BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-10
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My son, XXXX XXXX, the borrower ( I am the co-borrower ) signed up for hardship program in which he set up 3 autodrafts with a lower payment amount. After he advised me he did this, I called XXXX XXXX directly to ensure negative reporting would not occur. XXXX XXXX advised me they would not report ; The three payments were for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. When I reviewed the loan shortly after the XX/XX/XXXX payment was to be drafted and saw that it was not credited it to the loans I advised my son. This occurred approximately at the end of the 2nd week in XXXX. XXXX called XXXX XXXX to find out what happened - we learned XXXX XXXX had the incorrect checking account number for the draft. XXXX, who is a supervisor indicated he listened to the actual phone call and did admit XXXX XXXX made the mistake. XXXX relayed to me that XXXX went ahead and cancelled the existing set up drafts, rescheduled for XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX with the correct account number. Meanwhile XXXX XXXX now reported the loan 60 days delinquent ( causing my credit score to drop by 81 points ). It was their error for incorrectly entering the checking account number. 1 ) The delinquency should not have been reported which they refuse to correct 2 ) Even if they do report at 60 days, again the loan would not have been 60 days delinquent had they entered the information correctly the first time in XX/XX/XXXX. XXXX XXXX is advising they will not correct until all three payments have been made which is not until the end of XX/XX/XXXX. 
I would like an immediate retraction of the negative reporting as their error has caused my score to drop -- at a time when I need to shop for a vehicle for my daughter. 

XXXX XXXX as a whole is a company that does not care about the individual only their bottom line. They are in the business of ruining students not helping them. Not only do they not care about the individuals who take the loans out but they are predatory and have no morals.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filed a complaint through the CFPB with Chase bank on XX/XX/2020 ( Complaint ID XXXX ) regarding my chapter XXXX bankruptcy discharge of the second mortgage not being dropped appropriately according to the language in the Deed of Release. The Deed states This Release is solely for the purpose of releasing the real property described above from the lien created by the Deed of Trust and is not a release of the obligation under the Note as said obligation has not been fully paid. This issue was found out by an underwriter when I was completing the process of a Home Equity Line of Credit to pay off my vehicle. The terms were {$55000.00} for 120 months ( 10 years ) at a 6.49 % fixed rate with a new monthly payment of {$630.00} but now I have been denied and missed that opportunity due to Chases Deed of Release language errors. In addition, I was also in a refinance process with my mortgage loan of {$230000.00} at a 3.875 % fixed rate 30 year mortgage with a monthly payment of {$1300.00} which expired on XX/XX/2020 due to Chases issues I could not complete the process. Attached are the documents stating the proof of these two transactions. I want Chase to take it upon themselves to accommodate me with the above mentioned Home Equity Line of Credit and Refinance terms of my mortgage that I have since LOST due to Chases mishaps. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX, at my local bank branch, I opened a new credit card account with -XXXX- balance transfer and no transfer fee features for the purpose of paying off ( at another institution ) a {$28000.00} -XXXX- balance transfer account expiring XXXX. I arranged for a credit limit that would permit that transaction. I subsequently received a " Cardmember Agreement '' and " Cardmember Agreement Rates and Fees Table '' in the mail. The latter stated " Balance Transfers : 0 % Intro fee on transfers made within 60 days of account opening. After that : Either {$5.00} or 5 % of the amount of each transfer, whichever is greater. '' on XX/XX/XXXX, I called the bank 's XXXX # and requested the transfer, only to be told that the bank 's policy permitted only {$15000.00} to be transferred at that time and that I would have to wait until my next cycle closed ( estimated at XXXX ) to transfer more. 

THIS WAS THE FIRST MENTION OF ANY DOLLAR OR TIME LIMIT ON TRANSFER AMOUNTS IN THE BANK 'S PRINTED MATERIALS OR IN ANY CONVERSATION WITH BANK PERSONNEL. 

DELAYING THE SECOND TRANSFER FROM XX/XX/XXXX TO XXXX IS COSTING ME 18.99 % INTEREST AT THE RECEIVING BANK AND WILL TRIGGER A 5 % TRANSFER FEE ( {$670.00}. ) FROM THIS BANK BECAUSE IT WILL BE BEYOND THE 60 DAY -XXXX- FEE PERIOD. 

