BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-26
Company: PNC Bank N.A.
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
The PNC bank phone rep XXXX XXXX on XX/XX/2021 told me my Forbearance period had ended and I was not entitled to an additional extension period for my XXXX XXXX. 
She insisted I fill out an hardship application and wouldnt listen to my pleading for her to check the XXXX Forbearance XXXX month period allowed for my XXXX XXXX XXXX PNC should be held accountable for giving consumers inaccurate information with covid distressed customers. 
After a weekend of severe stress I called PNC back on Monday the XX/XX/XXXX and requested a supervisor as well as reporting this employees misinformation I was given .. this client service rep on the XXXX XXXX never heard of the CFPB and didnt know the XXXX XXXX month rules of forbearance either!!! 
But she put me on hold and came back with a XXXX day forbearance extension.. Please hold PNC accountable to have educated employees give correct information on the rules on the Forbearance period with XXXX XXXX!!! 
Im an elderly woman who has endured a loss of a career job, a texter hitting me and causing me to have XXXX surgeries and a year of PTherapy ... then my airline closed and loss of my employment.. We are having to sell our home this summer and needed the extension to finish preparing it for sale .. NEITHER PNC employees know the facts! 
Fortunately XXXX did put me on hold for XXXX minutes and checked ... my forbearance was extended XXXX days allowed by law ... but how many others are going to be given the XXXX I was told prior to XXXX? And experience all that stress because of employees lack of education??? Please hold PNC accountable!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Experian Information Solutions Inc.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-12-06
Company: Patient Accounting Service Center
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being billed {$800.00} by XXXX XXXX for a diagnostic XXXX  that my doctor did not order. My doctor ordered a routine XXXX, but they performed a diagnostic XXXX and are billing me for this amount. My doctor has already re-submitted the script to XXXX several times, but XXXX has not submitted the proper claim to my insurance company, which they should because a routine XXXX is covered at 100 %. Therefore this balance is not owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Allied International Credit Corp., (US)
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a notice in the mail on XX/XX/2020 from Allied International Credit Corp stating I owe an amount to XXXX. I reached out to Allied International Credit Corp via phone on XX/XX/2020 at XXXX PST, XXXX PST, and XXXX PST. The phone consistently goes to a hold tone for about 2 mins then to voicemail even though it states I can stay on the line to speak to someone. The issue is, I have no transaction history ever occurring on XXXX. There should be no reason why I am receiving a collections notice from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo home mortgage has forced insurance and escrow multiple times claiming they dont have proof of insurance. Every department Im sent to has a different story. I paid a large sum inXX/XX/2018  to get out of foreclosure and Wells Fargo owes me {$1900.00} for overpayment. They have done the same thing again however acknowledging my insurance but will not adjust my payments and are holding an additional {$2100.00} overage in escrow. They are threatening foreclosure and sent a refund check of over {$800.00} for misappropriated funds.

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 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XX/XX/2020 I applied for a goverment business loan but was denied do to my credit score. soon afterward I pulled my credit report there I notice numerous fraudulent accounts open in my name. I immediately contacted the diffrent crediors as well as my local police department. As of today I haven't had any of those fraudulent accounts, Names nor Address remover from none of the three credit bueraus XXXX, Transunion and 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 2021-02-23
Company: MONEY SOURCE, INC., THE
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was originally funded by XXXX XXXX and was sold to The Money Source last year. Upon receipt of notice, I established an automatic payment to avoid delays or missed payments. Earlier this year, and without notice, the Money Source sold its interest in the mortgage and note to XXXX XXXX. As a result, and again without notice to me, the Money Source terminated the autopayment in XXXX 2021. In reviewing my account the following month (  XX/XX/2021 ), we noticed the outstanding amount and immediately paid. The Money Source has now put an adverse statement on my credit report and is attempting to charge me in excess of {$100.00} in fees. It appears to me that this is a deceptive trade practice aimed at collecting fees in violation of applicable law and community standards. Luckily we were able to catch the problem before additional fees were compounded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
While making a purchase on HomeDepot 's website, homedepot.com, on XX/XX/2020 I was prompted with a promotional offer to sign up for their store credit card and I would receive {$100.00} off my $ XXXX purchase. I signed up for this credit card through the website, was approved, and paid for the purchase totalling {$1300.00} with the store credit card. I did not receive any discount at the time of purchase, and when I called the customer service line I was told it would show up as a billing credit on my next statement. 

