BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-02
Company: Mercedes Benz Financial Services
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have a couple of items on my credit report that need to be looked, there are four to five car companies. That are a hard inquiries on my report and I do not even have a vehicle, my bank account needs to be looked at as well. Over the last couple of months I have moved to several locations and my social security needs to be monitored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 want XXXX XXXX to report a positive a positive payment on my account. XXXX XXXX is part of a class action settlement due to issuing XXXX insurance. As part of the settlement I am suppose to receive a 30 day delinquency removal from my account. I am working hard to be on time on my payments and to be current.

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 2018-09-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Our complaint relates to predatory lending practices of Home Depot Credit Services, which we understand is administrated by Citibank. We had a Home Depot Credit card ( " Card 1 '' ) which had been paid on time and paid in full. In XX/XX/2018, we purchased paint at the XXXX Home Depot store and were pressured into opening a second Home Depot Credit card ( " Card 2 '' ). At that time, we were told that there was a substantial discount if a second card was opened and, accordingly, we should not use Card 1.

We acknowledge that we paid Card 2 late. However, the XX/XX/2018 statement for Card 2 shows that the balance was paid in full. Because of the late payment we were charged {$16.00} in late fees which were due on XX/XX/2018. 

We use online payment to pay amounts on Card 1. This method provides for the entry of account numbers. Inadvertently, we failed to realize that we need to open a second payee account for online payments due on Card 2. We paid the {$16.00} under the account number for Card 1. Home Depot Credit reports that they processed the payment on XX/XX/2018. 

In XX/XX/2018, we received a second statement on Card 2 which included {$16.00} balance plus an additional {$16.00} in late fees plus {$2.00} in interest. The total balance of {$34.00} was due on XX/XX/2018. We also received an XX/XX/2018 statement on Card 1 showing a credit balance of {$16.00}. We were abroad and then out-of-state when the XX/XX/2018 statement were received. On or about XX/XX/2018 we telephoned Home Depot Credit to discuss the misapplication of the XX/XX/2018 payment. After researching the matter, Home Depot Credit applied the payment to Card 2.  On its XX/XX/2018 statement, Home Depot Credit reported a XX/XX/2018 " Misapplied Pmt SM Prin '' on Card 2. However, we were charged an additional {$34.00} of late fees and {$2.00} of interest. 

On XX/XX/2018 we called Home Depot Credit to resolve the balance of the XX/XX/2018 statement. At that time we were referred to XXXX in the credit adjustment department. After much discussion, we were told that the Citibank 's policies allowed for only one late payment per each account regardless if there was a misapplication of payments between two Home Depot Credit accounts. We were then told to pay an additional {$16.00} in late fees and that the XX/XX/2018 charges of {$38.00} would be waved. We paid the {$16.00} amount and closed Card 2.

Although small in amount, the business practices employed by Home Depot Credit and its agent Citibank are, in our opinion, a clear indication of predatory lending actively which should be stopped by the CFPB to protect other consumers. Moreover, Home Depot should be prohibited from pressuring consumers to open second accounts because the represent a clear conduit to orchestrate predatory lending practice.

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 2018-09-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The way Navient has there student loan forgiveness plan set up, is to where if I make on time payments for 20 years with whatever amount Im approved for- the rest of my loans willl be forgiven. I applied for their student loan forgiveness plan and got approved for {$0.00} a month for 12 months. I took a few credit hours with my University and Navient let me know that I was back in deferment, even though I already had {$0.00} dollar payments. The way they brought this to my attention made it seem mandatory as if I HAD to have the deferment. I was never made aware or told that I could take this off and stick with my {$0.00} payment that was going towards my 20 year plan. My {$0.00} payment plan only lasted about 3 months I was told. If I wouldve been made aware or given the option to remove the deferment I wouldve been left with 19 years. I have already spoken with a Supervisor from Navient, but I received no help on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: FULTON FINANCIAL CORPORATION
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:
I may have done this before. My bank XXXX XXXX has been charging me overdraft fees that cost my account to close. Those over charges were so high that I couldn't pay them. When my SSI checks would come in, XXXX XXXX   would take out their money and leave me with no money at all. XX/XX/2018 is when some of these charges have happened not including other times that I do not have dates for but it's been an ongoing problem with this bank. I have closed out the account as of Friday XX/XX/2018 or possibly before that date. They have sent me a letter certified on XX/XX/2018 claiming the account was closed, and also emailed me not to contact them as I have been doing every day they do not send me my money back. They can contact me but they refuse to send me my refund. They were taking my SSI and using it to make me pay them and I think this is unfair. Now I have 2 bills that must be paid and I can not do it because they will not refund the money on a timely basis. I have charged them a fee of {$50.00} per day ( because they charged me on a daily basis ) and I want it now, that is today. Again they can send me letter but not the money they owe me.

