BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-19
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing to make a complaint against PNC Bank, NA. My husband and I have a home equity loan with PNC Bank that we 've had since XXXX. Our loan is due to be paid full by XXXX XXXX. We are starting to make principal only payments on the balance so that the loan will be paid full by the above date. 
I went to a branch drive thru on XXXX/XXXX/XXXX with a coupon and I wrote in bold letters " Principal Only '' in the amount of {$200.00}. After leaving the bank, I discovered it was processed as a regular payment. I then called the branch and was told by the teller, they have no button on their system to process " principal only '' payments on a home equity loan. I then had to call customer service and request the payment be reversed. I have been on the phone everyday talking to various customer service staff to see how to get my " principal only '' payments processed as such. 
I 've been told all payments will be processed as " regular payments '' and then they have to request that Branch Support Hot Line reverse the payment as principal. I was told this process takes approx. XXXX days. I then asked will the interest accrued on account be reversed and I was told, " No ''. Well in my mind, this defeats what I am attempting to accomplish if I 'm still accruing daily interest ( approximately {$8.00} per day, last time I was told ) and it 's not be reversed. 
I had a home equity loan with XXXX XXXX XXXX and we could make a " principal only '' payment anytime, at the drive thru or inside a branch, and my receipt would indicate " principal only '' payment. 
I think this is a way to collect more interest from their customers who have home equity loans with PNC Bank, NA. How could a bank in the lending industry not be able to service all loan customers in a fair and equitable manner? 
My wish from this complaint is that PNC will have to put in place an option for home equity loan customers to be able to make " principal only '' payments on their loans just as home mortgage customers have to option to do so. At the very least, if that 's not an option, then to reverse the daily interest accrued on account while waiting for payment to be reversed to a " principal only '' payment. 
I appreciate your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX 2015 I opened a credit card account through XXXX XXXX with Synchrony Financial. I immediately charged {$3000.00}. XXXX XXXX has continued to place charges on my account without my knowledge and Synchrony Bank is accepting these charges that put my account OVER and above the credit limit I was approved for. This has happened more than 2 times and the last was for a charge of {$2200.00} of which I had no idea about until I got the credit card statement in the mail. Separately I have contacted XXXX XXXX regarding the validity of this charge ( and replacement for a defective furniture received ). I can not understand why Synchrony would approve these charges that are over and above my approved credit limit ( which is {$9700.00} ). When I called Synchrony to report the unauthorized / fraudulent charge of {$2200.00} I asked to speak to a Supervisor. She was extremely rude and said " we can not control fraudulent charges made on a credit card ''. She refused to acknowledge that they could say NO when a charge is over and above the approved credit limit. I immediately requested my account be closed to further charges. They have since transferred that outstanding balance to a new account # and provided me with a new card ( for the new account of which I have no intention of activating ). My concern is that this amount that exceeds my credit limit is reported to the credit bureaus and will bring my credit scores down significantly since XXXX % of your sores is the ratio between your balance versus the limit. I do n't feel they are taking this issue seriously and while I have filed a fraudulent complaint regarding the {$2200.00} I am very concerned with their practices which allows XXXX XXXX to charge anything they want to a consumer credit card with no protection or consideration to consumers best interest.

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 2022-11-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/22 Chase bank allowed three unauthorized overseas wire transfers totaling {$1000.00}. They had to investigate that I did not steal my own money. They have determined that I in fact did not steal the money but they are not returning it to me. My son was also hit with wire fraud on the same day. His money was returned on XXXX/XXXX/22. I can get zero help from Chase when I call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
My late aunt 's estate had a {$5800.00} refund from a Wells Fargo settlement. I have mailed in the appropriate paperwork the WF team asked for And have yet to have any correspondence let alone the check that was issued and never recieved in XXXX of 2020. Please help me resolve this matter. I am the executor and sole beneficiary.

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 2021-09-29
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Ref ID - XXXX, Paypal restricted and/or put my account to limited status. I have previously requested a review/appeal of my case which was denied. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days is excessive, and perhaps a punitive abuse of power. May email linked to paypal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Company: ARVEST BANK GROUP, INC.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Apparently my mortgage was sold to another lender. There was no notification of the pending " transfer '' or the actual " transfer '' by either my " old '' lender, Central Mortgage Company or my " new '' lender ( as of yet undetermined. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/2022, I mailed out my FTC identity theft report to notify these companies that I am a victim of identity theft. I reported to them that I did not open or authorize this account, and I requested that it be closed immediately. I asked them to please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have sent a copy of my FTC Identity Theft Report. Because the information that they are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).

