BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Several unauthorized transactions starting the beginning of XXXX, transactions were done from XXXX XXXX XXXX, XXXX. 
When noticed it going on i disputed them and continued to monitor to make sure pnc was not continuing to allow more transactions to go through. My account and and savings were drained to the negative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-30
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Re : limit permanently my account I am writing to you concerning the email sent on XX/XX/2020 on the part of Paypal, which indicates that my account suspends directly and that I have no right to withdraw my money nor used my account, I have a store whose I work and whose products I sell, they suspended my account for no reason and without any justification, and this caused my business and my sales to stop, I tried to contact support, and no answer, the phone numbers are unreachable, even on their XXXX page, they don't answer I hereby inform you that I strongly contest this decision, and that I appeal the decision in question. 

Pending confirmation of my request, please accept my best regards. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Please reverse the late payments reported on the following accounts : XXXX XXXX**** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2021-05-29
Company: GreenSky, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company, GreenSky, is trying to collect a {$17000.00} debt. I have called GreenSky many times about this issue since 2016. They have been reporting negatively to the credit bureau. Multiple times I have asked GreenSky for a signed contract they have with me. One representative of GreenSky says they do have a contract and that they will send it out by email. Another representative of GreenSky said they will mail it out. A third GreenSky representative says they dont use contracts. All representative have said different things when I ask for a signed contract. Im still waiting for signed contract through email and mail. They will never send me a copy of a signed contract because they dont have one with me. GreenSky representative say they have tried reaching out to a company called XXXX, to respond about my complaint. I have asked GreenSky if I can have the number to XXXX  so I can call them. GreenSky responded that they dont have information about XXXX. I scratch my head and wonder, why doesnt GreenSky have information on a subcontractor or business they are doing business with? And why would GreenSky be billing me if they dont have a signed contract with me? Why would they be reporting to my credit bureau if they dont have a signed contract with me agreeing to charges and or debt? Something really wrong with this GreenSky business model.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, 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 information incorrect

Complaint:
I have no choice but to continue my protest against a licensed lender throughout the United States that brokered a deal in my home state of New York, serviced the account until I defaulted, then the loan originator XXXX XXXX sold it to a third party. A copy of the XXXX XXXX XXXX assignment is attached, along with a copy of the default judgment. The account was settled for {$12000.00} and a cashiers check made payable to the plaintiffs law firm to satisfy that settlement, and XXXX XXXX was taking card of the satisfaction of judgment filing. I need the XXXX XXXX account deleted, as they are still showing a balance over {$13000.00}. The account was taken away from XXXX XXXX the day the the debt was sold to a third party. XXXX XXXX needs to be investigated for fraudulent collection and reporting activities and pay a huge fine for their deplorable treatment to me personally. Recently the CFPB received a $ XXXX settlement from XXXX XXXX XXXX XXXX XXXX for actions exactly what transpired between XXXX XXXX and myself. ( See Attached ) I did file a complaint with the following person in charge of XXXX XXXX compliance with zero response. 

XXXX XXXX XXXX XXXX of Regulatory and Government Affairs Email : XXXX Phone : XXXX Each respective credit reporting agency must take separate action against XXXX XXXX for the serious problems they have caused me for non-compliance to the FCRA and the FDCPA. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A lady called me XX/XX/2019 at XXXX saying " this is a recorded line, is XXXX XXXX there '' and I asked who was called and she said ERC . I asked what is was for and she said there was a few things in her office she would like to resolve with XXXX. I told her I am his wife and what was it that she was calling about. She then said she could only tell my husband. I told her that this was not his phone number it was mine. I gave her his phone number and she asked when the best available time to call was. I said evening. So she didn't tell me much about the company or why she was calling. It was very suspicious to me. This is the second time they have called me from 2 different numbers. First time I got a voicemail from a lady named XXXX it was on XXXX XXXX at XXXX asking for my husband and then they hung up realizing they were on voicemai. The first number they used was XXXX. The second attempt to call was from a different number ( 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 2018-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am submitting this complaint in regards to my XXXX XXXX account that is reporting on all 3 credit reports as acct that is potentially negative. I have disputed this several times. I received a phone call from XXXX XXXX  last Wednesday asking for a return phone call. I tried to return her call several times but was unsuccessful. Tonight I called again and just spoke to a different rep and asked him to see if there are any notes on my accounts. I have 2 XXXX XXXX cards. The gentleman explained the reason for the call was to advise me they have corrected the late payment showing from back in XX/XX/2015 and have notified all 3 credit reporting agencys to update my report and put this account showing as no late payments and to have it show under accounts that are satisfactory. The woman who had first contacted me was XXXX  XXXX  PIN number to get to speak to a rep is XXXX. I am submitting this complaint because I do not trust XXXX credit reporting company to comply and follow what XXXX XXXX is telling them to do. I have had major problems with XXXX  in fixing my credit report to show correctly.