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 2018-09-19
Company: Continental Finance Company, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As I was reviewing my credit file to determine the status as well as cause for the status, I noticed several companies that I have no recollection of having any business nor having had/sign any contracts with one being XXXX XXXX ( Also known as/part of Continental Finance ). Yes indeed Ive attempted to rectify the issue on my own by initially disputing and requesting validation via the 3 major credit reporting agencies directly on XX/XX/2018 ... the responses I received were verified It appears that these agencies aren't doing any type of validation but asking these creditors is what they've posted accurate and no one doing any real investigation. I then decided to contact them ( XXXX XXXX/Continental Finance ) directly on XX/XX/2018 ( letter of dispute requesting validation along with fax confirmation attached ) and to date, I've received no response at all. I attempted calling ( XXXX ) today for another fax # or to confirm that which I have and the young lady ( XXXX ) advised me there wasn't one she could give me. The fax number ( Fax : XXXX ) is indeed associated with their company. I have learned in my investigation they have several different cards/multiple company names and have had some legal issues as well having to refund customers an approximate $ XXXX ( XXXX XXXX   XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Ive sent several letters to the bureaus and have no XXXX anything back. My first letter dates back to XX/XX/2021. There are inaccuracies in my report that they have failed to investigate in the appropriate time period.

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 2018-02-11
Company: EQUIFAX, INC.
State: UT
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:
From the month of XX/XX/XXXX to XX/XX/XXXX, I was living in XXXX XXXX Texas for work questions. The company XXXX offered me an internet service without any contract, I paid in advance to consume one month. 
At no time, I signed any contract, never assumed any commitment to pay, and at no time the company XXXX contacted me to negotiate any debt I returned to Utah on XX/XX/XXXX, after spending a month I received a credit alert in my XXXX  account of which I am a member. When I review the company XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX, I was taken to collection at the request of the company XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. 
File a Dispute in XXXX  XXXX and on XX/XX/XXXX received the response from XXXX XXXX 's report. 
The answer design ; " The Element was removed from your Credit report At this time the XXXX company took me back to collection using another company The company XXXX acts outside the law and does not respect the rights of consumers. 
The company XXXX uses the collection companies and the credit bureaus to violate the rights of consumers and affect their credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Security Credit Services, LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reached out to the original creditor informing them about the fraud that occurred on this account by phone and through a cfpb complaint. I did not receive a notice to dispute or debt validation. The company is also trying to reage the debt which is illegal. I have disputed this with XXXX and also with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019, I had a scheduled appointment for an appraiser to come to my home and do an appraisal. This appraiser was sent by my mortgage company which is Bank of America. The reason for this appraisal was because my husband and I wanted to refinance our mortgage due to lower rates. The appointment was set up a week ahead of time. On XX/XX/2019 an appraiser from XXXX XXXX, XXXX showed up to my house around XXXX XXXX. He proceeded to call me because no one answered the door. I answered his call and explained to him that our appointment was scheduled for XXXX XXXX. He confirmed that he knew the appointment time but was early. I asked him to please wait a few minutes as my husband would be home soon and they could start the appointment early. He became very disgruntled and then he proceeded to hang up the phone on me. Once my husband arrived and let him in, he ran around our house snapping pictures and left within 10 minutes. I immediately called my loan officer at Bank of America to issue a complaint about the appraiser. I feel as though my concerns were brushed off and I was told to wait for the official appraisal in the mail. Once the appraisal came in, I noticed the estimated value of our home seemed way off. Homes in my neighborhood are selling for {$400000.00} or more and my home was valued at {$350000.00}. The said houses in my neighborhood are the exact same model home as my own. I have also added an {$11000.00} screened porch on and a {$5000.00} fence since closing. I called my loan officer and explained that I wanted to appeal this appraisal. After a week, my loan officer came back with a form I needed to fill out to appeal and told me to list my own comparables within our neighborhood. I supplied my loan officer with 15 comparables and their MLS numbers. I heard nothing for two weeks and finally called my loan officer and was told that they decided not to accept my appeal. I then asked who I could contact so I could get some answers to their reasoning for not accepting my appeal. I eventually had to reach out to my loan officers manager and have left two voicemails with him and sent him an email but now they are both unresponsive. I feel like I am not getting treated fairly. I am worried that Bank of America has chosen to brush my husband and I off due to the fact that he is not a citizen ( although he is a permanent resident ). I feel mistreated and I am at a standstill and can not get any answers from Bank of America. They have taken my money for the appraisal ( {$560.00} ) and yet still are not responding to me. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-02
Company: Experian Information Solutions Inc.
State: NY
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 a major credit card with XXXX Mastercard. Recently XX/XX/2021 I entered into an agreement with them for 6 months with this card. The agreement is to pay {$50.00} per month at an interest rate of 5.9 % for the 6 months. I was told on XX/XX/2021 that I need to make the first inital payment of {$50.00} which I did with the rep. Going forward I also agreed to have the payments come out of my account each month. I confirmed that the account would be considered in good standing and current. I was assured " yes ''. On XX/XX/2021 I received a text that the account is past due. I immediately called XXXX mastercard and was told that I need to make another {$20.00} payment. I made the {$20.00} payment. I asked why is the account reporting now as late when I was assured after I made the {$50.00} payment the account would be considered current. I would have paid the {$70.00} if that is what they were requiring to go into this program on that day instead of the account showing as late. I am upset at the fact that I might be charged a late fee and in addition that it's going to be reported to the credit reporting agency 's again. I have been disputing with them about 2 negative remarks that are already reporting when in fact I went through this with them back in XXXX when the pandemic hit.

