BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-07
Company: PNC Bank N.A.
State: PA
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:
In XXXX of 2020 I purchased an item on-line using my PNC Visa Credit Card. The item that was sent to me was not as described, not even close. I have provided 31 pages of communication with the company that I purchased the item from but as of today, XX/XX/2020 the dispute has not been resolved. Several calls have been placed by me to the PNC Bank dispute department and all I get is they are working on it. I provided the original advertisement showing a description and pictures of what I purchased and a picture of what was received. The company that I purchased the item from wants to refund me {$12.00} instead of the purchase price of {$61.00}. The company will not allow me to ship the item back, they refuse to send me a prepaid label or a return authorization. 
I am suppose to have protection against this type of fraud but apparently PNC Visa, even though they say I am protected, to date I am not. The case number for the dispute with PNC Visa is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: EQUIFAX, INC.
State: WA
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:
This complaint is in addition to previous complaint # XXXX, Summary : Equifax wants copies of my Social Security Card and Drivers License or they will not release my credit report. 
Today I received an email noting that " Equifax has completed your dispute ''. I never opened a dispute with Equifax, it was opened with the Consumer Financial Protection Bureau. I tried to log in to Equifax with the confirmation number provided to review the " resolution '' and the site will not give me access because it can not confirm my identify, which is the exact issue I noted in my CFPB claim. I used my legal name and then tried my old ( no longer legal ) name. I was taken to a page that tried to verify my information, but it was all incorrect. I noted this on the online for and I was denied access. So Equifax has my incorrect name and additional information that I can not verify is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: Experian Information Solutions Inc.
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
For 2 years experian representatives fighting lowering my score Also my checking account hooked up to my XXXX account who also had a contract with experian credit bureau. Money missing from my checking account for 2 years until I filled complaint with experian. This is My first month XXXX checking statement that are checking account reflected are normal spending. For 2 years extra money has been withdrawn and no strange charges to identify where money is going from my checking account. Said checking account with XXXX  XXXX XXXX has been XXXX over are normal spending amount. This began after a fight with experian representative. I want the money stollen from me back for 2 years

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 2020-09-01
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is a complaint about Citibank. 

In XX/XX/2020, I opened and funded a Citibank Savings Account with {$76000.00}. Two months later, I tried to transfer {$95.00} out of that account and was informed that my account was " locked ''.

Six months later, my account is still " locked '' and I do not have access to my funds. I have talked to over 25 people at this bank ; customer service reps, managers, tech support, fraud department, etc. and no one can tell me why my account is locked or how to get it unlocked.

Two different representatives told me to visit my Citibank branch to get an answer. I live in XXXX and the closest branch is in XXXX XXXX ; 830 miles away. When I called that XXXX XXXX branch manager, she just laughed and had no suggestions.

I've sent multiple emails. I've even sent two registered letters requesting that my account be closed. I've been promised three times, by bank representatives, that they will investigate and get to the bottom of the problem. 

So far ... crickets. 

No communication from the bank, my account is locked and I still can't get to my money.

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 2019-05-30
Company: EQUIFAX, INC.
State: MA
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 is this account on my XXXX credit report that I do not recognize, I dont know who the data furnisher is and the account is showing that it was discharged in bankruptcy but the problem is that I never had an account with this company called XXXX XXXX, there is no phone number being reported and it says that the account was opened in 2014. I have disputed this account with XXXX  and Equifax also and for some reason they told me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I asked XXXX and Equifax for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes. This is affecting my credit worthiness really bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
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: Was not notified of investigation status or results

Complaint:
Upon receiving my credit report from TRANS UNION I seen 2 medical collection accounts from XXXX XXXX XXXX {$2800.00} and XXXX ) {$9600.00} and an unauthorized inquiry for a XXXX via XXXX account allegedly on XXXX. I sent 3 certified disputes letter dating XXXX, and XXXX. To this date I received no correspondence and as a consumer I asked for verifiable proof XXXX original contract with said company with my signature and not a copy ), names and addresses of the individuals that was spoken to ( rather than sending a meager fax ) that allegedly verified the information being falsely reported ; as well as the method used to verified said false reports. The last and 3rd letter sent on XXXX also informed that a COMPLAINT TO FTC, FCRA, STATE ATTORNEY GENERAL to solidify and strengthen my case before I take the next steps of obtaining a consumer attorney and filing a small claims litigation for ALL MONETARY DAMAGES I'M ENTITLED FOR WILLFUL/NEGLIGENT NONCOMPLIANCE OF THE LAW UNDER SECT. 616 & 617.

