BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-06
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I currently work at a XXXX XXXX than the one I bank at. I have decided to change everything over to this new account and change everything out. I thought I had everything coming out of my new account, but three of the people pulled it out of the old account. I did n't want to close out the old account incase something were to come through I wanted to make sure things were taken care of. Only XX/17 a withdrawl of XXXX came out from the XXXX XXXX that was not suppose to. I figured I would take care of that and the overdraft asap. When I checked the account I was noticed a few fees on the account. When I called the XXXX, OH branch of PNC I was told that they charge XXXX dollars for one day, XXXX for two and XXXX for 3 up to 14 days. He informed me that I was almost at the 14 days when this took place. This has resulted in XXXX dollars worth of fees. I was told that they would see when they could do so that I could close out the account, but that I would just have to check the account. I have since has 2 more things come through, both of which were suppose to come out of my new account that has given me yet another overdraft fee. I am okay to pay the things that have come out and take care of what I need to, but it is my understanding that it is against CFPB regulations to charge an already overdrawn customer fees per day for being overdrawn. I would relly like to get this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PROFESSIONAL DEBT MEDIATION is attempting to collect a debt that unverifiable and I do not recognize. I expect a cease and desist and delete all negative information reported on credit bureaus which is unverifiable and hurting my score. I have never business with this company and have no agreements with this Company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Came in to the XXXX XXXX hoping to open an account. Wow, I did not think banks could treat future clients so awful. I asked the teller for a sign in sheet and she told me that I should go to XXXX Wells Fargo bank. I knew right away that these people were not looking out for my best interest. 
I felt like a third class citizen. If they spat at me, it would had been expected from these people. The way the bank associate looked down at me ... made me feel like I was the scum of the earth. 
Location of Wells Fargo bank is XXXX XXXX XXXX  XXXX XXXX, Washington XXXX You know, it might not seem like XXXX Veterans have anything to do all day but wait in line. But, we have families to look after, too. 
I even asked the teller how long it would be before I could talk to a bank associate. She told me, " an hour. '' I had no problem with that.and sat down in a chair and waited 45 minutes. When a bank associate did show up, he talked to his tellers for 10 minutes and then talked the customers in line for another 5 minutes. While I was still waiting, he finally strolled over to me. He told me that he had a meeting coming up and he did not have time to deal with me. I asked to speak with the bank manager. The bank associate told me that she was busy.

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 2017-12-06
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I filed for bankruptcy. I did not include my mortgage with XXXX XXXX because I was present at that time and the bankruptcy attorney advised that unless I chose, I did not have to include my home. I did not include my home yet continued to make payments on time. In XX/XX/XXXX, XXXX XXXX stated they would correct my credit as two payments were improperly placed into another fund instead of being applied to my mortgage. Before fixing the issue, they transferred me back to Freedom Mortgage as my servicer, inXX/XX/XXXX, while stating I was then past due. I submitted all documentation to XXXX XXXX, Freedom Mortgage and all credit reporting agencies in order to resolve this issue. 
It is now XX/XX/XXXX and I am still fighting to resolve this issue as my credit has plummeted and though XXXX XXXX has corrected the problem on their end, Freedom Mortgage is still reporting my mortgage delinquent. I have obtained attorneys and HUD, but have not received satisfactory services.

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 2020-02-06
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Reference # XXXX I applied in XXXX for the Home Depot card and was denied. In the denial letter the following was listed as reasons based on my XXXX   report. 
My credit score was stated to be XXXX Serious Delinquency Lack of recent bank / national revolving accounts Too few accounts paid on time Length of time accounts have been established I have reviewed my XXXX  report and XXXX XXXX score and there are multiple discrepancies in the denial and the actual information on my report. 
XXXX XXXX score shows XXXX XXXX score is XXXX I have 3 open accounts 1 auto and 2 installment loans which have all been paid on time and report as paid as agreed. I have 1 closed auto loan that shows paid as agreed. I have several installment loans that are closed also showing paid as agreed. I have had the current auto loan 2 years next month. I have attempted on several occasions to contact the company at the listed # XXXX but have been unable to be connected to a representative.

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 2019-08-26
Company: EQUIFAX, 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 have been trying to get the 3 major credit bureaus to investigate these accounts that don't belong to me, I have not yet received verification from anybody at XXXX, Equifax or XXXX since last year. the following accounts below are not my accounts 1. XXXX XXXX acct # XXXX 2.XXXX XXXX accts # XXXX XXXX 3. XXXX XXXX Bank acct # XXXX I requested that the only name that needs to be reported on my XXXX, XXXX, and Equifax credit file should only be AS FOLLOWS, and they never removed fraudulent names from my report as requested, my name as followed should be only name. 
1. XXXX XXXX XXXX I requested that these address be removed because they're fraudulent addresses as follows and never received validation from XXXX, Equifax and XXXX  1. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX. XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, NC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Multiple accounts are reporting on my credit reports, that are incorrect 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
Consumer complaint received 2021-03-30
Company: Carvana Group, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I am writing to express my concerns about a recent incident I experienced with your company. I purchased a XXXX XXXX XXXX on XX/XX/XXXX with a down payment of {$800.00} shortly after purchasing this vehicle I started experiencing problems. There was a very loud noise coming from the front end of my car when accelerating. Due to the holidays and XXXX being backed up I was unable to get an appointment til A few weeks later. I took my vehicle to XXXX XXXX on XXXX XXXX in XXXX to receive a diagnostic on my vehicle. After leaving my car at XXXX for 8 hours, a full business day the mechanic at XXXX informed me that the noise was coming from the car being low on oil. Silver rock then advised him to check my car for any leaks and to change the oil on my car however they were not covering the costs for the oil change. After advising the mechanic that I didn't have the money at the time for the oil change he refused to check my car for any leaks and stated that my car just needed oil. I took my car to be serviced for an oil change and a few weeks after my car completely stopped on my way to work. I checked my car for oil and there was no oil in my vehicle. Shortly after this incident I reached out to XXXX rock regarding this manner who advised me to take it to XXXX XXXX. Once I arrived at XXXX XXXX I explained to them my concern with my car and a diagnostic on my car and stated that it could be an internal problem with my engine. They also were unable to service my vehicle. This has been more than an inconvenience to me. I have missed work and class due to me not having a reliable vehicle that I have paid my money for. I also paid for a warranty through your company whos also very unreliable. I have had to call them multiple times just to get the costs covered for work that wasnt done on my car due to the miscommunication between them and the mechanics. Since I purchased my car it has been at least 4 different repairs and I'm still having the same issues. As a customer I am very disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: CREDIT ACCEPTANCE CORPORATION
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 have been trying to get verification from Credit acceptance corporation and all 3 credit bureaus about this fraudulent account that is reported on my credit reports and have yet to receive any response back!

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 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was checking my recent credit report, and found accounts and inquiries that I did not recognize. These accounts are fraudulent and I have never given authorization for these accounts. There were multiple inquiries reported on XX/XX/XXXX of XXXX and more on XX/XX/XXXX of XXXX, that I have never applied for.

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 2019-08-26
Company: AES/PHEAA
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The payment was sent XX/XX/XXXX via registered mail number RE XXXX XXXX XXXX US AND THE DEBT VALIDATION LETTER ON XX/XX/XXXX VIA CERTIFIED MAIL NUMBER XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my debt in full on XX/XX/XXXX, and they still haven't reported the debt as paid in full as of XX/XX/19. I called a few days after XX/XX/XXXX, told there was nothing the rep could do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
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: Information belongs to someone else

Complaint:
Good Afternoon, on XX/XX/XXXX I paid {$16.00} and sent a notarized certified letter with an Identity Theft Affidavit to Equifax and XXXX  regarding a fraudulent account on my credit reports. 

I received notification that Equifax and XXXX received my notarized certified letter with its contents on XX/XX/XXXX. In accordance with the Fair Credit Reporting Act Section 611, the credit bureaus have 30 days to investigate and remove, block the fraudulent account in question that is being disputed. 

I have paid a consistent {$24.00} over the last several months to my credit monitoring account to refresh my credit reports monthly to keep track of this issue. 

It is now XX/XX/XXXX and the fraudulent account has NOT been removed from my credit report and causing an on going hardship on me and my family because of this. I am submitting a complaint to the Consumer Financial Protection Bureau for assistance in this ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX, XXXX  and Experian have violated my rights by reporting this incorrect account that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.

