BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-08
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am and international account holder from the XXXX who held the account with BBVA for over 7 years absolutely zero issues until the BBVA compass / PNC bank merger that took place on the XXXX to XXXX XX/XX/2021. 

I have not able to log into my account using the details PNC provided for nearly a month now since this merger. 

My complaint ref with PNC is XXXX During the last month I have spent numerous hours with PNC on the phone and sent emails and I still haven no resolution. 

After my initial call to customer services my complaint was given a number ( listed above ) and I had contact with a lady called XXXX on the XXXX and then the XXXX XXXX via the phone and this email ( XXXX ) She couldn't resolve and said she would escalate the problem. 
I then had contact from XXXX XXXX ( XXXX - Title = VP Executive Client Relations ) on the XXXX XXXX a few times via the phone and email taking more details. 

Again she couldn't resolve so passed the case on to another colleague XXXX XXXX ( XXXX - Title Executive Client Relations ) who I spoke to a few times from the XXXX onwards trying to resolve via the phone. I was promised a call back on the XXXX, that didn't happen so I emailed XXXX on the XXXX and he called me back to apologise, once again he tried to resolve after he had done some maintenance work on the account. XXXX then suggested he would have to pass it over to the team dealing with the BBVA compass / PNC merger issues. I immediately said this should have been done from the start and not 2 weeks into my complaint. 
I was promised an update on Monday XXXX XXXX, that never happen. 
I left it till the XXXX and then emailed XXXX again as for an update, I had no call or email reply to that email. 
On the XXXX I tried to call 3 times and left him 2 voice mail messages asking for an urgent update and a call back with progress. No reply yet again on either email or phone. 
I have called twice today on the XXXX XXXX and left another voice mail asking for an urgent update stating I am filling in this complaint and also emailing the CEO of PNC bank about the shocking situation i am in. 

Copies of all my emails attached in EML format. 

I have in excess of $ XXXXk in this account after just selling a property and need urgent access. 

If youre not already aware this merger is a total shambles doing research online, their customer service is overrun with thousands of complaints varying for no access, cards not working, accounts disappeared, business customers not able to make payments. 

Its a total and utter mess. 

Please intervene and help me regain access to my account. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX, Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute inaccurate information contained in my credit report. As per the Fair Credit Reporting Act ( FCRA ) under Section 611, I am requesting an investigation into the following erroneous items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX I believe these entries are incorrect because these accounts were, paid-off debt not reflected, account not mine, incorrect balance reported, etc. ]. 

Per FCRA guidelines, I respectfully request that you investigate these discrepancies and remove the inaccurate information from my credit report. Please provide me with a written explanation of the results of your investigation. 

Thank you for your prompt attention to this matter. Please inform me of the actions taken within the 30-day investigation period, as stipulated by FCRA. 

Sincerely, 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 explanation
Consumer complaint received 2022-04-11
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I ordered flowers twice from XXXX XXXX  by accident ( " '' out of screen before completing purchase, and both times still went through. ) Price comparing only... both paid via PayPal. I saw the email confirmation they went through ... .canceled both right away. I called XXXX flowers total of 4 times and spoke to a human each time. 
XXXX call XX/XX/22 XXXX pm- '' It is canceled your refund via PayPal XXXX be XXXX days. '' XXXX call XX/XX/22 XXXX am- " yes, it is canceled '' ( I was making sure it was BOTH PURCHASES canceled, the XXXX woman was non-english speaking ). 
XXXX call XX/XX/22 XXXX pm- I got an email the " orders being processed ''. Called again. This representative said " Nothing I can do, call to cancel delivery when you get the delivery email. '' I said " You are scamming me, they won't stop a delivery when it's en-route??? '' He assured that is the next step, and will stop the delivery that way. 
XXXX call XX/XX/22 XXXX am- " They can not stop delivery. '' XXXX order WAS canceled, the other was NOT. 
I did not recieve a refund from XXXX flowers. 
Paypal denied my case when I sent hard copies to customer service of proof of the XXXX phone calls to XXXX flowers. 
I was guaranteed a full refund by XXXX. 
I filed a dispute with PayPal XX/XX/22 for a refund of {$63.00}. Which ultimately they denied saying " The transaction was processed correctly. '' It was a scam. They didn't read my description of the hours I spent talking with XXXX flowers to ensure it was canceled. 
I did not get the {$63.00} I was assured of. PayPal should not stand behind fraud such as this. They should look out better for their customers- when all the information is supplied about the fraud they perpetuate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-25
Company: SYNCHRONY FINANCIAL
State: FL
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:
With the Coronavirus synchrony bank said they were offering help. With the virus and customers struggling I needed to defer this months payment with. No interest to be charged when I called phone hung up on me over and over. Except for making a Payment advised to go online waited an hour they said couldnt help to call. There was no help given to my family. With chase bank I received help. I dont feel in these terrible times that interest should be charged at all by the banks. Secondly there was no one to talk to. Other banks more supportive.