I appealed this situation with three phone " supervisors '' and was finally given a fax/mail ( no phone! ) contact at a so-called " Executive Office ''. I sent a comprehensive letter there requesting a waiver of the time limit based on the bank 's communication failures. 10 days later I received a phone message from some analyst saying the bank could/would not change its POLICIES to correct this situation ; it did not address the facts/circumstances of the matter as described in bold above. I called the number left in the message to discuss the unfairness ( illegality? ) of their policy and their response, but have had no response. I tried to escalate my case to higher management, but no address or phone number is available on their website and the local bank branch informed me that it was company policy not to disclose that information ( to a long time customer! )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2020-05-16
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 information incorrect

Complaint:
I reviewed my credit report and Ive found a few errors, invalid and inaccurate accounts reporting on 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
Consumer complaint received 2020-05-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I froze my credit report with Equifax after their data breach and Im now trying to unfreeze it. When I tried repeatedly to do this on their website I was informed that I had to do this by phone. When I called they told me they could not verify my identity after giving them all of my information ( ss # etc. ). I was then told that I was required to send them copies of my social security card and drivers license through the mail which I refused to do because of the obvious security reasons. I was then basically told to bad you wont be able to ever unfreeze your account. Equifax caused this problem in the first place and now they refuse to fix it. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is an ongoing problem since XXXX when my checking account with PNC was unexpectedly closed after complaining about a dispute filed with them about a prior complaint here about XXXX. Instead of investigating, after initially working with customer service for over an hour, the escalation team took the shortcut approach for employees at XXXX who committed numerous overcharges and refunded one entire charge which of course meant more accumulated disputes. That misconduct then triggered a closure of all accounts, giving me the boot though no answer to my question was ever given. That notice was not received until the card could not be used, the letters came post-closure. A complaint filed about the treatment was met with retaliation from the Executive Client Relations Group starting with my check not being released when they said despite multiple requests until posted on social media, 5 days later, the money I transferred to a new bank account ( XXXX ) was taken OUT by a team member at PNC through my linked account and cleared payments like the rent was reversed. I then realized it was likely racially motivated once I remembered my avatar was an actual photo and removed it at that time of course, too late. 

They knew I was 100 % SSDI with proof sent but it did not matter. The check received was over XXXX 's limit and PNC refused to split it with lies and false info like calling it 'layering " until a demand letter was mailed with the check back to the head of retail ( XXXX ) and HR ( Henn ) This is 4 months later and PNC was told I had to borrow from a 3rd party who someone called XXXX XXXX XXXX the layering liar, even spoke to, offering tracking numbers as well so thinking the nightmare was over, got us two checks but they tolo were rejected by XXXX XXXX I saw then the routing numbers and check looked funny and googled it. It was a routing number for a wire transfer then verified by branches surprised to see it was for a deposit. When I called her it was more lies ; they have different accounts and different checks though all prior checks received, none looked as paper think or greyscale but with an orange logo and identical numbers. Only this split check was different. She also had no answer for why you need a paper check for a wire. I decided it was best to cut all communication, send those checks back as well, and to my horror, discovered my XXXX account was restricted, now almost a week. So, frustrated that someone who lent money can not get it back, the last straw is an official complaint. A direct wire request was refused though a deposit slip had a wire routing. PNC can't demonstrate more intent than that one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Experian Information Solutions 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 reported and disputed this erroneous and predatory loan to all credit reporting agencies, every agency EXCEPT Experian complied. 
The retention- non deletion of this listing RAC  has continued to damage me and my only other recourse is a lawsuit. 
I would like this matter to be settled now but have no issue with taking it to court under XXXX statutes. 
I am asking that you intervene now as my last avenue prior to a lawsuit.

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 2020-01-24
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
At the end of XX/XX/XXXX, I opened a PNC Virtual Wallet with Performance Select account online so I could obtain the {$300.00} bonus PNC offered. To receive the bonus, PNC required that the account receive {$5000.00} in direct deposits within 60 days of account opening. Once the direct deposit requirement was met, PNC would deposit the bonus in the account within 60 to 90 days. 

My account received more than {$5000.00} in direct deposits within 60 days of account opening. It received {$3700.00} on XX/XX/XXXX and {$3800.00} on XX/XX/XXXX. However, my account did not receive the bonus within 90 days of meeting the requirement. 

On XX/XX/XXXX, I inquired through the help function of the PNC mobile application about why I hadnt received it. I chatted with the representative XXXX. He stated that the promotion was not applied to the account, so I must not have used the correct link to open the account. However, he could not tell me what link I had used. 

