BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-20
Company: PNC Bank N.A.
State: MI
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
As senior citizen and XXXX veteran who now is experiencing a financial hardship due to decreased income and spouse XXXX who is unable to work. My wife and I have fallen behind on a title loan which is secured via a boat title. Our payment history was excellent with PNC Bank until XXXX. Please be advised that we live on this boat in Michigan during the summer months. It is large enough to serve as our residence during that time. Received a threating letter from PNC Bank ( Notice of Default and Right to Cure ) demanding payment of {$9400.00} in less that 33 days from the date of letter ( XXXX15-not received until XXXX/XXXX/15 ) increasing our payments {$1800.00} over the demand period with no consideration or dialogue regarding a customers ability to repay. No concern via PNC regarding the Repay Rule just a threat and oppressive demand to pay under threat and PNC ultimatum. I initiated contact with PNC prior to receipt of XXXX/XXXX/15 demand letter to work out a payment plan to no avail to date. Constantly in contact with PNC Collections ( XXXX ) and Executive Client Relations ( XXXX ) in order to work out a reasonable/affordable payment plan still to avail. I will keep up contact until I have a representative call contact me while many days passed with our any reasonable terms discussed to work out a payment plan. This to prevent reposition of my asset which I have paid on for over 13 years in good standing and promptly. PNC Bank also demands this customer must contact them in writing with a payment plan taking up more time of the 33 day time allotment attempting to place repressive pressure on the customer to relent to their treats and payment ultimatum only. Please contact PNC Bank on behalf of this senior and XXXX veteran to get their attention and work our a reasonable payment plan for this customer which I have not been successful accomplishing as soon as possible. I also believe that PNC acting in bad faith using oppressive collection tactics on other customers like me as well. Perhaps, this complaint will help the CFPB to assist other PNC Bank customers and require this bank to active in a customer centric manner and correct their repressive and perhaps illegal collection efforts in bad faith as in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I noticed I had a " charge-off '' reported on my secured credit ( with {$700.00} limit ) by america first credit union. I contacted them on the phone on XX/XX/XXXX to dispute this. On XX/XX/XXXX I received noticed that they have reported it correctly and it was a charge off as of XX/XX/XXXX. I stated to them this was incorrect that I requested the card closed on more than one occasion shortly after the balance was zeroed out at my local branch. AFCU dispute department claims they have had no notes from the branch stating I wanted the card closed. 
The last time a charge was made was XX/XX/XXXX in the amount {$36.00} which then put me to a limit of {$710.00} this is when a barrage of charges ( finance and late ) began that resulted in the charge-off amount of XXXX. So again this has been 1 year and six months of late fees and charges for going over my {$700.00} limit my XXXX dollars. Per the credit card act of XXXX they should have had my opt in to go over the limit which they did not. So for 1 1/2 years I was charged unfair and unreasonable fees to get this overage of XXXX dollars that should have never been authorized per the credit act. The act also states issuers can charge higher penalty fees only if they demonstrate to banking regulators that their costs ( collections etc. ) justify a higher fee. Under no circumstances can a fee for a late payment or an over-limit transaction be higher than the minimum payment you missed, or the amount you went over your credit limit. I was being charge XXXX a month for a card I stopped using for a year and a half. 
I was respectful in taking the stance I with AFCU that even though I requested closed at the branch that I should have double and tripled checked that it was indeed closed, they gave me a list of the times they tried to contact me and I told them I work graveyard shift and did not respond to calls, and with letters I discarded them as junk because I had no further business with them, due to the fact that I closed my account with them for my vehicle loan I had no further reason to conduct any business with them. Maybe if I still had my loan and was a customer with them the dispute department would have been more reasonable with customer service in giving a customer the benefit of the doubt that a mistake was made by the branch in not closing the account as I requested. In closing I hope they will resolve this issue on their end this was a secured credit card that was my money not theirs and to charge a customer for a year and a half of finance charges and exuberant fees is in my opinion not a fair and reasonable way to conduct business with the public. AFCU charge-off resulted in lowering my credit score and being able to get better rates to refinance my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Experian Information Solutions Inc.
State: CA
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 CONTACTED XXXX XXXX XXXX  AROUND XX/XX/2021 IN REGARDS OF THE FRADULENTLY ACCOUNT BEING REPORTED ON MY CREDIT REPORTS BY THEM ASKING FOR THEIR ASSISTANCE IN GETTING IT REMOVED. ON XX/XX/2021 I RECEIVED AN EMAIL FROMV THEM ( ATTACHED ). ON XXXX XXXX XXXX I REPLIED TO THEIR EMAIL ALSO ( ATTACHED ). AFTER THAT NEVER HEARD BACK FROM THEM

