BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I saw an Capital One credit card ending with XXXX under my name with outstanding balance for {$2800.00}. I do not recognized this credit card. I think someone was used my name and SSN applied for this credit card and used without paying. I did n't notice until this morning I checked my credit report. This outstanding credit card leave a huge impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: LD Holdings Group, LLC
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Due to COVID assistance I filled for a mortgage assistance. After speaking to a representative they told me to complete the forms sent and return in the pre addressed XXXX XXXX envelope provided. I followed the instructions provided. I received a call from a representative asking if I sent back the notarized form. I told them yes, they said we didn't receive it. Then they said they would research. Then I received another call from a different representative saying the same thing basically calling me a liar that I didn't do what I said I did. In between the calls I received paper work from a title search company with a copy of the papers Loan depot said they didn't receive. I called that company and they said they got the papers from them loan depot. 
Mean while I am making my mortgage payments and receiving fees for " late payments '' because they have not serviced my loan. I received another call last week from a representative saying the same thing.. they didn't receive and basically calling me a liar again. I'm being harassed for an internal issue they have regarding servicing my mortgage and being charged late fees for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I received a " notice of default right to cure '' letter on XX/XX/2016 threatening me and demanding payment by the XXXX or further action may take place. The funny thing about this letter is that it 's dated on XX/XX/2016 but it says that I 'm past due on my XX/XX/2016 payment. I 'm not a lawyer but I 'm sure that you 're not supposed to send a notice of default if a person is not in default right? Another funny thing about this letter is that it showed up 3 days after I filed my other complaint against this company on XX/XX/2016. It 's strange how this threatening letter just popped up. I really regret that I ever did business with this company and took out an auto loan. It has really turned out to be a decision I deeply regret. I really want this contract cancelled and I want to be done 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 2015-06-11
Company: PNC Bank N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Savings account with PNC BANK. To start, they had a {$100.00} monetary gift I was not aware of. This was oppenned in XX/XX/XXXX. Then in XXXX XXXXI spoke with XXXX XXXX about their brokerage account and had $ XXXXXXXXwired to the from XXXX . I Opened an account to have a debit card I can use. AfterFUNDS were wired by XXXX, he asked some me to open a checking account with them. 
I told him I do n't need to because I have XXXX checking accounts with my other XXXX. Then I told him that they never gave me {$100.00} for opening a savings account with XXXX back in XXXX. I asked XXXX XXXX about their new promo of {$200.00} to opena checking account and he said I 'm not eligible for it. I declined to receive a checkingaccount. He forced me to open XXXX because it 's no harm to get XXXX. I okay to get theChecking account but did not give me promo offer. XXXX month later, I was transferring fundsfrom XXXX and PNC BANK, my account got over drawn by XXXX. Nobody at the bankInformed me about It even though mostly everyone there knows me. Then a collection letterWas received for {$500.00} and some change. I went to PNC BANK to speak to XXXX, branch manager of XXXX XXXX XXXX and told me that XXXX was moved to a different branch. I asked her about the delinquency and how {$30.00} became {$500.00}, andshe gave me a customer service line that is a robot call and I get disconnected everytimeI call the number. And why was I not offered over draft protection for the Checking accountthey insist I have, she told me she would look in to it And never heard from her again even after leaving numerous messages for her. I called main phone number for PNC BANK andI was transferred to the escalation department, and I found out that I have XXXX checking accounts but no protection from over drafts. I bank with XXXX and XXXX so I never had this problem before. She handled FTC CASES, and did n't help me out. She dunned me for the entire balance. Now my credit is jeopardized due to neglect and poor quality of service. 
I want them to fix this problem and I hope you can help me. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-24
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Two issues XXXX 1. PNC Bank has a policy where if a customer has his or her credit card attached to a checking account, and the checking account is over drawn then PNC will transfer the minimum of {$50.00} dollars to the over drawn account. However, PNC only allows a payment to be made up to XXXX, which means in almost all cases, a payroll deposit that comes through at midnight, will almost always be too late to cover the amount over drawn, thereby allowing PNC Bank to charge a minimum {$10.00} or a percentage ( which ever is greater ) over draft or transfer fee. 
2. PNC Bank notifies the account holder after the over over draft or transfer fee has occurred, which does not allow a payment to be made prior to the fee being charged. 

I believe PNC Bank deliberately set the time to pay an over drawn account at XXXX, to prevent account holders with payroll deposits from being able to place the over drawn funds back into their account before the fee is charged. I also believe PNC Bank deliberately notifies their customers after the fact to ensure that they can charge the overdraft fee. 

I did speak with PNC Bank regarding this matter and they response is that I should keep a positive bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: PNC Bank N.A.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX 2012 I had a vehicle repossessed, which I had a loan for through PNC Bank. I received no notifications after the vehicle was repossessed as to when the vehicle was resold and the amount it was resold for. This is information as the debtor that I am due to receive according to Ohio law from the creditor. I contacted PNC Bank directly after attempting through my credit reporting agencies to have PNC Bank correct and update the information on my credit report. They have not updated the information correctly on my credit report nor have they sent me the information I requested for a copy of the resale date and amount of resale on this vehicle. I have attempted to work with PNC Bank in correcting this matter, however, they have failed to reply to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX we took a Home Equity Line of Credit out on a property. There are XXXX people on the loan. We did n't realize at the time we signed a home equity loan with interest only for the first 10 years and principal and interest the remaining 10 years. Then in XXXX of XXXX we were slammed with a new payment of {$2600.00} from interest only of XXXX. We were never notified ahead of time our payment was changing due to this issue. We fell behind and immediately requested a modification from our lender. We were sent the package and completed it and returned it. We were approved in writing for the modification on XXXX XXXX, XXXX. Verbally we were told to make XXXX trial payments of {$1600.00} for three months. We agreed and made our first payment on XXXX XXXX, XXXX. On XXXX XXXX we received a letter from our lender that they were unable to offer assistance. This letter was dated XXXX XXXX, XXXX, XXXX day after we made our first trial payment. The reason for denial was Unacceptable Collateral. Who does that? This is wrong on so many levels. I also believe only XXXX couple was included in qualification for the modification. PNC does not seem to handle more than XXXX people on the loan with their computer system. So I know the XXXX couple 's income and ratios were not even included in the decision. At this point we were 5 months behind and left with no options. We did make up the deficit and are now current but I need PNC to answer for what they did and was the XXXX couple involved in the decision making.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violeted my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE ALL FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS PER FCRA 605B ( a ).

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 2016-05-27
Company: National Credit Systems,Inc.
State: VA
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:
I received a debt collection notice from National Credit System ( NCS ) regarding my refusal to pay a debt owed to XXXX on the Lake for carpet replacement in the amount of {$1000.00}. This is a debt that I was totally unaware of and do not owe. I have contested this bill and requested proof of the allegations and NCS would not provide any additional information regarding my request. Instead they were threatening me to pay this bill without any explanation as to how XXXX came to the conclusion that I was responsible for total carpet replacement in my apartment without notifying me of the damages. I provided them with my copy of the final walk thru paperwork that the XXXX management team completed which made no mention of the carpet needing to be cleaned, repaired or replaced. I lived in the apartment for two years and three months prior to my departure I received my free carpet cleaning from the XXXX Maintenance Staff for renewing my lease. NCS has reported this erroneous information to the credit reporting agencies, and now my son and I have this negative information on our credit report without a thorough explanation or proof of damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: BMW Financial Services NA, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
BMW Financial Services at XXXX keeps calling for a XXXX XXXX ( Not sure of spelling - that 's just a best guess ). These are robocalls, with absolutely no way to tell them that we have no idea who this person is. We have received at least XXXX such calls, and have attempted to call back to let them know - only to be confronted with a phone tree that has no option to speak to a human or to let them know in an automated fashion that their contact information is erroneous. This is not only harassment, but harassment of the wrong people. Please prosecute these alleged people to the full extent of the law

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have applied for a loan to refinance our home. In XXXX XXXX, we had to file Ch XXXX Bankruptcy to stop foreclosure of our home due to tremendous loss in my income due to economy. At that time, we were behind on our mortgage with National City Bank and they had started foreclosure proceedings. Of course repayment of all payments in arrears to National City Bank was a part of our bankruptcy payments made. I have confirmation from my bankruptcy attorney that we started that process on XXXX/XXXX/XXXX as ordered we paid all payments in arrears with NO delinquent payments during bankruptcy repayment. Our bankruptcy was discharged on XXXX XXXX and by that time we were current with our mortgage which was by then sold to PNC Bank. On our credit report now it shows that we were still in foreclosure after the completion of bankruptcy when we were current on our loan. The credit report now shows us in foreclosure for months XXXX XXXX to XXXX XXXX. We wrote to PNC mortgage and they said we were referred to foreclosure on XXXX XXXX, XXXX and removed from foreclosure on XXXX XXXX, XXXX. How can they keep an account in foreclosure status when they have agreed to accepted the payments for all payments in arrears as per bankruptcy documentation and we were current on our loan since XXXX XXXX. The fact that we are shown as in foreclosure after the bankruptcy means for us that we can not re finance our home for 3 years after they have removed it from foreclosure which means XXXX of XXXX. I think this is UNFAIR to consumers and see no reason why our account was held in foreclosure after receipt of deficiency and payments made as agreed.

Company response to consumer: Closed
Consumer complaint received 2016-02-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I sent a debt validation request to Chase XXXX XXXX, XXXX, they have not responded to my request. They have illegally foreclosed on my home in XXXX. I requested they send me the data from the original lender. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Chase Attn : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Re : Alleged Debt Acct # XXXX To Whom It May Concern : Please be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : Account Loan Data from the ORIGINAL creditor, Note and Deed of Trust Please provide me with MY WRITTEN AUTHORIZATION stating that I gave you my permission to sell my private information to any third party or debt collector under 15 USC 1692 ( c ) ( 3 ) ( b ). 
Provide proven facts with account loan attached from the ORIGINAL creditor and signed under Penalty Of Perjury. 
Identify the ORIGINAL creditor. 