I find it unfair and deceptive, akin to a bait-and-switch, that I opened my account online ( using the requisite Apply Now button at XXXX XXXX XXXX ), but now PNC refuses to follow through on giving me the bonus even though I met their requirements. The best answer they can provide is that I must not have used the right link because the promotion wasnt applied. That is circular thinking and an invalid argument. Clearly PNCs inability to explain why I didnt receive the bonus ( beyond their circular thinking ) benefits PNCs bottom line because they do not have to honor the disclosure. I have no doubt that there are others in my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a credit card which was closed because of the coronavirus, unemployed, and the limit of the credit card exceeded amount of {$400.00}. My limit was {$2500.00} so the credit card company closed the card and offered me a settlement plan for the amount. There was 3 kinds of plans they offered me, but i prefer the plan of paying {$1600.00} in 3 different months of which monthly would $ XXXX monthly. I started paying on XX/XX/XXXX for the first payment. The second payment i payed on the XX/XX/XXXX because the bank was closed on the XXXX ( it was Sunday ). The third payment is the last of the {$1600.00} i was to pay on the XX/XX/XXXX but unfortunately i went to the bank to pay and the bank was closed because it was the XXXX XXXX XXXX holiday. So i called the bank someone told me the department of settlement didn't work on that day because of the holiday. The lady i was talking to gave me the number of the collection team and there was no reply from them. I called on the XXXX they answered the phone and when i submitted my information and was ready to pay so that i can be free from Wells Fargo they say " payment denied '' i asked them why they said " you failed to pay on the XXXX '' then i told them " i never failed to pay, you failed to collect '' now they transfered me to the head office and nothing was done for me. They said all the money i payed previously has no value anymore and that i have to start a fresh settlement of {$1700.00}. So those people were very unfair i got a Wells Fargo case number. My case number is XXXX. Nothing was done for me and the last word from the big boss was " nothing can be done for you ''. So I'm crying to the government to help me through this unfair situation because they told me to pay {$1700.00} extra and i don't have the money for that. I hope you can help me through this situation. Thank you very much. 
-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 non-monetary relief
Consumer complaint received 2017-09-15
Company: Integrity Solution Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Integrity solution service 's license to collect a debt expired in XXXX and they have been reporting on my credit report inaccurately since XX/XX/XXXX of last year on my XXXX report

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 2021-01-22
Company: WELLS FARGO & COMPANY
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Wells Frago has already discharged this debt 3 years ago. My attorney disputed this with wells Frago an attachment is attached to this email. I located this dispute deleted information from XXXX. 

This is Extremely unfair and disturbing that I could dispute a debt and it continues to cause damaging to my credit report for years after many years Ive disputed. Wells Fargo again has no right to assign so many accounts that a customer can not even determine monies that she or heTrusted in a bank with financial importances. Again please have Wells Fargo to review the deleted information and investigation and to remove this debt off on my credit report that is extremely damaging.

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 2021-01-29
Company: EQUIFAX, 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:
I'M HAVING A HARD TIME GETTING MY DISPUTES PROCESSED WITH THE CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
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:
I'M HAVING A HARD TIME GETTING MY DISPUTES PROCESSED WITH THE CREDIT BUREAUS.

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 2018-02-08
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX claimed I owe XXXX. They could not provide me with “validation”; that is competent evidence bearing my signature, showing that I have (or ever had) some contractual obligation to pay them. I have not heard from the company saying that I owe them. Also when I called I got no response. A certified letter was sent and I received nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: PENTAGON FEDERAL CREDIT UNION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Without and prior notice my mortgage payment went from {$770.00} inXX/XX/2018 to {$780.00} in XX/XX/2018. I called Pen Fed Mortgage Company this morning and was told that the payment had been increased by a decision made by the company in XX/XX/2018. I was told that the escrow payments were increased and that the new amount was due to tax and insurance increases. I asked the lady whether the company bothered to send a notice of increase and she said that there was no notice sent on record. I am totally bothered by the fact that this company can just raise the amount collected from direct deposit without notifying me of any increases.

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 2020-01-24
Company: BANCO POPULAR DE PUERTO RICO
State: NY
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:
On XX/XX/XXXX and XX/XX/XXXX, there were inquiries done by XXXX XXXX XXXX , XXXX using my information, for a car loan. I did not authorize these inquiries and don't even live where these inquiries were made ( I live in New York, inquiries were made in Puerto Rico ). 

XX/XX/XXXX, there was an inquiry done by Popular Auto in XXXX XXXX, Puerto Rico, using my information, for a car loan. I did not authorize this inquiry and don't even live where this inquiry was made ( I live in New York, inquiry was made in Puerto Rico ). 

I have communicated with both entities and they have suggested that I file a complain with the CFPB. They say the inquiries do not appear in their records, but it does appear in my credit history.

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 2018-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Capital one is blocking me from being able to continue being attached to XXXX. XXXX is an app that does " round up your change '' functions and daily transfers from your main bank to a online savings account so that i do not spend the money. 
It was working wonderfully for weeks and now its unable to connect. I have contacted both XXXX  and capital one 360 and the situation still hasn't been fixed. As per XXXX, capital one is the reason I can not connect.

Company response to consumer: Closed with explanation