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 2020-11-17
Company: CITIBANK, N.A.
State: CO
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 rented a RV from a company, XXXX, in XX/XX/2020. After returning the rental, the company claimed that I had damaged the vehicle. Without asking my authorization they charged the credit card number they had on file for the full insurance deductible. 

Since XXXX did not get my approval to charge my card and since I strongly believed the damage they were claiming was incorrect, I opened a charge dispute with Citi, my credit card company. 

I opened the credit card dispute on the phone in XX/XX/2020. I did it over the phone. The agent I was working with advised me not to dispute the charge as " unauthorized '' charge because he said " law enforcement would be involved ''. Instead, they suggested I claim " goods not received ''. I took this suggestion as I did not believe this was a criminal matter. 

A few weeks later, I received a response from Citi notifying me that the merchant had responded to my dispute. The merchant that responded was *not* Outdoorsy ( it was their payment processor ) and it simply said " this charge was made for damages ''. I told Citi that this was insufficient proof to justify the charges, they sent me this : " The information provided in your most recent letter conflicts with the information used to open your dispute. Your initial dispute stated that you not received the service. Your recent response states that you have not authorized the charge. Unfortunately, while we understand your desire for a credit, we are unable to assist you further due to these conflicting statements. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: R.M. Galicia, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to complaint about XXXX Hospitals XXXX and Progressive Management Systems based in XXXX XXXX. BACKGROUND : In XXXX XXXX, I was on a family holiday in XXXX, CA when my youngest daughter who at that time had recently finished XXXX treatment fell ill, as parents we were fearful that her XXXX may have relapsed and rushed her to XXXX emergency in XXXX. Whilst at the hospital in the emergency we were approached by a representative from the finance department asking us about our insurance details. We have a $ XXXX travel insurance from XXXX XXXX XXXX, we provided all our travel insurance details but she was did not want to get in touch with them and repeatedly asked us to contact them directly whilst my and my wife both were under duress. Upon arriving back in the XXXX, I put XXXX and our insurance provider XXXX in touch directly and a claim was opened under reference XXXX. The claim was taking longer than usual as XXXX did not provide an itemised bill and I kept XXXX up to date with the progress of the claim. LACK OF COMMUNICATION : XXXX passed the account to a collection agency whilst XXXX was dealing with the claim. I contacted Progressive Management Systems ( collections agency ) and informed them of that XXXX is waiting for XXXX to provide an itemised bill. I was promised that our account was put on hold whilst XXXX was dealing with XXXX. UNFAIR REPORTING : Today, I received an email from our bank declining an account because PMS have put a derogatory marker for non-payment of the bill of {$2400.00}. I have recently moved from XXXX to launched a new XXXX in the US with the aim of creating employment and this unfair negative marker on my credit file is making life very difficult for my young family. I have today made the payment to Progressive Management Systems in full. This situation could have been resolved if XXXX had communicated with me, all XXXX had to do was communicate with me that they can not wait for XXXX and I should pay the bill. I have had a terrible experience with the US Medical system and credit reporting tactics employed by health care providers and debt collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
on XX/XX/XXXXmy mortgage debt was paid in full so i assume threre was the taxes that had to completed which i thought was not accurate plus they keep on adding fees and additional interest that i couldn't keep up with so i like for the threats and phone calls to stop and lets work out a deal on the remaining taxes that i really owe and not charge me the mortgage payment that you are asking for you got your money from the monthly mortgage stop being greedy and taking advantage of me because i'm XXXX. I will not recommend your company to anyone. hope to work this out peacefully. thank-you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: WELLS FARGO & COMPANY
State: RI
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:
Between XX/XX/2017 and XX/XX/2017 I received a lot of hard inquires from auto financing companies that were not authorized by me. I wanted these removed since they have significantly lowered my score and I did not request them but these companies will not remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Exeter Finance Corp.
State: RI
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:
Between XX/XX/2017 and XX/XX/2017 I received a lot of hard inquires from auto financing companies that were not authorized by me. I wanted these removed since they have significantly lowered my score and I did not request them but these companies will not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal has locked my account because they believe it to be a business account. It is not. Attempted to provide verification information they requested. They never took action to unlock account. I just want the account closed permanently. CLOSE PAYPAL ACCOUNT : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30
Company: EQUIFAX, INC.
State: MA
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 is this account on my XXXX credit report that I do not recognize, the account is showing that it was discharged in bankruptcy but the problem is that I never had an account with this company called XXXX XXXX, there is no phone number being reported and it says that the account was opened in 2014. I have disputed this account with XXXX and for some reason they told me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I asked XXXX  for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-07
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:
I have accounts appearing on my credit file that are from my identity theft case and they should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Experian Information Solutions Inc.
State: VA
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:
Collection debt from XX/XX/XXXX in XXXX XXXX, VA for service at a local emergency room on XX/XX/XXXX, reported to Experian with my name and mailing address in the amount of {$260.00}. I tried to dispute online to no avail. I have not been in an emergency room since XX/XX/XXXX. 

