BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-14
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PNC is offering forbearance programs for mortgages, like most banks and lenders. However, the repayment options are not clearly outlined. I feel this is on purpose. PNC is luring customers in under the guise of " financial assistance '', and once they are in the program, they are told that a PNC rep will contact them to review options. These options range from paying the amount in full at the end of the term ( essentially 4 months of payments at once ) ... refinancing your mortgage to a higher amount ( even though customers are seeking help because they already cant afford the payments since the economy is shut down ) ... possibly moving the payments to the END of the mortgage ( which seems to be the industry standard ) although PNC refers to them as " delinquencies '' which makes me think it will adversely affect my credit ... or the last option, which is the most absurd " options that allow you to leave your home while avoiding foreclosure '' ( basically a short sale ). These options will not be discussed with customers until they are behind by 3 months of mortgage payments. This program is unclear and arbitrary. There will be thousands of families displaced by this. I was able to call and cancel my forbearance before it started ... although I know many who didn't. NO ONE at PNC that I have spoken with knows what is going on ... even though the first group of forbearance customers are at the end of their term now. PNC doesn't want any potential plan members to know the outcome of the group signed up in XXXX ... I'm sure it is bad for business. PNC should be ashamed of themselves. NOT offering forbearance would be better than the entrapment they are doing now. This will not end well for anyone other than PNC. Please stop them from signing people up. One rep told me that the customers she signed up were " willing to take their chances '' .... I sincerely hope it works in their favor and PNC doesn't end up with blood on their hands. The idea that you will be notified AT THE END OF A LOAN how you will be expected to pay it back, is simply unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payment went up due to a tax increase. At the same time I received an escrow overage check. Way at the bottom away from the check I noticed later the next first of the month date with the new higher mortgage payment. Nowhere on top of check letter nor any previous correspondence was I informed through letter or email that my payment was going up. The only way I found out was a letter showing a late fee later. I pay my mortgage on the 20th of every month, 10 days early. Never late nor have I ever missed a payment. To me this is a scam. They sent out an overage check, because any overage in escrow over {$50.00} they do this. They are hoping you miss the new payment in small print at the bottom. My payment every month is made automatically, without any notice why would I change the amount. Now they want an extra {$140.00} plus the higher amount of mortgage payment. Not only that, they took some of my next months payment to fix the shortage and late fees not telling me they did so only to mess up the next month without telling me that month would be short hoping again to add late fees. This is a total scam to gain late fees and is not fair. I have contacted them and have gotten nowhere.

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 2017-08-04
Company: AES/PHEAA
State: CT
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:
My problem is with the servicer of my federal student loans, FedLoan Servicing. I just finished up a XXXX in XXXX for XXXX and am currently in a 16 month XXXX program in which I am required to work 60 hours a week without pay as part of my training to become an XXXX. I have a wife and XXXX children and we are living off of savings and loans. I applied for Income Driven Repayment back in XXXX 2017 and I have heard nothing about the status of my application. So far, the only thing that has happened is that I am being billed for the full payment amount for two of my loans. I have called and sent emails. No one ever responds to my emails. I received one automated email reply that had nothing to do with my specific situation. On the phone, the reps are sometimes unhelpful, difficult to understand and give conflicting information. One of the reps I spoke with on the phone several weeks ago told me she would enact a temporary {$5.00} forbearance on my loans while the IDR application is being processed. My payment amount due is still the same ( {$460.00} for one loan and {$140.00} for the other ). The payment is coming due in 10 days and no action has been taken. I spoke with another rep who told me to just pay {$5.00} immediately which would lead to an expedited processing of my application. So far, this action has failed to yield any results at all but, to be fair, it has only been a couple of days. I have no correspondence to attach since all of my communication has been over the phone ( the company does not respond to emails ). My IDR application was submitted through the federal government 's site, StudentLoans.gov. I am attaching my loan bill showing the {$5.00} payment I made as advised by one of the reps over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
Company: Experian Information Solutions Inc.
State: TX
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 recently reported Experian to CFPB for failing to investigate a dispute and they have now done it again with the same item. This process has taken a total of almost 90 days and they still did not dispute the item and this is how I know! The item in question should have never been on my report. XXXX  and XXXX  both investigated the item and " deleted '' it from my credit report because it is not accurate. How on earth, can these 2 bureaus find the information is inaccurate and delete it but Experian somehow finds its accurate and leave it on my report. Also, they refuse to give me the phone number, name and address of the person who verified the information to be accurate. The fact of the matter is common sense will tell you Experian did not do an investigation of an sort. I want this removed from my report immediately! I'm not waiting another 90 days for them to do another so called investigation. Thank You.

