BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-15
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Tried to re-connect my PNC bank account to XXXXXXXX XXXX  XXXX, so that I could pay some bills that were due the very next day. I signed into my bank account with my username and password, then I had to enter in the security code provided by PNC through text ... ..but it still wouldn't re-connect. So now I'm facing disconnection for 2 important bills because I can't use XXXX XXXX XXXX to get a temporary loan. I signed into my PNC account to send a message and almost 22 hours later, I haven't had a reply back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX has repeatedly called me for the past 2 months ( XX/XX/2022 to date ) every Friday trying to collect on a credit card debt from several yrs ago. When I did talk to them they required me to tell them my mailing address, last 4 of my social or the full account # on the card. I informed them that I did not feel comfortable telling them my address but I did give them the last 4 of my social. The gentleman indicated that was not enough and required the full address. I again stated I was not comfortable with that. He stated that he couldn't go any further with my call. I stated I was sorry to hear this but again I wasn't comfortable provided that information on with the call. I also explained to him that I had lost my job 2 weeks ago and that even if we could proceed with the call, I had no money to give them for the debt. He stated that they wanted to work with me but again needed my address. I stated I got his letter in the mail so with that verification, could he move forward with just the last 4 of my social and that? He stated he could not.

I ended the call with apologizing to him and hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-08
Company: Platinum Holdings Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This particular gentleman who called himself XXXX XXXX contacted my employer specifically my boss and assistant boss and revealed information that I owed a bad debt and verified my employment threatened to take me to jail. I have XXXX voicemails and several screen shots of where this gentleman has called me numerous times in a XXXX minute span. Threatening voicemails he leaves in my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Foris DAX, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2022, I added {$32.00} to my prepaid visa card that was issued to me by Crypto.com and they immediately " blocked '' me access from the funds and the card. I've reached out to them and they are demanding I take a selfie while holding my primary card from my main financial institution. 
There wasn't an issue with adding funds to the prepaid card previously and there wasn't an issue with buying {$100.00} worth of XXXX XXXX from Crypto.com and now they want me to send pictures of myself and pictures of my credit & debit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We can not get Suntrust or Truist to remove PMI from our loan. It has been over a year at this point. This is the third CFPB complaint we have tried to file and they always say they'll work with us, call once, and then stop. They need to remove the {$170.00} PMI payment as our home is worth almost twice what we owe now. We have sent in checks TWICE for the {$100.00} cost for the broker 's opinion service they say we need, but they are not cashing the checks, and they do not continue to call or respond when we try to figure out why they aren't cashing them or what the next steps are. This is intentional. We have called many many times, used the chat, used secure messaging, and gone in person- all many times. We do exactly what they say, and then the next person we talk to laughs about it and says " oh we don't do it that way '' or " oh that was the wrong number '' or " we never even look at those secure messages ''. This needs punitive damages. We can not force them to work with us - the next step is to just stop paying that amount, and then they'll say it's the principal we aren't paying instead of that fee. We want this refunded all the way back to last year with interest. It's been more than 12 months of fighting with this company and we have done everything they have asked us to, times a dozen. The ONLY thing that gets them to respond to us is when we file a CFPB complaint. We have no other choice.

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 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have called XXXX numerous times in XXXX XXXX XXXX XXXX XXXX and XXXX and now its XXXX I sent them a certified receipt requested return receipt requested with my complaint one dollar delinquency reported to all three of the following XXXX XXXX reporting agencies also I have collateral damages from this lowered my beacon score my credit score of my FICO score XXXX points however I went to apply for a loan this week for a new car much higher rate of interest because theyre showing the account is delinquent one dollar which was paid in resolved calls agreed to delete it still remains on the Credit Bural report and no response from them for six months even given them a certified receipt

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 2022-07-21
Company: Experian Information Solutions Inc.
State: WI
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:
I went to a dealership to apply for a car they advised they would only run my credit for XXXX XXXX but they ran my credit through numerous companies. these are the inquries XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I am trying to contact my bank regarding a dispute. I am calling the number on the correspondence I received in the mail from the bank. When I call, I get prompted to leave a voicemail for the Merchant Disputes XXXX department, but the voicemail system then plays a message that says the mailbox is full. This has happened several times over multiple months. I called the customer service number for my bank and got a transfer to the disputes department ( onshore ), and told them that I was trying to reach the agent working my dispute offshore. I gave them the same information from a letter I received, dated XX/XX/XXXX, and they were also unable to get through. The number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
He said hes from a collection agency and said i owe some debt, he basically put interest in all my assent from my car payment, my mortgage my utilities. Basically everything I own. Now I found out hes been going into my bank account and withdrawing large sums of money. Taking out loans and all of my direct deposits from my irs refunds. And taking out escrows from my house trying to put my mortgage into default with use of authority and extortions.

