BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-10
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Complaint : PNC Banks refusing to accept mortgage payment for the purpose of trying to default on my mortgage loan, so PNC Bank can foreclose on my property. 

I reside in XXXX XXXX, FL. I have a VA mortgage with PNC bank as of XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, I went to 2 PNC Banks ( PNC Bank-XXXX on XXXX XXXX and PNC Bank on XXXX XXXX on XXXX XXXX ) to make payment on my mortgage ; PNC tellers notify me that there is no pending payment on my account and my account is showing a XXXX balance. Also, there is no mortgage account associated with my name. I requested a copy of this information, but my request was denied. This was quite abnormal because I made 99.9 % of all my mortgage payments through PNC Bank tellers for the last four years. I attempted to make a payment on PNC Bank Payment Options Center online, but my mortgage account information was not listed in PNC Bank Payment Options Center online. I contacted PNC Bank ( XXXX ) -XXXX automated payment system where I was automatically provided with a pending balance. I paid my monthly mortgage payment through the automated payment system over the phone. This automated payment was listed as PNC mortgage 2nd mortgage in my banking statement which is quite puzzling because I never took a 2nd mortgage on my home. I research XXXX County Property website and there is no 2nd mortgage listed ; also, there is no payoff from PNC bank showing that my mortgage is paid off. I have not received any correspondence from PNC Bank pertaining to this matter beforehand. Furthermore, I had 2 witnesses to these incidents. It seems that PNC Bank is refusing to accept payments for the purpose of trying to default on my mortgage loan, so PNC Bank can foreclose on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX {$170.00} XXXX  XXXX {$300.00} XXXX  XXXX {$12000.00}

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 2018-08-22
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2018 our XXXX XXXX XXXX credit card account was charged 3 {$150.00} charges related to fraudulent gift card purchases using our XXXX account. We immediately informed the company of the charges and they refuse to honor their supposed Zero Liability fraud protection policy and refund the charges. We've been fighting with them for 8 months now and they are continuing to charge late fees and interest during the investigation. They have also reported overdue payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am the victim of identity theft. I have tried numerous times to correct this issue with Experian without any success. The following accounts are believed to be fraudulent. XXXX XXXX XXXX / XXXX {$8500.00} XXXX  XXXX XXXX / XXXX {$14000.00} XXXX XXXXXXXX XXXX / XXXX {$4700.00} XXXX XXXX XXXX / XXXX {$18000.00} XXXX  XXXX XXXX / XXXX {$24000.00} XXXX XXXXXXXX XXXX / XXXX {$7600.00} XXXX XXXX XXXX / XXXX {$40000.00} XXXX XXXXXXXX XXXX / XXXX {$17000.00} XXXX  XXXX XXXX / XXXX {$2600.00} XXXX XXXX XXXX / XXXX {$32000.00} XXXXXXXX XXXX  XXXX / XXXX {$2600.00} XXXX XXXX XXXX / XXXX {$3500.00} XXXX XXXX  XXXX / XXXX {$1200.00} XXXX XXXX  XXXX / XXXX {$300.00} XXXX XXXX  XXXX / XXXX {$2700.00} XXXX XXXX  XXXX / XXXX {$250.00} XXXX XXXXXXXX XXXX / XXXX {$1500.00} XXXX XXXX  XXXX / XXXX {$3000.00} XXXX XXXXXXXX XXXX / XXXX {$3400.00} XXXX XXXX XXXX / XXXX {$5500.00} XXXX XXXX  XXXX / XXXX {$610.00} XXXX XXXX  XXXX / XXXX {$8600.00} XXXX XXXX  XXXX / XXXX {$5700.00} XXXX XXXX XXXXXXXX / XXXX {$760.00} XXXX XXXXXXXX XXXX / XXXX {$3500.00} XXXX XXXXXXXX XXXX / XXXX {$37000.00} XXXX  XXXX XXXX / XXXX ( All accounts that say XXXX XXXX  XXXX / XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have been trying to get a demand for payoff of this loan since XX/XX/2020. We provided Fay Servicing all they needed to confirm the borrower, XXXX XXXX passed away and his wife XXXX is in escrow to sell this property. Escrow is scheduled to close TOMORROW and we still don't have the payoff. I spoke with XXXX XXXX who is a manager in the payoff department, and he advised me to re-submit my entire request to another department, so now we are having to start all over on our request. I did that, but still don't have a response from XXXX. I need a demand TODAY as they are holding up the sale of this property, and the buyer 's interest rate is expiring tomorrow. This will cause our seller to have to pay to extend the buyer 's interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: WELLS FARGO & COMPANY
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Around XX/XX/2019, I began receiving a large amount of calls from numbers I did not recognize or that my phone classified as spam. On XX/XX/2019, my older sister forwarded a voicemail she received stating that an unidentified organization was trying to reach me regarding a complaint that had been forwarded to their office. They advised me to call the " law firm '' handling the complaint ( XXXX ) and reference a file number ( XXXX ). I called the number of the purported law firm and asked for identification and more information regarding this complaint. The person I spoke to cut me off and asked for my file number and put me on hold as soon as I provided it. She then came back on the line and started explaining to me that the call had come from a process server who was trying to make sure I would be home so I could be served with a complaint. I am a XXXX XXXXl and have extensive experience in initiating lawsuits and I know that process servers do not generally call defendants to effect service. I had also looked myself up in my state 's court filing system and there are no civil cases that have been filed against me. I advised the woman I was speaking with that I can not be served unless a summons and complaint have been filed and she admitted that nothing had been filed yet. I then asked who was allegedly suing me and she became very rude and said " You had an overdrawn Wells Fargo account -- do you remember that? '' I replied that I did remember overdrawing a Wells Fargo checking account over ten years ago and that any claims were therefore outside the statute of limitations. She became argumentative and refused to give me any further information regarding the claim. She eventually yelled at me to " look up bad check law, '' told me I was going to be served, and hung up on me. 

