BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-28
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I closed on a Home Equity Loan with PNC in XXXX of 2018. I have made extra payment towards the principal using the process I was advised to use when speaking to a PNC representative. I was advised to use the online transfer method and schedule it as reoccurring. Instead of applying the payments to principal, they've been applying them to interest. I've spoken to PNC on 4 occasions in an attempt to have the payments reapplied. Each time I'm told that they will correct the error but it will take a few days. Each time I call back and the issue has not been resolved. Because they are incorrectly applying the payments, they are showing my account as past due. I've asked twice for a print out of my account transactions. Both times I've been told that they'll send it but I haven't not received it. I'd like my payments applied correctly and to confirm that they have not been reporting my account as past due to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: 1st Franklin Financial Corporation
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:
Upon obtaining my XXXX  credit report, I noticed that there were unauthorized inquiries from 1st Franklin Financial. I have no banking relationship with this company and theyve pulled my credit on 2 separate occasions without my permission on the dates of XX/XX/XXXX and XX/XX/XXXX. To exude the frustration this company has caused me, Ive mailed in a certified letter on XX/XX/XXXX explaining ( in detail ) how they have violated my rights to privacy and more. All constituents of the data will be attached including : the letter, the drop off and delivery dates, and the credit report. I have yet to receive a response and I hope this will bring forth one.

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 2018-04-24
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
ALLY bank does not include outstanding loan balance on their monthly billing on my new car loan with seems rather suspicious. They also use a third party vendor in XXXX, XXXX to handle accounts, thereby giving American personal credit and social security information to parties in third world countries not bound by US law or criminal enforcement.

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 2020-11-29
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: Was not notified of investigation status or results

Complaint:
It is my second letter about my credit report which is very serious. Please make sure it is not being ignored like my previous letter I sent on XXXX. I noticed various reports on my credit file which are very serious and due to inaccurate information about me on the credit file it is costing me a lot of money, wrong information causing me paying high interests or even getting refused if I want to finance anything. I believe my identity has been stolen and being used for fraud. 
It's really upsetting and I am a victim of mentally stress and financial stress. At least 60 days passed and they have not come back to me, if this letter continues being ignored. I will take further action and write to the XXXX head office to file a complaint. Moreover, if it is necessary I will take them to court to sue them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
This car loan was paid in full over 4 years ago and it still shows on here that is not paid. XXXX XXXX XXXX  paid it off and my loan then became with them. I pay XXXXXXXX XXXX monthly for the loan that they gave me a better rate at. Capital one auto financing should be in good standing. It shows a balance of {$16000.00} but in fact I only owe {$4500.00} that I pay monthly to the third party loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This complaint is against TransUnion the credit bureau. Their service to put a credit freeze in place is deceptive and unfair in that in the terms and conditions of the service there is no schedule of fees disclosed.. In signing up to schedule a credit freeze, it appears as if this is a free service until the end of the 'checkout ' process and there they list an add-on fee of {$10.00} that applies when you want to lift the credit freeze. This is not clearly disclosed in the initiating the service and is a practice that is not supported by the other credit bureaus. 

Now that there 's been the XXXX security compromise, consumers are scared about what will happen to their credit and this is an abusive fee that is penalizing us for taking proactive and preventative actions. Please work to remove this fee entirely or to waive it for those affected by the XXXX breach.

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 2020-07-08
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am a small business owner and desperately need a grant. The money is to be transferred directly to my business account with PNC bank. I was directed to link the grantor to PNC but received a message that PNC has made changes that prohibits my ability to complete this link.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital one closed my Sparks Business Card said it is a business decision. I have paid my account and am always on time. I do not understand why it was closed when I am using the account as intended.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: AmeriCollect
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We paid a debt for medical services and provided a receipt and bank statement proof that it was paid. They called threatening to send our debt to collections several times despite us asking to only communicate by certified mail. We then paid the debt a second time, due to the threats. Now, we are being harassed by a collection agency with calls and mail asking for the debt. When asked, the original creditor would not contact the collection agency to retrieve the file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The bank received an escrow refund of {$160000.00} on XX/XX/XXXX. Less than a week later I called and requested that this refund was sent to my address. Long story short, it's XX/XX/XXXX and I not only didn't receive that money yet but : 1. I've made multiple calls ( more than 20 ) and in every call I was told something different, from my address being wrong ( not true as their other letter are getting to me ) to " you never requested that escrow '' or " you should wait another 30 days to file the request again, that's how our system works '' ; 2. They were quick enough to register in my loan activity that the check was sent on XX/XX/XXXX, but they never registered in the activity that the check didn't get to me, that I asked for a cancellation of that one, that they issued another check ( in theory ), and that I requested to register that the money is still in the escrow account, and not with me. 
3. They keep me waiting on the line, sometimes for more than one hour. As I write this I'm calling them for the Nth time and I've been waiting on the line for exact 66 minutes.

4. They keep not registering other changes I request and saying my address is wrong even though I need to say it every time I call. 
5. I always ask to receive a copy of all the recorded calls and either they say they can't send it or that I need to file the request by email. When I file the request by email, though, nobody ever answers. Thus, I'm being denied my right to get access to those calls and prove that they are holding my money against my will.

I now have a 2nd refund of the XXXX taxes that I am supposed to get and I have no idea how and when I will received. I have NO TRUST in this organization and in their service and I want to receive my money with monetary correction, as they would do if I didn't pay them in the right time. 

PS : after 69 minutes I decided to hang up and call again, as the person just said she was going to check something and get back to me in a few seconds. She was a supervisor and the quality of her sound was so bad that I couldn't hear her. That's the quality of the service we're delivered.

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 2020-12-14
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I filed a dispute back in XX/XX/XXXX with Experian for reporting inaccurate information on my credit report. I was denied credit due to them. XXXX  and XXXX  are accurate. Then, XX/XX/XXXX, Experian comes back and say they will not remove or change the information as their reporting agency determined it to be accurate. The information in question is showing an open ch XXXX BK filed in XXXX. That was discharged in XX/XX/XXXX. It is now XXXX and they still can not report correctly. I also had an issue several months ago when I put a fraud alert on my account. Experian some how changed my phone number to one I used about 5 years ago which was not active and was causing issues trying to get a car. I am putting them on notice they have violated my Rights and will be seeking legal damages and legal fees when this goes to court. I tried to get a XXXX XXXX, XXXX Visa and XXXX XXXX XXXX and was denied because Experian was reporting an open BK when it was not open.

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 2019-02-28
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Ok what happened is i had my accounts with fedloan servicing someway somehow they lost my correct contact info to send me my letters about loans, every year ive made sure to do a forbearance and of all years 2018 income taxes be completely swiped and im still having hardships and may face an eviction if my rent not paid, lights cutt off etc etc all due to an clerical error in not updating my address so my entire XXXX income tax check was taken as in offset. This was not my fault at all but im facing the consequence. And ive made a complaint with another agency and they were abled to see the clerical error where my address from XXXX XXXX was switched to my new address then again to my old address and that should not have been. So when the nrs was trying to contact me they did not have the correct address on file I NEED MY INCOME TAXES BACK PLEASE I HAVE NO INCOME AT THE MOMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX  XXXX in my TransUnion file that's maintained under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$320.00} on XXXX. 

I challenge the accuracy, compliance and reportability of this listing. 

There has been no validation of any information that I owe any type of debt to XXXX XXXX XXXXXXXX. They have not provided me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that I have also mailed them and that they have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 

If the company Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX  P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Attorney General 's Office Cc : 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 2020-12-10
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/20 i received a notification from my alert on my bank account that the account as under {$50.00} threshold causing my account to be in the negative. I called an spoke with an agent that advise that they were going to remove the fees and the charges and my account would go back to having a positive balance. I have checked my account every day as i have had trouble in the past few years with chase and no longer trust they handle things properly. I received no other alerts from my account about the balance being under the {$50.00} threshold and i saw my account in the positive every day. I woke up on XX/XX/20 to see that i was back in the negative and this time i was charged two XXXX over draft fees due to the account going into the next business day in the negative. I have the alert on the account to prevent the account from going into the next business day in the negative. Due to not getting the notifcation that i was back in the negative i was charged the fees and not given the chance to move money around. 

Each agent i spoke to on XX/XX/20 was rude and inappropriate as they talked over me and did not want me to provide the background on the case. The one agent stop me in the middle of my sentence to tell me that unless this had something to do with the claim there was no point for me to tell what happen. I am a customer and i deserve to provide all details i need to feel like im being clear and understandable. I have banked with chase for several years and this was the final straw for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-03
Company: EQUIFAX, 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 was going over my credit when I saw an account on there that was not mine! This is a huge error or fraud! I'm the only one allowed to use my credit and I haven't gave permission to anyone else. This account does not even have any connection or relationship to any account or transaction that i approved of using my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX, 11 XXXX, 11 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, N/A, XXXX XXXX XXXX XXXX, XXXX  XXXX, Company Inquiries XXXX CREDIT/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NA 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 XXXX XXXX XXXX XXXX XXXX F

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 2020-05-28
Company: NATIONS LENDING CORPORATION
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX I applied for an FHA rate/term refinance with Nations Lending. I was presented with a final loan estimate and they were charging {$14000.00} in fees! My new loan amount was higher than my original loan amount. I purchased the home in XXXX. I refused to sign the docs, the loan officer tried to explain how the fees were normal and I felt very taken advantage of. I just wanted to lower my payment a little so it was more manageable and I had even explained to the LO XXXX XXXX my intent was to sell the home within a couple of years. I'm not sure how this loan could have even come close to passing net tangible benefit because how could losing {$14000.00} be a benefit? I wouldn't recoup that loss for years. 
In late XXXX I contacted my own servicer, XXXX XXXX XXXX. They were able to do an FHA streamline rate/term refinance, it cost me {$53.00} to close and only raised by loan amount to {$220000.00} as opposed to {$230000.00}. They saved me the same, if not a little more, money per month and I am very satisfied. 

I think Nations Lending is corrupt and take advantage of people.

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 2020-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After an unauthorized deduction from my bank account, I was advised to check my credit reports and after doing so, I found that Bank Of America was reporting my account as delinquent, closed and charged off. After doing some investigation I learned that I had been a victim of identity theft from the XXXX  data breach, in which all of my personal, financial and electronic data had been stolen. I received letters from The law offices of XXXX, XXXX XXXX XXXX attempting to collect an amount they claimed was due to Bank of America by me. A dispute letter was sent to both the law firm and Bank of America advising them of my identity being stolen and that I had been a victim of identity theft/fraud and asked them to validate the information they were claiming and to provide me with proof that I was responsible for the charges. I never received any of the documentation I requested. I filed an FTC report, police report, ID affidavit, contacted the credit bureaus The freeze my report due to the identity theft and advise them that I was disputing the Bank of America account listed on my credit report. My other credit card accounts also had an authorized and fraudulent charges. One of my credit card companies investigated and determined that the charges were fraudulent and advised me that I was not liable for the amount from the unauthorized fraudulent charges. I never received a response or any of the documentation validating the charges and proving my liability for the amount they claimed I owed. Now Im being sued with this law office paying the attorneys for the plaintiff Bank of America.

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