BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Through a divorce settlement our ( my ex wife ) and I had defaulted on our vehicle loan. Understandably we recognized it would be in repossession. Both capital one auto finance and myself had been in constant monthly contact due to the non payment and I explained we could no longer afford the vehicle. No problem, I understood they would take possession. I had told them the location, parked it easily so there would be no issue to obtain it. It took them weeks to come take the vehicle. I kept calling but they seemed not to concerned and told me that they would find a tow company and remove the vehicle. No problem. However, weeks before this, maybe more like months, I tried working with them and had a family member willing to purchase the vehicle for XXXX less than what was owed..which at that point that XXXX was entirely all late fees and finance charges..not principle..they said NO! Ok, so fast forward XX/XX/2015 they finally took possession after months of going back and forth waiting for them to either make a decision on selling the vehicle to my family member or take possession..The vehicle was tagged, titled, registered and insured out of XXXX. Insured through XXXX. The vehicle was in XXXX during the repossession because I was up there for a few months during the holidays and looking to relocate possible. So, they finally took possession..I never heard a word from them..not a word, not a call, email, letter, certified..nothing..they simply sold it at auction..I 'm assuming and sold it..the balance owed they simply charged off on my credit..leaving me with a charge off balance of over XXXX. I only found out after recently pulling my credit and seeing what they had done..according to XXXX repossession statue they are responsible for allowing me a chance to buy the vehicle in full, tell me where the vehicle would be stored, tell me the auction day and time and location..and also what they sold it for..Also, through XXXX statue they violated my right to know..giving me zero information..And worse than that they sold the vehicle for far below fair market value for that vehicle..simply taking what they could get and charge me the difference..which is all interest, and fees..they got their principle amount back through the auction..but I was given ZERO notice of anything..I would of bought the vehicle back at the auction..I had offered them double what they sold it for..They also violated XXXX repossession law..I 've written both the state attorney office in XXXX. And my state representative in XXXX. Both parties have stated that capital one clearly violated my rights..they took my vehicle which they had the right, because I defaulted on the payments, but violated my rights in the way they repossed the vehicle. Thus leaving me with terrible credit, an XXXX balance on my credit and I 'm helpless..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
For over month citi bank financial websites have been down for my Macys credit card and my best buy credit card. I 'm unable to track my spending, check when my bills or due, or make payments. Not only are there websites down but when I call there are really long waits to talk to someone. I should be able to monitor my activities and keep track of my account at any moment to make sure that I 'm using my cards responsibility. Citi bank is making tracking/monitoring difficult.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: ZENCO COLLECTION, LLC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a call from " XXXX '' and a " XXXX XXXX '', regarding an old XXXX credit card that was charged off in XXXX and then I settled with a collection agency in XXXX. He threatened to freeze my bank accounts, flag my vehicle plates and told me that if I were in the vehicle that I would get arrested. I faxed him a letter from XXXX stating that I entered a settlement and he told me that he was going to press charges against me for fraud. He spoke to my husband about this debt and that I was a horrible wife for racking up debt while he was off fighting a war.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-08-31
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone in XXXX Arizona is using my name and she is spelling it wrong and using my social security number! She is spelling my name XXXX! I spell it XXXX! The credit bureau is spelling my name like that now! This other person has XXXX bills on my credit report! I need to have those bills on my credit report taken off and the credit bureau needs to get my name spelled right!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-01
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: APR or interest rate

Complaint:
I had a Citi Mastercard Platinum and before that another name that was fixed 9.9 % when I called them about another issue the man encouraged me to switch to another type of Citi Master Card that offered restaurant etc advantages, a sales pitch ;, to obtain a Diamond preferred Mastercard, keeping the same number. What he failed to disclose was that by taking this offer I lost my fixed rate to a variable rate. I want my 9.9 % fixed rate back. They also changed the amount of time i was a member with them. These things affect me in that our USA and global economys could go bad at anytime and as a variable rate a credit card company can request market rate which could be exhorbiant. I am worried about them being able to change the rate on me at will. Also, and/or that any of this could effect my credit rating which is extremely good. Please help me get my fixed 9.9 % rate back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I received a letter on XX/XX/2016 from Citi stating that I had been enrolled in their Credit Protection program. The fee for this " service '' was {$.00} per {$100.00} charged even if the balance was paid in full each month. I contacted Macys for which Citi was acting. They could not understand how any of this had happened because the card had been cancelled years before. When I contacted Citi they could not explain how it happened. I strongly suspect something along the lines of the XXXX scam. When I googled Citi I saw that they were forced to return XXXX to consumers over a year ago for the same practice I was subjected to.