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 2021-07-16
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I received a text form Coinbase at XXXXXXXX XXXX on XX/XX/2021 saying my account password has been changed and if i didnt initiate this to call and lock the account immediately. I called immediately to lock the account. I could not get a hold of anyone and their automated account locking system did not work. I also sent in at least 5 emails to lock my account. I never received any notice that my account was locked, nor was it locked because I couldnt talk to anyone at the company. On XX/XX/2021 I had {$10000.00} withdrawn from my XXXX  XXXX XXXX account to go to Coinbase. I did not initiate this and and with coinbases lack of customer service and ability to actually talk to anyone I have been unable to stop this transaction. XXXX XXXXXXXX XXXX said I need to contact the merchant ( Coinbase ) to stop these two {$5000.00} charges. Ive now spent over 6 hours on the phone with my banks and credit card companies changing all my account numbers because Coinbase has not responded to any of my close to 10 emails and phone calls about this. I want my account locked immediately and someone to contact me in regards to this. Not only do I not have access to my Coinbase funds/account but now my personal bank account has been withdrawn, over drafted and suspended because of this. Meanwhile its been over 2 weeks since I tried to put a lock on this account and talk to someone at Coinbase about this. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-29
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
my name is XXXX XXXX I moved into these apartments pre-Covid, I have never been late in XXXX I notified management that I would be leaving the property because of my transfer as I am a XXXX XXXX, The manager on duty on time said that would be fine, He said I needed to clean unit, and hand in all keys, he stated, that, I would not receive any late fees, or incur any pentalities, I cleaned unit, and gave keys to manANGEMENGT, I asked him again would I owe any fees he stated I would not, because of the Cover relief bill I would not be charged any late fees, or have any broken lease fees, Under the COVID RELIEF BILL, I WAS AWARE I COUULD MOVE OUT OF THE UNIT AND NOTIFIED THEM THAT MY MILITARY UNIT WAS CLOSED AS WELL AND THAT I HAD A TRANSFER TO XXXX, THE MANAGER SAID IT WAS FINE, NO PROBLEM, IN XXXX I APPLIED FOR A APARTMNET AND WAS DENIED, BECAUSEA XXXX DEBT OR COLLECTION HAD BEEN ADDED TO MY CREDIT REPORT, I NEVER RECIVCED NOTIFICATION, EVER THE COMPANY HAS NO SIGNED LETTER, ALSO MANY CONSUMERS HAVE STATED THAT WE WERE ALL TOLD TO MOVE OUT AS WELL AS THE COMPANY SENT LETTERS AND TEXT ASKING US TO USE OUR STIMULUS CHECKS TO PAY OUR RENT, THEY ALOS SAID TO AVOID EVICTION COST TO MOVE OUT N LATE FEES TO MOVE OUT, AND TO NOTIFY THEM, THIS COMPANY HAS MANAgers that switch, and each one tells you a different thing, none of them known the truth, I'm a XXXX year old Army veteran and this is affecting my credit, I was denied the apart Im being charged and it was stated I would not be, I never ever received proof, I left the apartment in excellent condition, the manager at the time stated it was move in ready,

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 2018-12-20
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018 I filed a dispute over the phone with Citibank. My account had a fraudulent transaction of {$920.00}. The representative informed me that within 10 days I would receive a provisional credit. I never received it. On the 10th day I called and they said to wait another 10 days for the credit to reflect on my account. Today is XX/XX/2018 and I still do not have my money. I called today and they told me I had to file another dispute and wait another 45 days. They are taking me as a joke. Every time I call they give me different answers. Nobody knows how to help me. Citibank is trying to stay with my money. I have bills and have not been able to get my children their gifts for 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 2018-12-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They keep calling my company 's office line and hanging up. When called back, they say they are not calling us, agree that we do not have a debt with them, but say they do not use a do-not-call list and will not stop calls to our office phone ( which they also say aren't happening ). They have called us multiple times per week and it is tying up our line from important calls from clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Debt Recovery Solutions, LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I met with a HUD approved credit counseling agency in XX/XX/XXXX and setup a payment arrangement with Debt Recovery Solutions for a prior XXXX balance. I sent the money directly to XXXX paying {$50.00} per month since XX/XX/XXXX. When I realized I had been sending the payments to XXXX, I contacted Debt Recovery Solutions in XX/XX/XXXX and sent a letter via certified mail to have the money sent from XXXX to Debt Recovery Solutions per the instructions of XXXX XXXX with Debt Recovery Solutions. After no response, another letter was sent to Debt Recovery Solutions on XX/XX/XXXX that was sent certified mail and again no response. I attached all the payment receipts and this debt has been paid in full, however, is still reporting to the credit agencies. I tried to call Debt Recovery Solutions again today, XX/XX/XXXX, and was hung up on twice ( after being very cordial and only asking for an update ). On my third attempt, a gentlemen referred me to call XXXX XXXX who is handling my case at XXXX. I called that number and there was no answer and no voicemail to leave a message. I am not sure what to do at this point to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/2017 a charge of {$430.00} was made on my Citibank/ Sears Card , this was not my transaction.

