BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-26
Company: PNC Bank N.A.
State: DC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I received a notice from PNC Bank on XX/XX/XXXX, noting that I owed {$130.00} in " past due payments. '' If I do not pay this amount by XX/XX/XXXX, I will owe nearly {$80.00} in additional fees. 

There was no explanation for this " past due payment, '' and when I logged into my online account, it gave no indication that I missed any payments or owed {$130.00}. 

I called PNC Bank at XXXX, and they put me on hold for 45 minutes before someone spoke with me. The bank rep said he thought the amount was in error, saying that my financial product had recently gone through some kind of IT upgrade, which created a lot of similar problems with other customers. He told me I could probably ignore the problem. 

My problems with this are two fold : 1 ) Until PNC gives me something in writing saying that the {$130.00} payment was in error, I can't be confident that it really was. So, I have to continue to do my due diligence to make sure that what the telephone rep told me is accurate. This means following up with PNC, spending more time and energy in the days/weeks ahead. 

2 ) I spend almost an entire hour on the phone with PNC today ( the vast majority of it waiting to speak with the representative ). If I have to follow up on this problem, I will have to spend an additional hour. I've already escalated the problem and am supposed to get a phone call from another rep within 24 hours. 

If and when a consumer makes a mistake, banks almost always charge very hefty penalty fees. But when the bank makes an error, why doesn't the bank pay a compensation fee to the customer, for lost time and energy? A bank 's ability to create these kinds of headaches for consumers with no penalty feels like a major abuse of power.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: DISCOVER BANK
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Submitted a payment onXX/XX/XXXX. Payment posted to my bank account XX/XX/XXXX. Discover did not credit my account for the payment. I brought this to their attention and they had me submit a copy of my bank statement and was told they would correct the error. As of XX/XX/XXXX my account was not credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Credit Karma, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
So I went on credit karma and got a alert saying a place ran my credit Im like what. So I looked it said XXXX XXXX XXXX XXXX and Ive never applied for anything like for anything before. I called XXXX XXXX they said they dont deal with that and told me to call credit people to get it off of there so I called they said I have to get a letter etc from the company and I was like okay so I went back called them and said same thing again so Im getting a complete run around Im XXXX like I dont need this stuff happening

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells fargo has been fraudulently debiting my business account for $ XXXX since 2012 for a service that was never authorized. I contacted them about a year or two a go and they told me that they will remove it. I believed them and i moved on. I recently realized that there still fraudulently debiting my account for the {$10.00} fee called - XXXX XXXX monthly that i have no idea where it came from. I contacted wells Fargo again and this time i demanded that they investigate the charges and stop charging my account. They completed their investigation and confirmed the charges were never authorized and therefore fraudulent. I asked that they refund the $ XXXX they have taken from my account since 2012 and they said no they can only refund me {$120.00} for 12 months.

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 monetary relief
Consumer complaint received 2021-09-08
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I tried to sign up for an account with XXXX, but it told me PNC had changed their policy to prevent linking with that bank when I tried to link my PNC account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Experian Information Solutions Inc.
State: GA
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/2021 Experian began reporting an account titled : Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2021 Status Collection account. {$1.00}, XXXX past due as of XX/XX/2021. 

I have no knowledge of this account. I do not live in Massachusetts. I attempted to validate this debt including the name of original creditor and any documentation they have that was used to open this account. I have received no validation of this debt yet Experian continues to report this account thereby destroying what was previously a perfect credit score. I have sought legal action but in the interim can not apply for any other means of credit due to their deceitful acts.

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 2020-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
On XX/XX/2020 I called Bank of America about my credit card, because I according online I have a CREDIT BALANCE REFUND DEBIT of {$280.00}, I asked them what is this about? 
They said because the last 3 billing cycles I have had a negative balance, so they were sending me back that money. I said well can't you just cancel that and just re apply the {$280.00} to my credit card so there will be a balance because in the next couple of days I'm going to spend that and the some. The customer service person put me on hold and said they could cancel the check and re apply to my credit card balance so there would be a credit on my balance of {$280.00}. Well today XX/XX/2020 I called to make sure Bank Of America said they would do what they said they would do! The customer service person that I talked to said that they weren't seeing the check canceled for the {$280.00}, I'm like I spent a lot of time with your customer service to fix this issue and your telling me nothing happened??? Right now in my eyes Bank of America has {$280.00} of MY money and not applying it to my credit card balance like its supposed to be ( I paid them the money ) and they are making money on the interest somewhere and meanwhile I have a balance now on my credit card that shouldn't be there. 
Not to mention my statement just closed and it says I owe Bank Of America money, when realistically they owe me money. Why should I have to pay them more money when there should be a credit. I need help getting my money please.

