BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-28
Company: Alliance One, Inc.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting debt collection calls from the telephone number XXXX. 
I told them they have the wrong number and the person they ask for is not at this number, but they just keep calling. 
The most recent repeat dates on my call log XXXX, XXXX, XXXX, and XXXX ... but this has been going on forever it seems. 
How do you stop harassing phone calls at almost XXXX at night?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I am in the process of getting a new home loan with PNC Mortgage. I have been waiting for loan approval for 65 days ( after conditional approval went through with no difficulties ). Further, the loan officer and processor will not answer phone calls or emails, and will not tell me a closing date. The initial closing date estimate ( XXXX XXXX ) came and went, and now I 'm out of my apartment and not in the new house ( essentially homeless ), living at a hotel and incurring costs and time off work. The new home builders are ready to close, as am I. 

PNC help lines will not respond to my calls, and I have caught them in lies ( through parallel communication with the lawyers doing the title work ) on a number of occasions. 

I know this probably is n't the right outlet, but at this point I do n't know what else to do. Continued hotel costs may put me at financial risk. PNC will do nothing to help me, and I 'm afraid that pulling out and going with a competitor will incur severe penalty fees. ( They have not discussed any of these steps with me throughout the process. ) Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Bank of America ( possibly other banks ) use antiquated timeframes for transactions to clear my checking account when using my debit card and/or routing number with bank checking account number as an electronic funds transfer/transaction forcing me to wait XXXX hours or as many as XXXX hours to show online and deducted from my available balance. This causes me to waste my own personal time, which is money, and my ability to enjoy my life, pay for items I need such as food, transportation and clothing. Think about it, before I can conduct a transaction the cashier or online website must contact the bank to verify I have the funds to complete a transaction in seconds. However Bank of America does n't have to show it online in my bank account for 1, 2, 3 or more days, possibly 5 business days ... how is this even legal in the digital age? If I am using an old fashioned method like a paper check maybe, but even then the casher runs my check through an electronic machine to verify I have the funds ... then why are n't banks like Bank of American required to show the amount verified and reduce that from my available balance immediately? We consumers need this and in this digital age we all know it is possible. For example, when I pay my XXXX cell phone bill it clears my Bank of America account almost immediately ( less than XXXX minutes online with my checking account ). Why do n't all my electronic transactions clear like this, there is no reason other than Bank of American holding out as long as possible to post the transaction to earn interest on millions of account holders or worse to cause us to forget we made that transaction so we have to go into overdraft and pay {$35.00} in overdraft fees, or even worse still up to {$100.00} in fees if there are insufficient funds and both Bank of America and the vendor I was trying to make a purchase charge me $ XXXX {$35.00} insufficient funds charges and still do not pay for the transaction! I need someone like the CFPB to make sure Bank of America makes all electronic transactions " electronic '' and in " real time '' like my XXXX online payments to clear and post within XXXX minutes not 1-3 days. This is costing me time and money, it is wrong in todays world. If my account can be verified for available funds in seconds then when that same transaction is completed that must appear as reduced from my account at that moment not 3-5 business days later.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: PNC Bank N.A.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
This Complaint is against PNC Bank. 
In early XXXX 2015 I received a credit card offer in my minor son XXXX XXXX name. He was XXXX years old at that time. Also to add insult I received this mail at my physical address in which I do not receive any mail there for security reasons I receive my mail only at my XXXX XXXX XXXX. 
On XXXX/XXXX/2015 : I called PNC Bank at XXXX and spoke to XXXX XXXX at the XXXX XXXX XXXX and filed a complaint. He just apologized and could not give any reassurance this will not happen again or how it happened. 
On XXXX/XXXX/2015 I received the attached email from XXXX XXXX XXXX Escalation Specialist but to no avail. He informed me of the same above. 
On XXXX/XXXX/2015 I spoke with a lady representative from PNC Bank at XXXX and she could not explain how my minor child was getting these credit card offers. 
Now on XXXX XXXX, 2015 I received another credit card offer in my minor son name at my physical address. 
This is complete fraud. I have a PNC checking account and my son is POD on the account. This is the only information PNC has on my minor son. Why are they sending him credit card offers after I addressed my concerns with them in XXXX 2015. Also why to my physical address when I never get mail here. All my mail in regards to my checking account goes to my XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: PRIMARY RESIDENTIAL MORTGAGE
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX Security First XXXX  submitted a premium invoice to Primary Residential Mortgage Inc, ( PRMI ) at XXXX requesting payment for the property locate at XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

On XX/XX/XXXX Security First XXXX  submitted a second premium invoice to Primary Residential Mortgage Inc, ( PRMI ) at XXXX requesting payment for the property locate at XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

The non-responses to said invoices resulted in a lapes of the home owner insurance policy, requiring an out of pocket payment to ensure reinstatement. 

A phone conversation with XXXX at PRMI on XXXX @ XXXX revealed PRMI had a system failure which deleted all information regarding insurance escrow payments. XXXX stated all customers needed to resubmit their home owners insurnace information. Notificaitions regarding sysytems outages or rquests for home owner insurance informtion was not received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
About two weeks ago I see on my bank account that XXXX had taken out {$210.00} or so and I was thinking for what, because my wife always pays that with her card! I do n't make much money, and I am XXXX XXXX XXXX already. I called XXXX and they charged both our accounts and they said theycould n't do anything about at this point and call my bank to get my money back! So, I do so and the customer service rep was horrible! I said I wanted to get my money back cause I did n't and never authorized this charge, and right away the rep tells me to call the merchant, and I explain I did, and then the rep says we ca n't help you and hangs up on me! I was thrown back. I know bank of America and me had our differences before, but they took care of me in the end I wo n't lie, but this time I need the same help. I am old and live on a day to day basis. I ca n't afford to loss money like this! I just hope they reimburse me that money back, cause I love bank of America and want to be with them long term as a customer, but when I call thinking I will get help on my situation and it does n't happen. These processes are not fun, and I do n't try to get over on anyone, I just know when a wrong doing was done, and hope when they do happen my bank had my back as a loyal customer!

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 2016-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
A deposit for the amount of {$2300.00} was sent to my account XXXX during the XXXX. That evening I wrote a check in the amount of {$300.00}. The following morning I received a NSF notice. It showed the {$300.00} had been paid, but the fee was charged because of " posting sequence '' I call and spoke with customer service and was told the fee would not be returned. While on the phone on the representative I noticed the {$300.00} was credit back to my account. I ask to speak with a supervisor and he stated that " they tried to pay the {$300.00}, but were unable to ''. So, now I really confused. I do not if BOA actions are illegal, but they are definitely unethical.

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 2016-12-09
Company: Bridgecrest Acceptance Corporation
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have been having my car payment auto-deducted from my checking account every 2 weeks for the past several years from XXXX. I recently paid off the vehicle last month. 2 weeks after the vehicle was paid for, I received another deduction from my account for a full payment. The last payment was overpaid by a little over {$20.00}, and XXXX ( Bridgecrest ) sent me the remainder before I even asked about it. Right before I received that check in the mail, I had this full payment auto deduction, and it has been a constant battle the past 2 weeks to try and get my money back. The company said they were sending me a check 2 weeks ago for the {$170.00}. I called back to check the status of this, and they said they never sent a check, as they were waiting for me to send a bank statement. This was not what I was told in the beginning or else I would have given them my bank statement. So I sent them the bank statement, and a lady said she would overnight my check to me. I have called back several times since then. It has been 3 days, and I have seen no check and after calling the lady all day today, all of a sudden I can not get a hold of her or anyone in management. I have NEVER had a late payment with this company, and I all I wanted was the money that they wrongfully withdrew from my account. I have taken time out of work, and family life to get this little money, and I have gotten nowhere. This company specializes with poor and no credit customers, and they think they can get away with this because we have no other options. As I paid 18 % interest with {$2200.00} down on a significantly overpriced vehicle, I will not be treated like a second class citizen by XXXX, Bridgecrest, or whatever else they want to call themselves.

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 2016-11-24
Company: Credit Center, LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Credit Center of XXXX XXXX XXXX, XXXX CT XXXX are claiming that I owe XXXX to an company named XXXX XXXX. I have requested that the verify the amount of the debt and the name of the creditor. They have not provided me with any information and have continued to send notices to my address demanding payment. The third letter is dated XXXX XXXX, 2016 and yet have never provided any verification that the debt is truly owed by me. 
The first letter from them is dated XXXX XXXX, 2016 and my response letter was dated XXXX, 2016. Subsequent to this I have received two additional notices demanding payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: LEXISNEXIS
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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: DE
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:
I made several phone calls to Equifax through out the month to try and explain my situation in detail. After several hours of being on the phone nobody from Equifax was able to point me into a direction to get this resolved. My current situation is : Equifax is reporting my twin sisters information which is preventing me from qualifying for any type of loan. Me and my twin sister have a very similar social security number as well as the same address and the same initials. With the personal information being my sisters, all the accounts ( closed and open ) are my twin sisters as well. The lender that I am working with for a mortgage pulled from XXXX and his results also have my twin sisters information. I am pulling my information through myequifax.com. XXXX as well as XXXX have all of my information reporting correctly. As of XX/XX/2022 I have filed 15 disputes on my credit file through my equifax.com. I called and talked to equifax multiple times they state that my information is correct but clearly this isnt accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I paid off a loan 9 years ago and had XXXX negative entry attached. The last date reference this account should was XXXX2006. I have asked Bank of America to remove the information off my credit report. The mortgage was to XXXX XXXX XXXX XXXX XXXX It never went to collection was in good standing. I want nothing more to do with Bank of America and they she be held accountable for reporting this negative and will not remove it. It 's going into its approaching 10 years

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: Castle and Cookie Mortgage LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My escrow payment increased significantly from one month to another without warning. I still do n't understand why this issue could have been avoided. After several calls to my mortgage company Castle & Cooke I remain confused with the lack of customer service provided.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls my work phone and cell phone back to back XXXX4 times daily. I attempted to call this company to make arrangements and they refuse to give me their mailing address to mail in payments. I was advised the only way they would accept payments was via my bank account or via XXXX XXXX which will cost me more money than is necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: I.Q. DATA INTERNATIONAL, INC.
State: NC
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:
Re : IQ DATA internationalAmount : $ XXXXXXXXAccount # : XXXXHello, My name is XXXX XXXX . 
I am writing again to have a XXXX item reviewed and removed from my account. I complained previously about the particular account being the result of Identity Theft and yet this is still listed on my credit record. 
To date, this has been XXXX of the utmost frustrating and wild experienced I have ever been through. It has since caused my much stress, aggravation and sleepless nights. A police report was filed identifying the Theft and I have been advised that if this is not removed, I will have recourse to file a Suit for defamation and harassment against the XXXX and IQ data International. 

Please find attached the Theft report from the local police department. This entry should be permanently removed and blocked from any and all files containing my name and Social Security number ASAP. 


Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This showed up on my credit reports. I have never heard of these people. I have no contact information, there web site does not give a mailing address. 
How can I get legal validation if there is no way to write them?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: ONLINE Information Services, Inc.
State: NH
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 filed a complaint on XXXX XXXX on this site. I asked to have Online Information Services to do a validation check as I do not owe this debt. They replied back and submitted a XXXX page document as a validation check. There is zero proof that I owe this debt. This is totally unacceptable. And to top it off, the debt is passed the statue of limitation. They are not even suppose to try to collect this debt. 

The ridiculous validation that Online Information Services provided is attached on this portal. Edit, I could not attach for some reason, but see Case number : XXXX - Online Information Services has not given any explanation and show me how they calculated what they say I owe. 

- Online Information Services never gave me the original creditor 's statements, contracts, copies of checks, complete payment history. 

- Online Information Services never demonstrated that this debt was not claimed as a loss with any insuring entity. 

- Online Information Services never Indicated if the debt is assigned or purchased. 

etc. 

This leads me to believe that this is fraudulent. Online Information Services is trying collect a debt that is not owed, and is out of the statue of limitation!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
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 given enough info to verify debt

Complaint:
The company has been refusing to properly validate a debt that has been on my credit report for a long time, and I have been damaged as a result. The company claims that I had an original account with some other party and they have been assigned the right to collect it. They need to provide proof of everything about that to me. They need to provide the original contract between them and the original creditor with a true signature and a signature of a qualified employee of that original creditor, they need to provide the full accounting, they need to provide proof of the assignment or the purchase they made from the original creditor. The right of subrogation does not exist for a stranger to the transaction. XXXX XXXX XXXX, XXXX XXXX. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. I have never done business with this company and I have no idea who this company is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was Modified by BOA, the agreement was to make XXXX payments on time, On the fourth payment they were closing out the old loan, took my payment, applied it to principal and then said I had to make another payment and that they could not fix their mistake. I spent two years trying to get it corrected with the help of the local bank and they reversed it and sent an apology letter. One month later they reversed it back, I refused to make a payment for two months until they corrected it and then at that point gave up and started making payments, they then sold the loan to XXXX which is even worse than Bank of America. I have since then caught up on all my payments, but XXXX is trying to charge me XXXX in Late fee 's.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-13
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Several weeks ago I requested information on a loan consolidation from XXXX. They informed me that there was a Bankruptcy indication on my SLS, ( Special Loan Servicing ) account who services my XXXX mortgage, thus, XXXX denied me a loan until this matter is resolved. However, I have never missed a payment or ever filed for Bankruptcy at anytime in my life. I contacted SLS who has only delayed in admitting they made a mistake and to contact XXXX and the Credit reporting companies to correct this grievous error.

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