I have tried to resolve the transaction with the issuer of my card, and even though is it quite clear that the signature for the transaction is not my signature, Citibank/ Sears Card are refusing to refund my credit card the fraudulent charge.

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 2021-07-16
Company: PNC Bank N.A.
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Me. XXXX contacted me on XXXX2021 to let me know that my loan was cleared to close. After my ongoing issues with PNC, I was very happy to hear this. While XXXX was pleasant and caring, when I checked the closing cost, I noticed that it was incorrect. XXXX informed me that I qualified for a {$1500.00} grant and my realtor submitted an addendum stating that the seller would credit me {$2000.00} toward the closing cost. None of this was properly reflected in the closing cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is a fraudulent collection account on my credit report from Portfolio Recovery Associates, LLC. I do not own this debt under any circumstances. I have disputed this debt multiple times, requesting the company to provide adequate documentations of this account. On XX/XX/21 I CERTIFIED mailed out a Validation/Verification letter requesting proof of my signature on any loan contracts or original documentations. The ONLY documentation Portfolio Recovery is willing to provide is a credit card statement which is insufficient proof considering there is no original information about the account. 

Without sufficient documentation from the Debt Buyer, I am demanding that this account be removed from my credit reports. This account was successfully removed from XXXX but not XXXX and XXXX. These two credit bureaus must remove this debt from my credit report if the Debt Buyer can not not provide sufficient validation of debt. 

How is a simple credit card statement from the Debt Buyer valid enough proof to keep a debt on my credit file? Shouldn't there be more sufficient documentations required from the credit bureaus in order to adequately validate a debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
This complaint is in regards to the company called XXXX. This card was issued to me for unemployment benefits within the state of Florida. My complaint is that every time the automated number is called and it ask to enter the last four digits of the card number and pin. It automatically give the balance and deducts XXXX cents every time. There should be an option to select whether you want to hear you balance. Furthermore there should never be a fee assessed to check your balance OR to talk to customer service. 

This is deceptive. as many people are getting either unemployment, child support or some other benefit through this card. It seems to be taking advantage of consumers within a certain economic category. If a person is unemployed or getting state benefits, they need every penny they can get. Its unfair and deceptive to have a financial institution charge customers to hear their balance or get assistance from customer service. 

Please look into this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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:
I notified the company and the bureau they ignored me and could not verify or show proof that I gave them permission. I did not give permission and I would like to remove

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 2018-06-13
Company: CITIBANK, N.A.
State: CA
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:
I made a cash advance with Citibank in the amount of {$2000.00}. The interest fee was 5 % of that cash advance. I made a cash advance on XX/XX/XXXX in the amount of {$1000.00} and another {$1000.00} on XX/XX/XXXX. A {$100.00} interest fee was assessed.

I have a low balance on this card with 0 % interest on purchases until XX/XX/XXXX. I made a payment of {$2100.00} on XX/XX/XXXX and another payment of {$100.00} on XX/XX/XXXX. When I logged into my account on XX/XX/XXXX, I saw another pending transaction for {$100.00} notating that it was a cash advance fee. I had already paid {$2200.00} so it looks like they were charging me again.

When I called to speak to a representative, they told me the pending charge was to apply a credit towards the {$100.00} because I had paid in full the cash advance along with {$100.00} fee. It didn't make sense at the time and I logged into my account everyday since XX/XX/XXXX, to see the pending {$100.00} charge date move to a future date.

I logged into my account on XX/XX/XXXX, and see that they are trying to charge me {$100.00} for cash advance when I already paid {$2200.00}. No one at Citibank can explain why I'm still being charged. If I pay the {$100.00} that will account for my total fees for this {$2000.00} cash advance to be {$300.00}.

It doesn't make any sense since I paid in full the cash advance plus {$100.00} fee on XX/XX/XXXX which is 5 days after making the cash advance.

Citibank is trying to charge me {$300.00} in fees for a {$2000.00} cash advance that I paid off in full within 5 days.

I have my chat correspondence with a representative from Citibank who can't give me a legitimate answer so I'm filing a complaint about this.

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 2018-02-16
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After Hurricane Irma, because I was in a federal disaster zone in XXXX Florida, I requested from SLS a loan extension, I was given a forbearance, with 3 months to pay two months missed payments. 

My XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX statements each have a late fee imposed on me, however, I am not late, as I am in approved forbearance. 

I have called SLS every month requesting an adjustment and it has not be reversed and credited to my account. 

XX/XX/XXXX there is a Fee Billed Accured late Charge of {$120.00} - XXXX Statement XX/XX/XXXX Property Inspection Fee of {$15.00} - XXXX Statement XX/XX/XXXX Accrued Late charge of {$120.00} - XXXX Statement XX/XX/XXXX Accrued Late charge of {$120.00} - XXXX Statement.

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