BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-29
Company: PNC Bank N.A.
State: ME
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am filing this complain against PNC bank for predatory loaning. 

XXXX years ago I applied for the XXXX of XXXX loans with PNC so that I could attend XXXX XXXX. I felt like I had a chance to get a XXXX degree in a subject I was more interested in and that would pay better. At the time I was making less than {$30000.00} a year working in a XXXX XXXX call center. I had XXXX of dollars in private and federal loans from my XXXX degree. They gave me about {$13000.00}. While I was in school the XXXX XXXX continued to raise their tuition and I was running out of federal aid. PNC offered more money if I had a co-signer. My parents co-signed but were in no financial shape to be accepted, PNC accepted them anyways and gave me about {$22000.00} then {$25000.00}. My parents went bankrupt within a year of co-signing the last loan and I lost my housing. I did n't realize how bad it was until I tried contacting other loan companies such as XXXX XXXX for help to get back into housing and I was told that my debt VS my projected income was not viable and that I would not be able to replay the loans. XXXX XXXX told me they would not have given me the loans I already had, even with my co-signer. I truly belie that PNC gave me my student loans knowing fully that I would not be able to repay them due to theprojected income of my career and my existing loans. 

To make things worse XXXX did n't give me the skills or tools to get a job in my field. I do n't know if PNC and XXXX are connected but it felt like they were both pushing me to become more in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: PNC Bank N.A.
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
PNC Bank continues to XXXX customers ' hard earned money, while pleasuring their XXXX pockets. Their sly way of theft is worse than a middle-of-the-night intruder, stripping your home of its valuables. They get away with charging overdraft fees on pending transactions. They allow " retries '' on unauthorized debits that THEY have returned due to insufficient funds, resulting in NUMEROUS overdraft and return fees. It 's a vicious cycle, mastered by PNC to STEAL your money. 
XXXX and XXXX by PNC Bank. Justified theft by " fine print '' and NO help for the victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: NV
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 is my XXXX CFPB complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit reporting agencies are require to remove any item which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are fraudulent : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Also, the Credit Reporting Agencies have claimed that the disputed items belong to me and that the items are verified by the Data Furnishers themselves. However, as my request indicated in my previous CFPB, the Credit Bureaus should send me copies of proof of verification or proof of ownership bearing my signature, in which they have failed. The Credit Bureaus have continued reporting the disputed items claiming to be verified. This action of the Credit Reporting agencies is a clear violation of a consumer 's rights under the Fair Credit Reporting Act. I am submitting this CFPB complaint to request to the Credit Bureaus to remove the disputed items from my Credit File as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Company: PNC Bank N.A.
State: NJ
Product: Credit card
Issue: Balance transfer

Complaint:
I made a balance transfer of approximately {$6300.00} to my PNC XXXX XXXX card using a PNC balance transfer check. The balance transfer offered 0 % APR through the XXXX XXXX billing. When I received my XXXX XXXX statement, I noticed an interest charge of {$72.00}. I called customer service for an explanation and was told that the 0 % balance transfer offer had expired for the check I used. Upon examination of the balance transfer checks used, I noticed an expiration date was NOT posted on the checks. Information on the page that the checks were printed on stated that the balance transfer checks were only good for 90 days after opening the account, therefore the interest charges were correctly applied. 
My complaint is that most, if not all banks, clearly state the date for which the balance transfer checks are good on the face of the check. PNC did NOT include an expiration date on the face of the balance transfer checks making it much more difficult for the customer to realize when the checks expire. 
So in total, I paid PNC bank {$310.00} ( {$240.00} balance transfer fee + {$73.00} interest ) for the " privilege '' of transferring to a high rate 13 % PNC card. I was now forced to pay off the {$6600.00} balance due to the high PNC 13 % interest. Basically I paid PNC {$310.00} for no good reason. 
I wrote a complaint letter to PNC and a customer service representative contacted me at the end of XXXX XXXX stating that they did receive my letter. About a week later I placed a call to the representative and left a message requesting an update on the status of my complaint. As of this date, I have not received a call back nor a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I got behind on my mortgage regarding varies situations, I then requested a modification, I summited all the information requested and was told that I did not make enough money and because I have equity I should liquidate, I summited the amount of income {$4100.00} per month and debt/expenses {$3200.00}. I 've had my home for 13 years and do not wish to lose or sell my home. my interest is at 6 %, I have just been XXXX in my home which will increase my income and I have eliminated some of my expenses. I moving in the right direction, but I feel that PNC have not giving me a fair assessment on their reasoning for denying the modification states that I make {$3100.00} which is incorrect. I welcome your opinion and any assistance in this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: PNC Bank N.A.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter from PNC Mortgage on XXXX XXXX, 2015 stating that I needed to provide documentation of an insurance policy that my home owners association holds for the condominium complex. After contacting my HOA and their insurance agent this document was sent on XXXX XXXX, 2015. I received secondary notification of the charges about to be assessed to my mortgage account when they purchase insurance to cover this portion of the property. Upon this notification I contacted PNC to determine if they had received insurance information as requested. They indicated they had not. At this time I called my HOA president and their insurance agent to inquire about proof of insurance. They indicated this had been sent previously via fax ( an option in the request to provide proof ) and offered to send again. I waited a few more days to allow for processing time, and called PNC. Their customer service representative they were still not in receipt of the document. He also indicated that in order to ensure that these documents were received I should instead submit via an online portal. If PNC is not going to accept faxed proof of insurance they should not provide it as an option to submit documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: BMW Financial Services NA, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
After filling Chapter XXXX Bankruptcy, Alphera Financial Services/BMW was notified. I maintained communication with the company in an attempt to renegotiate the car note. My payments were timely prior unforeseen medical hardship. I inquired about having XXXX notes wrapped to the end of the contract and was successful. In XX/XX/XXXX, I attempted to get the vehicle refinances in-house and via other finance companies sources. Meanwhile, agents from Alphera called me relentlessly on a recorded line despite my demands the agents to cease and desist. I was told that I would continue receiving calls until payments were brought current. I removed my phone number from the online account but calls continued. I sent 8 emails but calls continued. In XX/XX/XXXX, XXXX an Account Manager in Collections transferred me to the finance department and I held for 2 hours until I hang-up. Calls continued to commence on a regular basis. On XX/XX/XXXX at XXXX, I spoke with XXXX on a recorded line however he did not identify that the call was being recorded. I asked for the mailing address for the company however he refused and hung-up abruptly. I located an address online for both XXXX and XXXX, I sent both companies a certified letter asking to cease & desist and offering to voluntarily surrender the vehicle. The letters were received by the same individual. On XX/XX/XXXX, I spoke with XXXX, Account Manager in Collections again to renegotiate my car note. I informed XXXX that I held for two hours when she transferred me to finance. I managed to get the refinance done online but the note was increased, although I attempted to get it reduced by Alphera in-house. At which time, I informed her that I needed to surrender the vehicle. In a threaten tone, XXXX firmly told me that calls may continue, if I surrender the vehicle it would be sold at auction and the debt would be placed on my credit until the full amount was paid in full. In XX/XX/XXXX, XXXX fro XXXX showed up at my house late one night, outside of normal collection hours, blocked my driveway and persisted to harass residents by ringing the doorbell numerous time to retrieve the XXXX. On XX/XX/XXXX at XXXX, a rep from XXXX came to my house. On XX/XX/XXXX at XXXX, another representative came to my house ringing my doorbell claiming to be someone with an alarm company but there was a tow truck present. 
Note : Proof of Phone Calls, Correspondence and Surveillance pictures of the repo reps from XXXX available upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Midwest Loan Services, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
We are trying to get a refinanced mortgage, our rate is currently 5.25 % with XXXX XXXX. In the beginning of XX/XX/XXXX, XXXX XXXX from XXXX called us to see if we wanted a lower rate. We decided to check with other banks. Midwest Loan Services had our other mortgage prior to this house, so we called them.We talked to XXXX XXXX and went through the entire process, locked in rate of 3.125 % on XX/XX/XXXX. We received updated rate lock & good faith estimate on XX/XX/XXXX. On XX/XX/XXXX we received Approval with conditions form. On XX/XX/XXXX we were notified via email by Midwest that the Completed Appraisal report was received. On the same day we also received an updated GFE & truth in lending report. On XX/XX/XXXX we received an email stating that the property was not acceptable as collateral per XXXX guidelines as it is a manufactured home. Back in XXXX when we first started this process, we check with someone at Midwest in the department that handles manufactured homes and what is needed for it to be considered eligible property and we had everything that they stated and what is written in their website. 
Since this has happened the rates have risen a lot and that means $ XXXX of dollars and extra years of mortgage payments. We do n't fall under the HARP or other home preservation program that we are aware of because it was built in XX/XX/XXXX. 
My main issue is that Midwest stated on both their website and on the phone that they service manufactured homes yet after the entire process they inform us that they do not give mortgages for manufactured homes. We would n't have wasted XXXX months and all the hours of paperwork if we would have known this in the first place. We would have just refinanced with XXXX XXXX. Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This second time filing a complaint with XXXX and Experian about the account XXXX on my account. I have filed FTC and Police Report I spoke to representative on yesterday, with XXXX told me that had information, but their not going to do anything. This NOT RIGHT and CFPB is not helping too much either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: PNC Bank N.A.
