BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had XXXX rental properties trying to save them I filed a XX/XX/XXXXbkpt & XX/XX/XXXXbkpt to try to save my houses. I did not go through with either one of them I paid {$150.00} for each bkpt the house XX/XX/XXXX I lost the house & it went into foreclosure the attorney never showed up in court he took my money & run. I GOT HIM DISBARED. XX/XX/XXXX the house that has been going on for about 6 years I decided to claim bkpt again to try do a loan modification keep the house. I under stand that when you claim bkpt & you go thru with the program it goes on your credit report & I agree with that. But if you do not go through with it & it is dismissed I think it is a little bit of discrimination when you do not go through with it. That is my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TRANSUNION SHOWS COLLECTION ACCOUNT THAT BELONGS TO XXXX XXXX. I CALL THE BANK TO GET PROOF THAT ACCOUNT BELONGS TO ME AND THEY BOUNCE ME OFF TO SOME ONE MAN OPERATION WHERE YOU CAN ONLY LEAVE A MESSAGE. FINALLY MESSAGE GOT RETURNED, THEY SAID THEY SOLD IT TO ANOTHER COMPANY. I CALLED THAT COMPANY, AND THEY ARE BROKERS WHO SAID THAT WILL HAVE SOMEONE CALL ME BACK WHEN THEY WILL FIGURE OUT WHO THE NEW ACCOUNT OWNER WILL BE. IT ALL LOOKS LIKE A SCAM!! I ASKED XXXX TO GIVE ME PROOF OF ACCOUNT OWNERSHIP ( I SPOKE WITH XXXX ON XX/XX/2016 AROUND XXXX EST, CALLED AT XXXX XXXX XXXX, AND ASKED RECOVERY DEPT ) AND THEY REFUSED TO ASSIST. I SAID WILL COMPLAIN TO CFPB AND THEY DID NOT SEEM TO CARE 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 non-monetary relief
Consumer complaint received 2015-12-10
Company: PNC Bank N.A.
State: MO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
This complaint is about bank/financial services during a real estate transaction ( not a bank account ). On XXXX/XXXX/2015 I entered into a contract / purchase agreement to buy a home ( XXXX # XXXX ) at XXXX XXXX XXXX in XXXX XXXX ( XXXX XXXX ), XXXX. PNC Bank National Assoc is the Seller who was represented by Service Link ( a XXXX XXXX XXXX XXXX company ), XXXX XXXX XXXX, VP Operations & Client Relations. After conducting home inspections ( {$510.00} ), Buyer and Seller signed Amendment to Sale Contract on XXXX/XXXX/2015. Also, {$1000.00} Earnest money was paid to XXXX XXXX XXXX XXXX ( XXXX, XXXX ) - XXXX XXXX XXXX, REO Sr. Closing Coordinator. On XXXX/XXXX/2015, the Day of Closing, the Seller 's listing agent informed Buyer 's Agent that Seller would not accept the XXXX/XXXX/2015 agreed amount, wanted an additional {$2000.00}, and implicated that Buyer cancelled contract. The house was put back on the market as of XXXX/XXXX/2015. To date I have requested but not received a refund of my {$1000.00} earnest money and the {$510.00} spent on inspections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: FIRST NATIONAL BANK OF OMAHA
State: MN
Product: Credit card
Issue: Billing statement

Complaint:
I had a First Bankcard ( XXXX ) credit card that apparently has changed to a Union Bank credit card in the last couple of months. I was only notified of this change after it occurred and I received a new Union Bank credit card in the mail. I have since had alarming communications from Union Bank that I was told yesterday by Union Bank customer service representative did not come from Union Bank ( even though it appears that they did ). I have received two mailed notices from Union Bank that my account is past due, despite the fact that I made regular, automatic, online payments. When I called customer service, at first I was told that the system changed and that the online payments were abruptly cancelled without any notice to me. I was ( and still am ) unable to login in to Union Bank 's website ( nor am I able to login to First Bankcard 's website ) and in three calls to their customer service line I have been told that there is nothing they can do to help me. ( Indeed, there has been an acknowledgement that I am unable to login and an absolute refusal to remedy the situation. ) This has made me extremely suspicious. Even though I ca n't access my account online and I have not received paper statements for the last two months, I received two fraudulent past due notices. The only way I can check on the status of my account is to call the alleged customer service number on the back of my Union Bank credit card. When on called on XXXX XXXX, I was told that I had a payment due, which I made over the phone. The customer service representative ( on XXXX XXXX ) asked for my full social security number, which raised more alarm bells. After I made this payment, I received another past due notice yesterday, dated XXXX XXXX, saying that my account was 47 days past due, despite two payments made during this time period. The letter contained a " collections '' number that I called and immediately got hold music with no answer and no identifying information. I then called the number on my credit card and was told that my account was current and there was no record that anyone at Union Bank has ever sent past due notices. 
I am very concerned that Union Bank has either mishandled my personal and financial information in such a way that I am being targeted by fraudsters, or that Union Bank is so inept at managing my information that they are unable to send me accurate information regarding my account. I am in the process of closing the account and have registered complaints to Union Bank 's customer service and fraud departments. I have received no communication regarding the status of my account in response to my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I had a loan through XXXX student loan, and they transferred my loan to another company XXXX. I have never been late on this loan. I disputed this a year ago with Transunion and they never removed it from my credit report. It has been removed from they other XXXX credit reporting agencies. I would like this removed due to the fair credit act. Thank you for your help on this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
i been trying to have this debt validated last sent a validation letter to credit agency XX/XX/2016 and yet to receive any validation documents or deleted 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
Consumer complaint received 2016-07-13
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my mortgage with PNC Mortgage XXXX XXXX, 2016. After checking with the XXXX County Recorders office as of XXXX XXXX, 2016 there is no record of a release of mortgage. I think six weeks is more than enough time to file the paperwork ( which I already paid for ).