When I called the collections people directly, they could not find an account attached to my social security number or birth date. How can this debt be attached to my credit record, when these things can not be verified? They refused to correct their report, unless I had my son call them. 

By the way, my father, my son, my grandson and I all share the same name. I suppose this debt belongs to my son. I am no longer responsible for his medical expenses since he is XXXX years old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2020 Sub : Discrepancy on the refund amount after closing the below mortgage loan. 
Mortgage loan : XXXX Whom it may concern As per the Mortgage statement dated on XXXX XX/XX/2020 the outstanding principal balance for the above mortgage loan is {$410000.00} and the escrow balance is {$3000.00}. The final amount to the close the above mortgage loan on XXXX XX/XX/2020, as the bank stated, was {$420000.00}. That means the bank charged me {$2100.00} for the time period from XXXX XX/XX/2020 to XXXX XX/XX/2020. However, the interest amount for a loan with an outstanding principal balance of XXXX at the rate of 4.25 should be much lower than the charged amount. 
On XXXX XX/XX/2020 a refund check was issued for an amount of {$3200.00}, check number : XXXX, after the above loan was paid in full. However, based on the actual calculation I should have received an additional refund amount of at least {$440.00}. 
I request you to please take a look into this matter. Multiple inquiries were made to the Santander bank on XX/XX/2020 and XX/XX/2020 but no explanation was received. I request you to please take a look in to this matter with the attached documents. 
Thank you XXXX XXXX XXXX XXXX XXXX  XXXX, MD 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 2020-10-15
Company: EQUIFAX, INC.
State: MD
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:
My credit report shows inaccurate information. An account on my credit report has been re-aged ( XXXX   XXXX XXXX ) which is a very serious violation. I have a proof showing that. I have sent a letter to the credit bureaus to notify them but they did not reply to me, it has now been more than thirty ( 30 ) days and the inaccurate information is still on my report. I have the USPS return receipt showing that credit bureaus received my letter almost 2 months ago and they have still not replied to  me. In addition of being re-aged the XXXX  XXXX XXXX account shows a lot of inaccuracies such as incorrect payment history, incorrect high balance, incorrect credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I leased a XXXX XXXX  XXXX and I purchased Preferred Tire Care Coverage from them through XXXX XXXX. 

Preferred Tire Care plus package On XX/XX/18 I traded in my XXXX and I was told I could get a refund on this coverage since I do not have the vehicle and I didnt use the coverage. I called XXXX 5 times and no one gets back to me regarding processing my refund. 

I want my refund for this coverage processed. 

XXXX XXXX needs to refund this.

Company response to consumer: Closed with non-monetary relief