BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-15
Company: PNC Bank N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
As a Pnc bank customer, I responded to a promotional offer which was to deposit {$300.00} in my account if I agreed to open the virtual wallet account with a {$5000.00} deposit. The bank representative, located at the Pnc XXXX branch on XXXX XXXX in XXXX, VA, did not give me paperwork or written materials on the offer, which was sent to me as an existing customer via email. So I opened the account, met the conditions as outlined but never received the {$300.00} promotion consideration. When I filed a formal complaint with Pnc bank I was told I did n't meet the conditions. I asked for an explanation of what conditions I did n't meet from the bank in writing. I 've never received anything in writing. The bank assigned someone to investigate my complaint. I have called this person at least half-a-dozen times. They 've never gotten back to me. That 's where it stands today. I do n't hear anything from Pnc bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Mercedes Benz Financial Services
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have an auto loan with Mercedes Benz Financial Services ( MBFS ). We overpay a little every month, and for a year and a half the overpayment has been applied to the principal. Starting in XX/XX/XXXX, none of our payments has been applied to either the principal or the interest. Instead it has been put into an overpayment account without notifying us ( because of overpayment next payment is not due until XX/XX/XXXX ). When I called them they told me that was their policy but could not answer why they changed it without notifying us. They could also not explain why I would be sending the payment if not to apply it to the principal and interest. They told us we would have to add a note to every payment telling them to apply it to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: AL
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 my most recent report with Experian, it still contains an employer I have never worked at. and two address I have never had or lived at. I have tried multiple times to correct this issue with them directly as an error could have just been a mistake, but now it appears to be negligence, and a malicious attempt to sabotage the integrity of my report, and my identity. 
A resolution has been attempted via mail, and has been ongoing for the better part of three years, but they appear to be okay with posting information from the identity theft issue that I dealt/dealing with, without any regard from them. 
I have sent them at least on letter every 30-45 days with no action on their part to remove the incorrect information, or verify that I have in fact lived at those addresses or that I worked at XXXX 
XX/XX/2022

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 2021-01-06
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I transferred XXXX Graph Tokens  from my XXXX  wallet to my Coinbase Pro wallet on XX/XX/2020 XXXX XXXX  +UTC. I checked on XXXX and it clearly states the transfer was successfully but the tokens did not reflect on my Coinbase account. I made several attempts to contact Coinbase customer service on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have even tried to contact Coinbase support on their XXXX page and there has been no response. 

Any help would be greatly appreciated. 


Transaction Hash : XXXX Case # XXXX Case # XXXX XXXX # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-03
Company: Stearns Ventures, LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX made 2 payments to my insurance company, one for {$610.00} and another for {$620.00} the second payment was without my knowledge. XXXX should have sent a second check for {$6.00} to make up the short amount. As a result of the second payment being made my mortgage payment increased. I have my payment set up on an automatic bill payment, and did not realize their mistake until I received a threatening letter that Loancare ( Sterns lending ) was going to start a foreclosure process. I call immediately and made additional payments to cover the increase escrow amount about {$120.00} and changed my future bill payment for the updated amount. I explained to the XXXX rep that I will not pay late fees for their mistake. The rep explained that I had to send my request in writing, which I did through email with no response. I 've I send another email that eventually I got a response that made absolutely no sense. I 've attempted to contact XXXX again multiple times by they do not have competent nor empowered representative to actually fix an issue. XXXX has charged me a late fee of about {$86.00} and have now charged another late due to the first disputed late fee not being paid of about another {$86.00}. Either XXXX is to incompetent to run an actual financial service company or the are deliberately corrupt, either way I 'm not having any success in getting them to correct my account and stop applying late fees and need help.

