BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-12
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I had a payment withdrawn in the amount of {$390.00} which over drafted my account. The payment was reversed and I was charged a fee of {$36.00} by PNCBank, I was also charged by a {$25.00} fee by XXXX because of the rejected payment. In my opinion I rarely overdraft my account, however, in the few times it has happened in the past PNC has always covered the transactions. <P/>I contacted PNC on XX/XX/XXXX to ask why the payment was rejected this time when they have always covered any similar transactions in the past. I was provided inconsistent and inaccurate information by the representative. The only thing consistent about the call was that I was provided a different answer each time I asked a question. As a side note the service was absolutely horrible! The agent muffled things under her breath about me like " oh man '' and then when I asked to speak with a supervisor, she told me she would connect me with her team lead and instead disconnected the call. I have now waited a full 24 hrs expecting a follow up call, but unfortunately have not received one. <P/>The agent advised me that no policy had changed and that PNC has never covered a check overdraft on my account. She even told me that even if the overdraft was less than {$50.00} that it would have been declined. I then provided dates of similar transactions that had not been rejected and her response was basically that it just depends. She would not provide any type of direct answer as to why this payment was rejected and I have no confidence that anything she told me was accurate. <P/>The main reason for my call was to know why the payment was rejected so that I know what would happen if a similar situation arose in the future. I still have no idea as to the answer. I did also ask for the fee to be reimbursed as a courtesy which did not happen. I feel {$36.00} as basically a processing fee to decline a payment is beyond excessive. This is especially true since because the payment was rejected and I was charged an additional {$25.00} by XXXX. <P/>PNC is obviously aware when someone is experiencing financial difficulty when they are overdrawn, instead of trying to assist, they charge excessive fees that makes it even more difficult for someone in an already difficult situation. <P/>I do plan on closing my account with PNC as a result of this recent experience, however, I still wanted to make the CFPB and PNCBank aware that if the agent I spoke with is the typical agent, then the call center has no idea how an over draft works, how to look up account history and how the current policy works. Additionally, I ask that they review the call from XX/XX/XXXX as the agent I spoke with at the very least needs some coaching on professionalism and customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had just cashed my check and basically they froze 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 non-monetary relief
Consumer complaint received 2022-02-16
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
My wallet was stolen and someone has been fraudulent charges and hospital bills from XXXX XXXX XXXX  and XXXX XXXX of the XXXX who are sharing and selling a debt that I have no knowledge of also a XXXX XXXX address in XXXX XXXX XXXX I have knowledge of my whole life is in shambles and I'm trying to pick up the pieces and move on I need help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is trying to collect {$16000.00} from me for a debt they claim I owe. I have written them several letters since XXXX 2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or everhad ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with  my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Online Collections is reporting that I have a debt with their collection agency for {$2600.00} on my credit report. However, I called them and paid off this debt on XX/XX/XXXX. I have disputed this account with the credit bureaus twice since I paid it, however Online Collections continues to tell the credit bureaus that the debt is still unpaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After filing complaints with all 3 credit bureaus even the original company this has yet to be resolved. Ad Astra is very aware that they received full payment of both accounts and continue to harass me with phone calls along with threats. They along with XXXX XXXX have received the bank statement months ago and refuse to make knowledge of such. Ad Astra provided me a tracking number via usps of XXXX that was to include all legal documents pertaining to this. However, that tracking number shows a In transit update dated XXXX XXXX, 2017 from XXXX XXXX. I do not have any proof of this being legally collected on another company 's behalf. They also are in violation of the FTC by not providing correct and accurate information to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Mortgage Research Center, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX when we bought our home our mortgage with escrow was {$1300.00}. In XXXX of XXXX we got a check for {$3700.00} because they charged to much in the last year for taxes. Starting in XXXX of XXXX our new mortgage was changed to {$990.00}. Now this month we got a notice saying they did not take enough through the past year and we now owe a surplus of {$5600.00}. That amount is to be taken out over the next XXXX months because of their XXXX in not taking out enough every month for our escrow that is their job to keep up on that. Now our mortgage for the next year has almost doubled going up to {$1800.00}. When I call Veterans United Home Loans to see what happened or if anything can be done the only thing I was told is that they submitted a form for our taxes to be assessed again and if those number come back right then we are just screwed and have to deal with it and pay that mortgage for the whole year. That makes it very tight for our family for the next year because this company did not do their job and XXXX us and doubled our mortgage.

