BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After examining my credit report, Portfolio Recovery was marked as a delinquent account. I sent a certified letter asking for verification of debt. The letter was delivered and signed on XX/XX/22. After the letter was signed I continued to receive phone calls. I have not answered the phone, and they will not leave a message. Caller ID is showing PORTFOLIORECOV XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
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:
This is not a third party complaint. I filed an identity theft affidavit with Experian on XX/XX/2021 under case number XXXX and the XXXX XXXX XXXX did no comply with federal laws by blocking and removing the accounts. Because of his failure to comply my family and I have not been able to obtain credit and get housing. Federal law requires me to file a identity report with the federal trade commission or a police report and provide identification. I provided the identity theft affidavit and my identification on the above case number as proof and nothing was done. I demand CEO XXXX XXXX under XXXX Experian to block and remove all the accounts. It is your fiduciary duty to protect me as a consumer and report accurate information. My family and I are now homeless because of your failure to follow basic fair credit reporting law procedures.

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 2015-07-17
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company refuses to release the funds my insurance company has given them due to water damage in my house. I have provided them with all documentation. Every day I contact them they are saying they are missing something else despite it being in the file the previous day. Although I was given an assigned representative, I am unable to speak to her. I was told that I was unable to speak to anyone in the claims department by customer service by a man named XXXX on XXXX XXXX due to my account statusdespite the fact I had paid my mortgage that morning. They have had a check from my insurance company since XXXX

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 2022-09-15
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax as a financial institution did not exercise their grave responsibility according to 15USC1681 ( a ) ( 2 ). Equifax was unfair, partial and they dis not respect my right to privacy. They have given my personal private information to multiple companies without my consent to do so. They are acting on my behalf and do not have my consent, which is a form of identity theft. 
I personal information was stolen and involved in their data breach in 2019. 
Due to Equifax 's fraudulent behavior my consumer credit report has been gravely affected. I have been discriminated against, denied credit and slandered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested validation of debt, as well as, validation methods from XXXX XXXX XXXX. I have sent the request twice via certified mail, of which I have receipts. I received a statement from the " original creditor '' and have yet to receive a signed contract with my signature on it I have previously sent a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges they claim I owe to another company. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I did not consent to XXXX for validation and have yet to receive a contract bearing my signature. 

XXXX is still reporting this collection on my credit report, which is considered to be a collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
every time I try to contact Equifax to try and get a free credit report over the last Five years they have refused to give me XXXX as they ask me information that is incorrect and when I try to contact them I go thru their electronic phone tree to talk to someone they hang up. I can never get their report unless I pay for it. I am tired of battling them. Please I just want to see my free credit report so I can get things cleared up and be able to move on with my remaining years. 
You can contact me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Oregon XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-04
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Huntington bank is doing it again. 
They are using deceptive tactics and gaming the system also Reordering and rearranging purchases to collect overcharge fees from customersWhen ever you file a dispute, your dispute is in the trash bin and wont be approved in your favor, actually they will get the money back from the merchant but they will not let you have your money back, dont know if these guys are at all doing their job or just ripping off peopleI GOTCH YOU type of thingthe customer service stuff is horrible and their managers sitting all day long doing nothing than telling their stuff to say sorry or no to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: EQUIFAX, INC.
State: NC
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Conduent Incorporated
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
Spoke with representative on XX/XX/2022 and was informed to wait for refund from the fraudulent charge by XXXX in XXXX MI. Contacted customer service on XX/XX/2022 was transferred 7 times, hung up on, and was on the phone trying to get this resolved for over an hour. No one at this agency appears to know how to enter a dispute against XXXX. On XX/XX/2022 I was informed to wait until the XXXX day. On XX/XX/2022 I was informed to wait until 7 days. There needs to be training and coaching on how to handle dispute. Each person validated my information was of no assistance. No manager was available to assist and everyone is working from home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax in my FICO score continues to report incorrectly that I defaulted on a mortgage. I have never defaulted on any loan. The credit union that issued the mortgage in question has reported twice to Equifax that the mortgage was never in default. Equifax customer service refuses to address FICO scores or refer me to someone who will. Complaints result only in an offer to sell me the FICO score. This failure to correct the record interferes with my ability to get a new mortgage on favorable terms and damages my personal reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: EQUIFAX, INC.
State: NM
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:
Equifax is ignoring my requests to investigate, verify and remove accounts from my credit report that were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2022, my dad wired {$6000.00} to XXXX to his account with HSBC XXXX. On XX/XX/2022, my dad was checking his account in XXXX to make sure the money arrived to his account and it never did. We called out bank ( sender ) and told us the wire was sent and should had arrived by now. My dad and I reviewed the wire form and spoke to USBC XXXX and we were told by the Branch Manager the information was incorrect. The customer service rep at that location in XXXX had given us the wrong wire instructions. Our bank started sending requests to HSBC fed line requesting to return the funds or credit the funds to the account in XXXX & gave them the correct bank info and they did response at first but the money is still missing and our bank continues to send emails with no replies., but now its been several months and still have not heard nothing from them. We have also kept in contact with HSBC XXXX and tell us they can not help or answers our questions to where the money is. 