Company response to consumer: Closed
Consumer complaint received 2016-01-24
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is with PNC, and I attempted to log in to my account online, and after 2 password attempts, I was locked out. This is ok if there was someone available Saturdays and Sunday 's to unlock my account, so I can get my XXXX Forms for taxes, which I can not do during the week. 

This is the 3rd instance with PNC password reset failed to provide adequate support for gaining access to MY online account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX My bank account with PNC was frozen and -XXXX dollars to which i did n't even have XXXX in it. I inquire and find out they said it 's a Bank Lien from a company called XXXX XXXX apparently based in XXXX XXXX. There is a long story to it so to shorten this, I am a victim of Fraud in XXXX XXXX ( i just found this out today ) PNC here in XXXX should have never processed the lien as it was fraud docs as well as being expired. I lost 2 days of work over this and had to work with the Court in XXXX and PNC Garnishment department to get this resolved asap as I need to pay mortgage and my wedding on XX/XX/2016. I was successful with getting the funds released but am not concerned as to why my bank was not able to protect me in this and with the documents they received as I 'm told should have never been processed from the start and I want answers as well as anything i would be entitled to in this. I probably may need to go to XXXX for a court hearing at some point. None of this happened in my state of residence XXXX the lein was sent to my XXXX address when i was in the service to which i have not lived in XXXX since XX/XX/XXXX. Please contact me to review and/or help me through this ordeal I just went through b/c at this point i no longer trust Banks if they could n't protect me from a " supposed '' government entity ad well and not XXXX government.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Optimum Outcomes, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
While reviewing my credit files. I noticed a collection from Optimum Outcomes. I have never had any contract with this company. I have written to them several times to send me validation of said debt and have received nothing. Their negative information is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: PNC Bank N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX/XXXX/2015 at XXXX I withdrew {$240.00} out of my checking account. the AtM receipt said that I had {$1.00} available in my account the next morning at XXXX I recieved a email stating that my account was overdrawn on XXXX/XXXX/2015. I called the telephone banking center at around XXXX XXXX/XXXX/15 and spoke with a customer service rep. she could not give me a reason, as to why my bank account was overdrawn except that I had withdrew the money out. She told me to take my receipt when I had some time, into a branch so they could look over and explain what happen and reverse the fees. On XXXX/XXXX/2015 I stop in the branch close to my home. I explain to the teller what had happened and showed the the receipt to the teller, so the they could see the mistake was on their end and they need to reverse the fees. the teller told me she need to get an approval from a supervisor, she came back and introduce me to XXXX XXXX XXXX Branch Manager who look over my entire account and notice that PNC had to reverse fees in the past for mistakes on their end or just over charging in fees not more than a month prior XXXX for a overdraft of XXXX he then told me he was not going to reverse the fees because the system does n't always reflect the correct amount that 's in your account and that I should have keep a written log of my spending. I showed him the receipt again and ask " so I 'm not suppose to trust what your receipt printed out of your machine I should have kept better bookkeeping and this is my mistake ''? I asked for the printout and who was his supervisor he told me " no one could change his decision '', I replied " are you trying to be difficult, I just asked for your supervisor number ''. He then wrote on the back of his business card XXXX XXXX name and number I put my items back in my purse and left the branch without any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Alliance One, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received a dunning letter from AllianceOne Receivables Managment , Inc ; that derived from a traffic situation. They said that they were a debt collector, I confirmed under 15USC 1692 ( a ) ( 6 ). I requested validation pursuant to the Fair Debt Collection Practices Act, 15 USC 1692G. mailed by USPS Certified mail No. :XXXX. On examining their communication I found that they committed violations of 15USC1692 ( c ) by not having prior consent from me prior to contacting me, this is Identity thief under FDCPA and FCRA XXXX CFR XXXX. No prior consent also violated the Gramm-Leach-Baley Act. Their communication also do n't have the required language pursuant to 15 USC 1692G, there is no miranda on the communication that stated I have 30 days to dispute their claim therefore their communication is considered under 15USC 1692D to be harassment and abusive. In addition their communication violated 15 USC 1692e by making threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: PNC Bank N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
PNC Bank closed me out. Held my money, which made my house payment late. Then after saying they would not do any thing to Uncles account .They closed it with out notice. Now his SS check is in limbo.

