BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-12
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XX/XX/XXXX I logged online and checked my balance. I had electronic items pending as well as debit card transaction. I knew I had gas purchases so I made a deposit of XXXX which then made my balance positive by XXXX ( I have a receipt ) after the system updated that night I woke up to see my account was overdrawn by XXXX. The only thing that I can see possible is that PNC released my hold on a XXXX debit card purchase that I had did on Fri XXXX/XXXX/15 because my acct ended up being overdrawn by almost that pymnt. I called PNC and explained I know I overdraft in the past somewhat often but I truly attempted to not overdraft by checking my balance and then making that deposit. I asked for a courtesy reversal. I was told that he could n't extend one because I had a courtesy reversal on XX/XX/2015. I did n't recall having one because I do n't call for one since I know I overdraft at times. I released the call with him checked and it was n't a courtesy reversal. PNC does n't charge fees if your acct is overdrawn under XXXX. I had wrote a check and was off by XXXX cents and PNC charged me an overdraft fee and then reversed it with the phrase Reversal threshold. Im thinking since it was under XXXX and should n't have been charged. I called back the next day and spoke to a polite young lady who agreed that was a bank error in XX/XX/XXXX and that I did qualify for a courtesy reversal so she was going to escalate it further for me and I would get a call back from their escalations group. A week later I receive a call from someone who left a message with a number to the department. I called and spoke to a XXXX XXXX. XXXX was quite condescending and told me that its a myth that banks waive fees. I explained that it cant be a myth when XXXX prior cust service reps told me that fees could be waive. XXXX stated I had already had courtesy reversal which I did n't and the other stated I was right and she would escalate it. I even stated the calls could be reviewed. She continued to not listen to what I was stating and was n't even going over the transaction period that I was referring to ( XX/XX/XXXX-XX/XX/XXXX ) by the time I spoke to her since I thought I had everything covered I ended up over drafting my acct again and she kept speaking on those transactions. It was obvious she no longer was listening to me so I asked for the president name of PNC to write a complaint. She would n't give it to me. I asked for her manager and received XXXX XXXX who had to look up the name and spelling of the president of PNC but she did give it to me. She also stated that its a myth that banks waive overdraft fees as courtesy. By speaking to the prior to reps before this " escalation department '' I know its not a myth and I feel I have been lied to by XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: PNC Bank N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
A pre-authorized check was written by my bank from my Interest Checking account to a closed, overdrawn account from the same bank without any prior notification that the account had been closed or that a specific amount would be taken out of my active account as payment or the closed account on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: PNC Bank N.A.
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a XXXX in XXXX, SC. Primarily I work with borrowers who have had prior chapter XXXX bankruptcy 's to get their mortgage payments lowered after discharge. 

Time and time again I have the borrowers current servicers taking over XXXX weeks, sometimes months to get a payoff over to the borrower and this is with the borrower actually requesting it. Specifically, the company that is taking this lengthy time to get the borrower what they ask for is PNC Mortgage. The other company 's comply with the immediately upon request but no more than XXXX days from the date of request law, but not PNC. I have a client now who has waited over XXXX months with repeated attempts to have this resolved and PNC has told them " XXXX '' literally every XXXX days for XXXX months. 

Considering this is a violation of the law and not an isolated incident I believe they should be reprimanded for this blatant disregard of their customers needs. In the financial industry, especially the mortgage industry these people are in charge of, in many cases the largest and most important investment in a person 's life. PNC is giving a bad name to banking as they seem to think that the law does not apply to them and that the loans that they service have no real person behind them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Alliance One, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Alliance One was sent a cease of communication notice on XX/XX/XXXX. They began calling my cell phone again on XX/XX/XXXX and XX/XX/XXXX. I sent another cease of communication letter on XX/XX/XXXX via XXXX, which they received on XX/XX/XXXX. On XX/XX/XXXX I received another phone call. I have not received any written communication from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: CA
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: ONLINE Information Services, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX XXXX XXXX XXXX Contacted extended family members of mine asking for me by my maiden name, which I 've been married for a long time. They claimed I had a debt and disclosed a dollar amount to the family members, but never stated what the debt was supposedly for, nor have they every contacted me. When I have tried to call it has either been a fast rapid busy signal or the person on the other end wants me to provide my SS # and personal information before they 'll speak with me about this supposed debt under my maiden name. I believe strongly it 's a scam, but regardless they keep calling other people, repeatedly badgering them, and stating each time different amounts that are supposedly owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: CAVALRY INVESTMENTS, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
After pulling a copy of my credit report I noticed that Cavalry Portfolio is reporting that I owed them {$1800.00}. I have never done any business with this company and have never owe anyone that amount of money. So on XXXX XXXX I mailed a certify letter to Cavalry Portfolio informing them that I am disputing the debt that they say that I owe, provide me with any papers that show that I agree to pay them. I also requested validation of the so called debt and ask them to delete and stop reporting false information to the XXXX major credit reporting agencies. 