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 2020-05-07
Company: AES/PHEAA
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: Account information incorrect

Complaint:
My fed loan servicing accounts should have been in a deferment or forbearance XXXX XXXX XX/XX/2017. My XXXX  loan is showing correctly but my Fed Loan is not. I have filed multiple inquiries with the 3 CRA 's and with Fed loan directly with no resolution. 
Each account with Fed Loan is showing 6 DQ payments, for each loan and it is severely impacting my score. The information caused other card issuers to close my accounts in 2017. I was promised investigation by phone with FedLoan without any resolution. Every-time I have called, individuals say they can see the error and submit a request to adjust but then nothing ever comes of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I disputed some addresses that I have never been associated with and experian said over the phone they would remove them well now they refuse to remove these addresses. They even put the wrong address as my current. I am sending copies of what I sent them, please make them do their job and remove these illegally reported addresses My only legal address is XXXX XXXX XXXXXXXX XXXX Ga 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 2021-02-13
Company: PCR Group
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have requested this company to show proof that I owe this debt. I requested in writing on XX/XX/XXXX that Account Adjustment Bureau, Inc or XXXX XXXX XXXX, XXXX furnish a signed legal binding document with my signature and I still have not received any proof from this company that I owe this debt. This account is showing on my credit report 4 different times twice with Account Adjustment Bureau , Inc displaying 2 different amounts. Also, XXXX XXXX XXXX, XXXX displaying 2 different amounts. This information is defaming my character and is deceptive and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions 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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2018-03-06
Company: Navient Solutions, LLC.
State: CA
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 requested all legal/loan documents, since loan inception - XX/XX/XXXX to present - from Navient validating the amounts they are collecting on and reporting on and to date have not received anything. I received one letter from Navient stating they could not provide me anything do to my case being part of a current lawsuit they are facing and it is not a lawsuit I have filed or have been granted participation in from any party.If there is activity involving my records, I expect to be informed and allowed to participate.

Navient provided me reporting that shows activity dated XX/XX/XXXX and XX/XX/XXXX. I want all legal documents supporting that transaction along with all legal documents, from loan inception to present XX/XX/XXXX toXX/XX/XXXX 

I also expect this documentation and request to be given to XXXX XXXX directly and not the canned/call center of the Office of the Advocate that blocks resolve and simply sends out canned responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello - this is my second complaint regarding this issue with coinbase keeping my funds locked in a vault that I do not have access to. 

In the initial CFPB complaint, XXXX, coinbase responded with an apology and {$15.00} on XX/XX/2021 with a resolution of moving the funds from my vault to wallet under the existing support case. 

Now as of XX/XX/2021, coinbase closed my support case XXXX without moving the funds from the vault to my wallet, as promised. 

This seems like clear retaliation for opening a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX Balance {$400.00} XXXX XXXX Balance {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: GA
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've contact XXXX XXXXXXXX XXXX several times about this account reporting on my credit report that doesn't belong to me and I have proof with certified receipts. I demand that this fraudulent account is removed immediately.

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 2021-09-08
Company: EQUIFAX, 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 information incorrect

Complaint:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: JPMORGAN CHASE & CO.
State: IL
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:
somehow a local hotel billed my credit card by mistake for a business associates room. They admitted this was a mistake and would reverse the charge - but have not yet done so. 

The problem is that Chase does not, and will not file a report or dispute on this, dispute the charge not being approved. 

The number given for fraud or to report a charge would only hang up. After 30 minutes trying other numbers I was finally directed to someone who directed me to someone else, who would not file a dispute, and when I asked to speak to a manager, he hung up on

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Lexis Nexis Risk Solutions reported an at fault accident ( XX/XX/XXXX ) on my behave. This is inaccurate! I have police reports to supply if needed. I was also fully insured at the time of the rear end accident that I was in. A copy of City of XXXX IL Police accident report # XXXX can be referenced and sent to your agency. Please direct me on how to correct this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello, on XX/XX/2021 at XXXX I transferred XXXX xlm stellar tokens worth {$260.00} to the Binance US exchange . I was not aware that a memo was needed to complete the transfer and therefore it didnt reach my account. I subsequently contacted Binance.US and informed them of this issue by email and received an email back saying that they have located the coins although they need me to verify my transaction id along with a screenshot of the transaction and a video of me addressing what had occurred. I did this twice because the first one I sent to them was not viewable to them so they asked for a revised video. I went through the steps again and emailed them. Since early XXXX and up till now I have followed up with several emails to Binance and not one person has responded back. I would like your help to get my coins returned. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We sold our house and the title company has been trying to get the payoff for 2 weeks. On Friday they told us that every time we call them it delays the request for the payoff. We aren't going to close on our house today and now the buyer is ready to walk away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I was playing a game called XXXX XXXX on line and I won XXXX XXXX dollars but you could only cash out XXXX XXXX at a time and I havent received any of the money yet can you please check on that. The first XXXX XXXX I put in the wrong email address. The wrong email was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Have been trying to access my accounts online since XXXX XXXX XXXX-XXXX-19. Its now after XXXX XXXX. Still can not pay bills- transfer funds or check credit card transactions. Called Wells FArgo. System failure. No kidding! Since when can a USA bank just keep your information from you and not allow you to make payments- transfer funds or conduct banking? Wells Fargo is the worst. have all my savings, checking and business accounts with them. Please help this consumer. 
Just learned that debit card transactions are being declined. Are my funds frozen?

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