BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My name is XXXX XXXX, I 'm writing because in XX/XX/XXXX, a state tax lien was removed from XXXX, Equifax and XXXX Credit Reports. However, two weeks ago it reappeared on my Equifax reports. I never received any notification from Equifax that they were reinserting a State Tax Lien back to my report. I 've attached a copy of my paid state tax lien and a copy of my XXXX credit report showing no Public Records on XX/XX/XXXX. I 'm requesting Equifax remove this state tax lien because they violated the law when they did not notify me in 5 days of reinserting tax lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not believe this debt is mine. I did not receive a bill or phone call from the original company nor have I received a bill or phone call from the collection agency. I have not moved nor have I changed my phone number.

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 2015-03-25
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I purchased a new vehicle which included a payoff of my old car. The car dealership mailed out the payoff to my finance company on XXXX. The finance company received the check, applied it to my account and then reversed the credit and returned the check to the car dealership. ( The finance company has yet to provide a reason why ) The dealership mailed another check on XXXX/XXXX/15 the check was received and has since cleared the bank. I have called the finance company several times. I have given them the tracking number and check number of the check. Nothing has been done, I am still receiving calls about the account being past due and I have been told that if this were not resolved that the payment will be reported to the credit bureau as a late payment. I called and left a message for a supervisor to call me back and it has been over a week and no call. I was dealing with another representative as I have been calling about this issue for over almost a month. The rep was handling it, but I have not heard back from her either and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I disputed the trade line on my credit report titled XXXX XXXX XXXX Acct # XXXX. Equifax is reporting status 60-90 days late, This is incorrect the account status should be paid as agreed, Closed. Equifax is reporting 30 days late in XXXX 2015 this is not correct, also reporting 90 days late in XXXX 2015 also not correct. The trade line is in the negative account section even though it is a positive Acct. Equifax refused to correct and claims they verified. However I verified myself with the creditor, and it does not appear the Equifax actually contacted anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account online with Chase Bank. I made a few deposits which all cleared. The day my largest deposit cleared Chase froze my account. One XXXX XXXX 2016 I was informed that Chase was closing my account and that a cashier 's check for any remaining funds would be mailed. 
It is XXXX on XXXX/XXXX/2016 and I just spoke with the department at chase which froze my account. I was told that Chase sent out a cashier 's check for {$25.00} for the remaining balance. After arguing with the Chase representative who ( shocker! ) gave me incorrect information the Chase representative put me on hold and came back and said there is an additional {$1000.00} in my checking account that is being held by Chase. I was told that Chase needed to " verify '' the check deposit into my Chase account for {$1000.00} that was written from an account I own at XXXX XXXX. The check cleared on XXXX/XXXX/2016 which is 12 business days ago. I am attaching my last statement from the account at XXXX XXXX which the check was written on as well as a front and back copy of the cleared check as well as screen shots of my online banking showing when the check cleared. I am requesting that Chase immediately release these funds to me in the form of a cashier 's check mailed to my home address which is also the address on the bank statement from XXXX XXXX as well as the address on the check that was written.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: PNC Bank N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I 've been charged an unidentified fee of {$15.00} on XXXX XXXX 2016 titled " CORPORATE ACCOUNT ANALYSIS CHARGE ''. Shortly after it appeared on the account, I contacted PNC business. To suggest they were unhelpful would be an understatement. I contacted my branch manager. She was unresponsive. I contacted PNC business support AGAIN, and once again NOTHING ... no identification as to what the charge is or why it was charged. 

I want the {$15.00} charge removed. I do n't care what it 's for at this point. The lack of " customer '' service for an individual who has been with PNC for a decade and a half is unacceptable and I 'm one more incident away from moving my money to a credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My email is XXXXXXXXXXXX and I never got to properly explain my financial complaint against PNC bank since I 'm using my cell phone to write the complaint. ( XXXX is the company for my laptop. I have a 12 month warranty on the laptop that XXXX wo n't honor so I have no service on the laptop and must use my phone. ) So, there was an overdraft. Every month, if you view the records in XXXX XXXX for XXXX XXXX rep payee account, you will see an overdraft. PNC makes crazy explanations that are inaccurate every month and this month I saw beyond all doubt that I was being cheated, this is why I had to become my own payee. I closely monitor the account and pay all bills. My mom does nothing and knows nothing when asked what happened and this PNC bank was getting over on her and disrespectfully talking to me and it drove me so crazy I threw a tantrum to get this account closed. Every month I can hardly stand their stealing. This month I just felt so caught up in all their long explanations that make no sense that I did n't know what to do but get that account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had an emergency that i ad to use a ambulance in the road. The ambulance took me to the nearest hospital. I filled all the information so that the bill can be submitted to charity. Most of the bill was submitted to charity, except for XXXX bills. Those bills were sended to a collection agency. The collection agency send me a notification for the medical bills. I called the hospital and gave all the information they needed, and they told the that the remaining bills were going to be submitted to charity. I thought that the hospital took care of the situation, and the debt was discharged by the hospital. After that the collection agency reported the balances to my credit report. I pay the full total of the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: MIDFIRST BANK
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I am trying to get a succession completed. They keep asking for the same info again. First this is not signed .now this info is out of date, because the first info they ask is out of date now they want more info with the same previous info again. I have been fighting with Midland mortgage for three years now. I want them shut down today for incompetent actions.