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 2017-02-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been requesting Experian to investigate inaccurate reporting on my credit report since XX/XX/XXXX I have not received any results back from the investigation that has taken place. Certified letters have been mailed XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I have received a response that a telephone number has been deleted. I have requested the inaccurate reported accounts be investigated. To date, Experian has refused to investigate the inaccurate 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 explanation
Consumer complaint received 2019-12-04
Company: Arete Financial Group
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am currently a customer of Arete Financial, XXXX XXXX, etc. I found out they were sued today when one of the companys I am trying to get resolution with through them called me directly. When I brought up the fact I had power of attorney with Arete they would not tell me any information until I verified info on the phone. I notified them I would call Arete. Emails get returned from Arete and phones are not answered. I know why now. XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Untimely response
Consumer complaint received 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have came to notice numerous attempts for credit with my name and information fraudulently without my permission or authorization. I 've demanded these applications get cancelled immediately as they were not submitted by me.

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 2020-11-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have been scammed by this girl named XXXX XXXX i ask for investment i was told if I gave XXXX dollars I would get $ XXXX back but it didnt happen. I have been waiting for days even though I was told that the money would come back in 20- 30minutes which was obviously a lie. They also told me that I have to pay for state fee which XXXX dollars, that inwhich I also paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Experian Information Solutions Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I 've filed disputes with Experian, XXXX and XXXX  regarding this. I sent the disputes via certified mail and verified receipt. I would like a copy of the promissary note that XXXX XXXX XXXX is claiming I signed in order to receive said loans for the following accounts # XXXX, # XXXX and account # XXXX. I received information from XXXX that the information was " verified '' and " updated ' but what are they verifying? Whatever it is I would like a hard copy of it. You cant just " update '' someones records without providing them with a copy of it. I am not just going to accept it was " verified '' WHAT WAS VERIFIED???? I 'd like a copy of it. If we had to go to Court the Judge would want to see a copy of the promissary note with my signature attached. I do n't recall any of these loans. I would like a copy of the promissary note and or any documentation proving I owe these for these accounts. It is not fair that Creditors just " update '' please provide consumers with exactly what you found that lead you to your finding in fact. A fair solution would be to remove/DISCHARGE these accounts from my credit report IF you can not provide the copies of the promissary notes with my signatures attached.

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 2016-10-10
Company: TD BANK US HOLDING COMPANY
State: WV
Product: Credit card
Issue: Transaction issue

Complaint:
I gave my credit card number to XXXX for installation of internet service. I did not authorize any other charges on this card. I assumed as all communications service companies they would bill me direct after the installation was completed. The service had serious speed issues. Web page were at a constant slow crawl and would often time out before connecting. XXXX failed to correct these problems.. Please bear in mind that I was sold High Speed Internet Service. So after no action the first 30 days I called to cancel the service. I was transferred to XXXX XXXX and he talked me into continuing the service while they work on the issues. Another 30 days past with no action on their part and I called and cancel again. At that time the customer service rep told be they would cancel the service and send me prepaid postage boxes to return their equipment and send me a final bill, and that would be the end of it. Target Bank Redcard has taken it upon themselves to resolve this issue by billing me for a early termination fee that I should not even owe and while at the same time XXXX has also billed me direct. For a service I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I am a customer of PNC bank ( formally XXXX XXXX ), have been banking with them since the XX/XX/XXXX 's and have both mortgages with them. Recently my equity line became due. I was working with them to try to refinance the line but they declined due to collateral. Then I was forwarded to a modification department who again declined due to collateral. Finally I was sent through a hardship department who said they would modify it but at a payment XXXX 's what I was paying. Living paycheck to paycheck, I could n't afford it. I requested different terms as I have never missed a payment with them and they declined. Since I was n't able to afford the modification, PNC told me they basically would write the debt off XX/XX/XXXX. I heard nothing from them until XX/XX/XXXX when they withdrew {$7000.00} from my checking account leaving me with {$100.00} for the month. There was no mailed notices saying they were still trying to collect the debt or anything. When I spoke with someone from PNC, they stated that the loan had been charged off and they were allowed to take all the money that they owed and basically accused me of being a deadbeat. The money that was in the account was from a retirement account to be used to fix the house to the city and insurance codes as the roof and tuck pointing needs to be done or I will be fined and lose the insurance on the home. I asked PNC for a copy of the Note and was told they could n't send it to me. I am not sure what to do as everything I have read about these " set off 's '' stated that they had to be actively trying to collect the debt ( they had n't ), the account had to be in collections ( it was n't ) and they could n't touch any money that came from a retirement account. I am not sure my options at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2015-12-10
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After XXXX 2015, TD Bank stopped detailing escrow activity on their mortgage statements. I called customer service and spent a great deal of time trying to recover this information for my own accounting purposes and was later told it was a " glitch '' in the system that has been going on " for a couple months. '' My understanding is that it is required by law for the lender to disclose this information on the monthly statement and the fact that I had to take additional time to procure it is not acceptable - especially after such an ample opportunity to resolve the " glitch. '' It matters a great deal to me because I was having trouble with the billing of my hazard insurance to the escrow after switching carriers and had no idea what had been paid out or when.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Escrow account is more than my house payment! I paid them {$1500.00} this year for a shortage along with my regular payment. Now my escrow account is another {$1200.00} short! Not sure who is doing the math at PNC but I ca n't even log into my account and they just print out what is on-line and mail it to me which does not explain {$3000.00} shortage! I 've repeatedly asked for an audit of my account and they have not complied. Requested another audit today and they will probably print out the on line version again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
For the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692C section 5 : states not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt

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 2015-07-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Sent to Chase thru secure message center onlineXXXX XXXX, XXXXI had an account with Washington Mutual since the early XXXX while living in Oregon. With Chase taking over WaMu, it brought many hardships. I dealt with this as best I could but the local Chase people in California, were usually not helpful. I once again faced a large problem when I was told that the routing number on my checking acct was being changed and received a letter stating such. I went in to a branch to get assistance. They looked over my account, the letter, etc and then said I had to contact all my direct deposit entities notifying them. This required considerable time and effort, plus XXXX more visits to a Chase branch to make sure that the changeover would not disrupt my automatic deposits, etc. Finally all was done and the deposits went as they had in the past. Then I found out through my own efforts and with no help from Chase, that Chase had made yet another problem for me, for no reason other than their internal poor management and error. There was no change necessary as my routing number never changed, it was the same all along. So all the worry, time, phone calls, visits to branches, etc was for NOTHING! For this reason, I ask Chase to provide me some remuneration for all this time and effort and ask a {$100.00} gift card/deposit made to my checking account to make things right. Please let me know as soon as possible. Also, of great importance, please let me know what internal controls have been put in place so that Chase does not put me through further hassles. Please let me know as soon as possible. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: PNC Bank N.A.
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My wife and I have several IRAs with PNC Bank. We have had trouble with this bank when we moved because they can not get a simple address change done. Apparently when the address is changed it does not get to all their systems, and they continue to send statements to an old address. The current address problem started when we moved and changed our address in approximately XX/XX/XXXX or XX/XX/2013. PNC assured us several times that the address change was done on all of our accounts, however they continued to have the old address on some accounts, and sent out mail to our old address. This involved numerous calls to PNC customer service and at least two corporate complaints, and hours of frustration for my wife and me. Each time they " assure '' us that they have the correct address on all accounts. The problem with that is our statement ( s ) are mailed to the old address, which is a highly concerning security issue with us. This year our end of the year statements arrived on all our IRAs except for one of my accounts. My wife called PNC IRA department, this month with my permission to discuss and handle anything regarding my accounts, and they still showed the old address from XX/XX/2013 on this account! My wife handles our business and I always give the bank verbal permission on the phone for them to talk to my wife. We have been trying for 4 years to get this right! We have again complained to PNC and have been assured someone will call my wife back to let us know the problem is resolved, but they have not. A follow up call still did not get a response. With our experience in the past 4 years, we doubt that they will get it resolved. Four years is a long time to have something as basic as an address change not done correctly. The problem has to be systemic. The problems in the past have sometimes been explained as caused by the fact that we have a P O Box. We have always given our home address which we understand the bank must have for their records, however we have requested all our mail go to our P O box. Another time they said the change did not get done in the IRA department. Other times, no explanation was given. The formal complaint I have done this year with PNC has a complaint number, which we can provide to you otherwise in this process, to protect our privacy. I urge you to investigate this thoroughly because if we have such a chronic problem with PNC address changes, other people must be having the same problem. I give permission to your agency to discuss this complaint with my wife.

Company response to consumer: Closed with explanation