BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-10
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: Sent card you never applied for

Complaint:
I went to the PNC Branch ( XXXX XXXX XXXX, XXXX, PA XXXX ) to replace a lost Credit Card. The card I wanted to replace had a limit of {$1600.00}. A few days later I get a PNC Credit Card and I assume it's my replacement. 

However, I learned that it's a new credit card I DID NOT APPLY for. It has a limit of {$11000.00} and the interest rate is 5-6 % higher than my previous one. 

I contact PNC to show me where I signed-off on the new card application. Provided nothing. Contacted the branch, no help. 

I learned they were pretty much doing what XXXX XXXX was doing to incentives their employees buy opening as many accounts as they can. 

Additionally, my credit report doesn't even show this $ XXXX credit card on my report. 

I've been paying 23 % on this card which I NEVER applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
1. I took a mortgage loan to buy a new construction home through PNC Bank. The settlement was supposed to happen on XX/XX/2021 but because of the negligence of the Bank, the bank did not make a wire transfer to the settlement agent till the next day. XX/XX/XXXX was XXXX XXXX holiday, something that was also known to the bank. As a result the settlement took place on the next working day on XX/XX/2021. The PNC bank refuses to fix the closing documents to reflect the new date of settlement even though the settlement company has done so. According to the bank 's documents, the settlement happened on XX/XX/XXXX. The bank is also charging me interest in the amount of {$100.00} for this period, which is wrong. I have attached the Settlement Statement by the Title company and the Closing Disclosure package from the PNC Bank to support this claim. 
2. I was promised by the bank 's mortgage loan officer that I would get at least {$750.00} in origination fees as part of the loan. I accepted the loan on this condition. The bank did not give me this money in spite of my reminder. A copy of the email exchange is attached to support this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
JP Morgan Chase continues to report the accounts that are the result of identity theft on my credit file. Police and FTC reports were provided and the account was not reported or blocked from being reported to my credit file. I contacted the executive office requested all alleged original documents and they claimed to have been signed by me due to victims of identity theft. I was told that I did not have to provide these documents and to send them a subpoena. I have not received any proof of this account that is a result of identity theft as being a debt I owe to JP Morgan Chase. Also, the credit bureaus were never contacted regarding the report of identity theft. Account is still on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX Equifax is reporting unauthorized information on my credit profile. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
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: Account status incorrect

Complaint:
Back on XX/XX/XXXX my mortgage was in the process of foreclosure, however during negotiations thru my attorney and XXXX XXXX XXXX 's attorney a resolution was reached to pay the back charges due and resume normal activity with mortgage, with no foreclosure and we remained in the home. This was completed sometime in XX/XX/XXXX. So for 6 years I have since made all payments as requested and per monthly statements I receive. Tax 's and Insurance is up to date. The last reporting date on my credit bureau, shows XX/XX/XXXX, and shows current under " payment status ''. But " account status '' shows " closed '', when the balance is XXXX from XXXX when this was worked out through XXXX XXXX XXXX, so balance as dropped as shown, I am not being given credit on bureau since XX/XX/XXXX, and this reports on XXXX and XXXX XXXX. I have called many times but can not get this resolved, and always have to speak to a automated person, or be transferred to someone else who can not help me, except they say " it takes time for updating '' Really? its XX/XX/XXXX, a year and half, since they lest reported. I am not sure why it stopped reporting, as it was reporting current payment but with a closed account?!? I am confused, and need this corrected.

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 2018-01-09
Company: WELLS FARGO & COMPANY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The issue revolves around the dispute of 3 charges of {$15.00} totaling {$45.00}. I have purchased three {$100.00} cards on XXXX ( XXXX ) which were fine. However the 3 x {$15.00} XXXX gift codes that came with the card were invalid. XXXX refused to address the issue blaming XXXX digital for it. 
Subsequently I disputed the purchase with Wells Fargo ( Acct # XXXX XXXX XXXX XXXX ) and I received the note that the dispute was resolved in my favor and {$15.00} instead of {$45.00} has been credited. When I called the CSR line that later transferred me over to dispute line, the issue was not resolved. The dispute person blamed the issue on " the system '' while attempting to re-open the case once more with details over the transaction. I have provided a very detailed account of the dispute including purchase details and I was astounded to hear that the dispute has not been addressed. Subsequently I was transferred to WF 's executive customer service line where I was mocked as the person on the other line, XXXX XXXX claimed she could n't hear me very well. I have made numerous calls that day and my phone line was completely fine as I could hear both CSRs and dispute dept person very well. 

The issues worth asking : 1 ) How many times does it take for WF to get a dispute such as this right? 
2 ) What is an appropriate amount of time WF feels its consumer can be put on hold? 
3 ) Where is the accountability to make sure that the dispute process is dealt with in honest and transparent manner and not in bad faith and deceptively? 

Resolution : {$45.00} credited to my 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 explanation
Consumer complaint received 2018-07-21
Company: American Coradius International LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone opened a fake account in my name and address with XXXX XXXX XXXX That person 's email address is XXXX. The purpose of this complaint is to register this email as fraudulent and the owner participated in falsifying my information to make transactions on XXXX back on XX/XX/2018. They closed that account XX/XX/2018. I received a letter from a debt collector ( ACI ) dated XX/XX/2018 that I owe XXXX {$1400.00}. Transactions were made to someone named XXXX and another person XXXX XXXX. I do not know these people. XXXX has resolved the issue to my satisfaction. I just want to report this email and make people aware that they need to immediately call XXXX if the get a letter like this or suspect fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, 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 have reached out to both eqifax and XXXX multiple times to report fraud with the XXXX XXXX ( XXXX XXXX ) account that was open on XX/XX/2017 with XXXX and showing XX/XX/2017 with eqifax. I did not open this account. It is A fraudulent account. The company says the account was opened online. It is against the law to knowingly report A fraudulent account and neither credit reporting agency is resolving this matter. XXXX has completed an investigation and removed it after findingit was indeed fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
I have been a Bank of America ( " BA '' ) customer for 30 years. On XX/XX/XXXX at XXXX PM, BA alerted me of suspected fraudulent charges of my BA Visa card. I logged into my account and determined that 4 purchases at restaurants in XXXX, PA within the last XXXX hours were indeed fraudulent ( approximately {$160.00} ). Although the bank initially reversed the charges, they later responded that they were denying the fraud claims. I asked for a further review, stating that I live in XXXX, VA and was making in person credit card charges on the same card on the same dates as the online charges in question in XXXX. I also informed them that I had not traveled to XXXX on the dates in question and had not made purchases with these merchants anytime in the past. 

On XX/XX/XXXX, XXXX, the head of Bank of America 's fraud department, called me and offered a personal apology. She said the initial claim had been reviewed by a new person in the fraud department, that she had reviewed them, and they were indeed fraudulent. The bank reversed the charges. I thought the issue was resolved, and I was satisfied. 

Today, on XX/XX/XXXX, I noticed on my BA online account that the fraud refund has now been reversed again for XXXX of the XXXX merchants. I have tried to reach out to XXXX, the head of the fraud department again, but no one answers the number she provided me, and voice mail has not been set up to leave a message. 

I am a XXXXXXXX XXXX with the federal government, and I do not make allegations of fraud lightly. Indeed, Bank of America 's own algorithms alerted me to the initial fraudulent charges. Because I am not able to get anyone from BA to provide me with evidence that these charges are indeed mine, I am seeking the assistance of the CFPB.

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 2018-07-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to record, on XX/XX/2017, Portfolio Recovery Association began reporting a debt of {$1500.00} stating that the original creditor was XXXX XXXX Bank. I paid a credit repair agency to dispute XXXX  XXXX Bank and they honored the complaint and removed the original account but Portfolio Recovery Association has continued to report this fraudulent account despite the fact XXXX   XXXX Bank removed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX account has never been late and the balance is XXXX. I even called in the payment in full with my debt card They need to take off the late payment and correct the balance to 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 2019-10-15
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have made a purchase through PayPal on the XXXX XXXX website. The merchant failed to ship my merchandise - shipping only a portion of the order ( {$120.00} worth ), and not shipping more expensive items ( {$280.00} worth ). The merchant created XXXX  shipping label ( XXXX ) yet the items were never sent to XXXX. When PayPal investigated the case, they agreed with the merchant that items shipped previously satisfied my claim. However, PayPal did not give me an opportunity to support my case and simply closed it with no further recourse, when merchant sent to PayPal two earlier shipment receipts. I clearly stated in my complaint to PayPal that my claim was : 1. The merchant defrauded me by not sending the expensive items and creating a fake XXXX label 2. The items that were shipped were of the substandard quality I believe PayPal misleads public by offering case resolution and protection services when in fact, it sides up with fraudulent merchants without giving customers a chance to recover money. I learned that the XXXX is a XXXX company and I have asked PayPal to stop supporting this fraudulent merchant, to which they refused. I believe by supporting fraudulent merchants, PayPal itself engages in fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: ACS Education Services
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Loan Details Current Interest Rate- Variable- 6.030 Current Balance effective- XX/XX/XXXX Date Loan was sold- XX/XX/XXXX sold from XXXX XXXX Latest Rate they were able to Provide-Starting interest rate- 4.950- XX/XX/XXXX Total Disburdenment- {$50000.00} I was not aware I thought it was this high Current Balance- {$39000.00} Goal : Private Student Loan Reliaf Paying loan over 12 years, balance is not really decreasing, school is now closed, was not informed of loan terms when applied in XXXX. 
- Also payment is not getting applied correctly in addation there was false certification. 

