BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-29
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PNC Bank has taken over the servicing of the loan on my home that I live in. They are refusing to provide me monthly statements as I received from the previous loan holder. I have several other mortgage loans I received monthly statements on without problem. I am also a licensed XXXX XXXX XXXX and work in XXXX XXXX. It is important to me to be notified of my current monthly standing with my loan. I want to verify my payment was received and the funds were correctly applied. I frequently pay more than the amount due and have seen it incorrectly applied in the past. I also want to be up to date on my tax and insurance payments. I have read online the Dodd-Frank act made these notices a requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: QC HOLDINGS INC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Company XXXX XXXX XXXX XXXX XXXX contacted me from XXXX to state that I owe a payday loan but they could not collect because I filed a bankruptcy so now they are trying to file charges on bad check because they could not collect the money because I filed a bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Absent any reason for its decision, CHASE bank will not open a checking account under my name. I do not owe CHASE money and I never abused CHASE account or conducted unauthorized or suspicious banking activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: Byrider Franchising, LLC
State: MA
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:
Deceptive practice, illegal repossession. Filed complaint with Attorney General. False reporting to credit as " involuntarily repossession ''. Falsely repossessing and breaching terms has been filed with AG Office. Credit agencies all show my credit as XXXX less now and with incorrect comments. Despite XXXX XXXX lawsuit of JD Byrider by MA AG, the company is still deceiving consumers and now I am without my vehicle despite following terms of my loan, resigned from job of 2 yrs and left homeless. Upon refusing to return car stolen and illegally repossessed, and CNAC, XXXX XXXX XXXX XXXX XXXX, and JD ByRider breaching loan terms, XXXX XXXX hung up on me, and within 5 mins reported to all credit agencies indicating " involuntarily repossession '' despite knowledge and video taped by my home cameras the 30 minute conversation with the PI where I handed over my keys. I attempted to pay what was owed, all well within my loan terms the following 3 days and was denied and XXXX XXXX gave reason he owes bank. False reporting with knowledge to credit agencies and refusal to fix despite knowledge written to bank and JDByrider.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, XXXX, I checked my banking activity online and noticed several transactions that I did not recognize. I phoned the SunTrust to report this but live phone representative hours were closed. Afraid that someone may have accessed to my debit card details, I went to the nearest Sunburst and pulled out the largest amount ( {$340.00} ) I could. I tried again the next day ( Sunday ) and found that the bank phone hours were closed but followed the prompts and got a live representative to file the transactions fraudulent and to close out the debit card. 
The representative sent me a Affidavit of Fraud to fill out, sign, and return. I did that, signed on XXXX/XXXX/XXXX, and faxed over on XXXX/XXXX/XXXX at XXXX to the fax number provided. 

On XXXX XXXX, XXXX, I received a letter dated XXXX/XXXX/XXXX from SunTrust that they were closing the account. I did not understand why nor were they willing to provide me with a valid explanation. Later, I found that they denied my claim of fraud. I asked them why and representation would not tell me and said I could send in a rebuttal form. I requested that they send all information on the case along with all documentation and reason for their decision and also that they send me a rebuttal form. I have sent the rebuttal form and have not heard back from SunTrust since. 

I have not received any documentation on the reason why or any such documentation pertaining their decision. After going through old documents, I found all the documentation that I submitted and realized nothing was sent to me in regard to their decision. I called SunTrust on XXXX XXXX, XXXX to request an update. Found out they had closed it out. I have filed a police report with XXXX Police Department ( Report Number XXXX ) and XXXX County Sheriff 's Department ( Report Number 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 2020-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
When I call the number listed for customer service for the Bank of America EDD Debit Card, the call will either route me somewhere and then hang up, or it will simply hang up upon selecting the " lost or stolen card '' option ( which is the only option available when calling XXXX ). This is the only customer service number listed for this type of debit card. They are not answering calls so nothing can be done in the first place. 

Bank of America was supposed to send me the debit card when EDD sent its first payment on the card. However, it has been weeks now, and still no card, no customer serivce to talk to, no money, but much frustration because you can get through to no one. It is almost like they are not answering the phones on purpose. Although the recording says they have a high volume of calls, I have tried calling at various different times including XXXX : XXXX., XXXX XXXX, XXXX XXXX. XXXX XXXX., XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX and XXXX, all ending in the same manner, being disconnected on the other end of the call.

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 2018-01-29
Company: ENCORE CAPITAL GROUP INC.
State: NJ
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:
Three payments of {$840.00} were received by XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in settlement of account ; XXXX agreed to report status of account as " unrated '' to credit repositories. Credit dispute was filed with XXXX and was confirmed on XX/XX/XXXX. 