As it stands now, you are a Debt Collector. 

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit files and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. 

Thank you, XXXX XXXX Sent by USPS mail

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: WESTERN UNION COMPANY, THE
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is through XXXX XXXX since it was sold to them in XXXX XXXX. I signed up with XXXX for their XXXX program at that time. I have had ACH withdrawal 's from my checking account biweekly since then. I come to find out now that this was not through XXXX XXXX they tell me it is through a company called Pay Map. I have never heard of Pay Map. The ACH from my checking states XXXX for {$700.00} biweekly XXXX states they get a Monthly payment of {$1300.00}, but I am paying {$1400.00} not monthly but biweekly. I am not getting the advantage of the biweekly payments when XXXX states they are getting their funds monthly and not even the amount I am paying. I knew nothing about another company handling my money and paying monthly, I would never have done that. This is not fair and I feel like I have been scammed. I cant reach this Pay Map Company until Tuesday XXXX/XXXX/XXXX but I will be canceling everything with them ASAP. What can I do or what can you do to help me. I feel they owe me money that should have been going to pay my mortgage off sooner XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: KEYCORP
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Key bank, XXXX, oregon three years ago nearing retirement my wife and i decided to apply for a fixed interest home mortgage we applied for a locked 3.75 interest rate.we were assured we qualified and signed the contract.the loan officer XXXX would only accept our phisical address even though we told her the U.S.P.S. would not forward our mail .after 50 years of banking at key bank i took over our financing. We just realized we had never received a statement key bank on this loan .key bank finally sent the current statement to our post office box .we immediately realized our loan was actually a variable rate loan and rates were rising. XXXX admitted she had dropped the ball ll and would recommend we be given our original loan rate. XXXX, XXXX, s boss denied the request .We are currently in limbo and our retirement in jeopardy. Please help XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XX/XX/XXXX, I reported identity theft to Chase bank for someone stolen my credit card and ATM / Debit card to go to Chase bank system and setup online banking changed my current home address, forward all my statements to somewhere and withdrawal all my chase bank checking / saving account fund from XX/XX/XXXX to XX/XX/XXXX. I have all evidence and identified as unauthorized. XXXX gave to Chase bank XXXX Id theft report case #, FTC id theft report case #, USPS Inspectors id report case # and Office of XXXX District Attorney id theft report case #, XXXX bank Faurd and Claims Dept. did not get deeply invstigate for my identity theft report cases and just denied all my claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-13
Company: ALLY FINANCIAL INC.
State: SD
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:
I disputed an account with Ally Financial that was reversed in my favor but I have had no increase from this being taken off my credit score. This account is showing on my credit history as a XXXX XXXX  account and is killing my credit. I would like this to be removed completely off my score and score increased from the negative reporting it has caused on my credit. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: Arbor Residential Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX at XXXX AM I called Seneca Mortgage Servicing and spoke with XXXX. I requested information about having PMI removed from my loan. I explained that I had made several improvements to my home, but the majority had taken place before the refinance. He said that improvements would be excluded if they were included in appraisal when we refinanced. However, we had a computer appraisal so the improvements we made were not included in that appraisal. There was no way for the lender to know about the major improvements that had been made. In that case, He explained to me those improvements would not be listed in the XXXX or computer appraisal. They would be considered among the improvements that could count toward the PMI removal. I asked him how certain he was of this information. He said he was very certain. Based on this discussion, I decided to move forward with having my home appraised for {$450.00}. I sent in the check and had my home appraised a few days later. 

On XXXX XXXX I called Seneca Mortgage Servicing to determine the status of the PMI removal. I had a XXXX hour conversation with XXXX. I spent most of my time on hold. I was told that the appraisal had not been received. However, they wanted me to submit proof of improvements. They said that they wanted to know when the improvements had been made so that they could determine if they resulted in the increase in market value. I explained the conversation I had with XXXX. She said that none of the improvements before the refinance could be considered. I explained that if I had known this information, I would not have proceeded with the PMI removal request. I felt that Seneca knowingly mislead me into providing them with {$450.00} for an appraisal that they knew would not result in the removal of PMI. 

Furthermore, XXXX refused to explain what was defined as a significant improvement. In addition, she refused to provide the ratio of money spent on significant improvements and it 's relation to market value. Finally, she said that the appraisal had not yet been received. Yet, she quoted the appraisal several times, noting that the appraiser had noted that the kitchen had been remodeled XXXX5 years ago and Seneca needed more documentation regarding the improvements. 

When I called again on XXXX XXXX, I was told that the appraisal had been received on XXXX XXXX, XXXX day before my conversation with XXXX. On XXXX XXXX by fax and XXXX XXXX, XXXX, and XXXX by phone, I requested a fax and mailed copy of the appraisal. Only received it by fax after the request had been denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation