BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 

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Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
last year i purchased a desk, dresser, and a bed frame from XXXX, i had to pay a fee for them to put the furniture together. It took two months for me the get the items, when the workers came i mentioned to them about putting the bedframe together. He told me that it was n't his job, it was only his job to deliver the furniture. I sent everything back and began a dispute with m my XXXX. last year on XXXX/XXXX/XXXX XXXX charged my credit care again for {$710.00} and XXXX/XXXX/XXXX for XXXX, again i am in the process of filing a dispute against XXXX because i am no longer buying things from them and yet they continue to charge my visa, my credit score went down from XXXX to XXXX because of them maxing out my 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 2016-01-31
Company: PNC Bank N.A.
State: WA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have no other recourse to submit this issue to the CFPB. I have made numerous good faith attempts to rectify this through PNC Bank personally. This has included the following activities over the last 12 months : 2 Branch visits : 60 minutes each 6 Phone calls about this issue : 40 minutes each Research to submit this issue to CFPB : 4 hours Total time spent trying to rectify this issue to date : 10 hours During my first call I was told, " why would n't you notice this earlier? '' and " it is not the bank 's responsibility to verify your interest payments, especially since it has taken so long to catch it ''. It was n't until my 5th call that I was able to contact someone in the customer resolution team who went and researched this problem ( the person on my 4th call promised to log an interact complaint, which I asked her too, and she did not follow through or log the compliant which is against regulations in the Frank-Dodd Act ). 
When she had her team research the issue she verified that there was only {$15.00} in interest owed. I had informed her that is drastically under what I should have earned during the last 2 years. For my PNC Growth account, I would be awarded a higher interest rate for every month I made more than 10 transactions on either my PNC debit card or PNC credit card combined. For some reason in XXXX PNC Bank unlinked my credit card without my permission and those credit card transactions no longer counted towards my combined transaction total. I have gone through every month statement for the last years and found that I have been short changed this amount ( I should have received {$40.00} but was only credit {$15.00} ). I am requesting the balance of my owed interest be refunded to me and action taken against PNC Bank for putting me in this place. I am also requesting a charge per hour for my personal time in order to find resolution. I earned {$220000.00} last year at my job so when you divide that for a 40-hour work week it comes to {$100.00} per hour. With the 9 hours that I have put towards this issue, I am requesting {$1000.00} for compensation on personal time rendered to do PNC 's job. 

Months in Question : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-26
Company: PNC Bank N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opted in for overdraft coverage for my PNC checking account. I overdrew my account, however, a deposit was made which covered the charges and brought my account to a positive balance on a Friday. On a Monday, another charge overdrafted my account, resulting in me having a negative balance. Instead of counting from the day that my account was overdrafted the second time, PNC began to access " continous overdraft fees '' in the amount of {$7.00} per calendar day which - persuant to the agreement that I signed opting into overdraft coverage - is only to be assessed after an account REMAINS in overdrafted status for 5 calendar days or more. I spoke with them twice regarding this matter, however, they maintained that their agreement permitted the assessment of these additional charges of {$7.00} per day. I was told on Friday, XXXX/XXXX/16 that I would receive a call from a PNC representative named XXXX XXXX that day to discuss further, however, that has yet to happen. Their overdraft coverage agreement is misleading and egregiously unclear with regards to the assessment of the {$7.00} per day charge and I believe that I was taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
XXXX, XXXX ; Application submitted to PNC Bank for a {$200000.00} Home Equity Line of Credit. Bank instructed that should there be any doubt as to approval that the application should be withdrawn and be reported simply as an Inquiry to any Credit Reporting Agency. PNC agreed to those terms. 

PNC requested 2 years of income tax returns. I submitted the latest 2 returns that had been filed with the IRS ( XXXX & XXXX ). The year XXXX had not, as yet, been filed but was available as soon as it would be filed ( in XXXX, XXXX ). 

Against our agreement, PNC declined my application ( see attached PNC letter of XXXX/XXXX/XXXX ). I immediately responded by my attached letter of XXXX/XXXX/XXXX, which is self-explanatory. 

