BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-29
Company: PNC Bank N.A.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage is thru PNC, we have attempted to remove the PMI insurance repeatedly. According to the XXXX County board of equalization statement ( property taxes ) we receive yearly we have had the required 20 % equity in our home for over a year. 
We first contacted PNC by phone in XX/XX/2019, we were told that our account would be sent to the appropriate department. We never heard or received anything. 
We called again one month later ( XX/XX/2019 ) and the rep said that if we waited one month our PMI would automatically be removed as we would be at the required 20 %. 
When we called again now 2 months later ( XX/XX/2019 ), We were told that we were only at 18 % and if we we wanted to remove it we would then need to pay for an appraisal from their authorized people. At a cost of {$500.00} to us. This was the first time this was mentioned. 

We have the Property Market Evaluation and a Competitive Market Analysis ready for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: BARCLAYS BANK DELAWARE
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: Personal information incorrect

Complaint:
Hello. I have a hard inquiry at XX/XX/XXXX from XXXX. I see it today for the first time in my record. 
And Ill se that I have incorrect ssn number in report that was from this inquiry. 
But I receive my ssn number XX/XX/XXXX And now because of this error I have hard inquiry that I didnt do. Incorrect ssn number in system.

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 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have contacted each credit company to remove XXXX XXXX XXXX XXXX NY XXXX off my credit file and XXXX XXXX XXXX  XXXX XXXX ny XXXX. Some companies have removed others have not. Only XXXX XXXX XXXX XXXX XXXX NY XXXX should be on file and no other addresses. Hope to fix this up if not fixed already thank you.

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 2019-11-07
Company: Experian Information Solutions Inc.
State: FL
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:
Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to 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 2019-09-29
Company: JPMORGAN CHASE & CO.
State: NJ
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:
I HAVE BEEN A CLIENT OF CHASE FOR 20 YEARS THIS CARD HAD NO LATE PAYMENTS FOR 20 YEARS AND WAS PAID ON TIME. 

CHASE OFFERED ME TO ADD AUTHORIZED USERS TO THE ACCOUNT. I CALLED THEM AND ASKED HOW MANY USERS I CAN HAVE ON THE ACCOUNT AND THEY SAID IT WAS UNLIMITED. I THEN PROCEEDED TO ADD USERS. MY NEICES AND NEPHEWS IN ORDER TO GIVE THEM THE GIFT OF CREDIT AND ALSO MAKE THE BEST USE OF MY EXCELLENT CREDIT HISTORY. MY CARD IS THEN CUT OF AS I WASNT CONTACTED AT ALL ABOUT THIS. THEN ALL OF THE CARDS WERE TURNED OFF. THERE WAS NO FRAUD, NO UNAUTHORIZED PURCHASES ... NOTHING BUT ME BEING A GREAT CUSTOMER AND THEM TAKING ADVANTAGE OF ME AND TURNING OFF MY ACCOUNT AND CLOSING IT. 

THEY WERE THE ONES THAT ALWAYS SAID CAN WE ADD ANY AUTHORIZED USERS AND WHEN I DO ITS CLOSED. THIS IS WRONG FOR A XXXX YEAR OLD GRANDMOTHER TO LIVE HER LIFE RIGHT AND TAKE CARE OF FINANCES AND THEN THIS HAPPENS I WAS TAKEN ADVANTAGE OF BY A CARD COMPANY I WAS FAITHFUL TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Over the last 4-5 weeks, XXXX and XXXX XXXX has called my employer, relatives and friends about an Amex bill I owe.

1 - They do not call me at all. I had to get messages from friends and family about their calling. Called my family liars when they said I was not home. XX/XX/XXXX is calling people all over the US who I DO NOT live with and haven't spoken to in years. I had to call them to find out who they were and what debt.

2 - The debt they were calling about, yes I owe but not behind in payments. So I asked why they continue to chase ... no response, just repeating that I owe money 3 - Specially told them not to call anyone but me and they have my number ... They are harassing my ex-husband & his family. We have been divorced 13 years 4 - Today XX/XX/XXXX, they called my employer insisting that I handle this debt and call them back. Again, embarrassing, no phone to me and my account is up to date.