On XXXX XXXX 2016, I received a letter from Cavalry Portfolio claiming that my letter is lacking in any specific information and therefore they can not investigate my claim and that I will hear from them within 90 days from the date of their letter. This is a clear FCRA violation, I should get this information within 30 days of my letter. I mailed a second request on XXXX XXXX, 2016 and its now XXXX XXXX, 2016. I have yet to receive any proof from Cavalry Portfolio that I owe any debt to them and the company is still reporting to the XXXX major credit bureaus that I owe them. 

This company is in violation of the Fair Credit Reporting Act and continues to defame my character by reporting this frivolous debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-28
Company: Genesis Financial & Payment Systems Holdings, LLC
State: UT
Product: Payday loan
Issue: Can't contact lender

Complaint:
Lender is contacting my boyfriends mother, who I do not even have a phone number for, to collect my debt. She is no relation to me, mere aquaintance and was never given out information about her for me including her phone number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: AR Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The hospital made a mistake and did not tell the XXXX department that this was a charity case from date of service due to non billable health insurance. 
I was never contacted by the collection agency before information was reported to the collection agency. 
I contacted A/R Resources collection agency I told them I do not owe this bill and to contact the XXXX department and they did not use proper collection protocol before reporting to the credit bureau. I have faxed over proof that I do not owe this bill and they are refusing to remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: BB&T CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Went to make deposit on bank ATM. I was trying to make deposit cash in the amount of XXXX. After posting XXXX cash the ATM end up in error and denied me to make more deposit and did not giving me receipit for XXXX or post the money to my account. I called bank and report error for ATM and bank respond that my found will be available in next 5 business day. Today is 7 days and bank did not refund money yet and every time I call I get different answers.

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 2016-04-27
Company: BB&T CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Someone paid for their Regional Acceptance Telpayment bill ( autofinance ) by making a fraudulent authorized withdrawal from my checking account at New York Community Bank. This was done on XXXX XXXX, 2015 in the amount of {$330.00}. There were other payments paid the same way by a different person for XXXX bills. The bank could only reimburse me for the past two months. I contacted the Fraud Department at XXXX and succeeded in being reimbursed for the past year only, of the 15 months of fraud. I tried to call the Fraud Dept. at Regional Acceptance Telpayment ( phone - XXXX ) and was told I could not talk to them because I do n't have an account with Regional. They said I have to go through my bank. My bank said they only have a name and no other information. They can not help me. I want to be reimbursed by Regional for {$330.00}.

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 2016-02-01
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Hi my name is XXXX, Iam writing because I have medical issues that interfere with me constantly checking my account. I signed up with email and text notifications to alert me of any, including overdrafts I may incur due to the banks inaccurate online statements of available balances. Well Friday I was highly upset due to not knowing I had insufficient funds in my account. Yes I am now aware that merchants do n't necessarily take funds out according to the order in which they were made. So at the time, I thought I had a balance in my account. The problem is the transaction happened Wednesday and I did n't receive an overdraft notification until Friday at XXXX in the morning. If the notification was sent at a more accurate time to allow me time to cover the funds, I would have done so before XXXX the prior day which is what a bank representative told me, would prevent the overdraft, but clearly if my balance is showing overdrawn not to my knowledge, the reason for signing up for notifications is pointless. Please help in this matter as I am never able to make resolve with my bank. I was charged an iverdraft fee and would like a refund due to the lack if the bank not notifying me or allowing me enough time to cover the fee like their policies state. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo Bank received and deposited insurance proceeds that was in my name and not endorsed by me and now holding and refusing to release funds that was supposed to repair home from fire. The proceeds are much more than what I owe.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Purchased online dating service XXXX XXXX XXXX was overcharged for the database and did not have the database I was looking for was charged {$8500.00} and they would not send an email to the XXXX to ask someone to join the club that I was interested in.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I paid my cellphone bill on XXXX/XXXX/15 which was {$210.00}. It posted on XX/XX/2015. I went shopping earlier and I glanced at my balance and notice I had n't spent as much this weekend as I thought. Come to find out my cellphone bill charge had vanished. I call Wells Fargo and was basically told that it 's done that way with larger charges to let the merchant bill it. I asked my larger charges and they said it creates potential for overdraft charges. The put the {$210.00} back in my balance hoping I would spend enough to make it overdraft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: WELLS FARGO & COMPANY
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In XXXX 2016 I responded to a message from Wells Fargo regarding a graduate student loan that would come due in XXXX 2016. I requested re-consideration of the rate of payment or some kind of concession based on my extreme change of circumstance. I recently lost my husband, who was the sole income provider for myself, and my daughter, a XXXX. 

Wells Fargo suggested a loan modification. I began the process shortly thereafter filling out many forms, documents and sending endless faxes, which was not only demanding at this difficult time in my life, but full of contradictions at all levels of communication. Little in the process was ever transparent. 

