in 5-7 business days. '' It is now past 7 business days, and no action has been taken on the account. 

In addition, on XX/XX/XXXX, I submitted another PSLF employer verification form for XXXX XXXX XXXX. Again, this is the same Federal Employer Identification Number as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am attempting to certify the employment period of XX/XX/XXXX to XX/XX/XXXX. During this time, I worked for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for a combined weekly average of 31 hours, and should receive PSLF credit for 16 payments.

The customer service logistics of MOHELA are extremely difficult to navigate, and while it appears customer support is logging information and taking care of forms, my experience is that no one is actually processing this information. 

Since MOHELA does everything in business days, this is an important fact to add : It has been 188 business days since I made my original request to verify employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These are all hard inquiries that were not authorized by me buy a signature, Credit Card, or the option to opt out of having these cards reported. This is a violation of my privacy according to the federal laws of Congress. 
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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My mother made a deposit in the month of XX/XX/2019, bound for XXXX and I was the recipient. The value was XXXX COP, I could not make the trip to XXXX so he went to request the disbursement of the money which the answer was that this was withdrawn in XXXX, when I never traveled. I have been trying for months to return the money but the company affirms that the process was indicated and it is easy to validate that I never traveled to XXXX and therefore there is no way in which the disbursement of the draft could be made. I want and demand that Moneygram give me my money back, I have tried in many ways but it has not been possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account No : # XXXX, Account name : XXXX ; XXXX XXXX XXXX XXXX, Account NO : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$1200.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I had health insurance at the time and therefore these costs were covered and there should not be any outstanding balance due. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove these items however, I have not been successful.

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 2023-06-19
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2023 I went to my bank CITIBANK upon request of the landlord who told me to do the following transaction : 1. Purchase a Cashier 's check in his name for the total amount of {$1200.00} ; 2. Deposit the amount of {$1200.00} as stated on the Cashier 's check into his bank account at CITIBANK. 

XX/XX/XXXX, I went to my bank CITIBANK upon request again of the landlord who told me to do the following transaction : 1. Purchase a Cashier 's check in his name for the total amount of {$620.00} ; 2. Deposit the amount of {$620.00} as stated on the Cashier 's check into his bank account at CITIBANK. 

The moment I learned I became a victim of a rental fraud I contacted the bank and spoke with several departments including fraud, checks, customer service but all told me I have to go personally to the bank to report the issue. 

When I personally went to the bank to report the incident, I was told that the bank can't do anything about this situation which happened.

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 2023-07-14
Company: Experian Information Solutions Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
I sent a dispute into the credit reporting agencies. I have not received a response nor has any of my accounts been tagged as in dispute. I received a letter to verify I sent the disputes. However, my information, including my social security, proof of address and drivers license was attached to each letter. 
The disputes were sent on XX/XX/2023. I have attached the original disputes below as well as the letter I received.

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 2022-11-20
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S. C. 1681 602 A. States I have the right to privacy. 










XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Account number : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Account : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ACCOUNT : XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account : XXXX Bankruptcy : Dismissed XXXX XXXX XXXX XX/XX/2015 Reference number : XXXX Court : US DIST CT 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

15 U. S. C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions or crimes with antendates the report by more than seven years.

15 U.S.C. 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-12-14
Company: Experian Information Solutions Inc.
State: MD
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: AE
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I haven't received any money so far Can someone help me to get my credit card that has my funds

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 2023-01-21
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act 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 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. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!!

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 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-17
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:
In accordance with the Fair Credit Reporting Act ; the following accounts are in violation of my rights : XXXX Account # XXXX XXXX XXXX XXXX XXXX  # XXXX 15 U.S.C. 1681 Section 602 A. Subsection 4.- There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C. 1681 Section 604 A. SubSection 2- a consumer reporting agency can only furnish an account in accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: CA
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:
in accordance with the fair credit reporting act i believe XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2023-01-14
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: Account information incorrect

Complaint:
The following accounts are incorrect, and they are adversely affecting my livelihood. 

Inquires : XXXX XXXX XXXX Charge Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
i spoke with someone from the bank and there was three accounts opened two checking and one savings i have not used bank of america in years and now they are saying that i owe them {$1800.00} for something that was not my fault i been trying to report it as fraud and they just keep calling my cases out and its stopped me from getting other accounts because this one is owed on and this is ridiculous i been going through this for 4 years now and XXXX cant open no bank accounts at no other bank because of this is on my XXXX XXXX credit and i just want it cleared up

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I submitted documentation ( FTC Identity Theft Report, Police Report, and Statement with clear identifiers ) that stated that XXXX XXXX XXXX account opened on XX/XX/XXXX with account number XXXX was opened by someone else that was not me due to Identity Theft. Transunion refuses to remove the account despite clear evidence booked by the XXXX XXXX Police Department stating that the account was opened due to Identity Theft. XXXX already removed the account from my report due to Identity theft. Transunion did not provide me with proof that the account was opened by me or any information as to why they will not remove the account, and therefore it should be removed by 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