Letter citing " Pre-Legal Notification '' sent by debt collector, XX/XX/XXXX. Response made even date citing account resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-05
Company: Paramount Capital Group, Inc.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
ok in 2012 my school in XXXX N C XXXX XXXX was a XXXX week course and they set you up for a loan that you will never pay it off. they charge me 19 % interest i didnt know that until i left the company i worked it was XXXX XXXX XXXX XXXX TN XXXX I WORK THERE ALMOST A YEAR. PAYING THE LOAN FOR XXXX DOLLARS A WEEK IN FOUR YEARS THAT WAS A LIE. NOW BECAUSE OF THIS LOAN IT WAS XXXX DOLLARS TRYING TO PAY IT OF SEEN 2012 3 YRS NOW I ONLY GOT DOWN TO XXXX XXXX AND SOMETHING DOLLARS. IT HAS DESTROY MY LIFE COMPLETELY I LOST MY FAMILY I HAVE A SON WHO IS NOW XXXX YRS OLD I LEFT MY WIFE BECAUSE OF THE FINANCIAL BURDEN CAN PAY IT OFF BECAUSE THE INTEREST IS SO HIGH I AM ALWAYS HAVE A MONTH BEHIND I AM ONLY PAYING THE INTEREST NEVER WILL I CAUGHT UP IN PAYING IT OFF. I AM A MALE XXXX YRS OLD MY HEALTH SITUATION IS VERY POOR I ONLY MAKE LESS THEN XXXX DOLLARS WEEKLY I LIVE ALONE IN A APARTMENT PAYING XXXX XXXX DOLLARS FOR RENT THAT NOT INCLUDING GAS BILL WATER FOOD CABLE CAR INSURANCE TAX ETC ETC ETC I AM ALWAYS POOR BROKE AND NO FOOD TO EAT. MY LIFE IS MISERABLE, I NEED HELP THERE IS NO ONE TO HELP ME PLEASE, TELL ME WHAT SHOULD I DO NEXT. AND THERE ARE. XXXX XXXX AND THERE ARE XXXX OF PEOPLE THAT I KNOW ARE IN WORSE SITUATION THEN MY SELF. THESE SCHOOL ARE DESTROYING PEOPLES LIVES. THE LOAN BANK IS PARAMOUNT CAPITALGROUP XXXX XXXX XXXX PA XXXX THANK YOU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-23
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Was on forbearance for 3 years and Navient never indicated that there were other repayment plans available. All they said was to keep applying for forbearance and try to make payment. I accrued a lot interest. Navient was very deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Early Warning Services, LLC
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Tried to send payment through Zelle app. Twice it gave me error codes without sending money to my recipient but shows under actions in the Zelle app that the payment went through. It shows as a pending transaction in my bank. Ive called Zelle twice with no answer why but just told someone will send me an email in 3 business days.Ive called my bank and its a problem on zelle end they said. Zelle can not tell me why this happened and told me to wait on a bounce back to the bank before trying to send the money again. Meanwhile my husband and son still cant get the money. This happened today XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed chapter XXXX bankruptcy in XXXX. The bankruptcy included all my debts including my 1st and a 2nd mortgage. During that time, I decided to keep my home and continue making payments on my 1st mortgage. Last year in XXXX I tried to refinance my home I couldnt because there was a lien on my property by XXXX XXXX. This lien was for the 2nd mortgage that was forgiven by my bankruptcy. I contacted XXXX XXXX  and we negotiated a pay off of {$24000.00}. At that time, I was not able to obtain a loan because of the lack of equity. Recently I have tried again to obtain a loan because I have more equity. I now have a finance company willing to work with me, however XXXX XXXX says I now owe {$45000.00}. I dont understand how they came up with this pay off. During this pandemic I need to refinance my loan due to financial circumstances and XXXX XXXX is taking advantage and is bullying consumers.

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 2022-08-17
Company: Consumer Portfolio Services, Inc.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Received an email in reference to {$630.00} balance due on XX/XX/2022 from a XXXX XXXX. I in turn called and spoke with her stating I would be making a payment of {$400.00} on XX/XX/2022. A hand delivered notice was place on my door this morning XX/XX/2022. No further contact was necessary, I know my rights and they are in violation : 15 U.S. C. 1692b and c and d and e and f 18 U.S.C. 1514 My payment will be made as I stated to them.

Thank you for your time and assistance in this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute regarding an account listed on my credit report by XXXX XXXX XXXX. I stated that there was no Date of First Delinquency listed as required by federal law. I also stated that the estimated month and year this item will be removed : XX/XX/XXXX was incorrect. Transunion claimed they verified the accuracy of the account. This is impossible as there is still no Date of First Delinquency listed, and the date of removal is incorrect. I am including evidence that shows the date of last payment on these accounts was XX/XX/XXXX. Therefore, the removal date should be 7 years later, XX/XX/XXXX. 

Included are two letters from the original creditor. The original creditor was XXXX  XXXX, XXXX and the loans were serviced by XXXX, both names appear on these letters. The letters show that both loans last payment was on XX/XX/XXXX. 

Additionally, when I wrote to the collection agency that currently appears to hold the debt ( XXXX XXXX XXXX ) and asked for verification of the debt. They sent documents Im also including. There is a printout titled Loan History Details that shows no payments made after XXXX. Then there is a document titled Post Default Payment Summary. This document shows payments of XXXX on XX/XX/XXXX for one account and on XX/XX/XXXX on the other account. This might be the dates they went to collection, but as shown no payments were made on those dates.