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 2016-02-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
During the process of doing an assumption of a mortgage loan with Penny Mac, they pulled my credit twice within a three ( 3 ) month period. This was not needed, acknowledged as an error by their employee XXXX XXXX XXXX # XXXX, yet never removed from my credit bureau and is reporting as showing until 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: ACS Education Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been a XXXX. I have a consolidated loan with ACS stemming from my XXXX years to my XXXX to a XXXX. Over the years, I have had an extremely tenuous relationship with ACS. Many times, they have overbilled my monthly payments from {$300.00} - {$2900.00}. Consistently I have given ACS information about my income paying what I can. I might get two or three payments underway and then all of a sudden, an exorbitant monthly payment increase ; of course, I would not be able to pay - essentially underpaying, and then as a result, penalties accrue. I contacted XXXX XXXX, the mother company of ACS, the latter part of XXXX, and had ACS work with me regarding a reasonable amount. This past several months has proved to be no different ; I applied for an IBR income sensitive application at the time XXXX XXXX, and I was paying every month {$72.00} every month since then including the last payment was XXXX XXXX, XXXX. Lo and behold, I log into ACS Sunday XXXX XXXX to make another payment and again, I was being billed {$2900.00}. The website would not allow me to make my monthly payment that I had been making throughout the year. I have no idea what is even my real principal balance at this point. There have been so many years of late accruals and I have gotten deferments, but it has been a vicious cycle to always not being able to pay my loans. Please, Please, Please I am begging you to help me ; I am so tired having to fight this exhausting battle. I have been in XXXX for so long and worked for XXXX for over 10 years. I have dedicated my life to XXXX and to give ; XXXX is my passion and gift. I feel like I am being penalized for this because ACS has denied my chance to have my loans forgiven previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
just received a notice from Gulf Coast Collection Bureau Inc. stating I owed {$58.00} for a XXXX on XXXX/XXXX/15. I am on Medicare and Medicare Gap so would not have any outstanding bills. Also never ever received a notice regarding this {$58.00} until today ( one year later ). Checked their background and found many, many complaints with the same issue. Clients had paid their bills. 

I 'm concerned that this will affect my credit rating. Hopefully they can be removed from the collection business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Received multiple offers from Ditech ( who currently holds my mortgage ) for a re-fi at a lower rate. Called them and was approved, received papers, signed and returned. 

No word for several weeks. Contacted again and was told I was denied because there was a " business '' on the property, which was there when we re-financed through XXXX, which got passed on to XXXX XXXX XXXX XXXX XXXX, etc., and then wound up with Ditech. How can they turn me down as they hold the mortgage? I am currently at XXXX % and need a lower rate to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I 've tried repeatedly to reduce the interest rate on my student loans, have been denied and advised to take out a personal loan. With a bankruptcy on record, this is not an easy endeavor. I have paid {$21000.00} in INTEREST on my student loans ; {$3400.00} has been applied to the principle. This is absurd, and I will NEVER be able to pay this off w/out getting a personal loan - which I should NOT have to do. I worked hard to earn my degree, and have a stable, steady job XXXX. Apparently, because my payments are not XXXX % of my total monthly in come, I do n't qualify for any of Obama 's current programs. I feel like I 'm just XXXX, and have no way out. I am submitting a complaint because I think being locked into an absurd interest rate because of the US Government is just ridiculous and totally unfair. I thought the point of earning my degree was to enhance my career and future. All this has done is hold me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account Bankruptcy XXXX  XXXX, US BKPT CT XXXX XXXXXXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 wrote to ll three credit reporting agencies for the removal of unauthorized credit inquiries on my credit report. My latest credit report shows 4 credit inquiries that I did not authorize and/or an unauthorized duplicate inquiry. Below are the disputed the inquiries and I ask for their removal from my credit report. 
Creditor Date Comment XXXX XXXX XX/XX/XXXX did not authorize XXXX XXXX XXXX XXXX XX/XX/XXXX did not authorize XXXX XXXX XX/XX/XXXX duplicate inquiry ( unauthorized ) XXXX XXXX XX/XX/XXXX did not authorize XXXX XX/XX/XXXX did not authorize My letter was sent over a month ago yet these items still apprear on my report. I need your assistance to get these items removed.