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 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DPT ED/XXXX XXXX {$1700.00} XXXX XXXX XXXX {$1700.00} XXXX  XXXX {$1700.00} XXXX  XXXX {$23000.00} DPT ED/XXXX XXXX {$45000.00} XXXX  XXXX {$520.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$130.00} XXXX  XXXX {$180.00} XXXX  XXXX {$3200.00} XXXX XXXX {$980.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent 6 rounds of letter to the credit bureaus, and they have not give me answers. I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2017-08-04
Company: Navient Solutions, LLC.
State: NV
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 am writing in regards to a private loan that is reporting incorrectly on my credit files/reports. On at least one occasion I have disputed the validity of the information being reported for this account and the dispute always comes back as unchanged and the account information being reported has been verified. The issue was clarified in the XX/XX/XXXX amendments to the FCRA, which set a specific starting date that is now SET BY LAW as the last deliqency date, and not later dates, such as a DOLP. FCRA Section 605 : ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Late Payments - Seven years from the month in which the late payment was due. If there are multiple late payments in one account item, then they will each expire individually. Charge-Offs - Seven years. The time runs from the date of the delinquency, plus 180 days. For example, if a payment was due on an account on XX/XX/XXXX, but the debtor defaulted, and never caught up to become current again, and the account is eventually declared a charge-off by the creditor, then the seven years reporting time limit starts running on XX/XX/XXXX, with the item scheduled to expire from his/her credit reports on XX/XX/XXXX. I have attached paperwork directly from the Navient website that clearly shows the first late on this account occurred on/around XX/XX/XXXX, but my credit files are reporting that there was n't a late on the account until XX/XX/XXXX. This erroneous entry showing an incorrect date of first delinquency is detrimental to my overall credit rating and has caused me severe financial and emotional distress.
My question now is how was this investigation conducted to confirm that what is currently being reported is accurate? A template response to my complaint at this point will not be acceptable. This account is not only being in-accurately reported but is also past the reporting limits based on the Fair Credit Reporting Act. If this situation is n't immediately rectified I will be forced to take further legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
XXXX XXXX IN THE AMOUNT OF {$1600.00} XXXX XXXX XXXX IN THE AMOUNT OF {$1300.00} XXXX   XXXX  IN THE AMOUNT OF {$410.00} XXXX   XXXX IN THE AMOUNT OF {$830.00} XXXX XXXX IN THE AMOUNT OF {$270.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE 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 non-monetary relief
Consumer complaint received 2020-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This account was never late I refinanced the car and they reported it late and it should not have need XXXX XXXX 30 DAYS LATE Auto Loans {$0.00} Status Date ReportedXX/XX/XXXX Payment Status 30 Days Late Account Details Bureau Name XXXX XXXX Account Type Auto Loan Responsibility Individual Original Loan Amount {$14000.00} Date Account Opened XX/XX/XXXX Date Account ClosedXX/XX/XXXX Payment Details Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Term 72 Months Payment Frequency Monthly ( every month ) On Time Payments 100 % Worst Pay Status Current

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 2018-04-02
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/2017 i was informed my wells fargo account was closed. I didnt think anything of it and I accidently left my debit card at house i had been living at with some roomates. The roomates knew my pin. Apperently my tax returns from that year were deposited into the account becasue the account wss actually not closed. The roomates theb spent my entire rax return and over drew my account. I was not infromed of any of this till 6 months later i get a call from a debt collector. I then call wells fargo and was told my account was XXXX $ and had been closed. I told them that my card had been closed and they informed me of the tax returns being deposited but they couldnt see what it was spent it on or how my account was overdrawn, that i would have to go to bank to get myblast transactions pulled up.The bank did not help me at all. I then tried to search for my debit card abd could not find it. I tried to contact my previous roomates but they seemed to have disappeared and moved from the house that we all lived at.

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 2020-05-14
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase Bank - Breach of contract We are including part of the evidence in this document as Chase bank continues to refer prior withdrawals to try and cover-up. 

