BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-11
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have recently refinanced my mortgage with loanDepot. After the mortgage was closed, I had issue to set up online payment. I have tried to call them for 15~20 times. Every time there was a long time and eventually I had to disconnect after 30~40min wait. In the very few times when I was able to talk to someone, I was told it will be fixed next day or in a few days which was never true. Almost 3 months after the loan close, I still can not set up my online payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My name is XXXX XXXX I bank with PNC Bank and on XX/XX/XXXX I went to PNC Bank Branch at XXXX in XXXX, Pa. at XXXX XXXX XXXX. XXXX, Pa XXXX, to make a withdraw out of my checking account, the bank teller who assisted me her name is XXXX XXXX. 
XX/XX/XXXX, I received a call from PNC credit card underwriting spoke to XXXX, He told me he has an application for me that I filled out for a credit card, I told XXXX No I have n't applied for a credit card, he told me that the application was filled out on XX/XX/XXXX. I told XXXX to please shut the card down immediately, he told me NO CREDIT REPORT WAS PULLED AND THAT HE WILL SHUT THE CREDIT CARD DOWN. XXXX SEND ME A CREDIT REPORT THAT PNC BANK DID PULL A CREDIT REPORT 2 X. 
XX/XX/XXXX, I spoke to XXXX XXXX she denied pulling an application under my name Illegally. I contacted her manager XXXX XXXX XXXX. He did ask me what happened I did tell him. 
I was referred to XXXX XXXX she 's with PNC Bank Executive Client Relation her tel # XXXX she keeps telling me these things take time. I also filed a Police report with XXXX XXXX Report # XXXX. I BELIEVE I WAS SINGLE OUT BECAUSE I 'M A SENIOR CITIZEN OVER XXXX YRS. PNC BANK CREDIT CARD UNDERWRITING TOLD ME THAT THE APPLICATION WAS OPENED ON XX/XX/XXXX BY XXXX XXXX SHE WAS GETTING CREDIT FOR THE APPLICATION SHE OPENED WITHOUT MY AUTHORIZATION. I FEAR XXXX XXXX SHE WOULD DO ME BODY HARM IF PNC BANK FIRE HER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: BBVA FINANCIAL CORPORATION
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:
On XX/XX/2018, I was notified by BBVA Compass Bank via e-mail of a Fraud Alert concerning a transaction in the amount of {$420.00} attempted by XXXX XXXX XXXX XXXX XXXX. I called them immediately to let them know it was indeed a fraudulent transaction which prompted them to remove the account and send me a new Visa credit card. I was told an investigation would be opened that day ( XX/XX/2018 ) and I'd be notified via US Mail of the outcome. It's been more than three months and the issue still has not been resolved. The fraudulent charge keeps showing up on every new statement ( along with the interest ) and every time I call for an update I'm told the investigation is still in progress. I've called the Fraud Department number directly ( XXXX ) but after being on hold for more than 50 minutes each time, I just hang up. The incident # is XXXX. Per your website, BBVA Compass is REQUIRED to resolve these types of disputes within 90 days and they have failed to do so. Any assistance you can provide would be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24
Company: Apelles, LLC
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:
this notice is my demand to cease and desist collection activities prior to validation of purported debt and you must validate the collections claim of an alleged debt. You must provide verification that an actual debt really exists now or ever existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Good day- I have experienced bank fraud with Bank of america XXXX XXXX Branch by means of a female employee stealing my business bank card info after my bank visit, it's happened twice to date .. 

1st theft : i went into the branch XX/XX/XXXX noon appt to ask about banking monthly fees because it's a business acc ... the person that assisted me was new and didn't know what he was doing so he ask a female employee to help and she did ... ..5 days later XXXX/XXXX/XXXX i received an alert saying my business card was set up for recurring charge of {$2800.00} from a clothing store in ohio called XXXX ... .i immediately alerted BOA fraud dep to stop the transaction and investigate it ... .they did and found nothing said, the clothing store doesn't exist ... .my money was returned .... this employee is obviously a professional thief ... .. 

2nd theft : this time i was prepared for this female professional thief .... i went into the branch XX/XX/XXXX noon appt ... .to change my last name on my business account from XXXX to XXXX due to marriage ... ..once again the person assisting me is new so she ask the same female that stole from me the first time to help, and she was more than willing ... i left the bank just like before .... 5 days later XX/XX/XXXX my business credit card info was stolen and set up as a recurring charge for {$80.00} from the same place in Ohio .... but this time I caught it immediately because I expected it. I reported it and changed my card .... I was unable to request an internal investigation because the bank temporarily closed for 1 wk after my visit so the thief is still working there ... .i will go there when they reopen XXXX.to retrieve the thief 's full name ... if she stole from me twice she's doing it to other customers .... 

*****Bank of America info : XXXX XXXX XXXX XXXXXXXX XXXX XXXX florida XXXX # XXXX. 

XXXX My Info ... ..XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX i own the company XXXX XXXX ( XXXX XXXX ) ,,, XXXX cell