After 6 months of telephone calls and written correspondence that failed to be responsive to my letter, I received a telephone call from a Retail Escalation Manager to advise me that PNC 's report to Credit Reporting Agencies could not be changed to reflect a simply Inquiry and that the file was Closed for re-consideration and could not be re-opened because too much time had elapsed. 

My Credit Rating of XXXX, and the fact that the amount of elapsed time was due to PNC 's failure to respond timely to my letter of XXXX/XXXX/XXXX did not sway the Retail Escalation Manager. For the record, please note that my XXXX/XXXX/XXXX letter clearly alerted PNC of " Time being of the essence '' in my demand for their response. 

PNC 's inflexible posture is unconscionable and not in good faith. Their suggestion that I submit a new application is not acceptable to me because of the way that PNC botched their dealing with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: Cadence Bank
State: TN
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have disputed an alleged outstanding debt that is held by Bancorp South on several occasions, per my rights as stated by the FCRA. Bancorp South has failed to provide me with support for the debt that they allege that I owe, including a calculation of my balance from the origination of the said debt to the present time. Instead of providing me with this documentation, they have harassed myself, my family members, etc. They have called us pretending to be the US Postal Service, etc in order to obtain or address. They have also filed a civil suit to collect the debt, rather than provide us with proof of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: Financial Credit Service, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
ASSET RECOVERY ASSOC. Inc. called me several times, and has sent me letters saying that I owe them {$4400.00} on a a credit card I closed over 10 years ago. I checked my credit report, and they obtained my credit history in XXXX. They said that they would take legal action if I did not pay. According to my credit reports, I owe no debt from this company. The FHA did a thorough vetting of me in XX/XX/XXXX, and I paid all outstanding debt. These are scam artists.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: Gatestone & Co. International Inc.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Gatestone has been calling my son and I every five minutes on our home phone, my son 's phone which is ( XXXX ) XXXX, and my cellphone, which is ( XXXX ) XXXX. My son has already told them to stop. They ca n't seem to stop calling us until they get through to one of us. They disrupted my son 's conference call three times this morning and called my home phone at least ten times in the course of 2 hours. My son told them to cease and desist He also told them that I do n't want them to call me. We 've had enough with them and ask they quit calling us. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-17
Company: Paypal Holdings, Inc
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I made a purchase using PayPal. They claim to have protections against fraud committed by the merchant. After trying to go through their dispute process they told me too bad you have to pay for it plus interest. The company I made the purchase from had a stated return policy which I tried to follow. They refused to answer any phone or email. Sticking me with the product. PayPal claims to protect consumer from bad merchant behavior. They lie as bad as the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Paypal Holdings, Inc
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Paypal offers a service of virtual money which is tied to a checking/debit or credit acct to make purchases without leaving your information available to hackers ... They also have a dispute service when dealing with vendors without ethics or deceptive practices ... 

I have used Paypal in dealing with an internet company that has defrauded me of delivery of my purchased items and now refuses to act in a manner complementary to what they claim to offer ... I have filed a dispute regarding a purchase and they have sided with a vendor claiming I have recieved the merchandise ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Mitchell Rubenstein & Associates, P.C.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
No issues with the debt just the amount, it was also at a time when I was laving the state and starting a transition. They sent my case to civil court, when I was in the process of transitioning out of state. I attempted to resolve the issue by calling the firm and never received a response. They have since submitted a garnishment from my pay with I still disagree with the amount and am waiting to resolve this issue by paying them or having the garnishment, but not at the amount they are stating.

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 2016-03-11
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: CO
Product: Consumer Loan
Sub-product: Title loan
Issue: Can't contact lender

Complaint:
Re : SST Loan Servicing This loan was transfered from another financial institution. Title loan on vehicle purchase was paid off in XXXX 2016. I still have not received the release of lien so I can title the vehicle in XXXX XXXX as of this date, XXXX XXXX, 2016. I have been given inaccurate and false information by various sources, dates of alleged mailings and incorrect mailing addresses when I tried to verify why I had n't received my paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold account in XX/XX/XXXX with an offer to earn XXXX ThankYou Points with promo code XXXX. 

I 've received confirmation that I have met the requirements which are : 1. Open a new Regular Checking account in an eligible account package by XXXX/XXXX/16. 
2. Then, within 60 days after the new account is opened, complete one qualifying bill payment each month for two consecutive months. 