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 2019-11-15
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Today is XX/XX/XXXX. It has been a week since PNC Bank promised that a modification decision would be made. 
I am 48 business hours from the sale of my house on XX/XX/XXXX. This is the second time I have experienced going to the midnight hour with PNC. 

This is the same nightmare scenario that led to a currently pending Class Action federal case against XXXX XXXX XXXX ( dated as ofXX/XX/XXXX ) by he CFPB. 
PNC 's and XXXX XXXX policy handbook seems devoid in their understanding of the definition " Escalation of Sale Date ''. The Escalation with the Loss Mitigation department is apparently an empty title that is for appearances only and has no active proactive procedures to adequately resolve the complaint. PNC like XXXX  has also failed to place the sale on hold. This kind of treatment is belligerent. This is the 21st century and regulatory practices demand full Transparency on best practices. This is a regulatory violation. 

Finally, am I the only customer that has voiced these PNC systemic violations? Or are there any other voices out there to say that " PNC failed miserably to adequately resolve Foreclose Sale complaints after the customer had provided all requested documentation ''? 

Without the strong arms of CFPB, FTC, and other State agency being vigilant, the playing field would be characterized as being unfair and stacked against the consumer in their dealing with big financial corporations like XXXX  and PNC. It would be unjust for XXXX  and XXXX XXXX ( now XXXX  XXXX XXXX ) to have been penalized back then for their unfair practices. Only to let XXXX and PNC 's reckless and repeated bad behavior goes unpunished. As they have systematically and continuously violated best practices regulations regarding Foreclosure Sale complaints. These regulatory rules are designed to be fair for both companies and consumers. 

Any assistance would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these files : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Advance America, Cash Advance Centers, Inc.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
i got a phone call from advance america saying that owe them money but i dont have a recepit for it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After losing my husband, my income took a significant nose dive, at which time I began getting behind on my payments. I applied for a Modification but it was denied on XX/XX/XXXX. I contacted XXXX XXXX XXXX XXXX  ( HUD ) to assist me. On XX/XX/XXXX, I received a call from someone identifying themselves as the legal department of my mortgage holder, advising me that my Modification had been granted and would decrease my monthly mortgage from {$2500.00} to {$1600.00}. I was estatic, Screaming, jumping around, and thanking him all at the same time. I was asked to pay {$1800.00} immediately, which would allow him time to do all the paperwork, in the meantime I was advised that my new payment of {$1600.00} would start on XX/XX/XXXX. In addition I was told not to call my mortgage holder, because he would be serving my accountt from now on. I was then asked when would I be paying the {$1800.00}, I responded I could pay {$1200.00} now and the balance on XX/XX/XXXX. I told him that he had my banking information already. He replied I dont have it I thought perhaps I needed to slow down. I called XXXX and told her the story as it was told to me. She asked if it was ok if we could do a conference call so that she could ask questions. So, called the legal department, and She asked the questions, and when we hung up from him, she said SCAM I then called my mortgage holder, who also said SCAM To be honest about it, Im so angry with them because I would have easily payed the {$1800.00}, Which would have made me lose everything. Ive kept all their voicemails. Unfortunately when youre desperate, its quite easy to try and grab a life jacket. 

Im a XXXX senior, and these guys are preying on people that are already stressed out. My mortgage holder, didnt do anything even knowing that these crooks were using their name. When I receive a call from the legal department, my mortgage holders name appears on my ID. 

Its difficult for me to turn and walk away because I know someone will lose their home in this manner. I have advised the legal department that Im interested in the modification, so their pushing forward because they smell my money. I just dont know, how to push forward and get this information to the right person or agency that could catch these CROOKS. Hopefully, you can point me in the right direction. XXXX gave me you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation