BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-12
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Over 3 months ago I submitted a loan application with PNC Bank, the process has become a complete nightmare. This situation is affecting economically and emotionally. When I first contact PNC Bank I stated that we needed to short sale a property to a family member. PNC agreed and they let us continue with the process. Upon initial review, they stated that financial situation for the borrower was in order, that the debt to income ratio was satisfactory. When they ordered the appraisal, they assured us that the loan was on track and there were no issues. We paid them {$600.00} for an unnecessary appraisal, unnecessary because the short sale amount was vastly under the value of the home. The appraisal came back and showed water damage to the home and the appraiser incorrectly stated that this was due to a plumbing issue. We had a plumber verify that this but PNC required complete repair of the bathroom before closing. We spent over {$50000.00} for this repair. Then PNC had the borrower purchase home owner insurance prior to closing. Once that was complete, PNC still did not set a closing date because no one ordered a title search. This delayed us further and further. Upon receipt of the title search, PNC began to make an issue about the short sale of the home to a relative. We continued delaying and delaying as we provided more and more requested documents and information. Once this was finished, underwriters decided that the borrower was never making enough money for this loan. Now the last request from underwriters is to have the borrower pay off his primary mortgage in full and increase the loan amount ( undoubtedly to have PNC receive a higher return on this loan ). This payoff amounts to almost {$73000.00}! In addition to close to {$8000.00} in costs incurred for inspections and repairs for a home valued much higher than the short sale amount, they now require another {$73000.00} to be spent before they even consider this loan. None of these requirements were ever pointed out when we initially began this process. 
On top of all the expenses that we had, because of all the delays that PNC caused, another {$7000.00} in costs must be considered due to the increase in short sale price and court costs.

Company response to consumer: Closed
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX **** XXXX XXXX XXXX {$2100.00} **** This is a FCRA law violation. I was never late. 

XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2020-04-21
Company: LoanCare, LLC
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:
A late payment showed up on my credit report from Loan care on XX/XX/2020. We are current on our mortgage payments. I spoke with a supervisor who stated she wasn't sure why there was credit reporting done today for a XXXX payment. Do to the COVID-19 pandemic, negative credit reporting shouldn't be reported. We even sent them a screenshot of the credit reporting. They said it shouldn't have been reporting during this time. but we need to have it reversed.

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 2021-01-06
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The week of XX/XX/XXXX, I spoke with a representative at Santander Consumer USA regarding a large payment onto my automobile loan. I explained to the representative the payment was for any late fees, current month payment in future payment. I explained that the payment was going to be in the next couple days and he told me he was going to notate the account. On XX/XX/XXXX, I called back to make the payment. I tried to make the payment for {$4200.00} one-time and the representative told me the payment had to be split into 2 payments. The payment was successful. 


In XX/XX/XXXX, I was checking my credit report and noticed I was reported for a late payment. When I called the automated system said no payment was due. When trying to reach a representative the wait time was extremely long and was locked out of my online account. 

I spoke to a representative today ( XX/XX/XXXX ) and I explained what happened. He acknowledged it was a mistake on Santander behalf and the previous representative did not apply my payment to the future payments and it was entered incorrectly. The payments went to the principal balance of the account. He requested for the balance to go towards the balance and to call back in 2-3 days to see the outcome.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
Company: Comerica
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/XXXX I was to receive {$790.00} ( retirement ) and on XX/XX/XXXX {$770.00} SSI. Once my SSI was deducted I received {$23.00} as my monthly SSI/XXXX  payment. This left me awaiting my retirement money which I am told is on a different debit card with a different card number. I have tried and tried to call DirectExpress and resolve this issue and I get nowhere. They say they need to transfer me to someone else and every time it only gives me the original menu for the wrong people. 
I have been able to find out that the retirement card starts with XXXX and ends with XXXX. Also I have an account number XXXX and possible tracking number of XXXX. I have this info but I can't even get to talk to someone to use it.. I have tried for nearly a week.. It's possible it got sent to an old address.. I called there and they don't have it or it may have been sent back. BUT again, I can't talk to someone to do a search or tell me something tangible. I really hope your agency can help me.. My rent is over due and I'm looking at being homeless which scares me.. Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Trojan Professional Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have made every attempt to dispute this account with both XXXX and Trojan Professionals. XXXX stated that Trojan Professional verified this debt. It will be impossible for Trojan Professionals to verify a debt that do not belong to me. I have not received anything from Trojans with regards to this debt. So they are in violation of the FCRA. Please assist me in getting this matter resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I initially acquired this mortgage through XXXX XXXX XXXX. during the months of XXXX owning this loan, XXXX XXXX XXXX made an error with my escrow account which once I had CFPB involved, ( They forced place HOI on me while I had correct HOI ) the remove all late payment and accepted fault and remove all late payments from my credit report. 

Shellpoint mortgage then acquired this loan and I am having the same issue with Shellpoint mortgage. I had to pay my own taxes for the period ending XXXX of {$2500.00} and while still escrow monthly. 

Shellpoint completed a new escrow analysis and is coming up with a total escrow monthly of {$640.00}. whereas my annual taxes is {$3200.00} and Insurance is {$1400.00}. 

I called the county where I live and verified that the taxes for 2020 would be {$3200.00}. and spoke with my insurance company who indicated my new annual premium is {$1400.00}. therefore my total taxes and HOI would be {$4600.00} / 12 = {$380.00} monthly. 

Shellpoint wants me to escrow for $ XXXX monthly. at the end of their analysis, they came up with escrow shortage of {$1300.00} which I called shellpoint and paid off the complete shortage XX/XX/2020. 

Although I made the escrow shortage payment, shellpoint is still making me pay for the total shortage over 12 months. 

the concern I have is ; A ) I was denied waiving escrow as they are claiming I was delinquent in the rent 24 months which I was not. am not delinquent and paid my monthly escrow + had to pay my full simi-monthly taxes to county of {$2500.00} in 2020.

B ) Shellpoint came up with an escrow shortage of {$1300.00} which I paid in full and shellpoint still charge me a higher monthly escrow and did not credit the {$1300.00} to offset the escrow shortage. 
.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: Southwest Credit Systems, L.P.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I Had an account with XXXX for over 12 years. Their service began to wain, so I switched carriers. My account at that time was in good standing and had not been under contract for many years. I paid the balance from the store of my new carrier when they swapped my number to the new phone. A few years later I began getting calls saying I owed them money. They have refused to provide proof. After a few collection agencies, it was sent to Southwest Credit Systems. I told them I don't owe them money and I'm not going to pay. they made calls to a few family members threatening " legal action '' and continue to call me after I told them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Second time Ive received a letter saying I owe for an apartment that Ive never rented out this time its with XXXX XXXX XXXX Ive called the communities property and they said its gone to collection saying I owe XXXX and Ive been living in my house since XXXX XXXX no need to rent an apartment. This the second time my identity have been stolen I still have police report from the first time and I will be getting another one for this time. I no longer use the last name XXXX Ive been married since XXXX XXXX my new last name is XXXX. Never even been to that side of town or area

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 2020-03-14
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Im XXXX XXXX, I would like make a claim against Wells Fargo bank. On XX/XX/20, they sent me email telling me that they was going close my account on XX/XX/20 due to transfer money into my savings account. I already put {$300.00} in my savings for me to go on vacation as of this year. So I called them back they told me called loss provenction. I called them, and ask why are you closing my account an they said that it was unorize that I had wire to much money, and to be taking money out of my account and putting money in to my account. So thats reason they are closing my account. So I told lady that was fine, that I will be taking my money out of bank, I will be banking some were else. She also said they had put hold on my account. On XX/XX/20, my employer ( XXXX XXXX XXXX  ) did a direct deposit in the amount of {$380.00} in to my checking account. It had posted to my account at XXXX XXXX. I had money in my account when I left work. I paid XXXX auto insurance on that day. In the amount of {$130.00}. Everything went thru and had balanced of {$240.00} left in my checking account. Later on that day I went to Roses express store to used my debit card in the amount of {$23.00}. I also went get food. I also used my debit card there in the amount {$9.00}. On XX/XX/20. I decided to go to bank to get some money out when I notice I had a negative balance of {$140.00}. I call Wells Fargo customers services an I told lady what happened to my money that was in my account she said that were no deposit made in my checking account. I told her there was deposit of {$380.00} that was deposited on Friday, cause I get paid every Friday my money goes into my checking account. She claimed that was no money in my account. I have proffered that money was there. I get text messages on my phone stating when my direct deposit is posted into my checking account, and the time it is in there. I also have copy of my pay stub from my employer deposit money into my account.

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
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I WAS PROVIDED WITH A XXXX  GIFT CARD FOR {$100.00}. TO MY KNOWLEDGE THE FUNDS ON A GIFT CARD CAN NOT EXPIRE. I HAVE CALLED XXXX  7 WEEKS IN A ROW. I CONTINUE TO BE TOLD, CALL BACK IN A WEEK AND WE WILL PUT A REQUEST IN FOR THE FUNDS TO BE REIMBURST. MY FRUSTRATION LEVEL IS 10 OUT OF 10 WITH XXXX. IS THERE ANYTHING ELSE I CAN DO OTHER THAN CONTINUING MY WEEKLY CALLS TO XXXX  AND HOPE WITHIN THE NEXT 10 YEARS THEY GIVE ME BACK THE MONEY OWED. 