Company response to consumer: Closed
Consumer complaint received 2016-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX i disputed XXXX collection account and XXXX inquiries on my Transunion credit report on XXXX/XXXX/2016 i received a letter from Transunion dated XXXX/XXXX/2016 stating the investigation was complete and the collection account was verified but nothing was said about the inquires. I sent a follow up dispute on XXXX/XXXX/2016 stating I did not believe they investigated my dispute and my dispute must be investigated properly and completed within the original time frame. On XXXX/XXXX/2016 I received a letter from the collection agency dated XXXX/XXXX/2016 stating that they could not verify my account right now and they need more time to do so. Transunion violated my rights and falsely verified a collection account and completely ignored the inquiries i disputed with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
PNC manipulated the order in which they processed transactions in order to gain fees they were not due. They then refused to refund the insufficient funds applied on an account which had not overdrawn at all. They cited XXXX instances where they refunded fees. Once was because my husband 's payroll check company changed and they did not notify us until the Tuesday before and it was too late to cancel bills which were scheduled. I was very grateful they overturned that charge. The second time we were overdrawn by XXXX. I did not request they reverse the charges, they did it on their own. The entire correspondence is documented and will be attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
i am filing another complaint so I can resolve the issue on all XXXX major credit report companies. I would like to get this resolved on my Transunion credit report. 

On my credit report, in the public record section it says I still owe XXXX dollars to a said cable company. I resolved this issue over a year ago. I left for XXXX and my wife went and paid the said company. Yet I still owe, and it is causing damage to my credit score. I would like to get this resolved and off my credit report. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
MIDLAND FUNDING HAS A XXXX ACCT THAT I USED TO HAVE. THE ACCOUNT WAS PAID IN FULL AND THE NUMBER WAS TRANSFERRED TO XXXX - I HAVE ALREASDY CONTACT THEM IN REFERENCE TO THIS MATTER AND THEY TOLD ME IT WOULD BE ROMOVED FROM CBR. HOWEVER AS OF XXXX XXXX, 2015 IT IS STILL THERE EVEN AFTER I RECEIVED A LETTER STATING THAT IT WAS TAKEN CARE OF. I HAVE MOVED XXXX SINCE THEN AND DO NOT HAVE THE CORRESPONDENCE NOW. YET THIS IS HURTING MY CREDIT SCORE. NOT TO MENTION I HAVE NOT RECEIVED ANYTHING ABOUT THE BILL SINCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: BB&T CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I returned a lease vehicle to auto mall XXXX in XX/XX/2016 and I made monthly payments to Hann leasing. The lease was for 39 months and I drove the car about XXXX miles. I had a few scratches on the car. I expected to pay something for wear and tear but I received a notice XXXX months after the car was returned for {$2300.00}. I was charged {$1900.00} for paint labor and parts and they indicated I was in a collision?. The car I leased was a XXXX ultima. I would like to pay them a couple of XXXX dollars to conclude this matter. I have read stories on the net they attempt to rip off other consumers with over the top charges. They have an in house mechanic XXXX who is part of this fraudulent charges. My lease was XXXX per month and their charges just happen to be XXXX year of payments. I obtaine the lease thru XXXX XXXX and they obtained the loan for hann leasing.

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 2017-03-22
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have previously filed XXXX complaints asking for copies of the XXXX returned checks for my student loans proving that I ever received these loans and then cashed them. In the XXXX complaint XXXX they submitted XXXX check. In my XXXX complaint XXXX they sent XXXX more of the checks. This means I have received XXXX of the XXXX checks. I do not understand why they have been unable to send all XXXX at once. I would like to receive the other XXXX checks as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Citizens bank deducted {$1300.00} from my joint checking account. When I called they told me it was for an account that was in overdraft since 2007. I have no recollection of this account and wanted proof that i opened it, they said to contact the branch for that. The branch where it supposedly was opened no longer has those records. I have never been notified about this account. I have a joint account and recently opened a business account at this very branch and NEVER has this " bad debt '' account been mentioned. When I spoke with the Branch Manager he could n't find the account in his system. Neither here nor there, they have violated Vermont 's Statue of Limitations. According to the Federal Reserves, Citizen Bank is is not federally regulated on deposit accounts and it automatically defaults to state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My name is being reported incorrectly- It should be 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 2016-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion Credit Bureau has ignored my request to provide me with the document that their company has on file that was used to verify the account I disputed. being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( a ) of the FCRA* they are required to " promptly delete all information which can not be verified '' that I have disputed. Thank you for your prompt attention to this matter.

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