Today, XX/XX/2020, when reviewing the billing statement that included this purchase there was no credit applied. I called home depot 's customer care team a second time, and was told that I would need to call the issuing bank in order to have this resolved. I then called the home depot consumer credit card support line ( XXXX ) which is run by Citi Bank, and was told that they were unable to assist me at the current time and I would have to call back in several hours to see if they could submit a case to their back-office. 

The run-around I am being given to receive the promotional credit I was promised is unacceptable, and is clearly designed to ensure people do not actually receive the credit they are owed.

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 2022-11-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX Experian XXXX XXXX has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXX. I believe it was reported in error. 
XXXX XXXX  XXXX Balance : {$18000.00} ; XXXX XXXX  XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2020-07-05
Company: Coinbase, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase Issue Sun XX/XX/XXXX XXXX XXXX  This is just a small sample ( 3 emails below ) of the repeating cycle of emails I have had with Coinbase Support. There has never been an actual human response. All are copy and paste answers. I have tried all suggestions from their emails repeatedly without success. I am unable to login regardless of how many times I reset password or enter 2 step verification. I am trying to gain access to my account to determine if I have been hacked. 


1. Sun XX/XX/XXXX XXXX XXXX  To : XXXX I have not signed in quite time. At least 2 to 3 months. 
I believe I was hacked by someone representing XXXX that gained access to my phone this evening and were attempting to change my password. 
This occurred today Sunday XX/XX/XXXX after calling XXXX and speaking with " XXXX XXXX ''. 
He gave me a case ID # XXXX. 
When I looked up the phone # it lists a company called " XXXX ''. 


2. Sun XX/XX/XXXX XXXX XXXX  To : Coinbase Support I had my account locked due to suspicious activity sometime ago and I am unable to re-access my account. Resetting password and 2step verification codes do not work. 




3. Sun XX/XX/XXXX XXXX XXXX. 
To : Coinbase Support Please let me know what additional information you need. I have tried everything you have suggested and I still can't login. 



From : Coinbase Support XXXX Sent : Sunday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX Subject : Case # XXXX - Access to disabled account Hello, We need additional information from you before we can resolve this case. 

If you still require support with this inquiry, please reply to our original email with the needed information. 

If you are unable to locate our emails in our inbox, please check your spam and trash folders as some email providers automatically filter our automated messages as spam. 

If you no longer require support, please let us know and we'll close the case. We'll send a follow-up email every five days to check if you still need support with this inquiry. 

Thanks, Coinbase Support

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Reporting Act Reporting, XXXX XXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States right of privacy belongs to me, so I have the right of privacy. Also in section 15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

I have not given my written instructions to furnish this account so please remove this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: STATE FARM BANK, FSB
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
VERY BAD PEOPLE 'S PHONE XXXX CALLED XXXX/XXXX/XXXX TOOK {$850.00} FROM STATE FARM CREDIT CARD 1 THEY SAID ( XXXX ) THEY WERE GOING OUT OF BUSINESS WANTED TO REFUND TO ME MY MONEY {$400.00} 2 TOOK OVER MY COMPUTER TO GIVE FINAL CLEANING 3 NEXT WANTED CREDIT CARD INFO TO CREDIT ACCOUNT {$400.00} 4 THEY SAID CARD WOULD NOT TAKE HAD TO GO TO BANK ACCOUNT TO RETURN {$400.00}. 
5 WHILE WE WERE DOING THAT THE TOOK {$850.00} FROM MY STATE FARM ACCOUNT 6 IN THE MEANTIME THE SHOWED ME THAT THEY PUT INTO MY ACCOUNT ( BANK ACCOUNT {$600.00} ) THEN THEY TOLD ME TO GIVE THEM BACK {$500.00} SO THAT I COULD GET BACK MY {$400.00} I SAID NO JUST PUT EVERYTHING BACK AS IT WAS HE THEN TOOK ALL OF MY MONEY FROM ALL OF MY BANK ACCOUNTS AND THAT IF I WANTED IT BACK TO GO TO XXXX XXXX AND BUY {$400.00} WORTH OF GIFT CARDS I SAID NO HE THEN SAID I WAS A MOTHER XXXX AND THAT HE WAS KEEPING MY MONIES AND HE WAS TO FREEZE MY COMPUTER. I SAID DO WHAT YOU HAVE TO DO I HUNG UP AND UNPLUGGED MY COMPUTER. 

8 I CALLED STATE FARM CANCELLED MY CREDIT CARD 9 I FIGURED OUT THAT THE MONIES WENT THROUGH XXXX XXXX I THE CALLED XXXX XXXX THEY COULD NOT STOP THE TRANS ACTION BUT THEY GAVE ME A REFERENCE NUMBER ( CASE NO ) XXXX TO GIVE TO THE STATE POLICE AND STATE FARM. I DID SO. 

