BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-23
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX, I submitted my information to lending tree and authorized them to pull my credit so they could match me with lenders to give me a private party auto loan. Based on my information I was quoted at a 4.4 % auto loan with lightstream.com. Within 5 minutes I completed a formal application and was approved but for a 6.34 % unsecured loan. When I contacted the company seeking the original rate and to ask why it would change so much they said they do not do pre-approvals and the only accurate rate is after the hard pull during their application. I understand that things may change in people credit between the soft and hard pull or a half a percentage point may be adjusted in general but it seems very deceptive to quote such a low rate for one product and then switch it for a different product at a much higher rates. If I knew I couldnt get an auto loan then I would have shopped for personal loan rates instead.

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 2022-11-08
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 I opened a savings account with CIT Bank. After verifying the XXXX savings account I wished to transfer funds from via XXXX transactions, I submitted a request to transfer {$100.00} from my XXXX account to my CIT bank account. On XX/XX/2022, {$100.00} left my XXXX account has a transfer. To my surprise, on XX/XX/2022 an additional {$100.00} was transferred from my XXXX account to CIT Bank. I have no recollection of requesting or authorizing this transfer. 

On XX/XX/2022, I emailed XXXX for assistance. This is an email address they had listed on their website for customer assistance. I requested that CIT Bank provide me with proof that they were authorized to transfer the additional {$100.00}. I followed up on my request on XX/XX/2022. I did not receive a reply from CIT Bank until XX/XX/2022. Their reply said that it was a general informational email address and I had to request assistance elsewhere. I replied to them the same day requesting that they direct my urgent request to the appropriate person so that they could reach out to me with an answer. I did not receive a reply. 

On XX/XX/2022, I contacted CIT Bank about the same issue via their secured portal within their website. This was how the email on XX/XX/2022 advised me to contact CIT Bank on this issue. To date, I have not received a reply. The lack of response can only lead me to conclude that CIT Bank does not consider unauthorized transfers an urgent or serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I went to Bank of America XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX to ask a question about an HSA. An attractive XXXX woman greeted me with a hand held device in behalf of Bank of America and refused to let me or anyone else speak to banker unless we gave her our debit card number or drivers license to input our personal information into her hand held device. I refused and she became nasty and refused to let me see a banker. I tried to complain and she told me to go ahead. Never heard of this in my life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This is not mine was opened in my name not by me and this should be taken off my credit thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-24
Company: Wilber and Associates, P.C.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
We were in an auto accident and did not have insurance. XXXX contacted us on behalf of their insured and said they were going to fix the car and bill us for his repairs. His car only had a broken headlight, so we agreed with XXXX billing us. They sent our information to a third party without letting us know and now we are being charged {$2900.00} Wilber and associates contacted us regarding this debt and would not work with making payment plans. When I said we did n't have money to make $ 300 monthly payments, they stated that was n't their problem. They threatened to suspend our driver license and we are willing to pay, but that seems excessive for a broken headlight. They wo n't hear us out to make payment plans less than {$100.00}, wilber and associates staff is very rude..

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 2021-03-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I contacted Equifax in reference to inquiries that were placed on my account after a freeze was in place. When I explained to the first representative, he stated they were placed before the freeze was in place in the same day. When I asked can he please verify because I know what time I locked my account. I somehow got disconnected. The same happened with the second representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Delinquent account

Complaint:
I settled a debt with Bank of America/XXXX XXXX XXXX. At the time of settlement they created a new account number for the debt, stating in their letter that it was for internal purposes only. After settling the debt it still shows up on my credit report as " charged off '' rather than " settled. '' In my understanding this single debt ( regardless of if it is tracked under XXXX account numbers ) must be listed as " settled '' or " legally paid in full for less than the full amount '' to be fully FCRA compliant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: GA
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:
Identify theft from XXXX from my taxes, a stolen wallet and more recently the Equifax data breach. As a mother and wife trying to provide better for my family this has been beyond frustrating because I havent been able to help my husband with limited and inaccuracies in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: North Shore Agency, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX cell phone. being charged for a contract that was not told to me. i was unaware of such thing, if i really was told or explain this i would not have taken the phone that i return

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: United Revenue Corporation
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
UNITED REVENUE CORPORATION IS REPORTING XXXX ACCOUNTS LISTED FOR A XXXX WHICH IS NOT ME. YET THEY KEEP REPORTING ON MY CREDIT REPORT WITH XXXX. I HAVE FILED A POLICE REPORT AND NEED THIS INFORMATION CORRECTED IMMEDIATELY. 