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 2022-11-22
Company: FIRST FINANCIAL BANKSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I can no longer access my account and i never received anything in the postal mail regarding the issues so i do not have an exact set of dates or transaction details to include. It was all this year, 2022. 

I know that my funds were low due to being laid off and having not started my new job just yet. The bank processed a transaction that I had initially asked them to refuse as it was a recurring payment i could not get the third party to quit charging me even though i requested my account cancelled several months in a row. The bank processed the payment, then kicked it back due to insufficient funds, then charged me {$35.00} for XXXX. I emailed and requested that the {$35.00} be refunded due to the fact that I had asked for that transaction be stopped prior to it ever hitting the bank. That request was never answered and then they let that transaction process through again, kicking it back again, and charging me another XXXX fee of {$35.00}. On top of the monthly service charges that had recently gone up and changed dependent upon your card usage they ended up closing my account because i was negative for too long ( less than a month ) and they say I owe them a little over {$100.00}. However, I disagree because I had asked for that payment to be stopped, i requested it to be stopped by the vendor, then by the bank because the vendor would not quit charging me. Now the bank is reporting it on my credit report, and I had that account with them for well over XXXX years. I had never left anything negative for any length of time, and I had never fraudulently reported transactions to get my money back. And they totally treated me as if i was a no nothing customer and not to be trusted or believed or worth reaching out to with a call to see what was going on. I literally had the same address and phone number the whole time I had that account, and someone could have reached out to address the issue prior ot closing account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Today XX/XX/XXXX I was notified that a Capital One Affiliated Credit Card Account had been closed, causing my credit score to drop XXXX POINTS from XXXX - XXXX. The name of the account is KOHLS Department Store account with a credit limit of {$2000.00}. When I contacted Kohls, it was due to inactivity. It is their policy to close store accounts for inactivity within 36 months. However, I have used my account within 36 months. Kohls has not issued a new card since the old one expired, and I have accessed my account by using my drivers license at the point of sale register and social security number. I requested a call back from the supervisor, and within the hour, a supervisor called and CONFIRMED that there was activity on XX/XX/XXXX, within the 36 month time frame, a payment of {$17.00}. But they have no PURCHASE INFORMATION BUT A PAYMENT INFORMATION!!! WHen asked, if you have a payment, then there must have been a purchase. I think the payment system is recording differently for card usage and when you access the account using the drivers license. When I asked, so why was my account closed, the supervisor identified as XXXX for Kohls, had NO EXPLANATION and stated there was nothing else she could do and even if the account wad closed in error it could not be reopened. XXXX, XXXX supervisor called and reiterated the same. The only other recourse was to reapply, which would cause a hard inquiry on my credit score, causing my credit score to drop even further. 

Closed Kohls account # XXXX This is no coincidence. 

Less than six weeks ago, Capital One, the bank which is affiliated with Kohls, I made complaints XXXX and XXXX, in which they had to remove negative information off of my credit report and retaliated by putting negative and unwarranted information when I voluntarily closed the credit account. I do not believe in coincidence that a Capital One affiliated card would just arbitrarily close an account for no reason, in violation of their own policy of no activity within 36 months, causing negative reporting on a credit score and then forcing me to reapply to the store, which would then cause a hard inquiry on my credit score, dropping it even further. 