State: ND
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I am the executor of an estate who requested information from the institution relative to outstanding liens by the original holder. PNC bank gave me great difficulty in addressing the issues that were requested by my lawyer in validating the legitimacy of the their liens before paying. i had presented my credential to Once I received the proper statements I paid the amount less the legal expenses incurred by addressing collection agencies. What happened next after I authorized the payments with a report is there starting debiting my estate account without my authorization even after my remittance in good faith with accounting claims attached. then they threatened me with financial demerits if I did not all other electronic claim on the estate account. Now after paying and I am in a lawsuit they wrote off the loans with no payments for their accounting. I learned about this during a credit check because of my lawsuit. I went to the bank to ask for assistance and was threatened with security even though I was sitting down asking for documentation and contacts within PNC to resolve my Issue peaceably. The threats were carried forward even today because it was not suggested that I return to clean up and find communication required to clear my name.even though the local branch had ample information to aid in my defense they seemingly insisted that I take it up in another city and kept giving me communication links to corporate. They have my father 's account written off and note that I outstanding was never paid in full even after my accounting. The local branch officer XXXX XXXX the account manager who basically hung up the phone up on me and told me when I went they she did not have the time of day for me. Had she given my the responsive information I would not be writing this. 
Now we come to extra expenses because PNC failed to report under a seemingly proper accounting where I am reported as delinquent in their payments even though it is documented by checks but not by XXXX and other reporting agencies because of the records promulgated from their offices. Hence I am guilty before being proven innocent when trying to carry out the law while their reporting schemes undermine my integrity to their profit. They also failed to transfer the funds under proper accounting practices in NJ incorporating the XXXX form which should have been done when they relinquished or transferred funds to and estate fund as required by NJ law for estate taxation purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: CAVALRY INVESTMENTS, LLC
State: GA
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 need your assistance in getting this matter resolved because I have reached out to the credit agencies and to Cavalry Portfolio to remove this account from my credit file since this account do not belong me. I have informed them of this many times. Today, I have not received any response verifying that this is my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-01
Company: Synovus Bank
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have contacted First Progress Card as well as XXXX to advise them that i am a Identity theft Victim and that this account does not belong to me. However, First progress insists on verifying this account Electronically to XXXX when i dispute it. I have requested that they validate this debt ( Not simply Name. address, DOB ) and have received no response. I forwarded a copy of the FTC Affidavit as well as the Police report to them and still nothing has happened. I 'm being told that " its still with an investigator '' by First progress and XXXX is saying that its been verified. Police Report # XXXX / FTC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call from XXXX on XXXX/XXXX/2016 at my place of employment and was left a threatening voicemail from a young lady stating she was from a Claims Department and that it was in reference to serving for a claim of " debt by deception '' that has came across their desk and that they would do a skip trace for my home and employment and was going to summons me to sue in court unless I contacted XXXX referencing case # XXXX. All this information was left on my work voicemail which anyone could access with my personal business on there. I called that number and spoke to a XXXX XXXX and he stated that Check N Go is trying to sue me for Electronic Check Fraud and that I needed to pay them or they will sue me in court. I advised to them that their claims are untrue and that Check n Go refused to work out any payment plans. XXXX XXXX then stated that he was going to pull up a settlement to see what the offer was and advised me to hold. When he came back on the line he stated that the settlement was for XXXX and I could pay that to settle the initial XXXX debt. I then advised him that I could not do that, he then started to get rude and loud stating that it ; s only XXXX you should be able to pay that since you work and was screaming and threatening that he is going to definitely send someone to my place of employment to summons me. He also stated that he would contact XXXX County and then at that time I stated that I never received anything from them regarding this alleged debt. He then stated that it was sent to me in the mail back in XXXX XXXX, 2016, at that point I advised him that I never received anything. He then stated well we have XXXX email on file and we can send it to your email. I saw the email and it 's dated as of today 's date and it 's advising me that I have until XXXX/XXXX/2016 to pay off the debt. When I advised him that his claims as a " liaison '' was false he then continued to become belligerent and loud, stating are you going to pay or not and I advised him no and then that is when he then stated again that he will be sending someone to serve me at my job and hung up. I then called an agency and they advised me to check with the XXXX to see if they were registered to collect in Texas and they showed no registration for XXXX XXXX XXXX out of GA. I then called the XXXX office in TX, they then stated I needed to contact the XXXX office in GA, I contacted them and the referred me to XXXX Consumer Protection Unit where I made a complaint against the agency, then he stated I needed to contact you 'll to make a complaint as well as the Federal Trade Commission. They did not get the debt validated from me because I never received anything from these people but an email that was sent today and dated today. I am making a complaint because I feel that my consumer rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid anywhere from $ XXXX a month above my actual payment amount to Ditech. Per my loan agreement and their web site, the extra money should be applied against the principal. Instead, Ditech applied the funds to an " unappropriated '' funds account, where the money sat with no interest earned or, more importantly, applied to the principal owed. This is clearly a breech of contract on Ditech 's part. They refuse to answer four written inquiries for explanation and/or resolution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX old tax liens that were paid/satisfied/released. 
XXXX from XX/XX/XXXX for {$800.00} and XXXX from XX/XX/XXXX for {$930.00}. These showed up on my credit reports XXXX. I filed a dispute with all XXXX credit reporting agencies. 
XXXX removed XXXX them immediately. 
Transunion removed the XXXX from XX/XX/XXXX, but not the XXXX from XX/XX/XXXX. 
XXXX did not remove XXXX. 
I would like XXXX and XXXX to remove these outdated derogatory reports. Thanks in advance for any assistance you can provide.

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