BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-18
Company: PNC Bank N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
By bank, Simple Bank ( owned by BBVA ) closed and was bought out by PNC. 

I have made several attempts and calls to them to close my accounts and have mailed to me any balance due. No matter how long I waited on the phone, I never was able to talk to anyone. I spent 2 hours today waiting to talk to the right department, and the phone just endlessly rang and rang and rang. 

I have no branches near my location to be able to directly go in and work with someone. If i can't call and talk to someone within any reasonable amount of time... how am I supposed to close my bank account?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I signed a mortgage agreement with XXXX XXXX XXXX XXXX XXXX for {$54000.00} for my home. Servicing was transferred to Saxon before the first payment was due, and some years later servicing was transferred again to Ocwen Loan Servicing, L.L.C. Since then, there have been two modifications to the original loan. After fourteen years, with  additional charges and fees rolled in, I now owe almost {$10000.00} more than the original loan. On XX/XX/XXXX I received a foreclosure summons from XXXX XXXX XXXX. Approximately one month prior, I received notification from Ocwen that the loan had again been transferred to another servicer ; but I have not had any contact with them at all.Even though I owe more than the original loan and the property is appraised at {$49000.00}, it is still my desire to keep my home. I'm XXXX years old, not in the best of health, but still working full-time. We're trying to find help, but have had no success so far. I just want to live out whatever time I have left in peace, but this whole thing has become a convoluted nightmare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a XXXX XXXX XXXX  Credit Card. I have had this account for over 11 years. It is being properly reported on XXXX. It was properly being reported on Transunion for over 8 years. It dropped off of Transunion about 2 years ago. This has caused me to have a lower credit score on Transunion. I have contacted Transunion and XXXX XXXX XXXX multiple times by phone and mail. I have sent my Transunion report to XXXX XXXX XXXX   verifying that my account is not on my Transunion report. Transunion response is for me to contact XXXX XXXX XXXX  and have them contact Transunion to see what needs to be done to correct the situation. XXXX XXXX XXXX has told me many times it will be corrected. They ask me to resend documentation even though they admit they already have it. The last response by letter states that my account is being reported by them accurately, therefore my credit report can not be changed. So my credit report is wrong and they state it cant be changed??????????????????

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 2021-10-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have filed previous complaints however the problem is that no one is grasping that I was FORCED into these loan modifications because of PHH accounting errors and to fix them I could not come up with the money for my taxes ( happened twice ) and they tried to put me into foreclosure twice plus one time I asked for a 2 week maximum extension to make my house payment and again FORCED into an 11 month forbearance. I just want to have the fees associated with these forced modifications waived as they were due to accounting errors on PHH 's behalf. 
This is what gets missed WHY were these things done? I am trying to pay off my house and in the past I was told to just sign these modifications and they would clarify and fix everything later. That never happened over and over. I received fraudulent documents from this company as well. Same name sending me foreclosure information and notarized different signatures. I had to contact and executive in the company to stop a fraudulent foreclosure of my home. That executive is no longer there and I can not find numbers on the internet anymore.

please just take these unlawful fees off my acct so I can pay off my acct and be done with PHH. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to sublet an apartment that is part of a co-op. I found a sublet who wanted to move in XX/XX/2021. The co-op board requires a " letter of consent to sublet '' from the mortgage lender. In order to start the process I called my mortgage lender on XX/XX/2021. They told me to send them a fax with my loan number which I did immediately. They them sent me a questionnaire ( see attached document ) through the mail which I received on XX/XX/XXXX. The letter also asked for other documents that had to be provided. I am unsure why they could tell me that I would need those documents when I contacted them on XX/XX/XXXX as I lost valuable time getting them from the co-op board. I finally got all the documents and send them to the bank directly by email to speed up the process and impressed on them the time sensitive aspect of this matter ( see attached email correspondence ). I then sent multiple emails asking for updates and it is now XX/XX/XXXX and my point of contact at the bank is telling me she is just now starting to look at the documents and is unsure if she'll be able to send them via email instead of by mail which would take another few days. 

So in conclusion I started a process 7 WEEKS ago to get a simple document from my mortgage lender in order to be able to sublet my apartment. Due to their negligence and extremely slow process I have been unable to start the lease as expected and I am losing considerable rent revenue and I am at risk of losing the renter as well which would set me back even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Net Credit is the company on XX/XX/2020 {$4500.00} was reported to my credit report. This isn't my account its somewhere out of state and I'm in XXXX XXXX, La. I've contacted the company as well and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My truck was reposseed on XX/XX/2019 i never got any default notice or phone call the came and took it and left plates and sold it in 4 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am very disappointed on the development of how credit bureaus fix my credit report. It's as if nothing has changed..I know I don't deserve this erroneous information you are placing on my credit report..I have always been responsible with my payments, no late on XXXX XXXX XXXX, CFPB step up and fix this 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 2017-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a Bank of America rewards card. The terms were 13.99 % to 23.99 % depending on your credit. My credit is Excellent and over XXXX. When I received my credit card the disclosure showed my interest was 23.99 % I called customer service at Bank of America and talked to someone in Maine on XX/X/17. I asked her why my interest was so high when I have great credit. She tried deflect and said well it 's interest free for one year. I again stated to her that the web site said 13.99 to 23.99 and wanted to know why my interest was so high. I told her this was misleading and wrong. She stated she could not do anything about it. I told her I would never do any business with Bank of America. Is this a big deal maybe not. I am complaining for the people who do not look at the fine print and before they know it they are in financial trouble.
XXXX XXXX  Visa cash reward card XXXX XXXX XXXX XXXX You can publish this. I cancelled the card

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 2022-03-08
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:
Experian is in violation of the Fair Credit Reporting Act and they are damaging me daily. I have requested that Experian ensure maximum possible accuracy of the information they compile in my consumer file and report about me in consumer reports. I have been disputing the same information that is not 100 % accurate since XX/XX/XXXX. When Experian refused to delete the incorrect and incomplete information in my consumer file, I sent follow up dispute letters demanding deletion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Because Experian refused to delete information that I provided proof of inaccuracy, I sent evidence from the California Secretary of State showing that companies did not exist in my state. I also requested a 609 full disclosure on my entire consumer file in writing since it appears that Experian has information that I am not privy to that refutes my disputes. Experian can not possibly validate and verify any information they are refusing to delete being that the alleged creditors do not exist. I have no recourse against any of the listed creditors as they do not have registered agents for me to serve legal process in California. Is Experian conspiring against me with entities that are elusive to me? It appears that Experian has some vested interest in continuing to damage me. 

Experian has refused to send me the 609 full disclosure of my entire consumer file in writing within 15 days. I sent it to Experian 's registered agent in California, so they can not say that they did not receive it. 

I demand deletion of the information listed below.

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 2021-10-18
Company: Bread Financial Holdings, Inc.
State: PA
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Continental Finance Company, LLC
State: NY
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:
I 've spent the last 6-8 months setting up payments with this company. 
they either lock me out of my account for two hours at a time. and i have to change my password every time. i have to call and manually make my payment. i was given the wrong information to post a payment and make my account current. this card charges me XXXX a month just to use it. i have gone late on one payment and i ca n't even log in to make it. my credit score just dropped 49 points because of this. its becoming a nightmare and i feel this a scam of a credit card.

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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-03-08
Company: Experian Information Solutions Inc.
State: NY
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:
This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else which is just ridiculous! The unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit ReportingAct, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : 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 2017-11-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This file has been in review for over 100 days, a complete packet was received/confirmed months ago. However, week after week underwriting requests documents they already have on file or clarification on thing that were already noted and provided. It is one thing after another and zero progress is being made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Yesterday at XXXX ( XX/XX/XXXX ) I went to check on my XXXX on the Coinbase app and my account said that i sent all of my money to Coinbase. The app says i gave coinbase my money at XXXX XXXX, At no time ever did I authorize this transfer or was not made aware of the transaction from XXXX. They Stole my money without permission, did not inform me of what happened to my money, i waited on the phone for 40+ minutes waiting on a representative to assist me with the problem, and the phone call disconnected. They were of no help to me and had no permission to sell or use my coins in anyway. They took XXXX XXXX which is {$510.00} and sent it to themselves now i have a XXXX balance in my Coinbase account. I tried chatting online with the company about what happened and got no help either. I made my initial purchase for the Coin on XX/XX/XXXX so Coinbase took my money in under 10 days, i have already lost {$190.00} on the coins in that time, now i have lost {$700.00} total because Coinbase took my coin. i will most likely lose more money if the coin appreciates while this claim is ongoing. Coinbase needs to give me my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Pacific Credit Exchange Corporation
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
To whom it may concern, This is to detail my accounts of what happened this afternoon when I called into Pacific Credit Exchange to speak to a supervisor. 

My name is XXXX XXXX. I called initially XXXX/XXXX/XXXX to Pacific Credit Exchange to speak to a supervisor of an employee XXXX XXXX ; Ive called several times between the time of my missed payments and XXXX never returned my calls and each time have been spoken to in a derogatory and insulting way. I was told to hold and was patched into XXXX XXXX. When he answered the phone I gave my name and stated I needed to speak to a supervisor. XXXX processed to insult me and the amount of money I made a payment for and continued to speak unprofessional, and yell at me. When getting off the phone I called and asked to speak to the a supervisor I was informed that XXXX was the owner and he would be back at XXXX. I was told that they are a small company of no more than XXXX employees and when I asked to speak to someone above XXXX XXXX. When I called back to voice my concerns over the unprofessionalism of XXXX XXXX I was then yelled at, over talked, disrespected and never once was assured that the way I was spoken to in regard to my debt was acceptable. XXXX over talked me and aggressively stated it was my problem and he was no longer dealing with me he was sending it to a lawyer and hung up in my face. 

My attempt was to make payment today and in regard to that I was never given the opportunity to do so. Instead I was insulted, disrespected and told how much money I couldnt afford the first time I made my payment. My initial concerns were to discuss the manner in which I was spoken to. I was now informed that legal action is now being taken against me for the debt by XXXX after he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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: Account information incorrect

Complaint:
I XXXX XXXX have been going over my credit report and I noticed that there were a lot of inaccuracies on my report. I have been trying to communicate with the three credit bureaus on my own to fix and correct these issues but they are now ignoring my requests to investigate and fix the issues on my report that I pointed out to them. Since they didnt fix the issue I read on XXXX the fair credit reporting act that they have 30 days to investigate and correct the issues and if they are unable to verify the disputed items then they must delete them BY LAW!! Well it has been well over thirty days and they have done nothing! Also the act said that they must delete the disputed items while they are under investigation and they didnt even do that! I have been monitoring my credit report very closely and they have completely violated my rights as a federally protected consumer. I ask that you please help me to enforce my rights with these companies and have them do what is right by the law and delete all of my disputed accounts since they could not verify the validity of them in 30 days. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

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