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 monetary relief
Consumer complaint received 2015-12-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
After dispute with credit report agency gave me no initial explanation to why I could not view my credit report online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX, Amount {$2100.00} has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: APR or interest rate

Complaint:
I had XXXX credit cards with Capital One at an introductory rate of 12.99 %. I have had them for several years but I recently paid them off and kept receiving bills for interest charges at a rate of 25.93 %. They would not reduce my rate below 20 % and said they could not lower it below the introductory rate. When they checked the introductory rate they told me it was 22 % which can not be true as I do n't use credit cards that often and certainly am not going to pay that kind of interest. I believe Capital One is being unfair in their interest rate practices. I paid these cards in a timely manner and always paid more than the minimum due? Changing interest rates at random should not be allowed. They do n't put a note on your bill telling you your interest rate has changed. They just change it. With the prime rate being low these credit card companies should not be allowed to charge this kind of interest. I have paid and cancelled these cards. They will no longer be able to rake me over the coals with their high interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I am in the process of consolidating my student loans as of XXXX 2016 with Navient. I get calls non-stop from Pioneer Credit Collections. They call my cell, my family, my job, my friends ... .they even called my ex-boyfriend 's house! When I spoke to a rep at my job, I advised her that I 'm currently working with Navient on consolidating my loans and I would like to wait to hear what they have to say first. The rep did n't like that answer and that 's when the harassing calls began. The school is XXXX University in XXXX, NC. The company is Pioneer Credit Recovery /phone # XXXX ( and they always provide a reference # for each account ).

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 2015-09-12
Company: Reliant Capital Solutions, LLC
State: VA
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:
I am in XXXX army XXXX and I have dropped XXXX classes of XXXX University XXXX thru the XXXX Portal XXXX. In this case, The XXXX University XXXX XXXX XXXX shall get paid for the 75 %. XXXX can not collect the full amount because I droped the class before the deadline. But after XXXX took the 75 % which is {$1100.00}. XXXX tried to collect addition {$370.00} from me personally. This was wrong claim because I have drop the class at its 75 % point. Now XXXX is using a company called Reliant Capital Solution ( RCS XXXX to get {$480.00} from me. RCS wanted this to be paid by XXXX XXXX 2015 with fees and interest. The claim is wrongful because I have dropped the class at its 75 % point. The fees and interest % is also so high that is over the Service Member Relief Act. Please help a solider in this wrongful claim and harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-14
Company: PNC Bank N.A.
State: DC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Tuesday, XXXX XXXX, 2016 Dear Consumer Financial Protection Bureau : I must file a complaint against my bank PNC. The bank has dug up my records and called my mother tonight at XXXX EST regarding my credit card. I know that I have rights and one of them is to not to involve my family. I have never provided PNC with my mother 's phone number because we live in different states. This is intentional way of scaring me and bullying. Moreover, I experienced fraud in XXXX 2016 with PNC and filed a previous CFPB complaint. Here is the case number : XXXX. PNC knew about my bank fraud situation because on XXXX XXXX, I filed a fraud complaint with PNC. Obviously, this is intimidation. This has just happened tonight. I will provide more information if and once it becomes available to me. 
CFPB can contact me at either my email or my phone. My phone is XXXX. My email is XXXX. Thanks. 
Sincerely, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2016-01-11
Company: LENDER LIVE
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent a letter to LenderLive requesting cancellation of my private mortgage insurance under the terms of the Homeowners Protection Act. I have reached my XXXX % LTV. LenderLive 's service rep confirmed on XX/XX/XXXX that they receive the letter on XX/XX/XXXX. They said they had 30-60 days to respond. It is now XX/XX/XXXX, the 60-day window has passed, and LenderLive has not responded to my request. What is my recourse?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: PNC Bank N.A.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have applied to PNC to re-do my loan mod as it adjusted and I can not afford the payment. I originally faxed it and they said they did not get it, however, i had fax status. I then faxed and overnight mail, they still said they did not get and asked again. I have been sending things each time and they waut until after the due date and send me letter saying the did not get. they now sent me to foreclosure atty and I called them. they now say since its past the XXXX of XXXX i need to send tax returns for 2014. I called again and got a girl on phone and she was very rude and made me feel like trash for needing help. She compared my cell bill to hers saying mine should not be what it is because hers was not that much and I should be able to pay as I make good money and she told me how to manage my money and so on. My mtg pmt takes up XXXX whole check and I only get XXXX per month. Sometimes it takes more than XXXX check. They keep giving me the run around meanwhile I am getting ready to get foreclosure papers served on me and I ma doing everything they tell me to do. Each time I call i get a different person telling me different things and I really need help. I am in hopes that you guys will be able to help me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: PNC Bank N.A.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I sent a letter to a bank where I had a checking account. I had moved and wanted to close the account and have them send me the funds. Instead of sending them to my new address, they sent them to my old address. Now they are unwilling to reissue another check.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: PNC Bank N.A.
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I intended to buy a home with a mortgage in 2007. Seller misrepresented, forged documents, and committed a bait-and-switch. I was stuck with a manufactured home with what appears to be an installment loan instead. As a XXXX buyer, I feel especially targeted. Both parties were informed but no cooperation or correction transpired. When I became unemployed and XXXX, my income shrank. I proactively obtained a Chapter XXXX Bankruptcy while all bill payments were current and never missed. This was successful. I also proactively attempted to get a loan modification before any problems would occur. Instead of helping, the bank rejected XXXX attempts, committed errors, failed to communicate effectively, and ultimately charged off the account. Even an attorney attempted to intervene to no avail, which caused me more financial harm. Furthermore, some payments were not credited. After two years of zero communication, the lender is now threatening to " repossess '' my home! At this moment, no detailed letter has been received. My trust is less than broken. Due to the dishonest transaction, I could become homeless in a matter of days ( unlike a foreclosure or eviction process ). I would have walked away from the house if I had a place to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XX/XX/2016 I was notified by XXXX and my fico of a change on my XXXX credit report. I see that The home depot and a charge credit account in the amount of XXXX with a balance of XXXX. I called Home Depot to inform them that this account wasnt mines and to remove my name. I was told by their customer service rep name XXXX that Home Depot was not allow to remove me from this account ending in # XXXX. They also could tell me who use my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-11
Company: CITIBANK, N.A.
State: IN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I just RECIEVED a letter from my mortgage company " CitiMortgage " I RECIEVED the letter on the XXXX of XXXX that on the XXXX of XXXX our mortgage will be sold to XXXX Mortgage a division of XXXX Bank. The letter also states that " if they have n't RECIEVED evidence of current insurance they would be canceling ours effective transfer date '' my concern is XXXX fold. 