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 2015-10-15
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Upon leaving XXXX, I was behind on a mortgage on an investment property that resulted in the bank seeking filing for foreclosure. I applied for a loan modification, but was denied but I was offered a one-year repayment plan. I completed the payment plan early and in XXXX the court charges were dismissed. I 've been making my regular payments since then, but my loan is still listed as in foreclosure on my credit report, but owing {$0.00}. The loss mitigation department has been unresponsive. They send me letters that they claim to have tried to contact me which is untrue, and my alleged single-point-of-contact does not answer their phone nor do they return messages. They are preventing me from making principal payments on my loan because they claim there may be unresolved charges but they wo n't tell me how much they are. They also overcharged me by maintain the 6 % SCRA rate even though my loan terms made me eligible for a lower variable rate of 3.25 % in 2013. I 've done my best to recover from a difficult period, and I believe that PNC Bank is taking advantage of those who served because we 're easy targets.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Bank of America shows on my recent statements from the last couple of months that there has been atm withdraws on my checking account. Informed the bank several times about this issue and asked for my atm pin number to change. Tryed and get this resolved with the compnay but it has been denied every time. The transactions was also done while I was at work and sometimes several times a week. Filed a police report but the officer was n't able to get the footage form the bank. The bank looked into the cameras and found no evidence on the time frame on what my bank account shows. I informed the bank that I have never been to an atm to withdraw over XXXX at a time when I have bills to pay of my own. I have lost over XXXX with in the last few months. XXXX dispute was XXXX dollars and the other disute was almost XXXX dollars. Still nothing is going on and they informed me that the atm pin was used without an inguire made. I asked to switch atm and atm pins number of times and was also informed that I never called in at the time that I saw this going on. Hoping I will receive all of my money that I have lost in the last few months and I have already switched to different bank account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
BAC sent out my bill pay on XX/XX/XXXX vs XX/XX/XXXX due to the holidays, charged me an overdraft fee on XXXX/XXXX/XXXX despite the check not being cashed yet ( on XX/XX/XXXX ). I was told that is allowed in the disclosure. It should be illegal - if they have n't paid the check, how is it an overdraft? If I had mailed the check, it certainly would n't be an overdraft. Other banks do n't debit the account until the check is cashed. HORRIBLE!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My client submitted a request for short sale to Penny Mac in XXXX and we were told the file had been submitted to the investor for a decision in early XXXX. We had a ratified contract on the property in XXXX and were told to hold it until we received the Approval to Participate ( ATP ) which is the FHA letter allowing the seller to participate in the pre-foreclosure sale. Approximately 10 days later we were informed that the property has a foreclosure sale date of XX/XX/2017. When I confronted the contact at Penny Mac he said he is just informing us of the sale date and that the review was still pending. After several days I emailed him to get the status of the ATP and was told they will not issue the ATP since there is a sale date scheduled. I explained we had an offer on the property and asked him why he told us not to submit the contract. His response was the investor initiated the foreclosure faster that they thought it would be. I immediately sent in the offer and closing disclosure and requested he send it in for review. I asked for an update and he is no longer returning calls or emails. I have called his manager 3 times and not received any return calls. My client was depending on Penny Mac to handle his request in a timely manner and give him consideration on his offer and they have completely dropped the ball. This company has drug the process on and allowed the home to go into foreclosure when they had the ability to move the file in a timely manner and keep the foreclosure process from being initiated