Finally they contacted the co-signer, without my knowledge, well aware that he was a mature man just recovering from a XXXX, I did not wish to burden him. They disregarded this and astoundingly invented a statement they claim he made. Based on this the modification application was denied. I still do not fully understand or accept the reasons behind this decision. The facts so obviously attribute to the need to apply in the first place. 

The outcome and handling of the process was not only de-moralizing but the result was disturbing. I not only feel that the effort made over many months offered no resolution or compromise and looking back it has been victimising, from the initial hard sell to the onset of re-payment. 

I was concerned about adverse credit reports regarding the loan and constantly phoned in to discuss this. The advise the modification team gave was that " it would not help my case if I was seen to be making payments '', Based on this, I decided to wait for the written result about the modification application, which I have not yet received. 

The disregard for my personal situation continues. I now get endless phone calls from the collection department insistencing that the loan is two months over due. It is not. Over the past two weeks I have had about 15 phone calls-today alone 5 calls. Sometimes there are recorded messages asking me to hold the line up to 15 minutes. Often no-one answers. 

In all of this I only asked for consideration for a lowered monthly payment of $ XXXX-XXXX to help me get through this trying period of financial hardship. I am not sure where to go forward from here or where to turn for help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
More XXXX of XXXX - - Your Loan Has Been Approved! 












XXXX x XXXXXXXXXXXX XXXX XXXX ( 1 hour ago ) to me Congratulations! 
Your loan has been approved for {$5000.00}! * Get your loan as soon as today : 1.Get approved ( Done ). 
2.Make an appointment with your local branch XXXX. 
3.Get your check as soon as today! 

What will happen at my branch appointment? 
1.You 'll meet with your personal loan specialist to verify your identity, income, and sign your loan documents. 
2.Be sure to bring a government ID ( e.g. Driver 's License, State ID Card, Passport, or Military ID ). 
3.And for income verification, you can show us your last XXXX paystubs, most recent signed tax return or bank statement verifying direct deposit. 

Thank you for choosing Springleaf! 

We look forward to helping you complete your loan request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My mortgage is with Wells Fargo in about XX/XX/XXXX. A fixed rate paying interest and principal. I had a problem for a shot while after XX/XX/XXXX making payments. I did a loan modification with them to get up to date. It started at {$1600.00} interest only a month and spiraled up in 3 years to now {$2600.00} interest only with no end in site. I talked to them two months ago to see if they could modify or refinance with a fixed loan that was not an interest only. They said they could not help me that my income to debt ratio was too high. In all this time I have not been late on a payment I also have good credit over XXXX. 

Thanks 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 2017-02-15
Company: CHARLES SCHWAB CORPORATION, THE
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a retirement account with Charles Schwab. On their web site, they advertise that customers with certain amounts of money with Schwab qualify for mortgage rate discounts. From their web page, it looks like I qualify for a 0.25 % rate discount. For this promotion, they have a tie in with XXXX XXXX. When it came time to find out what the mortgage rate was, the XXXX people assured me that the discount was applied but the rate they offered me was the same as what both XXXX and XXXX XXXX offered with no discount. I consider this to be very deceptive advertising and operating on the part of both Charles Schwab and XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-29
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Debt collectors Proof of Service shows that a " XXXX XXXX '' received the documents at a location which is not my work or my home. Violation of my 5th and 6th amendment rights for improper service. Then they proceeded to get a Default Judgement and levied my bank accounts. 
I called them and they refused to release the funds and demanded payment of the debt in full.They refused to vacate the judgement and dismiss the case if I agreed to enter into a monthly plan. They also would not release the funds that were held ( based on an illegal court order ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: CHARLES SCHWAB CORPORATION, THE
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
In XXXX / XXXX of XXXX, I began to have payments debit automatically out of my Charles Schwab account for a vehicle loan I have with XXXX. I have paid this loan on-time for close to 36 months now.. Without notice or explanation, Charles Schwab stopped making those payments in XXXX of XXXX despite adequate funds to cover the payment. I subsequently was charged late fees and, more importantly, had my credit report damaged by the late payment. When I contacted Schwab, they said that the system must have set XXXX as the stop date in error. Once I asked them to provide a letter to XXXX XXXX so that my credit could be corrected, they changed their story and said that I had erroneously set up the account to stop payments in XXXX XXXX, even though the loan has payments through XXXX. I set up the payments to terminate upon the loan 's termination, not in XXXX of the preceding year. The loan is n't even due in XXXX of XXXX, so there is no reason to select XXXX as a termination date. The representative said that it was a " legal issue '' surrounding admitting to mistakes and offered to pay the late fees for me. The result of Schwab 's refusal to correct the issue is that my husband 's credit has dropped by over XXXX points. We are applying for a loan for a new home, and Schwab 's error is going to cost us thousands in additional interest expense, assuming that we even qualify for a loan any more. Outside of the late payment for XXXX, his credit is clean and used to be in the high XXXX 's.

Company response to consumer: Closed with explanation