This is outrageous!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-28
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Hanna Holdings Inc
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was purchasing a home thru Howard Hanna real estate and I have multiple issues with the company. First they denied me a refund on my appraisal and the appraisal was never done or scheduled. I did sign a document stating I would not be refunded if I failed to purchase the home due to my fault, this never happened I didnt purchase the home because once I received the information on the HOA and the master policy I did not agree with the terms. The HOA master policy was not given to me until after I made the offer on the home and I canceled the sale immediately. The appraisal was never scheduled. But they still denied me a refund. Second I am not ok with the way I was treated by my realtor XXXX XXXX and by the finance guy XXXX XXXX. Things were very unprofessional and very confusing to me and I have since moved on to another realty which I Am happy with. XXXX XXXX made me pay off all of my credit cards and close them out completely. XXXX XXXX tried to get me to put in an offer of 98 % of the asking price of XXXX and we settled at XXXX much less than 98 %. When I tried to talk to XXXX XXXX about my concerns he told me to take my business elsewhere. XXXX XXXX lost her patience with me and started screaming at me on the phone. I have consulted with 2 other realty companies and they agreed I should get my money back on the appraisal. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: SUNRISE CREDIT SERVICES, 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: Their investigation did not fix an error on your report

Complaint:
In XXXX of XXXX, I entered into an agreement with XXXX XXXX XXXX for cell phone service. Subsequently, I was billed twice for that period, once under the old agreement and once under the new one. The company also never honored the new contract and kept charging me per the old contract which was a lot more money per month (XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX ). Additionally, we traded in two older XXXX and purchased two more that were offered as part of the new contract at a {$500.00} savings per phone. Those discounts were never applied as well. I spent many hours on the phone on multiple occasions trying to get this issue resolved, but after four months of not making progress and getting over charged, I was forced to switch cell phone providers. XXXX XXXX XXXX created this entire issue, they acted outside of the contract that they entered into with me, and chose to not fix the issue, though offered multiple chances. I do not owe them this money, and in fact they overcharged me and owe me compensation, for the hours that I spent on the phone with them. Although I have provided XXXX  documented proof that this is not a debt that I owe, they are refusing to erase the negative credit report from Sunrise Credit Service, Account # XXXX, opened on 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 2020-11-30
Company: Experian Information Solutions Inc.
State: NJ
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 and XXXX  has a Chapter XXXX bankruptcy on my report which they both say was verified thru they 3 party vendor XXXX who they claimed they certified it was accurate. I would like to exercise my rights to see that certification because i contacted XXXX and the told me its no bankruptcy for me in there data base ... On XX/XX/XXXX experian send me a email stating that it was verified and the item remains unchanged fr4om there processing of XX/XX/2020 dispute I respectfully ask that you investigate they actions and have them to contact XXXX and show proof that they contacted XXXX instead of them doing there own internal investigation without contacting XXXX. I submitted a new reinvestigation on XX/XX/XXXX with experian. Its been over 30 days and i have yet to receive a responds from 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 2023-06-01
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/ I placed an order at XXXX which was about {$350.00}. I did not receive my order. XXXX was unable to refund me and they told me twice to dispute with my bank for my refund. Which I did. Chime bank will not refund me. Customer service does not answer the phone. I have proof of XXXX stating id be refunded. I have given chime well over 60 days to fix this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Dear Consumer Finance, I have 2 credit cards with Capital One. I made payments on time, but after my XX/XX/2019 payments, I had hardship. I miss some payments. On XX/XX/2019, I contact Capital One Credit and talk to a representative about my 2 credit cards trying to take them out of the red. Well, the representative helps me in the wrong way. Instead of me paying a {$180.00} to card ending XXXX  ( balance {$480.00} ) I have a {$17.00} available credit and can't use it. ( This card is in good standing ) Do you know how embarrassing that is in a store when you can use your credit card after paying {$180.00}? I should have paid that amount to card ending with XXXX along with the {$110.00} I paid into card ending XXXX. The card ending in XXXX would have gotten out of the red and I could have used that card to purchase XXXX dinner and caught the XXXX XXXX sale. But I can't use either card now. I can't go to XXXX  or Capital One Cafe to make payments on either card because of the lockout. That same day I made the {$180.00} payment on card ending XXXX my XXXX bill came out that same day so that the XXXX payment went toward the XXXX bill. Only if that representative would have a better look at my account more closely I would have made the account ending XXXX in good standing and would be able to use the funds on that card. Then I would have made arrangements to catch up on card ending XXXX. That {$300.00} that went down the drain. I have a due payment of {$65.00} on card ending XXXX  and due payment of {$140.00} on card ending XXXX I found out after trying to get this matter to solve we are having language barriers and some representative not explaining about other programs that Capital One has that could have saved me the trouble. I get phone calls every day from Capital One banks and today on XX/XX/2019, I call Capital One bank this very nice representative that I spoke to say that some of the past representatives that I encounter are not leaving notes. This is so heartbroken to me and my grandson. I'm a single grandmother raising my XXXX-year-old grandson and look like this year will not be any better than last year. I'm trying to bill my credit up so that my grandson can go to college without any problem. I can't keep putting money on the card and I'm lockout. Please help me. 

Sincerely yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
THIS IS A CONSISTENT PROBLEM THAT I 'M CONTINUING TO HAVE. ON XXXX AND XXXX, MY BANK ACCOUNT WAS DEBITED IN THE AMOUNT OF XXXX BY A COMPANY CALLED XXXX. I NEVER RECIEVED THE MERCHANDISED I PURCHASED AND I FILED A DISPUTE WITH MY BANK FOR THE CHARGES. AND I WAS CREDITED BACK THE XXXX ON XXXX. I RECIEVED A LETTER FROM NY BANK STATING THAT ON XXXX, THE XXXX WILL BE DEBITED BACK FROM MY ACCOUNT AND THE CREDIT WILL BE REVERSED. THIS IS UNACCEPTABLE AND I WANT AN INVESTIGATION INTO THE MATTER. I SHOULD NOT BE PENALIZED FOR MERCHANDISE I NEVER RECIEVED. THIS IS VERY DISTURBING AND I 'VE HAD PEOBLEMS WITH BANK OF AMERICA BEFORE REGARDING ISSUES LIKE THIS BEFORE.

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 2023-02-27
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I sent a check to a company XXXX XXXX XXXX XXXX in XXXX, GA. 
It was cashed by a XXXX XXXX with no identification at all. 
Check # XXXX Amount {$6800.00} I have contacted my bank as soon as it was found stolen. XX/XX/2023 as of this date and numerous phone calls to PNC my monies have not been reinstated. 
They allowed the money to be taken from my account and as of this date have not reimbursed my account. I am a 30 year business customer with them. 
NO ONE has called me back or given me any information. I have had to call them several times with no avail. I personally gave the check to the postal carrier, who deposited to the XXXX and it went to a XXXX XXXX XXXX So how could it have been stolen. 
And just now and I mean just now received a note from PNC stating it could take 120 days. I think that is awful and very unprofessional. 120 days!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-31
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Was not receiving ANY statements even though they had my correct address. Called twice to complain. They hit me with multiple outrageous late fees in a short period of time and multiple hits to my credit. Did not offer solutions. Company was VERY difficult to get in touch with by phone, as the number was hidden in tiny print buried in pages and pages of text on the original documents that I received upon taking out the card. There was NO contact information available online. The company was very rude when I finally got ahold of them and did not offer any solutions. They put XXXX hits to my credit AFTER I chose to close the card, and these are the only XXXX hits to my credit in 15 years. They are predatory and intentionally gouging people with late fees and hard to reach by phone or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have submitted a dispute with XXXX  twice with photos of evidence that a collection they recently placed on my credit report should not be on it. Legal documents from the court saying that the case was dismissed. And another legal document shows that the account is 12 years old and to old to be on my 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 explanation
Consumer complaint received 2019-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Bank of America has determined to retire the credits of {$540.00} and {$140.00} they gave me for a claim I did due to some fraudulent transactions I saw on my account, based on a none trustable prove that is completely absurd, saying that decision was made because ( Ive been before on one of the places where the fraud was committed ), and of course Ive been there and who hasnt because they are very famous places to visit here on my city, XXXX everybody has visit those place before wish os a completely absurd excuses. I want everybody to know whats happening here that Bank of America is a bank institution that doesnt protect their client against these type of events wish is a terrible problem now these days where millions of people are victim of identity theft .also Im letting you know that Ill do everything on my power to let everybody know about my case on every social network and my friend circle who most of them have Bank of America account, and trust me they wont be happy at all with what you guy did to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
On XX/XX/2015 a balance of {$870.00} from XXXX XXXX Bank appeared on my Transunion and XXXX   credit report. I am challenging Transunion and XXXX to verify this account Per Section 609 of the Fair Credit reporting Act ). This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and creditors to provide the credit bureau a copy of the original creditors documentation. Whatever i filled out and signed upon opening the account with the reporting creditors.

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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
From XX/XX/XXXX to XX/XX/XXXX I rented a house at XXXX XXXX XXXX XXXX in XXXX FL XXXX from IXXXX XXXX. Upon vacating I completed the required steps of cleaning the house. On XX/XX/XXXX I received a letter from FCO ( Fair Collections & Outsourcing ) stating that not only were they keeping my security deposit but also charging me an additional {$1300.00}. Prior to this letter, I was never notified by XXXX XXXX that there were any problems. They are now threatening my credit rating and I don't even know what they are charging me for?

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: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
my name is wrong and the previous addresses do not belong to me see letter attached to explain

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