1. This type of notification did not provide us the " 15 working days " that is required by law in order for the account holder to sell the " account " 2. Upon receiving the letter it leaves us only 5 working days to contact them, ensure they have the insurance and also ensure that the proper notes are also carried over.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I really need CITI to lower my interest rate for a short period of time. Because of lowering my original credit limits my credit score has dropped drastically. Therefore my ability to receive more work has been limited to the point where I need to make this request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
This a complaint is in regards to PNC Bank. I recently applied for a preapproval for Mortage. I have banked with PNC for over 11 years. The representative humiliated my girlfriend. He basically laughed at me and only offered me loan for {$80000.00}. I want to another bank was approved for {$110000.00}. I was told by the other loan company that I had to payoff a credit card. I went to pay it off and accidentally made a payment from the wrong account. I noticed the charge on the PNC account and on the same day I made an ATM deposit by XXXX. I was charged XXXX deposits fees for using a non-PNC ATM. I work for a bank and I 've never even heard of a deposit fee. The funds were held from my account for 4 business days. I was never informed or give any information regarding a hold of this type. I was charged XXXX {$36.00} overdraft fees. XXXX was even for a POS purchase the second day for {$0.00}. I have sent 4 emails to PNC in order to get some type of resolution to the issue. The last responses had the same generic email, which says to contact them. One of the options was to contact them via chat. I tried to speak to representative via chat named, XXXX, whojust gave me the runaround basically. XXXX could n't assist me, but he did n't even attempt to resolve the issue. I asked him if he had a supervisor and he did n't answer the question directly. After asking the question a second time, he said his supervisor was gone for the day. So there is customer service representative, who currently has no oversight. He wanted me to call the center, but I was told via the email I could have the issue resolved. XXXX was unwilling to contact a supervisor in the call center itself to review the issue. XXXX disconnected from the conversation before I could even look into another resolution. I am very dissatisfied and sad given all of these events. I used to refer people to PNC. I guess things have changed. The best I can do is issue this complaint, so others do n't have to go through the same issue.

Company response to consumer: Closed with monetary relief