It is XX/XX/XXXX and NOTHING HAS BEEN SUBMITTED IN WRITTING REGARDING THE CLOSING OF THE ACCOUNT. I HAD TO RESEARCH THIS INFORMATION ON MY OWN. THIS ACCOUNT WAS CLOSED ON XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX, the Branch manager at the Navy Federal XXXX location seems to be retaliating against me because I attempted to file a complaint against her and her branch for the horrible service I received on XX/XX/. ( My complaint seems to have been sent to XXXX and not her supervisor ) Whenever there is a name change concern, the primary document needed is the Court issued name change form. XXXX is refusing to accept my court document stating that it would only verify a last name change and not a first name change. The Court ordered name change document verifies the FULL old name and the FULL new name. 
By refusing to accept this court document and leaving notes on my account under these inaccurate pretenses this restricts other Navy Federal locations from assisting me. XXXX has stated that the Treasury Direct guideline for branches to cash matured bonds with a name change concern is to be mailed in to be updated/reissued and that is also incorrect. Treasury Direct only requires the names verified at the branch and the old and new name be signed on the back at surrender. XXXX has also claimed that it is Navy Federal guidelines to only cash 3 savings bonds for the life of a customer 's account which is also incorrect. It just seems as though XXXX has taken every measure to assure that I am practically blacklisted from being serviced with cashing my savings bonds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Date : XX/XX/XXXX {$7700.00} I have provided Bank of America with extensive information to validate I am a victim of identity theft and that the credit card account ending in XXXX is not mine. Even though Bank of America 's investigation confirms that XXXX separate fraudulent accounts ending in XXXX, and XXXX were opened in my name and were used with the fraudulent Bank of America credit card ending in XXXX they refuse to delete and suppress the account from my record. 

Bank of America concludes that the XXXX is valid based on transactions made to the XXXX XXXX XXXX XXXX and XXXX Card, however, both of the accounts at those institutions were closed and updated accurately on my credit reports once the research revealed my information was compromised due to the XXXX XXXX XXXX and XXXX data breach which I was a victim of. Bank of America was provided with FTC and police reports confirming these findings. 

Based upon the XXXX and XX/XX/XXXX statement for the XXXX Bank of America has provided me with, a vast majority of the transaction occurred in XXXX XXXX and parts of New York I have never resided in. I have also provided Bank of America with valid proof of residency that match what is reflected on my credit reports.

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 2022-04-20
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have a bill from XXXX XXXX XXXX date XX/XX/XXXX which I thought I had been exposed to XXXX. I had been on a payment arrangement but with my XXXX XXXX and the post office cutting back on our hours I had to cut back on some bills. I recently became XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  after being XXXX and have been paying on bills that are behind. I called XXXX XXXX and learned that they sent my account to collections. I've had about 6 interactions with Credit Control, the first I disputed the account because I didn't receive a bill to dispute, the second I had for a settlement and asked the account to be returned to the original credit which they denied and I called again to see if they would accept a credit card payment and they agreed. I called today for XX/XX/XXXX they hung up and I had to call back then, I reached a XXXX XXXX. I gave my name and I stated I was calling to make a partial payment. She asked me for my phone number, I gave it, she asked for an account number I provided the XXXX XXXX Account Number and then I gave her the Credit Control number and then she gave me the balance. I told her I wanted to pay 1/2 and she immediately told me I could not pay a partial payment towards a settlement and that was their policy. I told her that is not so and as long as I pay the full settlement before the date I could and if I did not it would be void. I asked for a Supervisor, she continued to speak I again explained to her that her and I were not getting along and to please place a supervisor on the line. She didn't attempt to place me on hold or anything she just nonchalantly stated someone would call me back, I asked for her name she stated XXXX XXXX I confirmed if she was the only XXXX XXXX in the office she said yes and that XXXX XXXX or a XXXX XXXX would contact me. I then called XXXX XXXX and they accepted my partial payment, I spoke to a XXXX XXXX who gladly accepted my payment confirmation number XXXX Credit Credit if you work on contingency you will not be receiving credit for this payment or the next one because I will pay them instead of your office.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: NY
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-02-25
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Citibank is intentionally delaying posting of payments received when account is in interest-earning mode. My experience has been that payments are posted quickly when the account is earning them no interest. I'm accustomed to payments appearing on my citibank account within about four days of mailing them, when account is not earning interest.

But when I do not make full payment and account begins earning interest for Citibank, payments suddenly start taking up to two weeks to post. When they are posted, they are sometimes backdated a day or two. That leads me to believe they're not posting until payment clears my bank, which is a separate issue. But even backdated a day or two, they are still posted to my account quite tardily. 

Furthermore, Citibank has many locations where they can process my payments, yet they force me to send them across the country to XXXX, AZ. Do California customers mail their payments to Citibank 's NJ location? 

All of this adds up to Citibank manipulating customers to get them to pay interest which Citibank is not rightfully owed. 

At this time, I am waiting for Citibank to post payments which were mailed on XX/XX/XXXX : Check XXXX for {$3900.00} and XXXX for {$19000.00}, Please : a ) Cause Citibank to post the two payments today that they have had in their possession for several days, b ) Take long-term action to force Citibank to cease manipulating payment locations and timing to exploit customers and earn improper interest.

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 2023-06-29
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX 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 explanation