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 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
All hard inquiries on my credit report are being reported in violation of the FCRA. Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ), the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

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 2022-10-03
Company: TRANSWORLD SYSTEMS INC
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/XXXX, I received an offer from Transworld System Inc to settle debt of {$9400.00} for {$2000.00}. Prior to accepting the offer, on XX/XX/XXXX, I spoke to a collections department representative of the XXXX XXXX XXXX XXXX XXXX XXXX ( original creditor ) who verified the offer but instructed me to contact Transworld. On or about XX/XX/XXXX, I spoke with XXXX XXXX of Transworld Systems who also verified the offer of {$2000.00} to settle the account in full. On XX/XX/XXXX, I withdrew a cashier 's check for the offer amount and certified mailed it along with the Transworld offer letter and a letter requesting notification of closed/settle account ( Please see attachments ). On XX/XX/XXXX and XX/XX/XXXX, I spoke to XXXX XXXX, and on both calls she indicated that Transworld has posted the payment to the account, and I will receive a closed account letter in 5-7 days. On XX/XX/XXXX I did not receive the closed account letter that XXXX XXXX stated. But instead, Transworld sent me another offer letter dated similarly to the first offer letter, dated XX/XX/XXXX, in the amount of {$7600.00}. Both debt letters are dated XX/XX/XXXX. 
I spoke with XXXX XXXX on XX/XX/XXXX at XXXX who stated that to disregard the letter and that the closed account notification letter was mailed from Transworld XXXX XX/XX/XXXX, and that I should receive it soon. On XX/XX/XXXX, I called to Transworld Systems again at or about XXXX and spoke to XXXX XXXX XXXX in error offer letter that I had received on XX/XX/XXXX for {$7.00}, XXXX. XXXX XXXX verified that I paid the {$2000.00} and that the debt had been settled and the account closed. She also stated that I should receive my closed account letter absolving from the and that it went out on XX/XX/XXXX. To This very day I have not received the letter promised by Transworld Systems absolving me from the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
For over four years plus, Chase Home Finance has been inundating me with XXXX mailers that offer attractive, no-cost refinancing terms for my first mortgage. In XXXX 2013, I applied. Our family 's credit is perfect. It took months and tons of documentation but Chase would n't refinance based on its inability or unwillingness to verify my fully-disclosed second mortgage with another institution. I sent billing statements repeatedly and some closing documents to the loan processor. Still, no go. I abandoned the effort. <P/>Why is Chase allowed to mail me repeated offerings when it has no intention of closing a refinancing with me? Two, rates have climbed so the attractiveness of the offering has diminished.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: EQUIFAX, INC.
State: AZ
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:
The following account is fraudulent and unauthorized : XXXX XXXX XXXX, I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. Review attached document. I never applied for a XXXX XXXX personal loan. The account is not mine. Its a fraudulent and unauthorized account. My correct date of birth is : XX/XX/XXXX. There person who opened the fraudulent account had a state drivers license in my name, with a picture of me with the date of birth of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Equifax to report that I was a victim of identity theft. I began to explain this to the customer service representative and she stated I first needed to complete a XXXX question process before she could update my credit profile. The customer service representative then transferred me to Equifax consumer satisfaction automated line; rating the satisfaction of the experience with Equifax system. After answering the XXXX questions the system disconnected me and the customer service representative never resolved my issue nor explain to her that I faxed a police report supporting me being a victim of identity theft. Please investigate Equifax illicit practices ; and I'm also a victim of their data breach. My information has been compromised due to their security breach. I truly don't trust them reporting nor storing my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
As of today my credit score from experian says XXXXMy score went down without me knowing.My credit score from XXXX  and XXXX  are above 750