10 WHEN THE MONIES POSTED I CALLED STATE FARM TO MAKE A DISPUTE XXXX/XXXX/XXXX XXXX XXXX NUMBER IS XXXX # XXXX THERE TRANS ACTION NUMBER

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused 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 2021-10-04
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a mortgage in the name of XXXX XXXX XXXX held by XXXX XXXX. This mortgage is the responsibility of my ex-wife to pay as part of our divorce. About a year ago this appeared on my credit reports. I had no idea what it was at the time, and reached out to the company. This is a 50 year mortgage, and yes, you are reading that right, a 50 year mortgage on my former home in Virginia. 
My ex-wife has been frequently delinquent in making the payments. In all these years, I have never seen or heard of this. It has never before appeared on ANY of my credit reports before last year. 
First, to clarify, my legal name is XXXX XXXX XXXX, not XXXX. As these credit reporting agencies can confirm, I have never been late or defaulted on any of my payments to anyone. There were a few negative entries on my report, which I satisfied in 2015 or there about. Since then, my credit has been spotless in regards to meeting my obligations. I do have a sizable credit card debt, which I have been paying down, and again, have never missed a payment, not on a card, my home or my car loan. Never. 
I have tried to get clarification on this 50 year mortgage from XXXX, which apparently took over this mortgage from their acquisition of XXXX XXXX. I always received the same reply. That they were looking into it. Besides the fact that this could be construed as a predatory lending practice, that is another issue, but tied to this, as they reported this mortgage to the major credit agencies attached to my reports. 
Just to explain why it has taken me so long to do anything about this, I have no desire to cause injury to my ex-wife, or my daughter, who also lives in the home. Basically, in regards to this mortgage, I am in kind of a hostage situation, as I know nothing about this mortgage, nor any other detail other than the length. No origination date, interest rate, nothing. 
To come to the point, I want all references to ANY reports with the name XXXX XXXX removed from my credit. This is not my legal name, nor are there any obligations that I have in the name XXXX. I go by XXXX on some ( if you went through life with the name XXXX XXXX, you would appreciate why. ) but mostly XXXX, my legal name. I have tried to work with the big three reporting agencies, but to no avail. 
This reference to XXXX XXXX has totally trashed my FICO score unjustly. They can go back and see that this XXXX reference NEVER appeared on my credit report prior to last year. 
All I am asking for is anything in the name of XXXX or XXXX XXXX XXXX be removed, and my credit score revaluated based on my true and current credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TCF NATIONAL BANK
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from a company phone number XXXX saying they are a lawyer and I know I had a debt with the TCF  Bank back 2007 I think plus it is not on my credit report so I was willing to pay half the debt and get it over with they wanted me to give them my debit card I asked could they mail me out something about this cause I had a friend that someone did the same to her and it was fraud they had my name, social security number, my old address I asked could they mail me out something with the office name but they said it could take up to 7-14business days I asked about email still no respond I gave them my email address XXXX I called back they wouldn't tell me the law office name or who was handling the case can someone please help me if it's true I will pay have of the bill like they suggest just don't want to be scam

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Allied Collection Services Inc in XXXX XXXX NV, are not following any laws to obtain a debt owed. And are not applying the payments stating I owe more than I do on 2nd garnishment. They are also garnishing my checks that are exempt. They are below the legal disposable income that can be garnished by law. And they do not notify you to go to court both times I was never notified until a few weeks after garnishment was already taken place by my employer. And the interest is not correct. They are over charging me by hundreds of dollars in interest that they are not supposed to able to add by law. And the difference in the payments they say I paid {$1300.00} versus what I actually paid was {$1700.00} And they obtained a second garnishment that states the balance owed which did not have the payments deducted and they did not report them in court when applying for 2nd judgement.

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 2017-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital one credit card account, they put a six working day hold on a electronic bank transfer payment, is this legal, money cleared my bank day after payment. They refuse to credit my card!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Good afternoon I'm reaching out because you have Send me a notification via email confirming that XXXX XXXX XXXX account was deleted from my credit report however upon opening my credit score I can clearly see that it's still visible and available on my credit report. Again you have no evidence at all or any proof that this account belongs to me however I have a document attached with over 20 pages With evidence confirm that this is not my account again go over my documentation step-by-step and don't you dare to tell me again that I have not provided you enough information and that you somehow are able to verify this account and yet don't provide me with physical proof as you are obligated by federal law.

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