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 2015-11-16
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Sale of account

Complaint:
I opened a Care Credit card account in XXXX 2015 with an online application to match with my pet insurance. We visited the vet and had a {$110.00} bill, which I was told my insurance would cover a portion, and that Care Credit would handle the rest. I never received a single bill, statement, my card, phone call or anything from Care Credit during the following months. In XXXX 2015, I received a notice from a collection agency stating that they had " bought my account '' and were attempting to collect around {$500.00}. 
Apparently, when they opened my credit file, the charged about {$100.00} to the account from the vet visit/bill, and every month thereafter would add an additional {$85.00} ( approx ) to my bill for late fees, then at the 5-6 month mark sold it off to a collection company. 
I tried to call them and resolve the issues, but the management and supervisors at the place tell me there 's nothing they can do, because it 's already been sold. They also claim they sent out bills to me each month, but there 's no way to verify that they did or did n't. 
This entire thing stinks XXXX. How can a small bill for {$100.00} jump to just under {$500.00} in less than 4 or 5 months, then in turn sell it off as if it were a legitimate debt? Since my insurance did n't pay for any of the vet bill, I offered to pay them the original amount of what I owed them in XXXX, but they refused. 
I 'm not sure what I can do - but I absolutely do not think I 've done anything wrong here and I refuse to deal with a collection agency that has no legitimate claim to my bill, the total they 're saying I now owe, and if I do deal with them it will continue to show as a charge off on my credit. And, that I admitted to doing something wrong and that I paid off the collection account. 
SYNCB/CARE CREDITC/O XXXX XXXX XXXX, FL XXXX # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/2017 I was erroneously billed {$4000.00} for granite countertops. On the same day I was billed the correct amount for the countertops we had installed {$3400.00}. I filed a dispute with Synchony bank, but it was closed without me or the store ( LOWE 'S XXXX NC - Store # XXXX ). They sent me a letter stating that they trust the dispute had been resolved to my satisfaction. Nothing was done to resolve the matter. The charge still remains active on my account. I tried to contact them again today, but they could only offer to re-file my dispute. At that time I asked them how I could escalate the matter, and they did n't provide me with an acceptable response. I then asked them what government agency I could escalate the matter to. I was told the only way to submit a complaint was to them, which I know is wrong. I then found you guys through XXXX. I 'm hoping you can help, because at this point. I do n't think they are going to remove the erroneous charge.

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 2022-10-01
Company: EQUIFAX, INC.
State: GA
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 account ending in XXXX was opened fraudulently. I talked too the original creditor and they have stated in a letter that they did a fraud investigation and determined I am not responsible for this debt. The debt was sold to another compony called XXXX XXXX XXXX. Attached is my FTC report and the letter from XXXX XXXX Bank stating I am not responsible for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: Financial Credit Service, Inc.
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I received a collection letter dated XXXX XXXX XXXX from ARA Inc . This collection was in reference to XXXX file in the amount of {$13000.00}. This company has not replied to debt validation requests and are to cease and desist at this point in time seeing as how the original date of the sale of this vehicle was XXXX XXXX XXXX. This attempt of collection is well past the state of Oklahoma 's statue of limitations. I also want the proper debt validation that I never received then no further contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Professional Medical Management, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company keeps calling my cell phone even after I informed them via their automated recording that I do not give them consent to call my cell phone per my rights under the TCPA. Not only have they violated my rights, they are also harassing me even though I have been making payments each and every month since 2014 and have not missed a payment.

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 2016-04-14
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card
Issue: Payoff process

Complaint:
I usually take advantage of 0 % offers provided to me by multiple cards I own/have. Briefly, these offers provide 0 % interest for a fixed period ( 1 to 3 years ) for a small transaction fee ( 1 % to 3 % ), at which time the banks usually allow me to roll over the balances forward, if desired, for another small fee, by providing balance transfer offers/access checks etc. As a result, at certain times, I carry more than one 0 % promotional balance on the same card. I usually make payments in excess of the minimum, which are applied toward the balances expiring first, as banks understand that I paid a nominal fee to roll the balances forward. Payments are supposed to be applied to the balances with the highest APR ; and balances expiring first, even though at 0 % presently, would have the highest APR over the same period going forward, so payments are applied to balances expiring first, as per the credit card act. 
I have a 0 % promotional balance ( with a 3 % transaction fee ), as explained above, that was initiated a long time ago, that is expiring this year ( XXXX ) on the " XXXX '' issued by " Barclays Bank Plc ''. This card has a XXXX $ credit line, out of which XXXX $ ( about two-thirds ) is still outstanding, and the rest was paid over this period. This card recently sent me access checks and emails allowing me to transfer balances into my checking account by offering a 0 % promotion till XXXX for a 1 % transaction fee. I accepted the offer by transferring XXXX $ for a XXXX $ fee, and immediately made a big payment back to the bank ( approx {$2200.00} ) in order to pay off the promotional balance expiring this year, so as to avoid interest. My payment should have been applied to the balance expiring first, i.e. to the {$4600.00} outstanding expiring in XXXX. Instead, the bank is saying it has the authority to decide how payments will be applied, as all balances are at the 0 % rate, even though I paid a fee to the bank for essentially rolling the balance forward. 
I have made similar transactions with other big banks such as XXXX and XXXX XXXX, but Barclays is trying to cheat me by trying to charge me frivolous transaction fees to transfer balances, and still not applying the payment to the expiring balance after payment was made to them. Also, Barclays Bank is taking advantage of consumers like me, by giving me a 0 % promotional rate, albeit for a fee, and not applying payments correctly, in order to extort interest out of me at an exorbitant rate ( over 20 % ), even though I paid the transaction fees and made payments in excess of the minimum.

