BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-17
Company: PNC Bank N.A.
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
PNC Bank, XXXX, Ohio. XXXX. I have never been late with any payments in the 12 years I have been paying PNC. After trying to refinance with the company and getting an appraisal of over twice the value of my home I was denied. So starting in XX/XX/XXXX after making my monthly payment of {$800.00} XX/XX/XXXX I decided to make a Principle only payment on line XX/XX/XXXX of {$1000.00}. When I looked at my account I noticed they applied only {$470.00} to principle and {$520.00} to interest. I called them and they said they would correct it and that it might be best to mail in the principle payments with a check showing principle only on the check ... well it never happened on there part. I made my monthly payment again XX/XX/XXXX of {$800.00} and mailed in a Principle payment of {$1000.00} on XX/XX/XXXX which I wrote on the check and the statement portion PRINCIPLE ONLY. When I checked my statement again it showed they applied only {$680.00} to principle and XXXX to interest. I was going to give them one more month to get this right so again I paid my monthly payment on XX/XX/XXXX of {$800.00} and another Principle only check mailed in with Principle only wrote on it in the amount of {$1000.00}. This time they applied {$140.00} to principle, {$130.00} to interest and {$720.00} to late fees. I was in shock. I have tried calling them to get this taken care of but get the run around. This makes me wonder what they have been doing to me the first 11 years when I didn't even look at my statements. I have also been trying to get them to let my wife handle this matter since she handles all the bill paying and they always give the run around about having me to authorize her to handle it which I have done dozens of times on the phone. Let me also add that they apply different amounts to the principle with my normal monthly payments. Like XX/XX/XXXX principle was {$220.00} interest was {$570.00}, XX/XX/XXXX, principle was {$1.00}, interest was {$790.00}, XX/XX/XXXX principle was {$390.00}. XXXX and interest was {$400.00}. All of this is so wrong. Please be advised of a CROOKED company. My balance has only gone down in principle since XX/XX/XXXX till now {$2200.00} with them receiving {$5400.00} from me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Since joining Serve American Express I have dealt with a lot of fraudulent charges on my debit card. I have file disputes for all the unauthorized charges but the claims were denied. One of the problems is they dont have a chip on their card and they dont require a pin when making a purchase. Someone had to have my card information. I have let other use but I dont know who could have make then purchases. I have multiple banks and I was using this card for a saving outlet. I was using the account for direct deposits. 
XX/XX/XXXX XXXX XXXX {$25.00} ( not authorized ) XX/XX/XXXX XXXX XXXX  XXXX ( Covid stopped this so I asked for a refund ) XX/XX/XXXX XXXX XXXX XXXX XXXX {$89.00} XXXX XXXX {$44.00} XX/XX/XXXX XXXX XXXX {$32.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX These charges are not authorized. XXXX XXXX was not authorized and it seems to be linked to XXXX. I have talked to the merchants and they explained things to me. These charges are all over the place. I have never been to XXXX. There also a hotel booked in XXXX. I have never been there! 


XX/XX/XXXX XXXX ( Covid stopped this so I asked for a refund ) XX/XX/XXXX XXXX These were authorized authorized charges. I purchased a trip but due to Covid I could not travel. They charged me an extra {$190.00} make another reservation. The final price was suppose to be {$990.00}. I asked serve for a refund because the company over make me pay extra charges. 

XXXX XXXX {$240.00} XXXX XXXX {$650.00} Think I lost my card at food lion on XXXX. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I used my card at the ATM to pay someone. I got change for the cashier and I think I left my card at the atm or register. I didnt realize the card was missing until I tried making a purchase someone else. Once I couldnt find it i checked my balance and seen the unauthorized charges. Immediately I froze the card. 


XX/XX/XXXX XXXX XXXX {$110.00} This charge is with Purchased a bike on XXXX and never received My item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: PA
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 did not consent to these inquiries reporting on my consumer report, authorize nor benefit from any of the following inquiries, Block and remove them immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: MIDCOUNTRY FINANCIAL CORP
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: Account status incorrect

Complaint:
I filed Chapter XXXX Bankruptcy in XXXX. Heights Finance was included in the bankruptcy. From XXXX Heights finance  showed the account as closed and included in the bankruptcy. In XX/XX/XXXX Heights Finance reported the account as " failure to pay '' for the month of XX/XX/XXXX. This account should not be reporting any delinquency after XXXX as it was included in the bankruptcy. This negative reporting caused my score to drop 11 points while in the middle of underwriting for a mortgage.

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 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 been contacting the credit bureaus and companies for months now and nothing has been done. I have been a victim of identity theft. I have been so stressed out over this credit card thats not mine. It has been causing me to be denied for credit and has really taken a toll on my family financially during the pandemic. I need the bureaus to take this complaint seriously and delete the fraudulent item 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 2020-05-26
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Requested mortgage assistance with my previous mortgage servicer XXXX because of my recent divorce. The mortgage modification was granted and I made the 3 trial payments to XXXX mortgage. My mortgage load was sold and transferred to Mr. Cooper. Mr. Cooper customer service stated they only received 2 trial payments from XXXX mortgage. I was instructed by Mr. Cooper Customer service to resubmit request for mortgage modification again because of them receiving 2 payments. I was approved by Mr. Cooper for the 2nd modification and made 2 of the trail payments by phone, the 3rd trial payment was scheduled by phone, but Mr. Cooper did not debit my account for the final payment. I contacted Mr. Cooper to inquire why the payment wasn't drafted from my account. I was informed by customer service they saw the payment was to be drafted in their computer but it wasn't drafted. I asked for a Supervisor and I was instructed by the Supervisor they would research the problem. Called Mr. Cooper a few day later to check status. I was informed by the Supervisor they saw in the notes payment was called in to be drafted and they don't know what happened and why it wasn't drafted. I have recently resubmitted request for mortgage assistance again and my mortgage is still in default. Mr. Cooper has been unwilling to assist me with resolving the issues with my payments. I feel the mortgage servicer is trying to allow my home to foreclose. Please Help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: M&T BANK CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
M & T Bank is imposing unreasonable requirements to close my account. On XX/XX/2020 I sent M & T Bank a written request to close my account. M & T has refused to close my account unless I mail a notarized letter. As I explained to M & T on XX/XX/XXXX, requiring a notarized letter is unreasonable not only because it costs money I can not spare, but also because notarization would violate the stay-at-home and social distancing orders. As I had already explained to M & T, for Covid-19 related reasons I can not even visit a bank branch, much less go see a stranger or have them visit my home for notarization. It appears M & T is making up reasons to hold my account open against my written wishes, to count me as a continuing customer and charge me monthly maintenance fees. I just can't afford it. Please see my attached correspondence with M & T Bank, and thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26
Company: CMG MORTGAGE, INC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Before purchasing the home the city of XXXX XXXX misclassified my property as a commercial building for the year of XXXX. With no warning 1 year after owning the home my payment increased by $ XXXX/month. After speaking with the city my taxes were adjusted to normal rates. My mortgage company took three months to readjust payments and over {$900.00} was over paid to CMG financial. I was told that money would not be returned but placed in my escrow account which would be refunded upon paying off my 30 year mortgage. In order to avoid that and due to hard ship over Covid-19 I applied for Forbearance on my mortgage. My idea was to underpay the miscalculated taxes so as to save the {$900.00} overcharge. I made a partial payment on my mortgage in XX/XX/XXXX to accomplish this. Since my payment has went back to a normal adjusted rate. I was told to apply for a loan modification due to my Covid hardship by CMG. I had to cancel my forbearance in order to do so. On three separate occasions I have given permission over the phone to cancel my forbearance and filled out all necessary documentation for the loan modification. CMG has continuously told me they never received my paper work even after others in different departments have confirmed my submission. I have been told on multiple occasions my forbearance is still in effect, even after canceling 3 times. I submitted my documents by fax, email, and by mail because to fix my tax situation was so grueling of an experience I wanted to ensure they received my paperwork. Every time Im on hold the line drops off. I have spent over a full work week 40 hours waiting on the line to accomplish this loan modification process and tax modification to no avail. I was also told in order to cancel forbearance I have to pay {$1800.00} over my bills this month in order to start my loan modification process and heathers is no guarantee the city of XXXX XXXX will refund me. What are my options? This companies negligence is causing me serious financial hardship and distress. I have no idea where to turn at this point in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: EQUIFAX, INC.
State: GA
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 has come to my attention that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from XXXX XXXX. I have contacted XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$18000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received a letter dated XX/XX/XXXX/19 from US Bank.The letter stated that they are in the process of closing my account for suspected irregular activity. I did not understand this since I had a positive balance of {$950.00}. The letter also stated that if the account has a positive balance a cashiers check would be sent to me. At the bottom of the letter, it states if I have any questions to please contact the branch where I opened the account. I immediately went to the branch and spoke with the branch manager XXXX XXXX XXXX. She gave the phone number for the fraud dept and was very dismissive of me. I called the fraud dept and they advised me the account would automatically close on XX/XX/XXXX/19 and that if there is a positive balance it would be sent to me in a cashiers check. I waited until XX/XX/XXXX to call again and they stated the the account was closed on XXXX/XXXX and that and that a cashiers check was sent out to me for {$950.00} and I should receive it in 5-10 business days When I did not receive the check I went back to the bank and spoke with XXXX XXXX again who I could see really did not want to speak with me or my husband. She stated that no check was sent out and she has no idea why. I went outside of the bank and callled the 24 hr bank line. I spoke with XXXX who advised me the check was sent out on XX/XX/XXXX19 that I should expect it this week. I am getting a run around from this bank and no seems to know or care where my money is.I called again 4 days ago and they advised me that the check was at the branch office, which XXXX XXXX XXXX denies,

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 2021-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
capitalone bank cards are in collusion with XXXX XXXX 3 accounts are lock in to my credit files and wont come out. force XXXX to unloack and get lettr of deletion from them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Card issuer received confirmation of payment in full from credit collection agency. Card issuer representatives provided inaccurate/false information re update to provided to credit bureau. Account is paid. It is not " in collections '' as reported by card issuer. 

The card issuer appears to send updates ( " in collections ) to credit bureaus that have negatively impacted my credit file. The updates that reflect negative status are no longer accurate.

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 2019-10-31
Company: Greystone Alliance LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collection company XXXX XXXX XXXX XXXX XXXX that is harassing me and my family. I had XXXX XXXX Credit Card that I paid off years ago 2012. They are threatening me when trying to get information they scream at me and hang up on me. I look up on their website nothing about this company. They refuse to send me information and threatening if I don't pay. I have reached out to bank nothing on my credit report regarding this.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-14
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: Their investigation did not fix an error on your report

Complaint:
I submitted information to all 3 bureaus about bankruptcys on my report and XXXX and experian have not followed suit abd XXXX removed 2 and then readded the last one without a written notification again which i did not recieve! I have proof that these bankruptcys are not verfied by the courts and should be deleted along with all accounts included! Also XXXX has continued to update and afe accounts that were closed! Like XXXX XXXX  which was included in a chapter XXXX but us now reporting in a chapter XXXX!! Also all student loan accounts and all XXXX XXXX  car6d and 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 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted information to all 3 bureaus about bankruptcys on my report and transunion and XXXX have not followed suit abd XXXX removed 2 and then readded the last one without a written notification again which i did not recieve! I have proof that these bankruptcys are not verfied by the courts and should be deleted along with all accounts included! Also XXXX has continued to update and afe accounts that were closed! Like XXXX XXXX which was included in a chapter XXXX but us now reporting in a chapter XXXX!! Also all student loan accounts and all XXXX XXXX  car6d and 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 2023-01-13
Company: EQUIFAX, INC.
State: GA
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:
Hello my name is XXXX XXXX XXXX XXXX. I am bringing this complaint to your company as a living man. You are reporting an account with an abbreviated name XXXX XXXX which is incomplete. XXXX is reporting a date last active of XX/XX/22, XXXX XX/XX/22, and Equifax XX/XX/22. I was never late on this account. Update the payment history to ok for all months or delete this account due to inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: FACTUAL DATA CORP.
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:
Im seen losing a lot of my point during my process to get my loan and this company thats pull up my credit some of them I dont know them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for PMI deletion at Truist bank at the end of XX/XX/XXXX. I got the house on XX/XX/XXXX with a 5 % downpayment and 2.5 % rate of interest with zero points. prices have been sky rocketed after that and I have almost twice as much equity in my house. Also I have added a extra master suite to the house almost 265sqft which by itself increases the value by 20 %.

They declined the request to cancel my PMI and sent a letter saying that I can have a BPO ( Broker Price Opinion ) option done for {$150.00}. I sent a check worth {$150.00} to Truist for the BPO appraisal. 
It took them 45 days after following up everyday via phone calls to set up an agent to appraise my house. the agent appraised my house on XX/XX/XXXX. 

I called Truist to check status on my PMI deletion request and they mentioned that the agent is taking forever and its " processing '' at the moment. 

I reached back out to the agent and shockingly she revealed that her appraisal/valuation was rejected by Truist and they want to adjust/lower the valuation. ( that way they avoid my PMI deletion and me as a customer keep paying them for years to come ). 

So basically I have been paying the PMI for 3 months because of these systematic delays Truist is creating. 

And I do not even have the valuation report for which I paid {$150.00} and no call back or responses from Truist.

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