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 2017-09-13
Company: Franklin Collection Service, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX and XXXX XXXX, XXXX I sent Franklin Collection Service a request for validation of an account they say I owe from XXXX XXXX XXXX. Franklin Collection Service has not respond to both request for validation. Franklin Collection Service placed this collection on my XXXX, XXXX, & XXXX files in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have XXXX private student loans with XXXX, now known as Navient. I defaulted on the loans, and they were charged-off. However, I went into an agreed upon repayment plan of {$100.00} per month. Nonetheless, XXXX/Navient reporting that I was not making payments and continuously made debt collections calls. Last year, on XX/XX/2015, I accepted Navient 's settlement offer of {$10000.00}. My private loan balance at the time was {$25000.00}. I paid {$5000.00} on XX/XX/2015, and the remaining {$5000.00} was to be in monthly payments of {$410.00} to automatically debited from my checking account. I have completed all payments, and now they are saying I did n't have a settlement offer in their records, and the loans are defaulted and charged-off. The balance is now over {$16000.00}. 
Resolution : To mark XXXX private loans as settled in full ; clear their online account summary as settled in full with XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am a federally protected consumer and I am fully aware that Transunion has violated my federally protected rights by reporting inaccurate information on my consumer report, which caused me to be denied on several credit applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: EQUIFAX, INC.
State: MA
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:
Deceptive practice, illegal repossession. Filed complaint with Attorney General. False reporting to credit as " involuntarily repossession ''. Falsely repossessing and breaching terms has been filed with AG Office. Credit agencies all show my credit as XXXX less now and with incorrect comments. Despite XXXX XXXX lawsuit of XXXX XXXX by MA AG, the company is still deceiving consumers and now I am without my vehicle despite following terms of my loan, resigned from job of 2 yrs and left homeless. Upon refusing to return car stolen and illegally repossessed, and XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX breaching loan terms, XXXX XXXX hung up on me, and within 5 mins reported to all credit agencies indicating " involuntarily repossession '' despite knowledge and video taped by my home cameras the 30 minute conversation with the PI where I handed over my keys. I attempted to pay what was owed, all well within my loan terms the following 3 days and was denied and XXXX XXXX gave reason he owes bank. False reporting with knowledge to credit agencies and refusal to fix despite knowledge written to bank and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Sequium Asset Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls, all hours, Do not owe anything to this company, not my debt. Don't know why they keep calling. They are threatening me to report to other agencies and damage my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
This is in regards to a private student loan for which I am a cosigner and is being serviced by Navient. Loan # XXXX XXXX XXXX XXXX. I have explained 5 times to them that I am currently unemployed, i.e. I have no income and no savings to draw on to make payments, but they refuse to acknowledge facts. I am getting very sick and tired of being harassed when it is impossible for me to make any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On XXXX XXXX my wife XXXX due to her " HIDDEN FROM ME '' massive charge card debt. I notified every one of the companies that were a victim of her forgery and fraudulent activities. She shredded every document in this house and gutted our P.C. She robbed the household of our retirement money and was possibly the one that orchestrated the robbery of our home in XXXX of 2014. 
I found out about a Bank of America account as a result of trying to borrow enough money from my credit union for her funeral. Initially BOA had no information about me on record according to the branch bank I visited here in XXXX Michigan. In the spirit of co-operation I gave the person at that bank branch my S.S. number. BOA has now turned all of her fraudulent charge card debt into an account for me. I have had to hire legal representation and told them I will see them in court for a resolution. 
Now in the last two days they have been calling my house by utilizing a recording. My attorney has advised me this is against the law and this is why I am contacting you. 
My attorney has sent them a letter advising them to leave me alone and any future correspondence should be directed to him. They are ignoring it. I do n't need this XXXX after my wife XXXX and gutting this household of most of the finances. They had better stop and it had better be sooner than later.

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 2017-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card
Issue: Convenience checks

Complaint:
I used a convenience check I received in the mail in XX/XX/XXXX to transfer a balance to a Bank of America credit card I already had open. My credit line is $ XXXX and the check was for {$2700.00}. The Bank of America fraud dept called me on XX/XX/XXXX to verify I had signed and sent the check, which I had, and they said it would clear. The same day they denied payment on the check and put a letter in the mail to me, which I did not receive until XX/XX/XXXX, stating the check was rejected because the " signature did not match ''. I ALWAYS sign my signature the same way using my first initial, my full middle name, then my full last name and though I have never written a check to this account before I was not informed on the phone about the signature being an issue - they assured me " everything was fine ''. Subsequently after the checked bounced the other credit company charged me {$25.00} returned check fee. I suspect this also put a ding in my credit with them. I called Bank of America and requested they refund me the {$25.00} but they denied any wrong doing, despite there being a written record of them speaking to me and approving the check. They said I could resubmit the check within 10 days and they would honor it but would not compensate me for their negligence in the spirit of " protecting me against fraud ''. This horrible customer service cost me {$25.00} and a day missed at work due to a XXXX and they do n't seem mind the trouble it caused me at all.

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