We feel that this was not our fault and the customer rep. gave us the wrong wire instructions. 

On XXXX XXXX, my dad was admitted to the XXXX  with XXXX and XXXX and is now suffering the consequences of this terrible XXXX He is still in the XXXXl and it will be a long recovery. XXXX may not be a lot, but it is to him and my mom who desperately need their money back and unfair they are not getting any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I notified my bank and have had a case closed twice. Ive asked for it to be reopened again. I can not understand with all the proofs Ive sent them why they are not taking this matter seriously and refunding my money. I purchased three items from XXXX XXXXXXXX XXXX  XXXX XXXX  on XXXX XXXX of 2021. Two transactions through XXXX for {$5400.00} and {$5400.00}. XXXX never sent a receipt. Theses were ordered over the phone. He is in XXXX I sent a copy of an email from XXXX stating I have no receipt. The one purchase was for a jacket that was sold ILLEGALLY as per federal law it must have country of origin in it, which it does not. I sent pics of the tags that say only leather and how to clean. As to the skirt and dress it is a case of grand larceny as I never got them. The dress was {$3300.00} and the skirt was {$1800.00} with tax and shipping on top of that. I have filed a police report in this matter with my local police department. I have also hired an attorney in XXXX I can not believe in such a case of breaking laws my bank will not do anything to help me in this matter. Other than not having a receipt I have proofs pictures texts emails, voice messages. Huntington Bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-10
Company: Ditech Financial LLC
State: MT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech added a building master policy to my single condo account in XXXX even though my HOA has covered the group master policy for the outside of the building since I have lived there. Ditech keeps asking to fax various forms so I comply and send them what they ask for. I then contact the company again after sending document after document and then the rep tells me I will be credited in 3-5 days. Then today I received an email saying they do n't have my master policy again. I called them and then they tell my they need proof of insurance and want the master policy. I told them it 's in there system then they tell me well they actually need XXXX policy even though the fraudulent charges were all from this year. I track down the old policy and send it to them anyway. Then I call back I get told that it 's on my account now. I ask about credit for the charges which should not have been on my bill. Now they are saying that I just have to wait 1-2 billing cycles and then I will receive credit. I ask them for how much and then they say they can not see the information and each rep just continues to transfer me to the next department and will not help me. My condo is going to forclose and its because ditech has put fraudulent charges on my account and will not remove them even though I provided them with every document they have asked for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I have owned a condominium development for about 20 years. I have decided to convert the affected property back to private ownership. To do this I must get the approval of all people who have bought parcels and their mortgagers. I have gotten the approval of the only person that purchased a lot but when I or my lawyer or the mortgagee has tried to contact the mortgage company they get no response. The company was originally Greentree but is now Ditech. They are a national company and whenever we call we speak to a person in a different part of the country. If we leave a message they do not return our calls. We have sent them a form that if signed would complete the transaction but we never heard anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 A section 604 A. Section 2 : its also states a cunsumer reporting agency can not furnish a account without written permission instructions. 