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 2022-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
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:
My first statement balance was due for last month with BANK OF AMERICA ALLEGIANT CREDT CARD. Im a new card holder. I did not receive my first statement. I have an excellent credit score and I pay my bills on time and the statement balance to avoid interest charges. I realized it was probably time to pay two days after the fact but because its my first statement I had no way of knowing when. I paid my statement balance but of course got hit with a {$29.00} late fee and {$12.00} interest. To me this is probably what they do to all new customers. Its clear with their refusal to refund the fees being Im a new customer. I feel this probably makes the company a lot of money! Total scam! They said they would do an investigation. Whats is there to investigate? I didnt get it and they will say they sent it. Horrible customer care! I will not be swindled by a company no matter the amount! I want a credit in the amount of {$41.00}!!

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 monetary relief
Consumer complaint received 2022-02-16
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/22, I scheduled a mortgage payment online with Freedom Mortgage. In the same computer session, I immediately canceled the pending payment because I realized I had to make it for a few days later ( which I canceled and scheduled another for XX/XX/22 ). I canceled this payment literally less than a minute after scheduling it, but the money was still withdrawn out of my account 5 days later and the other payment scheduled for XX/XX/22 was applied as well. I called the mortgage company when I noticed that there were two payments applied to my account in XXXX and the rep told me that I would need to conference a rep from the bank that holds my checking account or provide them a statement that shows duplicate payments were taken out of my account before they would refund me my money! However, this is theft! I have a right to immediately cancel a pending payment, less than a minute after I made the online payment, so forcing this payment to still go through after the cancelation option was still available is theft! I have had nothing but problems in the two months this company has been servicing my loan and something must be done about it to stop them from continuing these deceptive 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 2017-12-30
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 status incorrect

Complaint:
In XX/XX/XXXX, I received notice from my credit reporting agencies regarding an account with XXXX. This account was closed over ten years ago at my request. All statutes of limitations have expired on this account and it is against the law for this to be appearing on any current credit reports. XXXX has falsified contact and payment information starting in XX/XX/XXXX in order to continue damaging my credit and increasing the amount of this falsified debt. XXXX had refused to remove this from my credit reports. Furthermore, all three agencies ( XXXX, Equifax, XXXX ) are still reporting this expired debt. All of my attempts to remove this negative report have been ignored by XXXX as well as the three credit reporting agencies and they continue to violate fair credit reporting laws. XXXX is a predatory lender and a simple XXXX  search on the internet will reveal how many military personnel and their families have been hurt by this company. XXXX went so far as to contact me after I had been XXXX XXXX in order to establish this account with me. It clearly states in their own policy that XXXX accounts are for active military personnel only. I was approached while undergoing medical treatment at a VA hospital and should never have been solicited in my medical condition to open an account as a veteran. Upon closing my account, and attempting to set up a reasonable repayment plan, I was denied, and they immediately reported it and refused all attempts by me to remedy this debt. My final contact with them was in XX/XX/XXXX and I have had no further contact by telephone, text, email or US postal service. However, they continue to falsify credit reporting statements with fictitious statements regarding payments and communiques. This allows them to continue to report what should be an expired debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX 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 2017-12-30
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I did a transfer of XXXX litecoins valued at approx {$250.00} each from XXXX to XXXX. The transfer process is noted in my account as pending. It usually only takes an hour. Its now 24 hours and still says pending. No one has responded to my emails asking for an update and why taking so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Today I tried to get my free copies of my Credit Reports from the three Credit Bureaus but lately I have not been able too. I am becoming very upset as to why I can not obtain these reports. It seems when someone else inquires they are able to receive the information I seek, but I can not. I have reason to believe there is something reported that they do not want me to see. I would like a copy of my free Annual credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
THIS ACCOUNT HAS NEVER BEEN LATE AND WAS CLOSED DUE TO TRANSER. MY CREDIT REPORT STATUS IS IN NEGATIVE. THIS IS INCORRECT INFORMATION AND AFFECTING MY REPORT. STATUS IS CLOSED BUT SHOULD NOT BE IN NEGATIVE

Company response to consumer: Closed with non-monetary relief