BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-01
Company: PNC Bank N.A.
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a New servicer " PNC Mortgage '' recently servicing my loan. I read a Law that says " an automatic cancellation of PMI '' would be triggered if my mortgage pricipal balance drops to 78 % of my original principal balance. Currently my principal balance dropped to 76 % below 78 % required to automatically cancelled my PMI. I called PNC mortgageXXXX and they are asking me to reappraise the property again even though since I bought the property 2 years ago ( XX/XX/XXXX ) real estate prices went steadily up in the 3 % range in the XXXX XXXX AREA and PNC mortgage wants me to reappraise the property and wants me to pay them {$XXXX} check up front and it is their appraisal who would appraise the property and I do not have a choice. 
For my mortgage INFO : Original appraised value at the time of closing ( XX/XX/XXXX ) :XXXX Money I have put down:5 % Mortgage principal balance at the time of closing:XXXX Current Mortgage balance as of ( XX/XX/XXXX ) :XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed incorrect items on my credit reports and they not been able to provide the proper verification to prove these accounts.

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXXXXXX is saying I owe a {$630.00} dollar balance on a car loan that was totaled and paid for by XXXX XXXX and the XXXX gap insurance coverage they made me put in my loan agreement. I filed XXXX  XXXX bankruptcy on XX/XX/XXXX of XXXX and in XXXX of XXXX they reported that they Closed my account as a charge off of {$630.00}. Which dinged my credit report big time after Ive worked hard to get it semi back to normal the last 2 years. When I call no one there ever has any information and they tell me to call back the next day.

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 2022-07-20
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hi i used moneygram to send money to my mother for her medication in her bank account. Then moneygram send me a notification that the transaction is canceled. So i called moneygram customer service, i told them i didnt canceled it and if its canceled can i have my money back in my account because I really need to send it again in a different way because my mom need it for her medication. I talk to two moneygram customer service they both said it takes 3 to 10 business days for the my money to be back in my bank account. I told them but I really need to send that money now because its for my moms medication. They said theres nothing they can do. Its for medication and I dont have extra money to send again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Prosper Marketplace, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I fell behind on payments in XX/XX/XXXX. I spoke with rep and was told I need to make 3 consecutive payments to qualify for an extension. I struggled to make 3, the 3rd payment was late so I had to start over in XX/XX/XXXX. XX/XX/XXXXI spoke with rep and made arrang8to pay by XX/XX/XXXX. I made the payments as scheduled. The XX/XX/XXXX rep said as long as I paid under 120 days I would not have a charge off. For my 3rd payment arrangement I spoke to rep and gave a promise to pay 3rd payment between XX/XX/XXXX. I called XX/XX/XXXX to make 3rd payment with the rep with a new checking but the rep said the system was down. I waited 20 min and I was transferred to XXXX XXXX. She also said computer issues and asked me hold. I was on lunch break so I said I would call back. I Confirmed I was still in the window to qualify she said yes. I called back XX/XX/XXXX was told charge off. I requested investigation of recorded calls. It had been 2 weeks no answer. I spoke to XXXX manager, XX/XX/XXXX to learn they were having tech issues for recordings and there was delay. XX/XX/XXXX I received email stating the charge off was correct. The rep did not tell me XX/XX/XXXX would have been too late. Their system issue prevented processing of on time payment.

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 2022-07-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report and noticed some hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have had a Capital One credit card for 8 or 9 years. Around XXXX XXXX, I had called to see if I could switch from a Platinum XXXX to a XXXX card. I spoke with a gentleman that told me it was an easy upgrade so my interest rate would stay the same, card number the same, but with no more annual membership fee and 1.5 % cash back. Just now I realized my balance was higher than the last time I checked when I had not used the card. On XXXX XXXX, XXXX I was charged a {$39.00} membership fee. I looked back and was charged the same thing in XXXX XXXX. I checked the Capital One website and saw clear as day under the XXXX card description that the annual fee is {$0.00}. I called them this evening XXXX XXXX/XXXX/XXXX XXXX and spoke to 2 people that both told me they have a membership fee on this version of the XXXX. They refused to fix the problem and claimed that I must have agreed to it because all the representatives have to disclose that this is a different version of the Quicksilver than what is advertised. I was blatantly lied to and signed up for a card that I was not clearly described in that phone call. I should have been made aware of this especially because I told the sales representative that I was looking to get rid of the membership cost. Not only are they unwilling to change my card to the right " version '' of the XXXX, but they refused to waive even one of the fees. I feel not only was I lied to, but many people are being tricked into this card by looking at the marketing online.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Experian Information Solutions Inc.
State: IN
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:
After several attempts to have this issue resolved, I received statements on my credit report that the dispute was not specific and updated. How was the disputes updated if they were not specific? I have not received debt validation on the following accounts : -XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX credit bureau has not satisfied it obligation to provide the information requested.

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 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late in XX/XX/2019 on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have provided copies of my bank statements from XXXX XXXX XXXX proving that the mortgage payments have been paid on time. I have not now, nor in the past, been late on these payments. This is clearly an error in reporting and this incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these however, I have not been successful.