The following accounts below are on my credit report : # XXXX XXXX XXXX XXXX XXXX Acct # XXXX # XXXX XXXX  XXXX XXXX XXXX Acct # XXXX # XXXX XXXX XXXX XXXX Acct # XXXX # XXXX XXXX XXXX XXXX Acct # XXXX # XXXX XXXX XXXX XXXX XXXX Acct # XXXX # XXXX XXXX XXXX Acct # XXXX # XXXX XXXX Acct XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX Acct XXXX XXXX # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXXXXXXXXXXXX Inquiries : # XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: CITIBANK, N.A.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXXXXXX XXXX  called regarding a debt i may owe on a credit card. Two separate representatives refused to mail me any verification to confirm this debt is owed. Threatened to pursue lawsuit to collect.

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 2015-09-08
Company: PNC Bank N.A.
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I had a revolving HELOC XXXX 3.0 %, {$180.00} payment, interest only XXXX which was to expire XX/XX/XXXX. XX/XX/XXXX PNC Bank sent me a letter offering me a fixed rate 30 year HELOC at 3.84 %. I applied for that loan, and was approved. 

Then, PNC went back and did an appraisal on the home and sent me a letter stating they could not loan me {$75000.00}, they could only offer me {$73000.00}. 

They re-wrote the loan again, but this time the interest rate was 5.24 %. This increased my payments from {$340.00} to {$400.00} a month. I feel this increase may hurt me in the long run. I am a single income household. My wife passed away which has decreased my monthly household income by over {$600.00}. 

I have tried to work with PNC to find out why I was not given the 3.84 % as they had promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX has Violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2. it also States a consumer reporting agency can not fumish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage currently with XXXX, they held the mortgage for one year and I received notice in the mail yesterday my mortgage is being transferred XX/XX/XXXX to PNC Mortgage. I read that I need a 15 day minimum notice before transfer. The letter was dated XX/XX/XXXX, and I received the letter only yesterday in the mail, XX/XX/XXXX. This leaves only a 5-6 business day notification ( or max 10 business day from date of letter ) of my loan transfer. I am also trying to settle my escrow account with XXXX for XX/XX/XXXX year. I do n't think I have been given sufficient notice, and, also, the letter did n't enclose a payment voucher for new payments to be sent to PNC Mortgage, which means I would have to send my payment to XXXX until I receive my new mortgage statement. I know legally I have a 60 day window for payments between transfer, but I still think the transfer notice is very, very late.

Company response to consumer: Closed
Consumer complaint received 2016-04-01
Company: PNC Bank N.A.
State: NJ
Product: Credit card
Issue: Advertising and marketing

Complaint:
After receiving in XXXX XXXX a promotional 0 % interest rate offer from PNC BANK, I read the offer and was confused on what the 0 % offer applied to. After review I concluded it applied to balance transfers and new purchases. On XXXX XXXX I called the PNC Bank phone # on the offer advertisement to confirm. A Customer Service Representative stated that the 0 % APR interest rate promotional offer as advertised was for both balance transfer and new purchases till XXXX XXXX, XXXX. 
That day, I did indeed transferred a credit card balance from another bank to PNC BANK VISA. I was charged a fee of 1 % for the balance transfer and began using my PNC Bank Visa card for new purchases.The interest charge on my next XXXX credit card statements eluded my review. The most recent statement I discovered an interest charge of 14.24 %. 
When I called PNC Bank for an explanation they requested I fax them a copy of the promotional advertisement. I did immediately, and by the end of the day a customer service representative ( name XXXX ) called me and stated " The Bank Stands Behind Their Advertisement '', and only the balance transfer is 0 % interest. 
I stated, " I will have to take the matter to another level ''.

Company response to consumer: Closed with explanation