BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-11
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have a personal checking account with First National Bank of PA. Their corporate office is located in XXXX , PA. 

Three weeks ago I wrote to them telling them to close out my checking account and put my line of credit on a billing cycle as I was moving and it was difficult to bank with them. By example when you call their customer service number, you are put on hold for 10 minutes at a time, each of the 5 times that I have called. When I call their XXXX XXXX branch in XXXX, PA., it rings busy all the time. 

When I mailed them the letter 3 weeks ago, I monitored my account and it was never closed out and I never got the mailed monthly billing for my line of credit. 

On Friday XX/XX/2016 I went to their branch in XXXX XXXX on XXXX XXXX. Stood around for 15 minutes and was turned away when the branch manager told me she had to go pick up her " kid '' and a teller would help me. The teller took my name and contact information and said that the girl that just left would call me on Saturday. Since my account was currenltly housed at the XXXX XXXX location, she said that the manager would also call me. Saturday came and went. Monday they were closed. On Tuesday, I called the XXXX XXXX branch and it was like I was talking to the man on the moon. Finally, they told me I had to call XXXX, the branch manager at the XXXX XXXX store. I called that number 14 times in a half hour period and it was busy. 

On XX/XX/XXXX try, I got a teller who listened, took notes and was going to have the assistant branch manager call me. The branch manager was out. 4 hours later no return call. 

Here is the crux of my complaint. The bank did not close out the account and put me on direct billing. There was about {$75.00} in the unclosed account, and the automatic payment overdrafted my account by {$4.00}. Then in 5 successive 3 day periods, I was charged {$12.00} per 3 day period for an overdraft that the bank created. I got no emails, letters or anything. When I talked to the branch I asked them to close out the account and refund the overdrafts. I also wrote a check for {$1000.00} and applied it against my line of credit. So far the bank has gone dark, not returned my calls and is probably charging an overdraft fee every 3 days. Coincidently, if the bank would have closed the account, I would n't have overdrawn the account and would have made a payment within the grace period of the loan. 

This bank has no moral compass and they seem to delight in XXXX the customer at every opportunity. This is n't the first time I have had to deal with their egregious management style.

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 2016-05-12
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo wo n't honor a line of credit that was supposed at prime rate and no 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 explanation
Consumer complaint received 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine, and some of my accounts where reporting late payment history which are incorrect I sent your bureau multiple dispute letters in regards to the below accounts on XXXX, XXXX, XXXX, and XXXX. To date, I have not received any investigative results reports for any of the above dispute letters which currently are all in violation of the FCRA bureau response deadline guideline. 

I had filed an Identity Theft report, refer to the attached POLICE REPORT. Please be advised I have a {$450000.00} home purchase in escrow pending but it will be cancelled by XXXX unless these accounts are not immediately deleted and the other accounts are not amended. I would prefer this to be handled without any financial damages and litigation.

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 2017-01-13
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
my account went into the negative because of an overdraft, however i was never notified of the issue. i went to use the card around XXXX time and realized there was a issue at that time upon looking into it i realized there was a overdraft charge and it was in negative. 
on XX/XX/XXXX i revived a overdraft fee of XXXX however i was never told there a issue prior to this event happing or charge being placed. i contacted branch in mcadoo, pa and spoke to a XXXX who said he would look into it. upon me calling back he told me to contact costumer service who i called and they told me the prob. that i was never notified was because alerts were not working and that " IT '' was working on it but it was a known problem ( i have call recorded ) and that also dueing holidays and anytime the bank is closed for holidays no alerts or account notifications are sent out so if i have alerts setup on my account i will not receive any alerts dueing that time if everything was working, but again the alerts we not working. i contacted XXXX back and told him i should not be charged because i was never notified in attempt to fix the issue before charge and that i was told the alert were not working, customer service also said they would call and tell him as well. However the bank decided to keep the charges there and additional charge me XXXX as follows. ( XXXX on XX/XX/XXXX. then XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) thats a total of XXXX on XX/XX/XXXX alone. XXXX as overdraft fee and then the XXXX as auto overdraft fee. 
I SHOULD NOT HAVE TO PAY ANY OF THIS AND SHOULD BE DUE A REFUND OF THE ENTIRE AMOUNT OF XXXX IN FEE 'S BECAUSE I WAS NEVER NOTIFIED, I TOLD BANK IT WOULD BE HANDLED BY DIRECT DEPOSIT, AND CUSTOMER SERVICE SAID ALERTS NOT WORKING AND I WAS NEVER NOTIFIED BEFORE THE ORG. XXXX CHARGE THAT A PROB. WAS EVEN ON MY ACCOUNT. 
THE BANK FIELD IN DUE PROCESS OF NOTIFYING ME AND I HAVE FULL ALERTS SETUP ON BOTH CELL PHONE, AND EMAIL AS WELL AS ON THE BANKS MOBILE APP. AND I NEVER GOT ALERT OR NOTICE. IF I GOT AN ALERT OR CALL I WOULD HAVE CORRECT IT IMMEDIATELY AND NO OVERDRAFT CHARGES WOULD HAVE HAPPENED i have 100 % all calls recorded and documented..

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 2016-03-22
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Over the past year I received numerous letters regarding an alleged debt, In addition to phone calls. This company or individuals have been Continuously harassing me in regards to the alleged debt. In my attempt to put an end to these harassing letter I responded that I do not owe this individual or company any money. However, as soon as I responded to one company I receive a new Collection Letter but from different company but in the attempt to collect the same ALLEGED DEBT. I can not continue to respond to all these letters because it seems that this would be AN endless effort on my part

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In early XX/XX/2022, I received a credit alert of a Debt Collection on my credit report. It was for an energy company called XXXX XXXX XXXX for {$140.00} being collected through a company called Transworld Systems , Inc. I disputed this account since I had no knowledge of it and believed it to be fraud. All three disputes went through successfully. I froze my credit shortly after. 
Then on XX/XX/2022, I received another credit alert of yet another Debt Collection on my credit report. It was for a different energy company this time called XXXX XXXX XXXX XXXX for {$360.00} being collected through the same debt-collection agency, Transworld Systems , Inc . I disputed this report for error on all three company websites and also place a Fraud Alert with all agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Experian Information Solutions Inc.
State: OH
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:
ON XX/XX/2020, I PAID XXXX XXXX IN FULL TO CLOSE MY ACCOUNT. ON XX/XX/2020, XXXX XXXX REPORTED MY ACCOUNT AS CHARGED OFF TO ALL THREE MAJOR CREDIT BUREAUS.

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 2015-10-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Currently I am a New Jersey home owner facing difficulty involving my mortgage company in obtaining a loan modification. This all started in 2011 when the present mortgage company purchased my loan. After continuous failure to achieve this goal and contacting various credit counseling agencies for assistance they continuously keep dragging their feet and finding loop holes. The latest issue is having their appraisal company perform an appraisal on my property, whose composites where more than half a mile or better away and valued at less than half of another reputable realty company with composites in my immediate area.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My payment went from XXXX $ to XXXX $ in one month. They claimed it was an escrow analysis and said my insurance rate doubled. So I asked what would bring my payment back down. They said if I could change insurance. I changed from XXXX to XXXX insurance. My old insurance was around XXXX $ while my new insurance is XXXX . I had been told this would bring my monthly payment down. I just filed for a new escrow analysis and my monthly payment is now XXXX . I asked why and they keep saying my escrow is in a negative. My escrow was ( XXXX $ something ) before I switched insurance. It is now XXXX $ I do not understand how my mortgage can INCREASE after I paid off some of the escrow. I also have some phone recordings with my stating and them verifying this should lower my payment.. 

I have included XXXX phone recordings that show the entire intention of me doing this was to lower my monthly payment. I make mention a few times about how my account increased and I want it to decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called everyday to Collect debt impersonating synchrony bank.

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 2022-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I schedule a payment to XXXX XXXX auto account for XX/XX/XXXX, money was available in my account for this payment. the payment was sent via Bank of America Bill pay dept on XXXX, XXXX but for some reason, the payment was held by the bank of America and posted to my checking account until XXXX, XXXX causing 6 overdraft fees ; BOA admitted to the error but refuse to refund me the overdraft fees. I spoke with Supervisor XXXX and several other reps who did not resolve the issues. I received an email from BOA admitting to the error but they are not willing to refund the money

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 2017-05-26
Company: Navient Solutions, LLC.
State: FL
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:
Navien  t 1 ) The principal amount is wrong.
2 ) The interest calculated is wrong.
3 ) The company refuses to provide a detailed explanation of the amount.
4 ) The company charged interest and penalties while I was enrolled in school full time.
5 ) The company reported the student to the credit bureaus as a personal loan.
6 ) The company refuses to provide an address to a written dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent three certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section.
2. Failed to provide a copy of the original contact bearing my signature.
This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item.
Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

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 2022-03-23
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I make de posit on my. Citibank accounts but. They never. Let me. Use the. Money. They close my. A counts. But my account has money 's what i need. To use to pay my bills and use to do my work. And. They. Dont want transfer to my bank account. They hold my money one of the bank account has. {$75000.00}

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 2020-03-13
Company: HW Holding, 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: Their investigation did not fix an error on your report

Complaint:
Hello, So I have a collection agency Hunter Warfield and XXXX   refusing to remove a collection on my record that is not mine. All other reporting agencies have removed this fraudulent collection. XXXX   is still illegally trying to collect from me. I live in a state with another with a similar name, XXXX XXXX. I looked further into this and the account looks to be owed in full by a XXXX XXXX. I did not live in this home. I have never received any type of notice that a collection was being placed or needed to be paid. I found out about this by looking at XXXX XXXX. I have tried to resolve this with both XXXX  and Hunter Warfield. But they refuse to listen or look further into it. This collection is not mine and is the reason I am currently homeless and unable to purchase or rent a home. I can provide a lease to show I was not living in this home at this time.

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 2022-07-17
Company: Exeter Finance Corp.
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im a federally protected consumer, and I am making this complaint against Exeter Finance LLC. for committing identity theft. I have never given Exeter Finance LLC. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Exeter Finance LLC. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Exeter Finance LLC. continues its collection efforts, I will file for litigation for actual damages caused and Exeter Finance LLC. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: BlueChip Financial
State: IN
Product: Payday loan
Issue: Can't contact lender

Complaint:
I am receiving suspicious calls from a company saying that I owe money from a payday loan. They are constantly calling leaving threatening voicemail messages. They say that they are going to serve me papers to sue me for check fraud. I asked them to send me written verification by mail. They refused. They wo n't give me any legitimate information. No full company name, no mailing address. The phone calls coming in are from numerous numbers.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Dynamic Recovery Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I am a XXXX worker, employed through a staffing agency. My supervisor at the client company received a debt collection call. She said she 's received several calls before and gave me the telephone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Please be advised this is my SECOND REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 
XXXX 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