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: Total Card, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft. I have sent numerous affidavits and police reports to Total Card, Inc., in reference to the following account : *******************. The reference account do not belong to me. I want Total Card, in the spirit of good customer service, to close the above referenced account. Cease and desist all collection efforts immediately and permanently and have the account, deleted from my XXXX credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have a debt in collections with IQ data international from XXXX from years ago and want to resolve this debt. I asked for a letter stating how much I owed and where to send money. They said they do not send letters because my account is in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Nelnet, Inc.
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My federal student loan was through Nelnet. I have since paid it off, but during the course of the loan, they almost never mailed me a bill, even after I sent numerous Certified Letters and phone calls requesting them to send the statements/reminders - that I had no problem with the payments, but needed the statements. I even submitted a complaint to the XXXX which also fell on deaf ears. As such, I frequently missed payments that were not a problem for me to make financially, but caused major harm to my credit. My resolution was finally to just pay the whole balance ( not easy for my family but it was necessary ) so that I could cut ties with Nelnet. I believe this is their primary job : to properly bill their debtors and help them pay off their loans in a manner which keeps all sides satisfied. It should have been easily resolved by Nelnet but now it will be my ongoing problem for the next 7 years on my credit report, attempts to purchase a house, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: Progressive Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
As i was checking my credit report today, stating that i owe amount of {$1200.00} through collection agency PROGRESSIVE FINANCIAL SE. I have never had XXXX. This is a result of ID theft for which i have had to file several complaints with Police and through CFPB

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 2015-09-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This matter must be resolved, after providing Equifax with proof my FATHER past away and to not merge my information with his and providing my ID 's and his death certificate I receive a notice they added the death certificate to my file. There are his accounts listed on my credit file, accounts that are in my wifes name only listed on my credit file. Accounts that are business debts only on my personal credit file etc. Please help assist me as I am not getting anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: Check Security Associates, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A company identifying themselves as XXXX XXXX XXXX has been contacting my family members, including the cell phone of my XXXX year old daughter, either speaking to them in person or leaving messages, sometimes as many as XXXX a day to locate me regarding a 'bank issue '. They have provided my family members an account number and told them they will be filing proceedings against me with XXXX XXXX XXXX. The phone number they provide is XXXX. When calling this number back you are sent straight to a recording telling you to enter an extension number with no identifying information and then if you hold there is a message telling you just that you reached the extension number XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates , LLC purchased my charged off credit card debt from XXXX XXXX. For several years Portfolio Recovery has been sending me dunning notices and bills for a debt for an excess of the amount charged off by XXXX XXXX. Letters are answered with a form about identity theft and disputes to credit reporting agencies are affirmed by PRA. I believe this is in violation of the recent settlement reached with the CFPB for illegal billing practices by PRA, LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I, XXXX XXXX filed a complaint directly with the Federal Housing Finance Agency recently directly against Bank of America, and it 's inability to apply the multiple options available to me by an act of Congress with the establishment of this agency to intercede against the fraudulent actions of national banks that brought about the real estate meltdown that started in 2008. The Federal Housing Finance Agency was established to clean up the trillions in what is known now as " zombie debts '' throughout the United States. My complaint has actually brought about a filing of a lawsuit against Bank of America, all servicers and the XXXX XXXX XXXX XXXX that is the current owner of my mortgage. The national banks such as Bank of America are in position to easily help resolve my dispute. I personally can not compete against the extensive legal and financial resources that Bank of America has at its disposal. The Federal Deposit Insurance Corporation eventually pays for all foreclosure defenses for national banks, while an individual such as myself can not afford to match said resources. I respectfully request the Consumer Financial Protection Bureau to review my complaint to see if this matter can be resolved professionally to the best interest of all parties. I had no other option but to complete a personal bankruptcy petition to cease the continuous destruction to my personal credit. However, I still wish to maintain my residence with a substantially reduced and restructured mortgage arrangement.

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 2015-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received an unfair and very upsetting response from Bank of America regarding my payment that they debit from my account, when I made a payment on XXXX XXXXJust because I am behind on my payments that does not allow them to take more then XXXX payment without my authorization. Please investigate this case and have them credit my account XXXX payment as a courtesy due to drafting my payment for more than XXXX payment and fess from my checking account and leaving me with any money to feed my kids or gas for work and unable to pay my bills. Its was snowing that day and was scare my light was going to get cut off because I did not have the funds available to make my payment because they took all my funds from my checking. Plus they charged me NSF fees because I placed a stop on my payment and took my bank XXXX to XXXX days to clear that transaction.

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