BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-07
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was transferred from XXXX XXXX  to PNC mortgage as of XX/XX/2020. Prior to the transfer of my loan XXXX reviewed my escrow account and confirmed there was a shortage which caused my mortgage payment to increase. It was confirmed my homeowner 's insurance premium had significantly increased but Prior to the transfer of my mortgage I had my home owners insurance reevaluated and the premium significantly decreased as well. I reached out to PNC mortgage on XX/XX/2020 and was advised my escrow account would be reanalyzed and I would receive a new coupon book in the mail or I was able to go online and see my review and new mortgage payment amount. A week went by and I enrolled online and confirmed my payment still reflected the same amount. I made contact again with PNC mortgage and was advised no request had been completed and was also advised they didn't have access to my escrow analysis review previously done with XXXX XXXX  and they needed this information in order to reanalyze my escrow account. I sent my homeowner 's insurance declaration page and the information on property taxes in order to have my escrow account reanalyzed. I was advised the requested documents would take a couple of days to view and the information to be updated. I called again and was advised the request for reanalyzing the account was never submitted again. The request was submitted. After another attempt I was advised I would have s supervisor call me with the updated information on my new mortgage payment and would be able to make my XXXX payment at that time. I received a call from a manager and was then advised they were not able process my request and would follow back up with me XX/XX/2020 I went ahead and made my XXXX payment at the higher amount to get it taken care of. I never heard back from the manager who confirmed she would be the one working on the matter and she would take care of it. I called PNC  mortgage XX/XX/2020 and requested to speak to a manager and my request was denied. I was then told my request would be escalated when told I would reach out to the XXXX XXXX XXXX, the representative stated a manager would reach out to me within 24 hrs I have not been contacted by anyone at PNC mortgage as of today XX/XX/2020. Also as of today my escrow account has not been reanalyzed and my payment remains the same. I feel like PNC mortgage has taken advantage of ever aspect possible in this matter from being promised certain things and not following through with them. The lack of knowledge of Representatives I had to speak to is an understatement. Each and every time I called I was told something different and I always did and sent everything I was being asked for.or provided everything I was asked to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My complaint is to follow up on my previous complaint. Lobel send me a letter trying to justify their actions. They also sent a vehicle history report that says the vehicle in question has no accidents. When in fact it has 4 accidents that were not disclosed at the time of purchase. I have sent them my demands.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: ALLY FINANCIAL INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My bank, Ally Bank is refusing to respond my many emails, Phone calls and chats about a check for {$86.00} I requested to be issued from my investment account. They jydo not answer me and refuse to mail me my money which they already deducted from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I applied for a mortgage loan on XX/XX/23 and approved 1 organization to pull my credit. Because the credit bureaus sells consumers personal information, I've received over 100 calls from mortgage lenders over a 24 hour period XXXX along with text messages and emails. I use my phone for business and was overwhelmed by the amount of calls that came on my cell phone that I did not give permission to call me. It's an extreme intrusion of privacy and ridiculous of the amount of calls that came in. Of all the business that should not sell our information are the credit bureaus. They are contributing to risk of fraud and identity theft just by selling all of or information to lending predators. The calls continues day two after a full day of harassments. 

I have not taken any action against the lenders because there are far too many to keep track of.

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 2018-11-07
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a medical bill from XXXX XXXX XXXX here in XXXX, Oregon. The bill was only {$450.00}. I accumulated the bill due to I had been put into the hospital after a ex-husband became XXXX XXXX with me. He was XXXX and put into XXXX for XXXX. Long story short. I was not working at the time and going through a divorce. A non-profit battered women group helped me file divorce papers and achieve a restraining order against the ex-husband. My medical bill unfortunately was sent to a collections agency here in XXXX, Oregon. They contacted me and I started making making payments to them for the bill in person. I started receiving repeated phone calls from them daily. They left many voice messages on my phone for my ex-husband and his debt. I started receiving my ex-husband 's bills that were being turned into the same collection agency at my home address from XXXX XXXX here in XXXX, Oregon that he owed money to.I called the debt collection company ( Ray Klein Inc. ) multiple times and told the receptionist in person and through voice messages that I do not appreciate being harassed regarding my ex-husbands debt. I told them repeatedly to stop calling me and sending me his bills. I felt that I would never get over the nightmare that he caused me because now I was being haunted by a debt collector leaving messages on my phone regarding him and sending me his bills. What eventually happened was they quite contacting me regarding my debt that I was paying on. I told them repeatedly that my ex-husband was not living at my address and told them of what he did to me. No response. Now, my debt has incurred a {$100.00} in finance charges from the debt collection agency. They never sent me any other letters after the time that I contacted them regarding my ex-husbands debt. I am now being referred to an attorney for the debt.The debt collection has now been filed with the courts. A lawyer has been contacted and is now pursuing collection from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
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 HAVE REVIEWED MY CREDIT REPORT AND I DISCOVERED AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AT YOUR EARLIEST CONVENIENCE.

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 2023-11-28
Company: U.S. BANCORP
State: WA
Product: Credit 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:
Called the number provide informing them of the charge on the card. They canceled then card and was told they were going to send the replacement card with the missing funds. The card never arrived. Called again ( XXXX ) requesting the same thing and they were confused on what i was asking for. Put on hold many times returning back on telling me that it was a charge and to get my funds back i had to send in a letter to an address i did not understand. The amount on the card was XXXX and a charge to the card happened at a gas station in the XXXX XXXX, in the amount of XXXX. I live in west coast.