I have fulfilled these requirements by : 1 bill pay on XXXX XXXX 1 bill pay on XXXX XXXX As of today, XXXX XXXX, 2016, I have yet to receive my bonus.

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 2016-02-09
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was sent a letter stating that I was in default, I checked in at the website, it shows my payment not being applied on the day I made it, my conformation no. Is XXXX, I also had a message saying that I called and made arrangements to pay on the third, I did not, I call and talked to a XXXX employee number XXXX and was told to disregard. Just trying to stay out of trouble, please help if you can, thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: Williams & Fudge, Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
On XXXX XXXX of this year, I filed for Chapter XXXX Bankruptcy relief, and included a {$1500.00} debt from Texas XXXX University, which I incurred from dropping courses after the withdrawal date. This debt was appropriately included in my Chapter XXXX schedule F, and discharged by the presiding judge on XXXX the XXXX. Today, XXXX the XXXX, I received an alert via my credit monitoring service informing me that I now have a collection on my XXXX report from the Williams and Fudge agency for a {$1900.00} debt to Texas XXXX University. I was unable to attain auto financing due to this open collection with a high reported balance. My XXXX score dropped XXXX points once this collection account was added. I placed a phone call, left a voicemail, sent an email with attached copies of my Chapter XXXX petition, schedules, and discharge to Williams and Fudge. I also sent a dispute along with all of my BK documents XXXX. Now I have to wait a month or so for this inaccuracy to be investigated. This school debt comprised one of the largest balances of any of my debts, and was a significant factor in my decision to file for bankruptcy. My credit report has rightfully suffered from the bankruptcy filing. I should not be further penalized by having collections reported on debts that were discharged in the case. I advise anyone who files for bankruptcy to keep diligent records of every debt, payment history, and communication with your creditors. Receiving a bankruptcy discharge does not mean your case is over or that you wo n't be hit with attempts to collect your debt at a later date. Sadly, a collection agency can inflict serious damage upon your credit report overnight, while it will take you a month or more to dispute, verify, and defend your credit score when inaccuracies are reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: Sentry Credit, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Sentry credit inc has NOT stopped harassing phone calls to me even calling at XXXX and at night at XXXX threatening and using abusive language and this is on the XXXX that had unauthorized charges and XXXX has closed off and cleared all fees. please help to stop sentry this must be illegal and every unethical thing to do

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 2015-12-01
Company: Forster & Garbus LLP
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
A company called Forster and Garbus filed paperwork with local courts 2 years ago, getting a default judgement on me, when I told them the loans they are collecting on, for XXXX, were in fact not mine. Worse yet, they refused to show my court documents to the court, never told me of a court date and my answer to their complaint was never given to the court. As a result, they go XXXX default judgements against my name, with a false co-signer and have been garnishing my wages for a year and a half. I want this money returned, I want these garnishments lifted and I want them to re-open these cases at no cost to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: KEYCORP
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Key Bank calls my home every day asking to speak to a person who I have repeatedly told them I do not know. I just got this number about 2 months ago, and I 'm assuming they are looking for the previous owner of that number. I answer every day, tell them I do n't know those people, and ask them to remove my number. They do not remove my number because they call back the next day. I called and attempted to speak to a supervisor, and they refused. I was then told I could not have my number removed unless I proved I was not those people. I have no intention of sharing my address, or any other personal information with them. XXXX just want the calls to stop. They are calling from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: ProCollect, Inc.
State: SD
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:
Dear Sir, My wife and I rented an apartment in XXXX, Texas, which was taken over by new management shortly before we vacated. Under the terms of the contract ( which I no longer have a copy of but requested from the collection agency, who refused to supply it, though admitting they have a copy ), charged us {$510.00} for vacating, including keeping our deposit. 
We left the premises as our contract had expired. I gave one month 's notice, though they asked for two months and refused to check the apartment before we left. We left it in good condition, took everything out, and gave the key to a trusted neighbor. 
I have filed chapter XXXX, but it is affecting my wife 's credit report. 
Their methods are totally illegal. As I understand, Texas law allows tenants to vacate at the end of their contract without any problems, nor notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: First Credit Services 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:
Debt collector is using a creditor that does not exist in an effort to collect a debt from me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation