BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
The world of technology does n't work for everyone ... 
I signed up with Capital One with anticipation of improving my credit score with responsibility. I made all my 1st 4 payments OVER the amount due and EARLY. I started inquiring about the Credit Steps program and my eligibility of an increased limit. The rep told me that I was doing so well and it will be increased in XXXX. 

My personal banking account was compromised just days before the bill was due. I called Capital One to speak with the representative about paying from a different source. We were on the phone for nearly 2 1/2 hrs just for them to take my payment. I was ensured that all was well and IF I DID get a fee, it would be waived.
Month of XXXX, my banking issues were resolved and I got a new account. From my phone, I updated my new bank info and made the payment. I got the confirmation and noticed that it paid the old bank account anyway. I did the process again and paid from the correct one. All done before the due date. I called in the next day to make sure all was well ... .the rep said over the phone it would not count against me. My increase will be on XXXX XXXX and the payment was fine and apparently it was not. 

For a payment to post on the same day, it will need to be submitted Monday - Saturday by XXXX ET. A payment submitted after that time will post on the following business day. However I was on the phone with the representative well after the XXXX cut off ( not knowing ) As a result, I have been removed from the so-called Credit Steps program. I basically will just pay my monthly bill with no prospects of an increased limit UNLESS I contribute the overage. 

I was loving my Capital One experience and this XXXX up has ruined my overall outlook. I work so hard to rebuild thing and would not have been so careless to be missing payment days or by the hrs because as I said from the beginning, I paid well over the amount and before the payment date so these last 2 months is not concurrent with my payment pattern. 

This mess has now became an inconvenience. They have no intentions of helping you achieve your credit worthiness potential but rather set you up to fail with trumped up fees and when you are out, you 're out. I was deciding between Capital One and XXXX XXXX XXXX and I see clearly, I made the wrong choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I ask if the person at the front if she could help me with a problem that i was having with the atm machine, and she was very rude, she stated that she could not help me at all, that for me to call the XXXX number on my card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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  Account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: TX
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Submitted request for VA XXXX, and have experienced delays, misunderstandings, reassignment, escalation, and ignorance of VA XXXX guidance under VA XXXX XXXX in regards to my VA XXXX review. Was told last night that VA XXXX request is denied, and that they have no knowledge of Principal Reduction Alternative outlined in VA 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 explanation
Consumer complaint received 2015-12-24
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
PNC allowed XXXX XXXX XXXX to steal over $ XXXX from my business account by approving his access. ( I 'm the only legal signer. ) There was a huge investigation, indictment and his guilty plea to a XXXX theft charge. Despite the admittance of his guilt, PNC does not want to return the money they allowed him take. 
In the process of waiting for his trial, I got another call from the police. This time they found my PNC documents on site of a raid for a Identity thief ring with all of my personal information. ( Name, address, SS #, Date of birth ). I 've recently recieve a letter from the Department of Justice advising of my victim 's rights on that case. Despite them allowing XXXX XXXX XXXX to take money out of my account and allowing my personal documents to be stolen, they still defaulted my commercial loan that I made attempts to stay current on as well as paying on the credit card that XXXX XXXX XXXX pled guilty on abusing. My business was never allow to benefit from the loan because XXXX XXXX XXXX was allowed to steal the money directly from my business account. Just yesterday they sent an appraiser to my office to prepare for an online auction of all my equipment. I just want to make the public aware of what can happen when you are too small to fight against someone as big as PNC. I 'm asking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: PNC Bank N.A.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have an auto loan through PNC Bank. I started this auto loan XX/XX/XXXX. I have always made my payments on time every month. XX/XX/XXXX, I had to file for Chapter XXXX bankruptcy. I signed a reaffirmation agreement with PNC Bank for my auto loan, which stated that the loan would continue to report to all three major credit bureaus. On XX/XX/XXXX, my bankruptcy was discharged. Throughout all of this, I have continued to make on-time payments to PNC Bank for my auto loan. Despite signing the reaffirmation agreement and always making on-time payments, PNC Bank refuses to report any of my payments to the XXXX credit bureaus. However, when I first tried to resolve this issue with them, I have letters from PNC Bank stating that they were reporting my payments to the XXXX credit bureaus. This was a lie, though. I have gone through all levels of customer service at PNC Bank for the past two years, and they refuse to report the on-time payments, even though they lied to me and said that they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I believe that I have been a product of predatory lending XXXX XXXX XXXX XXXX and currently goes by the name of Bridgecrest. I purchased the vehicle from them in late XXXX for XXXX. I have been paying on the vehicle since then and as of today 's date I have already XXXX. The company states that I still owe XXXX dollars which is predatory. I was never told that I would be paying of XXXX for a vehicle that was work less than XXXX upon purchase. The sales person also stated that I would be able to pay the vehicle off early but when I called the lender they stated that I could n't. The sales person also stated that I would be able to refinance the vehicle with the lender and when I called to try and refinance they told me that I also would n't be able to so. When signing the papers the sales person had me thinking XXXX thing but eventually turned out to be a bunch of lies and untrue sales tactics. I have already paid for this vehicle more than twice and they said I still owe over XXXX dollars for a XXXX XXXX XXXX XXXX with XXXX XXXX miles. Research indicated that this company has been predatory with there loans and tactics for many yea years to make astronomical money and taking advantage of customers. I want my money back for inappropriate sales tactics and predatory interest rates. This is injustice to all consumers. They need to be shut down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
BACK IN XXXX XXXX I SCHEDULED A {$27.00} PAYMENT FOR MY XX/XX/XXXX MACY 'S BILL.I FIRST SCHEDULED THE PAYMENT WITH MY CAPITAL ONE MACY 'S E BILL. THEN I CHANGED MY MIND AND SCHEDULED THE PAYMENT WITH MACY 'S ONLINE BILLING .BUT SOMETHING HAPPEN THAT RESULTED IN MACY 'S STEALING MY XXXX XXXX AND CHARGING {$27.00} LATE FEE AND NEVER PROCESSED MY PAYMENT.NOW FAST FORWARD XXXX XXXX AND EVEN THOUGH A NUMBER LATE FEES HAD BEEN CHARGED 2 MY ACCOUNT AND MACY 'S FAILED 2 ADDRESS MY COMPLAINT WITH CFPB DATED XXXX XXXX XXXX EVEN THOUGH THE ACCOUNT WAS IN DISPUTE MACY 'S IGNORE THE DISPUTE & CONTINUE 2 APPLY LATE FEES EVEN THOUGH I WAS NOT LATE WITH THE PAYMENTS.I BELIEVE MACY 'S FAILED 2 INVESTIGATE THE MISSING PAYMENT BECAUSE THEY EITHER STOLE IT OR LOST IT.

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 2015-04-08
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
We opened a free business checking account with PNC. The purpose of this account was to collect publishing residuals. We chose a free business checking account as we knew at first there would be very little money coming into the account. In XXXX 2014, PNC started charging us {$14.00} a month for this account. We neither knew about nor agreed to these terms. While gathering our paperwork for our accountant, we found that this account had only {$28.00} in it since PNC had taken out a total of {$110.00} without our consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-14
Company: Federal Pacific Credit Company, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
To The CFPB : XXXX My office has been receiving threatening and harassing calls form an alleged debt collector FEDERAL PACIFIC CREDIT. My office has received XXXX calls stated '' you must call us now XXXX, regarding a case number, " it is imperitive you call now, XXXX XXXX ''. I learned form calling this so called company back it is in regards to a predatory credit card that I had over 7 plus years ago, which was cancelled as I was legally advised to do called TRIBUTE CARD. This guy stated there is {$1300.00} in fees alone and more. A closed credit card even predatory can not charge fees on a closed account as per the FCRA. 

Under the FCRA this card is PREDATORY and I owe nothing to this predatory card, nothing. Secondly, it is over 7 years and this questionable debt collector with a very questionable website at http : //www.fedpacific.com in XXXX XXXX XXXX XXXX They gave my home address, asked for mailing address and called me XXXX. 
I never go by XXXX as well. 

My office checked the owner or a so called Executive is XXXX XXXX. My office learned as well under Rip Off Report this alleged company buys outdated debts from predatory credit card companies. 

My office was legally advised to file this complaint, if the harassment and threats do not stop, my office will take legal action to stop it on XXXX XXXX and her alleged Federal Pacific Credit Collections. 

Thank you XXXX XXXX, petitioner

Company response to consumer: Closed
Consumer complaint received 2016-03-03
Company: One Source Technology
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XXXX/XXXX/2016, Asurint provided a employment background check report on me for their client XXXX XXXX XXXX. Asurint claimed I had a criminal misdemeanor charge which I disputed directly with the prospective employer and Asurint as not belonging to me and identity fraud. The report in question clearly states charges against a XXXX XXXX XXXX ( my name is XXXX XXXX XXXX ) with addresses not used or belonging to me. Asurint fraudulently stated the criminal report claimed alsias ( es ) XXXX XXXX XXXX which is not true. The criminal report clearly states criminal charges against a XXXX XXXX XXXX and it does not state anywhere in the charging documents XXXX XXXX XXXX was charged with a crime or XXXX XXXX XXXX was using an alias XXXX XXXX XXXX. 
The criminal charges does not show or state both XXXX XXXX XXXX and XXXX XXXX XXXX were both charged with a crime or using aliases. The criminal report does not reflect my social security number and I have disputed use of addresses listed on report to all the specialty resellers supplying inaccurate date to companies like Asurint that are using inaccurate addresses to associate or attached my name to criminal charges. 
Under the FCRA I requested Asurint to validate their claim and provide the actual charging documents showing my social security number and charges against XXXX XXXX XXXX or courts records clearly stating XXXX XXXX XXXX was using a alias XXXX XXXX XXXX to date Asurint is refusing to valid their claim and supply the information. 
In addition, I requested the names, physical and emails addresses, telephone and fax numbers and contact names of all parties associating my social number with said inaccurate addresses to date Asurint has refused to provide this information to allow the consumer to dispute the inaccurate information directly with their source.

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 2016-11-28
Company: PNC Bank N.A.
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My wife ( who is a signer on both our business and personal accounts for PNC ) went to a branch to have a third party check cashed. The teller refused because of bank policy of there not being enough $ in our account. ( The check was over by XXXX $ and later Customer Service said that he should have cashed the check especially since there was plenty of $ to cover that check in the attached business acct. ) The incident descended into an intransigent argument. 

As a result of the altercation, the teller cancelled my wife 's personal account debit card using her social security number to do so. This was confirmed by information received by corporate customer service a few days afterwards when my wife called in to check the status on a card that was n't working for transaction even though we have $ in the account. 

I went to the branch where the exchange originally occurred to speak with the manager, explained to her the situation and she even confirmed that this teller 's name was listed as the agent who closed my wife 's card and the date ( that the altercation occurred ) was listed as the date that it was closed. She excused herself to speak to the teller and get " his side '' ... 
Funny, he could remember the altercation, but not remember closing her card, but then gave the manager some story about someone calling at some point later in the day to cancel a card and he could n't remember if it was my wife 's card or not, but he 's not sure ... Even though the manager said to me " but no one 's card but your wife was closed on that day ... '' I was assured that PNC takes these sort of matters " VERY '' seriously and that she was going to be escalating this incident for investigation etc ad infinitum ad nauseum ... 
That was Friday XX/XX/2016. We were contacted by an agent in the " executive relations '' section of PNC that same day saying that she would be handling the investigation, but calls to her or others in her office have yielded only run around results and answers. In fact, the person I just spoke to who was in the same " section '' as the " investigator '' said that no investigation had even been opened regarding this incident. 
This teller has access to our personal information and has already used it once to close a card in order to retaliate against us. This behavior is not only unprofessional and potentially criminal, but it is a serious breach of our trust as multiple account holding clients and the general public at large.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: PNC Bank N.A.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I tried to claim the rewards benefit accrued on my account of {$63.00} but PNC BANK refused to give it to me. They claim there is a & {$75.00} minimum rewards balance required to claim the balance. Yet when I read the Terms and Conditions or scour their website, there is nothing supporting that statement. Still they refuse to issue a check for my rewards balance. I am no longer interested in holding a card with a company with such terrible business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: SINGLETARY & THRASH-JACKSON, P.A.
State: MS
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
My name is XXXX XXXX, a mother, XXXX of over fifteen years, and honest citizen. This is an URGENT Mississippi action where a company is trying to collect on a six year old alleged judgment that was never agreed to or filed in court. 

In XXXX XXXX, XXXX XXXX, XXXX attempted to collect on a credit card debt by suing me. The case was released. However, the company, or their lawyers, NEVER got the judge to sign a judgment, nor was a judgment ever filed in the court. I called the court for copies of the documents several times to see if I had a judgment ; there is still no filed judgment! Because the judgment was never filed, I did not make any payments to the XXXX. This company, then, fell under scrutiny and was sued by multiple persons - I was asked to join the suit, but declined. The company immediately fell under and was dismantled. As such, I definitely made no payments. 

On XXXX XXXX, XXXX, Singletary & Thrash contacted me and my job alleging I owed a balance and they were going to execute a garnishment. I researched the issue and verified that in Mississippi debts must be collected within three years. I had not been in contact with the company since XXXX XXXX. So, I responded in accordance with the Fair Debt Collection Act. In that response I neither acknowledged or affirmed the debt. I asked them to stop writing me and my job because they lost their chance to collect because it had been over six years. 

They continue to write me and my employer. The company continues to threaten me, and recently they have " found '' a signed document that was still never filed. I am afraid and embarrassed by their illegal attempts. My employers are afraid and contemplating releasing me. I have been a XXXX for over fifteen years, and I am a pretty great XXXX. I also love my job. I am a single mother of XXXX, and I acted responsibly in handling this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: CA
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:
My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
CAPITAL XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$700.00} ; XXXX  XXXX Balance Owed : {$370.00}.

Company response to consumer: Closed with non-monetary relief