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 2021-04-30
Company: EQUIFAX, INC.
State: AZ
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, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
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 letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2018-02-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I paid three companies from my personal line of credit that I need the bank to look into. XXXX XXXX   XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.These companies took my money and did not render me one bit of service.This just happened in the middle of XX/XX/2017.Do I not have any dispute XXXXights.The bank needs to look into this for me, I know I must have rights.When a company takes this kind of money from people you would expect to get what you paid for.Wells Fargo should take a close look at these companies. Im hoping Wells Fargo would look into this for me as i was rendered no services at all from any of 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 2020-06-24
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please help, I have disputed these charges several times and now they are on my credit file inaccurate and false. I lived in this apartment complex for four years, gave the proper notice and moved out. I'm now finding out I'm being charged for carpet, paint etc. which is inaccurate and that should be normal wear and tear and the landlords responsibility. There was no damages at all. The charges are inaccurate and I do not owe. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: Comerica
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2018, I was notified a credit of {$34.00} was posted to my account due to a fraudulent charge. I never received the credit. I have contacted XXXX XXXX six times and they put out trackers to check why it hasn't posted. To date 6 trackers have gone out for this one issue. Customer service states they can't give me any timeframe and I can't speak with any other supervisor. They state that is policy and I must wait until whenever. I know it's not muchone but I am on a fixed income. I didn't budget for this type of error. It has put a financial burden on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-08
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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : 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 2019-01-22
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2018, I was made aware that Best Buy Card Services had been reporting my credit card as being paid late since XX/XX/2018. 
I had no used my Best Buy card for some time and didnt have a balance so I was very concerned and called Best Buy. 

Upon further investigation it was found that my card was fraudulently used in XX/XX/2018 for a purchase of approximately {$20.00}. Best Buy agreed to remove the charge at that time as well as all late charges and update my credit report to reflect what had happened. 

I have called Best Buy three more times since my initial call in XX/XX/2018. Each time they acknowledge the fraudulent charge and late fees that are on the account are there incorrectly and tell me that in the next billing cycle I will see my account updated and all charges removed. It is now nearing the end of XX/XX/XXXX, and three months has passed. My account is still being charged late fees and my credit report has not been corrected, instead they continue to report my account delinquent and have since lowered my credit line from to {$2000.00} to {$100.00} as well as continue to charge late fees on the account.

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 2020-07-04
Company: EQUIFAX, INC.
State: MI
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:
There was a late payment marked on my report several months ago. It was late due to being a XXXX  dealing with XXXX. I requested it be removed, but it has not been.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Bank of America is reporting a wrong address and balance to XXXX. I have tried over 5 months to have XXXX and Bank of America correct the issue ... and my credit report still shows the wrong address and balance. My address with this Bank of America auto loan account should be : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The balance should report Paid in Full, {$0.00}.

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 non-monetary relief
Consumer complaint received 2020-06-25
Company: PNC Bank N.A.
State: PA
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 use PNC for my personal finances and XXXX for my business banking. Unfortunately PNC will not allow the linking of my two accounts, so anytime I need to pay myself I am unable to do so electronically. This is a huge inconvenience and appears to be unnecessary considering the security protocols in place to enable account connection between the two banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a re-finance mortgage on XX/XX/2020. I was told the process could take 90 days. The first week I submitted all required documents. After that, nothing has happened. I have made several attempts to call, email, and have gotten no response. I can not get a response from Fifth Third on where it stands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: AMA Advisors, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage because my mother was living with me and contributing {$2500.00} into the household income and she passed away. I then applied for a loan modification and was denied. My income between my pension and social security income is {$4300.00} monthly and my unpaid balance on my home is {$240000.00}. With the low interest rates I did not understand how they sent me a denial stating that my income was insufficient. I was also denied due to my hardship not qualifying. I called my lender and asked for more information including the value used and how the value was derived. I was told to contact my lenders counsel. I did and was unable to get a copy of the valuation, I began requesting this information in XXXX and it is now XXXX. I also asked for the net present value used in the modification underwriting. I was told that it would be sent to me and never was, they just continue to send the denial missing the information I am requesting. It has been 6 months and they will not share the documents. Also, I am in a XXXX and over community and had to leave for almost a month when the quarantine began, I also had to pause my home based business. Homebridge Financial is refusing to  give me the forbearance under the CARES act stating the firms procedure, however I was under the impression that everyone who had a hardship qualified. I thank you for your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: ProCollect, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid a debt that was not verified. I just needed be removed from my credit. I never received a letter from Procollect showing a breakdown of the charges. The apartment community was under new management Each time I called and tried to express the reason why the debt was invalid, the representative stated that they would update my report with a refusal to pay. This was incorrect. I have documents noting the apartment was experiencing heating issues. 

Now that I have paid they have refuesed to deleted the debt as promised. Their responses are always different 1 ) We have reported it to the credit Bureaus, contact them for their timeline 2 ) I must wait 90 days for the debt to be removed from my credit. This is unreasonable. If you are instantly able to report a refusal to pay, you should be able to remove the debt in a more timely fashion Additionally, I have contacted the Credit Bureaus, they have repeatedly stated that you have not responded to their dispute letter. I believe your tactics are not in accordance with the Fair Credit Reporting practices

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 2021-02-12
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I opened a new " XXXX XXXX Credit Card '' credit card with XXXX XXXX. 
On XX/XX/XXXX, I was notified that the XXXX XXXX card would be replaced with a TD Cash Credit Card. 
On XX/XX/XXXX, I received and activated the new TD Cash Credit Card. 
On Friday, XX/XX/XXXX I received a letter in the mail indicating my TD Cash Credit Card account has been closed due to inactivity. 
On Friday, XX/XX/XXXX I called TD Bank immediately at XXXX and requested my account be reopened. 
Two representatives informed me the account could not be reopened due to TD Bank policy. 
A " floor supervisor '' named XXXX explained that notices were mailed to me warning of the inactivity and upcoming account closure. I have never received any such notices. XXXX and I confirmed the mailing address on the account is correct. 
XXXX could not explain why I did not receive any notices about the inactivity. 
I was not informed of TD Bank 's policy as it relates to inactive accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written to XXXX XXXX SEVERAL times asking for VALIDATION of my debt and to get the original paperwork/contract. They continue to send letters that say that they have resolved my dispute. I did get a letter in XX/XX/2018 that says the account is closed, HOWEVER I feel that this account should be REMOVED from my credit file.

Company response to consumer: Closed with explanation