ACCOUNT # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2015-11-25
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX 2015 I received a letter from a collection company regarding a bill for ambulance service with the City of XXXX. I offered to set up monthly payment arrangements of {$30.00} a month and the balance was {$250.00}. I gave them my banking information to debt my account each month for {$30.00} until the balance was paid. The agreed that this payment arrangement would avoid the account from being reported to the Credit Bureau ( s ). I never heard anything else from the collection company. I received an email that I had a change in my credit report and discovered that, despite our agreement, they reported the account to XXXX. I called the company and they were not willing to remove the negative reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card
Issue: APR or interest rate

Complaint:
I am a customer of Bank of America. I have XXXX separate credit cards. Back in XXXX I was in need of cash and was checking interest rates and fees with each of my credit cards for cash advances. I chatted with XXXX different Bank of America agents before I did the cash advances and I asked some simple questions : " What is the interest rate for a cash advance? Is there a transaction fee? What is the fee? What methods can I use to get the cash ( bank, atm, direct deposit )? 

At that time, XXXX agents I chatted with informed me that I would be a charged a very large fee of 5 % but they told me I would get a 0 % promotional interest rate until XX/XX/XXXX. Based on this information I went ahead with the XXXX cash advances totaling {$11000.00}. I was charged the 5 % fee as expected however when I got my next statements I was charged a very large amount of interest. I contacted Bank of America and the first agent denied my request to have the interest refunded. They said they needed proof that I was promised a 0 % APR that can be used at a bank or atm. I was accused of lying and was told that there was no way they told me they would give me 0 % for a cash advance. I did n't save those chat logs. 

Due to this, I did an experiment last Tuesday ( XX/XX/XXXX ) and I went online and enacted a total of XXXX chats with Bank of America through your website. The first chat I was n't provided any information and I saved the subsequent XXXX chats. Of those XXXX chats, only XXXX agent could answer my questions correctly. XXXX of the XXXX agents gave me incorrect information. XXXX of the agents informed me that I could get the 0 % APR with a cash advance through a bank teller or atm. XXXX agent told me I could get a 5 % interest rate with a {$10.00} FIXED fee. 

This was very alarming to me and I was hurt by misinformation given to me by Bank of America. I am sure many other customers have also been hurt by being given misinformation. My goal is to make sure no other customers are hurt by agents giving them incorrect information like offering a 0 % interest rate when the actual rate is 24.99 %.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-20
Company: Paypal Holdings, Inc
State: CT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I attempted to take advantage of the below payment plan offered by Paypal Credit, however, the rep I spoke with previously by the name of XXXX insisted on a monthly payment of XXXX for six months which I can not afford. If I could afford such a high payment then the account would not be past due and over limit, which is obvious. Why Paypal still offers a plan with a high payment, I have no idea. I think the settlement offer is reasonable, considering there is fraudulent charges from an Ashford.com which run into the thousands. However, Payal Credit now insists on a payment amount of XXXX for six months. Paypal did offer two other payment plans, however, they do not offer any settlement which is reasonable as there is fraud on the account as stated before. I 've called in to Paypal Collection dept and reps like to lie stating there is a cease and desist order on the account when there is not, this is so they do not have to discuss the account prior to closing at XXXX EST. They will also breath into the phone, then hang up if it is a few minutes before closing. Please advise Paypal I will accept settlement plan below due to fraud charges, however, I can not afford XXXX a month. I can afford XXXX. 

Settlement : Settlement offer of {$2800.00}, which is XXXX % of your current balance of {$5700.00}. If accepted, your account will be considered settled for less than the full balance due after you send a payment for the full amount of {$2800.00} on or before XX/XX/2016. Alternatively, you may make six installment payments totaling {$2800.00}, the first of which must be no less than {$110.00} and must post to your account on or before XX/XX/2016, and the five remaining payments, totaling {$2700.00}, approximately {$550.00} per month, must post to your account on or before day 20 of the following five months, respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
For many years i have been paying a fixed amount monthly for student loans. Recently Navient, the loan servicer, reduced the amount by approximately {$50.00} each month. Prior to the random decrease from {$590.00} to {$550.00} the amount applied monthly to principle was more than that applied to interest. After the $ 50 monthly payment decrease i am now paying more interest monthly than principle. I did not request or ask for a change in monthly amount nor was i informed of the change. There is no explanation for these actions except to extend time the loan will be in repayment. This complaint is in regards to the actions describe above and to shed light on this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XX/XX/2021 my lender submitted a request to PNC to subordinate my 2nd lien HELOC loan as I am refinancing my current 1st lien mortgage. Despite promptly submitting all my paperwork and getting a call from an appraiser neither my lender nor I have received any communication from PNC. I went so far as to send multiple emails to to PNC and call their branch manager. The branch manager called me back toward the end of the day and told me he didn't have any way to provide me with an update. 