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 2022-10-18
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX # 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 written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-10-18
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-12-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked on numerous occasions, via email, to provide verification by producing a valid original instrument of indebtedness in its original form. All emails went unanswered. They are ignoring and/or overlooking my requests ; they keep resending, via standard mail, the same document, a statement, which is not a valid document to verify an account is 100 % verifiable and 100 % accurate per FCRA and FDCPA. In each and every month of the last 6 months, the account gets removed from my credit reports, to later be reinserted, with no reinsertion letter delivered within 5 business as required by Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX # 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 written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Direct Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Direct Recovery Services contacted my fiance 's brother about a debt I owed from 2 years ago. They mentioned that if I did not contact them it would lead to being served papers to go to court and that I only had 24-48 hours to contact them. When I contacted them I asked for proof of the debt belonging to me and I was hung up on. I was also promised that once the debt had been paid I would receive an email confirming the debt paid and closed, I still have not received my email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Now I dont know what I am supposed to do but I am a XXXX XXXX XXXX  that had the wrong XXXX XXXX XXXX when I was XXXX but I cant rent anything not even from rent a center, an old friend of mines used my social and now me being a XXXX XXXX with no family or people that will lend a helping hand given to me. i work hard for every XXXX I get but I cant do nothing to help myself, I am suffering the only thing I have ever been able to get on my credit is XXXX XXXX XXXX XXXX, in XXXX, then years later I go and check and it is all kinds if loans and things that if myself would jave applied for I would get denied. Im so XXXX of this Im almost homeless now. And I cant even borrow XXXX dollars, im tired and im at my wits end. i need help a new start everything is so hard for me and I am just sitting here watching everyone, happy.

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 2021-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may Concern, I have tried to work to resolve a charged off Credit Card originally held by Capitol One Bank. In XXXX I was laid off my job which required me to make tough decisions. I have successfully resolved debt issue with all creditors, except XXXX XXXX XXXX. 

Today, XX/XX/XXXX I call the company on XXXX and was disrespected by their staff, the intake workers denied my request to speak with a decision maker who could help me resolve this debt at a more favorable rate. I was offered to a settlement of a Credit card with an original balance of {$1000.00} currently valued at {$2000.00} by XXXX XXXX XXXX for {$1800.00}. I rejected the offer as the amount of the debt has fees and other balloon charges on an account that is currently reported unfavorably on my credit reports for over 5years.

I made an offer to pay {$600.00} and absorb any reasonable deficient balance as income chargeable to me on form 1099-C. I made this clear to the agents and I was told this was not an option. I made the agent that I was aware that he may not be able to approve the request and to transfer me to the department that can so this debit can be resolved today. He transferred the call to another frontline worker, who was rude and argumentative. I asked him to provide the internal complaint number or email and he refused to assist me with requested information. He Identified himself as XXXX and the only decision maker I can speak to. I made him aware that by his lack of engagement displayed behaviors that would not be found in leadership to transfer the call. I was deny and disconnected the call. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I came out of XXXX XXXXXXXX  in XXXX with approximately $ XXXX in XXXX and XXXX XXXX  debt. I worked hard to consolidate my loans to make my payments management. My best option was a consolidated FFELP loan with AES XXXX which provided a manageable monthly payment. I've paid my loan regularly and am now down to approximately {$33000.00} left. I was pleased to hear about the loan forgiveness offered by President Biden. However, through research, EVEN THOUGH THE CONSOLIDATED LOANS ARE FEDERAL STUDENT LOANS, I learned that the {$10000.00} forgiveness is NOT going to apply to my loan because it's privately serviced. I did the right thing to handle my finances but am being left out of a valuable program. This needs to change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My husband passed away in XXXX of this year. I went into the XXXX, Tennessee branch with my ID, his death certificate, our marriage certificate, and my birth certificate to prove my identity. I told them he had passed away and needed to close the account. They advised me that since I was not listed on the account, this request could not be processed, and they placed a block on his account. They have since depleted his checking account balance by charging monthly fees. This is their way of stealing the little money he had left. It should be illegal for them to do this. I went to the bank two times before this and changed his debit card and PIN. They never even ID me or blinked an eye that I wasn't on the account. Death is trauma alone ; I shouldn't have to be doing this to close an account. They shouldn't manipulate their clients by charging fees, so they don't have to give up the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: PNC Bank N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am the executrix of my mother 's estate. She died 18 months ago. She has XXXX accounts at XXXX. I have corresponded with them on several occasions and had to redo my request twice because of wrong dates, etc. About 3 weeks ago I sent all the completed paperwork. This week I decided to call to see how things are going. Over 2 days I spent XXXX hours and XXXX minutes trying to speak to someone at PNC. Most of the time I could not even manage to get through to a person. The automatic answer system did not allow me to request to speak to someone. Twice I got through and asked for the number of the department that handles estate issues. Both times I was given an incorrect number. The last time I reached someone, I simply explained my situation and asked for the phone number. In order to get a phone number from this gentleman ( he gave me an incorrect number ) I had to give him, my name, my address, my social security number and birth date. Out of the XXXX hours and XXXX minutes I had contact with XXXX people and total conversation with each was about XXXX minutes. The rest of the time I spent trying to get through the automated system. I still have not been able to speak to anyone about my mother 's money. The frustration of their automated system is horrible. I do think I should be able to speak to someone. 
Eventually I called a local branch and asked someone there to help me. The kind woman said she would get a message to the escalation department. The following day I received a voicemail from PNC leaving me a phone number and asking me to call back. When I called the number left on the voicemail it was to the PNC directory assistance center and she did not know anything nor could she help me. Eventually I managed to speak to the man that left me the message. He said he had no knowledge of why I called, did n't know anything and said he was n't given any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am a victim of identity theft, my sister, took my cards to XXXX accounts with pnc bank, she knew my pin because she knows I use the same pin for everything se withdrew cash, we look a lot alike and the bank would not credit that back to me, when they looked at film, she changed her XXXX to look like mine. There was XXXX in debits that were made by her that I have disputed and they are not returning everything, and the are putting my accounts in the negative, this is not my fault, I should n't have to pay for what was done to me.I should receive my credits, because I had n't used my card since XXXX because i had them closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: CITIBANK, N.A.
State: TX
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:
The company above reported a late payment for XX/XX/2020. I have requested a history of payments for my review and have yet to receive it. I have disputed this inaccuracy with XXXX XXXX, XXXX, and XXXX with no success. 

According to FCRA laws, I have the right to ask for a fair investigation and have not received one and that is why I am submitting an formal complaint. I want the late payment from XX/XX/2020 to be removed from all three credit reports.

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 2022-10-18
Company: EQUIFAX, INC.
State: NY
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 RECEIVED AN EMAIL FROM MY BANK TELLING ME THERE WAS A DECREASE IN MY CREDIT PROFILE. I DO NOT KNOW OWN OR GIVE AUTHORIZATION OF ANY OF THE ACCOUNTS LISTED. THIS IS UNAUTHORIZED USE OF THE SOCIAL SECURITY/ CREDIT CARD PURUSANT TO 15 U.S.C. 1602 ( L ) AND 15 U.S.C. 1602 ( P ). THIS IS UNAUTHORIZED REPORTS ON A PUBLIC CREDIT SCORE. WHICH IS A CRIMINAL LIABILITY PURSUANT TO 15 U.S.C. 1611 FOR WILLFUL AND KNOWING VIOLATIONS OF THE FAIR CREDIT REPORTING ACT. I HAVE FILED A IDENTITY THEFT REPORT WITH IDENTITY THEFT.GOV. PLEASE SEE THE ATTACHED. I HAVE REPORTED THESE COMPANIES THIS WEEK. THIS CORRESPONDENT IS FOR THE VIOLATIONS THAT EQUIFAX, XXXX, AND XXXX HAVE COMMITED. PURSUANT TO 15 U.S.C. 1681 ( n ) ( a ) ( 1 ) IT IS A {$1000.00} FOR EVERY VIOLATION. I DEMAND TO BE COMPENSATED FOR DAMAGES ASSOCIATED WITH THE 3 CREDIT AGENCIES LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: PNC Bank N.A.
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company sold my loan to PNC mortgage in XX/XX/XXXX. My original contract which was signed when I purchased my home states I will agree to carry flood insurance to cover the outstanding balance of my loan for the life of my loan. When my mortgage was sold to PNC Mortgage they told me this was not sufficient and I would need to increase my coverage to include the replacement value of my property or they would purchase it for me. I feel PNC mortgage has changed the original agreement of my loan after purchasing it from United Wholesale Mortgage. I sent them a letter explaining the situation but they continue to send me responses that I need to increase my flood insurance coverage. At one point PNC mortgage 's insurance department insisted I had only {$60000.00} worth of coverage and would need {$180000.00} worth of coverage when my insurance company sent them several documents reporting my coverage at {$110000.00} which is the amount which I have always had for coverage since the purchase of the property in XX/XX/XXXX. I feel this may be due to a kickback situation.

Company response to consumer: Closed with explanation