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 2019-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Capital One and all three of the credit bureaus are reporting me as deceased. I have no idea why this happened but I am unable to get my scores or even pull a report because I am reported as deceased. I need this fixed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I get an account with my credit report who still show open but was paid and supposed to be closed. I want all XXXX credits bureaus to make sure this account show paid in full and closed it 's under a tax lien who was released XXXX, XXXX, 2014.

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 2015-11-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My landlord took me to court for non payment of rent and late fees to evict me. I went to court and testified that he refused to fix my cooking stove as the reason why I had not paid the rent. I was ordered by the judge to pay back rent and all late fees assessed. the eviction was withdrawn and all back rent and fees were paid. Eight months later when lease renewal came landlord asked me if I would like to move. I said yes and did so because he was refusing to repair AC. I have discovered that he has submitted to my credit report that he evicted me and I owe him money. which is not so..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Please see Unauthorized inquiries from XXXX on XX/XX/XXXX andXX/XX/XXXX. Please remove from my credit file as these inquiries are unauthorized and without my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: EQUIFAX, INC.
State: IN
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:
After several attempts to have this issue resolved, I received statements on my credit report that the dispute was not specific and updated. How was the disputes updated if they were not specific? I have not received debt validation on the following accounts : -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX The credit bureau has not satisfied it obligation to provide the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I cashed a check from my own company. I loaned my business {$3000.00} from another bank to cover payroll. When my bank reached over 10K, I wrote myself a check to cover the the loan and additional money for business expenditures. I went to the bank directly and cashed the check for cash since I know BOA tries to charge and hold monies for everything they can to help incur overdraft fees. When I cashed the check, I immediately saw it come out of my account on the mobile app with over $ 4K to spare. My husband, did not know and thought an employee cashed a check and ordered a " stop payment. '' We were never credited the money since the check was deposited at the bank for cash. 
However, 12 days later the whole account changed. It never showed the check I cashed like it did the same day I cashed it and yet they tried to say money came out that never did because my XXXX and XXXX XXXX never got their ACH debits. BOA lied trying to reap {$5800.00} which they decided to remove 12 days when they saw my account hit a low of approx. {$100.00}. BOA is cold busted on this one since there a no people involved ( hearsay ) but my self ( the debitor ) to my own business. 
Please lets bring thieves that change statements from one day to another to suit their stealing from the client. Young people are app savvy and we can see it all. Please help the small nonprofit businesses helping poor communities to eradicate this greed in humanity.

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 2022-07-20
Company: EQUIFAX, INC.
State: TN
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, 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:
I have accounts that I disputed that they alsaid are correct but they are not. The dates are wrong. Under the FCRA they are to investigate and report 100 % accurate info. How was it accurate if the. Last reported date is wrong and last activity date is wrong. These accounts should be deleted for in accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
After several attempts to have this issue resolved, I received statements on my credit report that the dispute was not specific and updated. How was the disputes updated if they were not specific? I have not received debt validation on the following accounts : -XXXX XXXX XXXXk XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX credit bureau has not satisfied it obligation to provide the information requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX I requested a security freeze and suppression regarding my personal information with Lexis Nexis. I received a letter that both request were placed onto my account, but still Lexis Nexis still continue to release my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: CO
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I noticed on my Experian credit report it is reporting credit card usage. I contacted them via written dispute on or around XX/XX/2019 and XX/XX/2019 stating they are reporting credit usage and I don't have any open credit card accounts so I shouldn't have any usage. They responded stating my information was updated however it's still reporting. I called Experian dispute department on XX/XX/2019 to speak with someone in disputes directly and my issue was unresolved which I think is mainly due to the representative being in XXXX XXXX and not fully understanding my issue. Which leads me to my second concern I am not sure my identity and personal information is being thoroughly protected when it can be accessed internationally. It is no way a company in XXXX XXXX should be managing and accessing personal information for consumers in the US.

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 2020-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I continue to receive harassing phone calls from a creditor/collection agency ( XXXX XXXX XXXX ) that calls me at all odd hours of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I called this am and was told for my account ending in XXXX I could get the XXXX transaction history DEPOSITS including the last 4 numbers of sending acct number, and person who sent it. I spent time at the branch no one can help me. I need to see all transaction info relating to deposits into acct asap I was told it should be showing but it is not please help

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 2016-11-14
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I used the Discover Deals section of the Discover.com website to make a purchase with a 5 % cashback bonus. I used this page ( XXXX ) to buy a XXXX and get 5 % back, but when I asked a Discover representative later for more information they said my purchase was excluded, even though XXXX was not listed under exceptions for the deal at the time. The representative acknowledged that the live site at the time did not exclude the purchase, and said they would investigate further. The next day XXXX was added to the list of exclusions, and I was told I would not receive the 5 % back, so I canceled the charge. Attached is a print out of the original deal before it was changed and a transcript of my correspondence with Discover.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20
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: Their investigation did not fix an error on your report

Complaint:
I have accounts that I disputed that they alsaid are correct but they are not. The dates are wrong. Under the FCRA they are to investigate and report 100 % accurate info. How was it accurate if the. Last reported date is wrong and last activity date is wrong. These accounts should be deleted for in accurate information.

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