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 2023-06-07
Company: FISERV INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
There was XXXX XXXX transactions made on my account on XX/XX/2023 for XXXX and XXXX that I did not make or authorize. I contacted them to dispute the charges and they denied my dispute. I feel this company did not properly handle or investigate the dispute throughly and they have a history of just denying charges you did not make on your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting 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:
I was a victim of XXXX data breach and would like all negative accounts removed and deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I would like these inquiries removed fromm my credit report. I have no knowledge of them and I know I did not approve or request. I don't recognize them at all, can you please remove from my credit 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 non-monetary relief
Consumer complaint received 2020-03-06
Company: NAVY FEDERAL CREDIT UNION
State: IL
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 a victim of Identity theft/fraud. 
I have notified NAVY FEDERAL several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to NAVY FEDERAL XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt NAVY FEDERAL is in violation of the FCRA and continues to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: USCB, Inc.
State: CA
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 been making payments on a medical dept to USCB America. The dept does not appear to be going down. They said it was because of the interest that I am paying. I requested a copy of their interest policy. The representative said they do not release that information. I said " if I am paying it, I have a right to know what it is '' again the representative denied my request. This occurred on XX/XX/2023. On a Recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage servicer, PennyMac, has added a flood insurance policy to my account. I have provided documentation from FEMA declaring the property is NOT in a flood zone. TXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX specifically states under the Legal Property Description section that the determination removed the property from XXXX XXXX XXXX  ( flood insurance required ) XXXX XXXX XXXX  ( flood insurance not required ) and supersedes " all previous determinations, '' and in doing so retroactively corrects the prior flood zone determination of XX/XX/XXXX. I have submitted this documentation three times through their required channels. It is impossible to speak with someone knowledgeable, and I received only one call back where I was told this is an old letter from XXXX of XXXX and is not current or acceptable. It is clearly dated on top as of XX/XX/XXXX. 

The insurance policy must immediately be removed from my account and funds refunded to escrow..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: NC
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:
I am a victim of identity theft and I am writing this statement to dispute certain information you have reported incorrectly on my credit report. Please block or please delete incorrect information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

XXXX XXXX XXXX Credit Cards XX/XX/XXXX US SM BUS ADMIN ODA Federal XX/XX/XXXX XXXX/XXXX XXXX Complete Department Stores XX/XX/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 2022-11-10
Company: Experian Information Solutions Inc.
State: MA
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:
the account is XXXX its Experian that's reporting it as XXXX potentially negative in red on my account. i spoke to XXXX today at XXXX and she said XXXX is reporting it since 2020 as paid for less than amount of in settlement so she doesn't know why its reporting or showing me what it says on my end.

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 2020-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I transferred a loan balance to my credit card to enjoy a 0.0 % promotional interest rate for the initial 12 months since it posted. However, Bank of America now charges me interest on all my new monthly purchases despite paying down the balance to {$0.00} for my monthly new purchases, plus additional funds toward the balance transfer. It's essentially a bait and switch. Now they can charge me a higher 15-18 % interest rate on my new purchases when I never had to beforehand because I always paid my balance to {$0.00} every month. 

I called twice to complain that this was an unfair business practice and not properly disclosed on the promotional mailer offer. 

The first time I called in to ask why I was being charge interest on my new monthly purchases I was hung up on. The second time I was not offered a satisfactory explanation why I was being charged interest or any type of resolution.

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 2021-04-23
Company: EQUIFAX, INC.
State: NV
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 are some accounts listed on my credit report to include addresses that aren't mine and or that I have not lived at. Please remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: WASHINGTON FEDERAL BANK
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Monday, XX/XX/XXXX around XXXX XXXX  I went into wafd bank off XXXX and XXXX XXXX to withdraw some cash from my checking account. The unwelcoming energy and attitude from the two employees working the bank that afternoon was completely unprofessional. The lady laughed when I requested {$10000.00} from my ( {$12000.00} ) account. I decided on a lesser amount but she told me the most she could give me was {$1000.00}. That was ALL the cash they had and that they were completely wiped out because of the busy holiday weekend. Oddly she had XXXX crisp XXXX dollar bills for the remaining cash in store to give me. She told me she couldnt get me cash until Tuesday XX/XX/XXXX, EIGHT days laterand that they would call me to set up a time for me to come pick it up. How do I know someone wouldnt know that info and follow me? I did get the {$1000.00} cash and a {$3000.00} cashiers check that day. I later received a unrequested XXXX XXXX delivery to my house with the remaining funds in my account on a cashiers check, along with a force closure notice, which was due to inappropriate use. I also received another letter in the mail stating they reported my account misuse to XXXX  due to transaction history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I submitted a money transfer request of {$5000.00} to Western Union on XX/XX/23. 
I wished to purchase a car in another state and wished to send the seller the purchase price. 
On the evening of XX/XX/23 Western Union withdrew {$5000.00} from my bank account. 
On the following day, XX/XX/23, Western Union informed me that the transaction was " Refunded '' as they believed the transaction to be a scam. ( The transaction was not a scam as I sent the seller the money by other means and I am now in possession of the car. ) As of today, XX/XX/23, Western Union has NOT refunded my money and Western Union is still in possession of my {$5000.00}. 
The attached bank summary shows that Western Union took {$5000.00} from my bank account on XX/XX/23 and has not made any refund to date. The second attachment shows that the transaction was " Refunded '' by Western Union on XX/XX/23, however no refund has been made. 
Please help me recover my {$5000.00} with interest and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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