THANK YOU 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 2020-03-14
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018- XXXX XXXX in the amount of XXXX this debt is not mine. I have disputed it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: Shellpoint Partners, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Did not receive escrow after refinancing with another company. My Loan is XXXX. My Insurance company XXXX informed me they returned the insurance escrow payment ( {$810.00} ) to NewRez but NewRez never returned the escrow overage to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: PNC Bank N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
The numerous lawsuits, federal mandates, and horror stories from customers unable to feed and clothe their children has not stopped PNC from unethical accounting practices that maximize their fee collections. I was giving PNC one last chance in the first quarter of 2015 to prove to me like their representative said that they have changed their practices. However, I ran into an issue with my paypal account which resulted in a number of fees. But this was n't even the start - they have gone so far as to execute unauthorized transfers from one account to another without my knowledge that caused over {$200.00} in fees just in this month of XXXX. Each fee is {$36.00}, with an additional {$7.00} a day each day that the account is in the red. From XX/XX/XXXX, I have deposited over {$40000.00} to them, which under many circumstances would make me a relatively valued client. All they seem to see is an easier chance to move money around from account to account without the client noticing. From the XX/XX/2015 until XX/XX/XXXX, I have paid {$2400.00} in fees alone. Thankfully I am blessed and have a well paying job, but there are alot of people out there whose children would n't be able to eat. This has gotten to the point where I am struggling financially now because of their deceptive practices. I would like for the vast majority of fees to be returned, and then for myself and a PNC advisor to sit down and figure out what we can put in place to eliminate all future fees. If this can not be done, I will unfortunately have to cut my 6 year tie with PNC and move on. But it is blatantly obvious what they are doing is wrong, but the fee revenue far outweighs the puny court mandated fees. The system is flawed and attention must be brought on this subject. PNC is a catalyst to Poverty. How can you just take almost {$2500.00} of some ones hard earned money?? Bottom line is that they have used unethical practices to maximize their fees. I have bank statements that show each move and have identified each unlawful fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2021 I deposited a check for {$7000.00} from my corporate account to my personal account at Bank of America at the ATM machine and it registered as {$70.00}. I immediately checked online to my account and it also showed only {$70.00} was deposited so I called the bank and they said it shows {$7000.00} was deposited but there is a hold on the check until XX/XX/XXXX. I have been with the bank for over 40 years and deposit this large of a check monthly. The person I spoke to said she would file a report about the ATM machine but the correct amount was showing on their end which was a lie. The next day I checked online and it showed a new deposit of {$6900.00} to correct the {$70.00} deposit that the B/A employee lied to me about.the day before and the hold was still on the check even though they had the funds and the check had cleared my bank. Today, XX/XX/2021 I called back to Bank of America after I confirmed the check had cleared my bank and spoke to XXXX in their call center about the hold on my check. She said she can refund two of the four {$35.00} fees for overdraft but I would need to call my corporate bank as they may have held the funds. I told her no Bank of America knows the funds are good. I then called my corporate bank and they confirmed the funds and check as always are good and cleared. When I called back to Bank of America I spoke to XXXX who transferred me to XXXX, her manager who said they will not refund the other XXXX {$35.00} fees as they have a right to hold any paper check and as a customer I have agreed to those terms. I then asked to speak to his manager XXXX who was just as rude as XXXX and he said no " it is my loss and I must pay the other two {$35.00} fees '' and " they did me a favor by crediting XXXX of the four. '' I want my {$70.00} fees removed and credited back to my account. Bank of America not only lied to me about the ATM mistake but held funds from a check that they know is more than good. They would not even call my corporate bank operation manager to verify how much money I keep in that account or that the account had more than enough to cover a check I deposit each month into their Bank of America account. Bank of America has my history for 40 years and to charge me fees when they put a hold on my account and check is criminal.

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 2016-08-18
Company: BMW Financial Services NA, LLC
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I returned my mini cooper XXXX on XXXX/XXXX/XXXX and was recently contacted by MINI that upon my lease end inspection I owe a staggering amount of money. They charge a flat fee of {$750.00} for having the service light on even though I took my car in for its annual service and was only within XXXX miles of needing service. I did not even know the service was due having had gone into the digital menu to check. They charged me {$950.00} for external " hail damage '' to my car, the pictures that were provided do not clearly show the " damage ''. Since getting my yearly inspection I would think my tire tread would have been checked and replaced if not having met requirements but instead they charged me {$200.00} because my tire tread was not thick enough, even though I was significantly under my mileage requirements. I believe I am overpaying and will have a hard time affording this extra monthly bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Collection Associates, Ltd.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Collection Associates reported on my credit an amount owed of {$1000.00}. I am currently making payments as a agreement. I called them to verify the balance and is still at {$900.00}. So far I have paid them {$650.00}. They told me that the original balance was XXXX which is not correct. My credit report clearly shows {$1000.00} which was reported by them.I know I owed on the account, but they are overcharging. Anything that can be done with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Will you please help me this case about unauthorized transaction. 

The bank end XXXX is belong to XXXX, i dont know who is that person. 

I told is not my bank. 
I need help XXXX Transaction id XXXX XX/XX/2022 Total amount transferred {$4700.00} USD Bank account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My name is written wrongfully in multiple ways. 
The wrong employer appears to be on my credit report There are multiple addresses on my file where I do not reside at. 
Incorrect cell phone information There are MANY hard inquiries on my report that I never consented to.

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