I called the XXXX number back and asked for the name of the company and whether they were a law firm. The person who answered this time advised that they are not a law firm and their organization name is XXXX XXXX. This person looked up my file number and advised that there was a notation that everything had been " dismissed. '' He apologized for the person I had spoken to previously and was much easier to deal with. He confirmed that nothing had been filed against me and that they were probably calling to confirm an adress to send out a notice via certified mail. I again confirmed that they were not a law firm and that I would like notice of whatever claims they have sent to me in writing. I thanked him and told him I will look for correspondence from them in the mail.

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 2018-08-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The following credit card accounts have an incorrect balance. All the accounts have a XXXX  balance.

1. XXXX XXXX XXXX  Reported XX/XX/2018 97 % Balance : {$290.00} / {$300.00} 2. XXXX XXXX   Reported XX/XX/2018 47 % Balance : {$93.00} / {$200.00} 3.XXXX XXXX Reported XX/XX/201847 % Balance : {$470.00} / {$1000.00} 4. XXXX XXXX Last reported : XX/XX/2018 {$990.00} Good 5. XXXX Last reported :XX/XX/2018 {$600.00} Good These account below have a incorrect balance.

AUTO LOANS 1. XXXX Last reported : XX/XX/2018 {$44000.00} Good 2. XXXX XXXX XXXX Last reported : XX/XX/2018{$9200.00} Good 3. XXXX  Last reported : XX/XX/2018 {$9200.00} Good The account below is not a charge off, account is being paid on.

AUTO LOANS 1. XXXX XXXX XXXX   Closed : XX/XX/2018 {$28000.00} Closed

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 2018-08-23
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: Account status incorrect

Complaint:
The following credit card accounts have an incorrect balance. All the accounts have a XXXX balance. 

1. XXXX XXXXXXXX XXXX Reported XX/XX/2018 97 % Balance : {$290.00} / {$300.00} 2.  XXXX XXXX Reported XX/XX/2018 47 % Balance : {$93.00} / {$200.00} 3.XXXX  XXXX Reported XX/XX/2018 47 % Balance : {$470.00} / {$1000.00} 4. XXXX XXXX Last reported : XX/XX/2018 {$990.00} Good 5. XXXX Last reported : XX/XX/2018 {$600.00} Good These account below have a incorrect balance. 

AUTO LOANS 1. XXXX Last reported : XX/XX/2018 {$44000.00} Good 2.  XXXX XXXX XXXX Last reported : XX/XX/2018 {$9200.00} Good 3. XXXX Last reported : XX/XX/2018 {$9200.00} Good The account below is not a charge off, account is being paid on. 

AUTO LOANS 1. XXXX XXXXXXXX XXXX Closed : XX/XX/2018 {$28000.00} Closed

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 2018-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been unfairly assessed a " monthly maintenance fee '' for over six months on my checking account with bank of america.

I opened my account with bank of america over 15 years ago where I was not assessed monthly fees. At some point, approximately 2 years ago, i started seeing maintenance fees on my account. I called Bank of America and asked how I could prevent being charged the fee. They said that if I used my account only " online '' or through ATMs, I would not be charged a fee. I have typically been conducting my banking in this manner this that time. However, last year I started seeing new monthly fees again even though my banking was still exclusively conducted through the " online '' and ATM channels. I believe Bank of America misrepresented account terms by charging me these fees.