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 2023-03-29
Company: Experian Information Solutions Inc.
State: FL
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX, CARD # : XXXX, ACCOUNT NAME : XXXX XXXXXXXX XXXX ACCOUNT NAME : XXXX XXXX, # : XXXX ACCOUNT NAME : XXXX, # : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX # : XXXX ACCOUNT ACCOUNT : XXXX XXXX XXXX XXXXXXXX, # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX, # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX, # XXXX ACCOUNT NMAE : XXXXXXXX XXXX XXXX, # : XXXX ACCOUNT NAME : XXXX XXXX, XXXX : XXXX ACCOUNT NAME : XXXXXXXX XXXX, # XXXX XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX # : XXXX ACCOUNT NAME : XXXX XXXX, # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX, # XXXX account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : Also states that a Consumer Reporting Agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : No Consumer Reporting Agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a Consumer Reporting Agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-12-02
Company: Mercedes Benz Financial Services
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My name is XXXX XXXX. I am a resident of XXXX county Florida and the owner of a Mercedes-Benz car. I 've been in a tough financial times recently and fell only 69 days past due on my car loan. Mercedes-Benz financial services aggressively pursued my past due by contacting my ex wife who lives XXXX miles away, has not been seen in 7 years, is not affiliated to the loan, and that they do not even have her contact number. MBFS, also contacted my extended family including my 70-XXXX father in regards to my past due debt. All of these phone numbers could only have been obtained through public searches. These phone calls were personally disruptive causing terrible pain to my current fianc and unsettling my home. This personal violation was irresponsible, a violation of my privacy, and also is considered aggressive unethical business practices. I called Mercedes-Benz financial services and spoke with XXXX a collections XXXX specialist. While XXXX empathized with my situation and apologize for the individual violation, he could not remedy or change MBFS policy. I asked XXXX to elevate my concerns and for a call back from Mercedes-Benz by one of his managers. I would like that these kind of violation and these tactics are not to ever be used on myself or more importantly other consumers who have loans with Mercedes-Benz. I feel at the CFPB may be my only help to implement policy or legal changes so these kind of collection tactics are never used again. I feel that bringing to light these tactics may be publically embarrassing to Mercedes Benz as privately violated I have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
I applied for a private label credit card in store ( XXXX-XXXX XXXX, CA ) funded through Synchrony Financial ( formerly GE ). I received a promotional APR of 0 % for 6 months. The transaction was made on XXXX XXXX in order to take advantage of the XXXX XXXX special offers. Eleven Days later, on XXXX XXXX, I received my card in the mail ... along with a bill. I immediately called Synchrony Financial to find out where the mistake had been made. Here in lies the Regulation Z violation. My payment is scheduled for XXXX XXXX which allows me ONLY 14 days to look over the bill as opposed to the mandatory 21 days allotted in the verbiage of Regulation Z : ( ( 1 ) Periodic statements are mailed or delivered at least 21 days prior to the payment due date disclosed on the statement pursuant to 226.7 ( b ) ( 11 ) ( i ) ( A ) ). I have contacted Synchrony Financial and spoken to their legal department. They were unapologetic and would not work with me to remedy their blatant error. Which financial institution would set a payment due date for a new customer a mere 23 days after the initial opening of the account? Logically speaking this is a terrible business practice and Synchrony Financial needs to overhaul their business rules. Please help me hold Synchrony Financial accountable to the laws and regulations surrounding the legal collection of consumer debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have this happen every six months and it needs to stop this is violating my RIGHTS. I do not know what else to do. Transunion, your company has someone else social, addresses, accounts and name listed on my personal credit file. This HAS TO STOP! It is not fair to me. 
REMOVE THE FOLLOWING WHICH IS NOT ME Name NOT MINE XXXX XXXX XXXX SOCIAL NOT MINE XXXX MANY ADDRESSES TO MUCH TO LIST AND ACCOUNTS XXXX # XXXX, XXXX XXXX AC # XXXXXXXX # XXXX XXXX # XXXX. I CONTACT YOUR COMPANY IN XXXX AND IT WAS FIXED A COUPLE MONTHS LATER YOUR COMPANY PLACED ALL THE STUFF BACK ON. AGAIN NOT FAIR TO ME

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 2016-09-08
Company: DISCOVER BANK
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Hello, I graduated from XXXX XXXX XXXX in XXXX NY in 2004. I have been paying on the loan for the past 12 years, have paid off very little principal, the interest is adding too fast. I would like to get these loans forgiven because the school has gone out of business, the degree has no accreditation and no respect in the work world. I was defrauded by this company. I have federal loans from XXXX XXXX, and private loans with Discover.

Company response to consumer: Closed with explanation