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 2015-03-20
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
They have been calling me XXXX times a day, XXXX every hour on the hour from XXXX to XXXX. Sending mail to my house, looked up my mother, brother and father on public record and called them about my loan, call from a blocked number and have lied about it. Lied to my brother saying I listed him as a reference ( I did not ). Then when I asked how they got the information, they told me they looked it up on public record. I told them it was XXXX, they told me it was not. I have emailed them saying it 's XXXX, yet they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We lost our home due to foreclosure in XXXX with issues that started in XXXX. I recently learned about the lawsuit filed against OCWEN mortgage company and some of those reasons align with the reason we lost our home to foreclosure. 
OCWEN was misleading and dishonest about our interest rate, deceitful about foreclosure alternatives and improperly denied us loan modifications, charging unauthorized fees for default-related services all of which resulted in foreclosure. We were not treated fairly or given proper information. They put no effort into helping us keep our home, therefore we felt forced to choose foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from Central Financial Control I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Central Financial Control in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My XXXX XXXX XXXX township taxes were due on XXXX/XXXX/2015 according to the tax bill dated XXXX/XXXX/2015. Up to this date the bill has not been paid from my escrow account. On XXXX XXXX I called Ditech and I was advised to send a request via fax with the tax bill to their " tax research '' department. I was advised that within 10 business days I will have a resolution. Nothing has been communicated to me, so on XXXX XXXX I called again where I was told that the tax bill has still not been paid, however they could n't tell me why. I requested for the request to be escalated and I was told that in 3 business days I will have a resolution. I also requested to talk to the supervisor where XXXX assured me that he will personally follow up to ensure that the bill is paid. On XXXX XXXX, XXXX called, telling me that he does n't have an update, and that hopefully by Monday he can give on update. Today, Monday XXXX XXXX, I am being told that payment was fedex-ed to the township on XXXX XXXX. I called my township, where they stated that Ditech requested a tax certification ( which the township provided ) and that the payment was still not received. This is beyond frustrating and no one at the costumer service line can tell me why the payment is not being made.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: GMA Investments, LLC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have been dealing with Summit Receivables for almost a year now. They claim I owe on an online payday loan. I have requested proof of the debt two or three times. I did have some debt so I took their word for it and set up payments. They would only take payments by me giving them my account information and making automatic deductions. Immediately I had issues with them taking payments at times that were not agreed on. I have tried to work with them several different times. I would not set up any more payments with them until I receive proof of debt. As of last month, they attempted to pull funds from my account XXXX different times, even though I have not given them permission to access my account. I have been told different things in regards to proof of debt. At first, they said they do not send anything through the mail, only email and then later said the account states I have been mailed proof. I did receive an email giving me their business license. I have never received anything in regards to the actual debt. If this is a legitimate debt, I 'm sure payments have been applied and it seems I should have a right to know what that account looks like. I 've asked them to not call me at work as I am not allowed to take personal calls at work. They have continued to call me over the months at my job. Today I received a call at work telling me that I owe money. When I explained the situation, I was told because I have made payments, I do not have the right to receive proof of debt. I was also told that my employer would be contacted. The representative was very rude when I asked for my right to receive proof and reminded him that my account should be noted that I have asked to not be called at work. He said he was turning it in as a " failure to comply '' and to expect a lawsuit. He also claimed they have called my phone several times but I have not received any messages from them in a few months. I have paid off debt with other agencies and I have never dealt with anything like this. I have looked them up and they seem to be a real company but their practices are very questionable and seem to disregard my rights time after time. I filed a complaint with the XXXX several months ago and they would never respond to my actual complaint of them disregarding my rights. Instead they responded saying they would stop contact on XXXX of the loans. They claim to have XXXX separate loans.

Company response to consumer: Closed with explanation