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 2019-05-28
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage servicer did not pay full homeowner 's insurance amount and policy was canceled due to non-payment. Servicer claimed they did not have access to the premium amount, but they were added on to the insurance by insurer and sent a revised statement/bill. Upon discovering my lapse in insurance ( 8 months later in a letter from servicer asking for insurance proof ) I started a new policy - I assumed since I heard nothing further that they were able to make the payment. After that, the servicer requested I purchase insurance from the cancellation date to the day prior to the new policy ; I am unable to purchase such insurance as no one will sell backdated & expired insurance, therefore the servicer is going to charge me roughly {$700.00} for 8 months of expired insurance, when my annual policy amount is roughly {$730.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is not owed by me. I previously disputed the debt and it was investigated and removed only to be sold to another debt collector a short time later. I have mailed letter and disputed the debt via the credit bureaus. This account is fraudulent and I provided proof of the dates I lived at the address tied to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
An Amazon prime Chase Rewards was charged without my permission. I have a XXXX bank card as my primary on purchases through amazon.  About 6-8 months ago I applied to receive an instant {$50.00} amazon gift card during a purchase. Approximately XXXX I called the number on the back of credit card and paid off the purchase to a zero charge. 
On my prime amazon account, I carry 2 bank cards for purchase. My XXXX bank card is primary purchasing card. XXXX one day was verifying some purchases with me and I cleared them. However as I later learned Amazon kept the Chase card as the backup option and after my payment in full a purchase of {$43.00} was made in error without my permission it default to this card. I never receive any statement regarding this charge and its possible that it went into spam email as my emails are full of spam. 
I went to apply for a VA Loan with a credit score of XXXX and found a XXXX drop because I had a XXXX late on chase bank credit my score dropped to XXXX. First thing I have receive via mail was dated XX/XX/XXXX and arrived XX/XX/XXXX that I had a problem. Amazon agreed that it was there error for credit become default purchase card. I paid money owed and several fees however I was never notified and was not aware money owed and I am not get a resolution on my incorrect credit reporting and is now affecting my VA loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: M&T BANK CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Opening a checking account with M & T bank responding to an promotional offer. Mentioned the {$250.00} bonus and met all the requirements. However, the account only received a {$100.00} bonus. This shall be due to banker 's mistake or bonus system error.

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 2018-08-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I previously notified Navient that I am a victim of identity theft, and requested that they do the following Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files.

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. S 1681 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Despite the fact that I responded to CapitalOne regarding dispute # XXXX and submitted requested documents on time, they paid {$530.00} to XXXX XXXX who fraudulently charged my credit card for a service they did not provide. XXXX XXXX provided no proof to CapitalOne that they paid {$530.00} dollars to transport my vehicle to Florida as they claimed ; yet CapitalOne paid them and refuses to credit my account. 

Enclosed you will find an email where XXXX acknowledges that the job was cancelled ; yet they refuse to credit my account. After filing the dispute with CapitalOne, XXXX reported fraudulent statements claiming that I signed documents I did not sign, and claiming they paid {$530.00} dollars to a hauler they did not pay. I have enclosed a copy of a postal money order receipt showing that I was the one who paid the hauler. I have also enclosed snapshots of a text message proving I cancelled the job.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-23
Company: Avant Credit Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was pre-approved on XX/XX/2018 from for multiple loans on XXXX XXXX and XXXX  powered by Avant was one, who provided the best rate of 9 % based on soft inquiry.. I decided to apply and complete application with them on Monday XX/XX/2018. Since pre-approval on XX/XX/2018 my credit score went up by 5 points because I have paid down another account on my credit ( MY CREDIT IMPROVED ) I processed application and was asked to complete task. Provide my bank log in information, and my last month bank statement. A disclosure came up that states a decision will be made within 24 hours. Next morning on XX/XX/2018 I called to question why was I required to provide my bank account login information as I was uncomfortable afterwards. I didn't feel comfortable giving my credential for a loan company to access my bank info anytime. They did explain that this was to verify my income. The person I was talking too, mentioned that they want another paystub " showing my monthly bonus '' added. At this point I was very upset because they can clearly see my year to date income WHICH INCLUDED my bonuses on my recent pay stub. I provided the info and waited till Wed XX/XX/2018 morning and still no decision. At this point I am extremely hesitant and called XXXX at XXXX and asked to withdraw application a requested to speak to a manager. I was told by a male that a manager would have to call me back about my concern. Never heard back from a manager, I then received email on XX/XX/2018 at XXXX XXXX  that states " Right to request specific reasons for credit denial '' Your Credit Score : XXXX Date Credit Score Created : XX/XX/2018  Score range from a low of XXXX to a high of XXXX Key Factors that adversely affected your credit score : Length of time revolving accounts have been established Proportion of loan balances to loan amounts is too high Proportion of balances to credit limits is too high on bank revolving or other revolving accounts Time since most recent account opening is too short Inquiries impacted the credit score I then called XXXX and asked for manager again. They introduced me to XXXX who confirmed at the beginning of the call that I was talking to manager. I shared the reason why I wanted to withdraw and my hesitation on sharing multiple income information. She confirmed that they reason they didn't give a decision is because they were closed at XXXX and opened next day at XXXX. THE DISCLOSURE DOES NOT STATE THAT! it states a decision will be made in 24 hours. She confirmed later that she was a supervisor and when asked to speak to someone in management she said there would be no one available to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX  XXXX XXXX  XXXX {$15000.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$990.00}

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