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 2021-10-04
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXXXXXX attempted to collect a debt that was fraudulent. I disputed this for several months in writing as well as over the phone to no avail. They then sent this debt to Credit Control Corporation which sent me 1 letter several months ago. The letter included instructions on how to dispute the account which I completed. A very lengthy and detailed letter was sent to them, again, to no avail. After I sent the letter, I didnt receive any form of communication with them for several months, leading me to believe this was resolved. Credit Control Corporation added the fraudulent collections account to my credit report. Ive disputed the account multiple times with no results. I still have yet to hear from Credit Control Corporation and its apparent that they dont care that the account is fraudulent. I did not receive treatment at this hospital. I have not been to the XXXX XXXX  XXXX XXXX in over 10 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Everyone is struggling, I have 4 mortgages with Wells Fargo which are current, I didn't ask for a hand out. I have about 10 accounts and am a business banking customer who has a lot of money in my accounts which XXXX pays me ALMOST NOTHING WHILE THEY LEND IT AT RATES HIGHER THAN EVERYONE ELSE., because their bill pay service is so slow and convoluted its almost impossible to calculate when they will actually debit your account. ITS NOT FAIR THE GOVERNMENT SHOULD MAKE THEM BE MORE ACCURATE. They charged me {$12.00} for and overdraft transfer fee When I HAD PLENTY OF MONEY and had signed up for overdraft protection. They are taking advantage of people in this time of crisis. I urge you to report this to the people who make the rules to stop them from gouging. I WANT MY MONEY REFUNDED {$12.00}, when you try to call the wait time is an hour! Its not right, they should be made to hire enough employees especially in this time of crisis. it was XX/XX/XXXX. I typed out a long message on Wells Fargo 's online banking site and when I hit send it logged me out!

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 2023-01-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Im information is inaccurate and I want a block on my 2nd and 3rd credit bureau, because they have inaccurate information of mine. My credit is great and I have a complaint of my credit losing the XXXX points as if recently. Im a XXXX yr retired XXXX veteran and pay all my bill on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Experian Information Solutions Inc.
State: CO
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:
Experience, XXXX, XXXX  refuse to stop an eviction that is on all three credit reports. From XXXX  XXXX XXXX XXXX New Jersey which was over 7 years ago. It is damaging me to find a place to live. XXXX XXXX keeps reporting the eviction that happened in 2012. I need this to cease it keeps going. The statue of limitations is over. And it needs to stop being reported. Under the fair credit practices act. 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 2020-05-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had opened a citizens bank account and the bank refuses to let me have access to my XXXX that Ive deposited into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: BANCO POPULAR DE PUERTO RICO
State: WA
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:
To whomever it may concern, With complaint is directed towards Banco Popular de Puerto Rico ( license from XXXX XXXX XXXX ) I had conversation on the phone with a few representatives and the outcome of that conversation was bazar as they can actually help anyone. They have to talk to the higher ups and you'll receive a letter in the mail with a response??!! 

Another year has passed and with Covid-19, it is not possible to travel, so I am unable to use my XXXX XXXX ( airline miles ) card as it was intended to be used. Travel is not possible right now with the pandemic, so i called to either cancel the card or have the annual fee waived for another year to give the world situation a chance to create a better travel environment. I was told that I am stuck paying the annual fee ( which had already been charged XXXX. I feel this is unfair as I have already paid the initial annual fee when I opened this card up, and with the inability to use XXXX because of COVID-19, I feel I do not need to pay another annual fee as I can not use the perks the card is intended to be used for. Just cancel the card and will be on my way. 

With that said, I would like the annual fee of {$140.00} to be waived as it is posted to my account as of right now, so i can cancel this card. When I reach out to the company they say they have no power I can not talk to anyone with this sort of power ... that I will just get a letter in the mail. It so unprofessional to not be able to talk to someone that can fix this problem. 

Thank you for your time,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent out it 3 sets of letters to the XXXX, Transunion, and XXXX but nothing has happened I continue to reach out to all of them and I let them know that I have no knowledge of these accounts and also show them the police report I ask that they please remove the items but there response is that my they verified that the account and its mine I sent out letters on XX/XX/2021 and they received them on the XXXX I was told that the police report is valid enough to get the items removed this is hindering me from buying my home

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 2020-05-09
Company: EQUIFAX, INC.
State: TN
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:
They removed all the items associated with the bankruptcy except for the bankruptcy.

Company response to consumer: Closed with explanation