Please help me ... .. 

Contact info XXXX XXXX XXXX Tel- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 notified XXXX shortly after I was furloughed from my job in XX/XX/2020 and later let go in XX/XX/2020. I requested and received a COVID relief payment plan from XXXX for the aforementioned account. Soon after, XXXX lowered my available credit limit, and began charging me over the limit fees in addition to the minimum payment due which I was unable to pay. I had several calls with XXXX collections representatives about this matter ; however, no one was willing to make the adjustments so that I could pay a reduced payment. I continued making payments in an amount I could afford which was in accord with what the minimum account due would be, yet I was reported to the credit bureau as past due. I removed my bank account information from automatic pay because the representative indicated that XXXX would sweep for the total amount due which had escalated to > {$400.00}. I missed the XX/XX/2020 payment because I was hospitalized after a major XXXX and was unable to push or call the payment in personally. I recently started a new job and TODAY, XXXX was the first account I paid in full since this was the ONLY bank that violated the CARES ACT and submitted negative credit report information despite my reporting to you that I lost my job due to the national natural disaster. I also realized that my account was closed by XXXX further harming my credit status.

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 2019-04-22
Company: DISCOVER BANK
State: OH
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:
Since 2000 Ive had a 26.99 % APR on my discover credit card. Ive addressed this issue several times with Discover. Ive been given a 1 year promotion of up to {$5.00} in addition to paying over {$100.00} more than my minimum payment. I recently complained to the XXXX. The response was a snarky work with our specialist to help pay down your credit card and a 4 % decrease to 22.99 % as the best they can do at this time. My conversations with the executive office revealed the ineptitude of their process and lack of understanding. Stating their policy of which I cant view, was taken into consideration. Im absolutely dumbfounded that a good standing card holder of 20 years and an XXXX military Soldier with a limited income can not receive anything better than a 4 % decrease considering Ive paid thousands of dollars to Discover through interest. Ive always paid over my minimum payment and yet I am still treated as a student with zero  credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Received marketing materials stating that during a pacific window if I used my card I would be offered an incentive rate of 1.99 % until 2019 if the card was used for purchases. I used the card to purchase XXXX in airline tickets during the proper window and was not given the promotional rate. Instead when I inquired Citi Bank informed me that I had to enroll in a program to get this rate. The material was received at my house because Im an existing card member. I used the card for this purchase based upon the literature I received. When I asked if I could enroll and then get the rate applied retroactively they said no. The materials were very misleading.

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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is not mine, I don't authorize anyone to use my account, Please remove this inaccurate account. 

XXXX XXXX Account Number : XXXX Bal : {$4500.00}

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 2022-08-11
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is not mine, I don't authorize anyone to use my account, Please remove this inaccurate account. 

1. XXXX Account Number : XXXX BaXXXX : {$690.00} 2. XXXX XXXX Account Number : XXXX Bal : {$4500.00} 3. XXXX XXXX Account Number : XXXX Bal : {$480.00} 4. XXXX XXXX Account Number : XXXX Bal : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
9 inquiry on my credit report that do not belong to me Fraudulent inquiry XXXX XXXX XXXX from XXXX XXXX ( Not mine ) XXXX XXXX XXXX XXXX ( Not mines ) XXXX XXXX XXXX XXXX ( Not mine ) XXXX XXXX XXXX ( Not mine ) XXXX XXXX XXXX XXXX ( Not mine ) XXXX XXXX XXXX XXXX ( Not mine ) XXXX XXXX XXXX XXXX Not mine Here is a list of items on my credit report that I didnt apply for that is fraudulent information on my credit report identity is being use by someone to pull my credit that I didnt authorize I have call the company and send in letters to get item removed off my credit and still these item are hurting my self and credit I have hired a lawyer to get this issue resolved and made a police report bc the company is taking there time to resolving this issue I will have to take it to the next step if I dont get these item off my credit

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