On XX/XX/XXXX at the Chase branch on, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, GA XXXX At approximately XXXX XXXX  as the video will show, we walked in and requested a withdrawal - which was denied by the branch, and I was told by both the Teller and Head teller they were not able to provide me my money. This is most likely due to the complaints I have had with Chase bank and their practices. prior. This caused a tremendous pain and suffering as I was not able to withdraw much-needed cash. 
We have given Chase Bank ample time to atone for the breach of contract, even after admitting over the phone they continue to state a different date of withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I called to close my account and recieve a closure notice by email on a friday. I was informed they could not email me the closure notice. They told me they didnt have email access.. I asked to speak with a supervisor. And he also informed me they did not have email ... Which is wierd seeing they are a credit card company. And the 2 other cards i closed before this did it for me immediately. With no hassel. I then got a call the following tuesday saying they would send me out a email and they were sorry. Then this saturday i got a call again from them. They stated my card was not closed and they could not email this info to me because thier email wasnt working.. I asked how they responded to my XXXX   complaint through email if they could not do this for me.. They told me it was a format issue.. After i had caught them in a lie .they continued the lie telling more trying to cover up thier bad bussiness practices. 
For a bank this size not to have a email system for over a week and not close my accoumt when asked is totally unacceptable. It was clearly a lie and a manipulative ploy on thier behalf to not close my acvoumt and make it as difficult as possible for me. The person i spoke with said her name was : XXXX at phone numer XXXX XXXX XXXX ext XXXX. 
I would lile a email from them comming clean about thier lie of not having email access. And an appology for wasting my time and delaying my refi of my home. 
I would never do bussiness with this company ever again. 
Beware to future card holders. I hope this helps some one in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02
Company: Paypal Holdings, Inc
State: NM
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This all started back in XX/XX/XXXX ( Currently Early XX/XX/XXXX ) when paypal tried to take XXXX dollars out of my bank account and the funds weren't available so paypal charged my checkings account {$26.00} dollars putting the checkings account into the negative balance. Being a college kid, just recently getting a job with a decent commute, hit rather hard. I moved money around but a couple more monthly payments that I didn't anticipate went through just before paypal tried again and charged another {$26.00} ( a consistent number through this story ) at this point I was pretty dry for money and payday wasn't for a couple more days, and of course it tried again but this time it just subtracted from paypal totaling to - {$12.00} in paypal. At that point I called support for my bank to see what the deal was at which point I was directed toward paypal so I contacted their support system. On the phone with them they basically said I was lying and that paying the difference in my paypal account might fix it. After 3 to 5 business days nothing had happened at which point I had become busy and wouldn't bother with this issue again until XX/XX/XXXX after another incident that actually took place in late XX/XX/XXXX. This was a charge of {$14.00} got declined by my bank and paypal charged another {$26.00}. In that support message it was basically me telling this story then a month later I got a message from paypal saying it has been resolved but funny enough that was not the case so I alerted them about that and have not heard back since. Fast forward to XX/XX/XXXX a payment of {$10.00} failed to go through an yet another {$26.00} out of my pocket totaling a whopping {$100.00} that shouldn't have even been able to leave my basic checkings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
When I opened an account with BECU, I opened a checking, savings and personal line of credit account. I deposited a substantial amount into the savings account and asked the clerk to link it to the checking account for overdraft protection. Three years later, I discovered after reviewing my statement carefully, that my overdraft protection was linked to a personal line of credit that over the years cost me ~ {$1300.00} in interest while I had a savings accounts with $ 20K+ under the same name in the same bank. BECU refused to refund the interest charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
Family suffered complete loss of home. Insurance sent check which was made out to myself and Well Fargo. We had a home equity loan which had to be paid off, that was why it was made out to both. Sent check to Wells Fargo to have them payoff loan in mid XXXX, haven't seen check since. {$400000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a collection account for a medical bill. I had and still have insurance and met my deductible therefore no additional monies should have been billed. This has adversely affected my credit score and I need it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: CAINE & WEINER COMPANY, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2020 i sent CAINE & WEINER a debt verification letter https : //files.consumerfinance.gov/f/201307_cfpb_debt-collection-letter-2_more-information.doc by USPS certified mail with tracking number XXXX to CAINE & WEINERs lockbox address listed on my XXXX  report XXXX XXXX XXXX, XXXX XXXX , CA XXXX CAINE & WEINER had received my latter In XX/XX/XXXX and they failed to respond to my verification letter with any documents after 30 days ( Why they thinks i owe the debt, Original creditor contract, Authority to collect the debt, Last statements ).

Company response to consumer: Closed with explanation