I have already had to extend my refinance lock agreement ( at a cost ) and am now faced with either paying off this PNC HELOC or paying again for another lock extension. 

My total combined loan to value ( including my new loan as well as the full amount of my HELOC ( if I were to use it all ... .which I am not ) is well under 80 %. 

Over 50 days!!!! What the heck???? 
TIME TO CANCEL PNC!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My HELOC loan servicing was transferred from XXXX bank to Loan Care LLC in XX/XX/XXXX 2021. For the past three weeks I have been trying to make payments online but have been unable to do so. I called 3 times, each time told I'd have online payment access within a day or two. On my 3rd call ( XX/XX/XXXX/21 ) I had no confidence it would happen so I made a payment with the representative by phone. Guess what, I logged in today, XX/XX/XXXX21, more than a week since the 3rd call to them and still have no access to make an online payment. I called twice today, XX/XX/XXXX21 ; 1st call I was not able to ever get to a live person and got disconnected, 2nd call I did get to a live person, asked to speak with a supervisor, was placed on hold and after holding for 30 minutes the system disconnected me. They are charging interest on a balance that should be lower had I been able to actually make payments. I can not continue to spend all this time on hold when I'm simply trying to fix their situation and make payments. Unethical and the worst customer service experience I have ever encountered.

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 2021-03-23
Company: ERC
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, ENHANCED Recovery added a Derogatory mark on my credit report per XXXX. Upon further research this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did NOT verify this collection. Also there has been no written form of communication, contract or signature for this accused debt at all. A bill without my signature CAN not validate the debt, therefor anyone can send a bill and say it's mine. According to the FCRA ENHANCED Recovery has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
BANK OF AMERICA HAS NUMEROUS FRAUD TRANSACTIONS ON MY XXXX ACCOUNT AND WILL NOT RECOGINSE PAYMENTS LARGE ONES I MADE. I HAVE DISPUTED PER FCBA AND WILL NOT COMPLY WITH THE ACT. THEY HAVE IGNORED AND STOLEN XXXX IN PAYMENTS. AND REPORTING FRAUD INFORMAITON

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX, Countrywide sold my mortgage to your company. My payments were extremely high. I called the making home affordable hotline and we talked with a customer service representative with BOA. We discussed my options, and decided that a modification would be a solution. It was explained that documents would be sent to me to apply for permanent XXXX modification. The documents were sent to me via XXXX. The documents required me to get those documents notarized. I took those documents to my local bank XXXX XXXX XXXX and had those documents notarized by their notary. I then sealed those documents in front of the notary inside the return envelope that was sent to me by BOA. This documents was sent back via XXXX. 
Over the years, I have made several requests for BOA to send me the original contract of the first modification from XXXX. I was always told that you had those documents, and would send me a copy to look at the terms. I have never received a copy. I would like to see where the original contract stated that my modification would only be for five years. I was told that my modification was a permanent XXXX modification in the beginning, and that is what me and the XXXX counselor discussed with the customer service representative. 
On XXXX XXXX, XXXX, I received documents form BOA. Those documents did not include the modification loan contract from XXXX. BOA only sent an explanation of what the terms were. They also sent records of my payment history which show consistent payments throughout the life of my mortgage. My mortgage did not get in delinquent until the terms of my modification changed from a XXXX monthly payment to a {$1300.00} payment after a five year period. I applied for a another modification in XXXX XXXX and my payments went up even higher to {$1300.00}. I was told that it was based off my gross income and nothing else. However, back in XXXX ; I had basically the same gross income as I did in XXXX and in XXXX, and under the first modification my payments were {$720.00}. A modification can reduce your monthly payments and help you catch up with payments, because BOA was able to do that with my first modification loan. 
Lastly, I have been calling BOA to speak with the Home retention counselor who is assigned to me, and I have left messages and my call back number. I have not received any response at all. I was following the instructions in the letter that was sent to me from BOA that stated to call the home retention counselor because they had things in place to help ; such forbearance options etc. No one had gotten back with me even though I call daily.

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 2017-03-18
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am a single dad and im in over my head with bills. I have set up a XXXX dollar a month payment plan with Navient but thats not paying off the interest and my loan keeps growing. This dose n't seem right. I feel like Navient has found a way to make a profit out of me and in the mean time my loan continues to grow. I called them and asked them can they please somehow decrease my loan from increasing and they basically said to bad so sad. Please help

Company response to consumer: Closed with explanation