BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-04
Company: Capital Alliance Financial, LLC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Capitial alliance financial llc is owned by XXXX XXXX. Capital alliance financial buys debt, and is a debt collection company. Capital alliance financial is merely a shell company for XXXX XXXX law firm XXXX and XXXX. No response when you attempt to reach capital alliance financial only XXXX and XXXX. XXXX and XXXX turned for a civil judgement against me under the false pretenses they are acting on behalf of their client. XXXX and XXXX has a conflict of interest and should n't be allowed to deceive consumer 's that they are a law firm acting in behalf of their client. They are merely acting on behalf of themselves. Representative stated they were an attorney and when asked if capital alliance was connected to XXXX and XXXX denied any knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: SMS Check Recovery LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
On  XXXX / XXXX /  XXXX   I received a call from a supposed company called "  XXXX  ''. Not only did the lady call my phone, she also called my parents house looking for me. She called my mo, first and told my mom that this coming Friday she was either coming to my residence or my job with " papers '' for me to sign and if I did n't sign them then I would be going to court. After she called my mom, she called my phone and told me that if I did n't call this number  XXXX   XXXX   XXXX   XXXX  that she would be coming to my home or my job. I called the number and mentioned the file number she gave me which was  XXXX  and spoke with a  XXXX .  XXXX  said she worked for SMS recovery which was a pre legal service/attorney office. She said she was representing  XXXX  and that I owed  XXXX . I asked them what kind of company this was and she said a legal company representing  XXXX . This company called my elderly parents issuing threats against me to " subpeona '' me to court which upset my parents. This is totally wrong and unlawful

Company response to consumer: Untimely response
Consumer complaint received 2016-09-20
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Barclay bank cancelled all my accounts w/ no reasoning. Now they have messed up my credit report. Now I am unable to get approved for other credit cards because on my credit report, I have entries that state " cancelled by grantor. '' This is not right because I did nothing wrong with them. I paid all my bills on time. They should have at least given me time to close the account myself so that it does n't negatively affect my credit. 

This feels arbitrary and discriminatory. There was no rhyme or reason given.

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 2016-10-01
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
Over the past several months my interest rate has skyrocketed. I am sure that, I did not, nor would have agreed to the terms and conditions of owning a Barclays credit card as they have explained to me. I have, on several occasions, requested to receive a copy of my contract. Each request has been met with a different reason as to why I can not have a copy of the agreement.

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 2022-10-01
Company: EQUIFAX, INC.
State: DE
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C. Section 602A States I have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) states : no consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction which antedates the report by more than seven years.

15U.S.C. 1681s-2 ( a ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: ME
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:
The following account for XXXX  XXXX XXXX # XXXX is on my credit report and it is incorrectly reported. After 2 investigations with the credit bureau 's the accuracy hasnt been corrected. The following is incorrect on the reporting...

1. ) It is rated every month as C/O. It should only have been marked C/O on the first month after the first 120 day late.

2. ) The following dates are incorrect on several reports, the Date of Last Activity, the Date Reported, the Date Opened, Closed Date.

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 2015-03-30
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I had a really great experience with PNC Mortage on my home loan. Who do I call and complain tio about good service and low rates. I don ' t even understand how a bank would make a loan at 2.99 % or 3.99 % and tie up their money for XXXX ur XXXX yrs at such low returns. 
Would you inves your money for a 3 % return and wait XXXX or XXXX yrs to get it back Seems odd? Why would they lend money at such low rate of interest? Please share this compliant with PNC. They gave me great service! 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I purchased a sofa online at XXXX in XX/XX/2016 using my PNC Bank Debit XXXX Card. The transaction Date was XX/XX/2016 in the amount of {$3500.00}, and the sofa was delivered on XX/XX/2016. Upon close inspection, I found defects in the alignment and upholstery, and contacted XXXX immediately and followed up with an email and photos of the defects. I received a call from a XXXX agent 2 days indicating a replacement of the defective sofa would be coming in XX/XX/2016, and to keep this sofa until that time. The second sofa was delivered on XXXX XXXX, 2016. I inspected the sofa outside my home as it was unloaded from the delivery truck, and found the same upholstery and alignment defects as the first sofa. I phoned XXXX and both sofas were taken by the delivery agents, and was told a credit would be forthcoming when the sofas were returned to the warehouse. Before signing the XXXX bills provided by the delivery agent, I NOTED the DEFECTS in the SOFAS, and made copies to RETAIN FOR MY RECORDS. I contacted PNC Bank in XX/XX/2016 to dispute the purchase when XXXX did not issue a credit timely. A provisional credit was issued, and subsequently reversed XX/XX/2016. I made another transaction dispute on XX/XX/2016. It was subsequently denied on XX/XX/2016. I made another transaction dispute on XX/XX/2016, and it was denied on XX/XX/2016. I have provided this information by phone and in writing to PNC Bank at least 6 times. My written communication, fax confirmations, and PNC Bank correspondence is included in the attachment. As of this date, I can expect collection activity to begin for a sofa in the amount of {$3500.00}, that I do not even have in my possession, and was just plainly substandard quality. Additionally, XXXX advertises on their website that their furniture is manufactured in XXXX, when in fact I examined both of the tags on the sofas that were delivered to me, and each indicated being manufactured in XXXX not XXXX. Furthermore, as of this date, XXXX has not issued a credit for the returned sofas yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: STONEGATE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I believe that Stonegate Mortgage is improperly stalling my short sale. Most mortgage servicers are required to approve or deny a short sale within 30 days of receiving a completed application. If this applies to Stonegate, I think they are trying to get around this requirement by continuing to ask me for more paperwork. Since XXXX 2015, instead of a decision, I get monthly letters demanding additional paperwork. Sometimes Stonegate asks for additional information, other times they ask for the same information but in a different format, and they have even asked again for information that I have previously told them does not exist. ( I am working with a lawyer and even he says that Stonegate is the hardest company he has ever worked with. ) I have an offer on my house but event that is not enough for Stonegate to give make a decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
My name is XXXX XXXX myself and My Husband have been house shopping for about 6 Months. We hired a realtor to show us Homes. We finally settle on 1 that had been Foreclosed and was on the market for about 9 months. We decided to purchase that 1. We made an offer and the Bank ( PNC/XXXX/XXXX ) ACCEPTED OUR OFFER. Upon signing a contract we gave them an Initial Deposit of {$5000.00}. The realtor directed us to a Finance company the he uses for loans. Upon submitted documentation and sending in all required information we discovered we were doing a Conventional loan not an FHA. In which we thought we were doing an FHA, The lender inform us that the seller only wanted to go Conventional after weeks of getting information to her. Then I said Inform me my credit score had to be a XXXX to qualify now my score was fine with the initial contract for FHA. all i needed was a XXXX score. Then she call an inform me that she would willing to help me pay off my credit cards and bring balances down an dispute XXXX collections that i had. I did everything she ask me to do. Stated to me this will make my credit score go up. I ask her XXXX why dont we just go FHA Iam a first time buyer, she said no the seller Bank wants a Conventional loan. So I was pleased about that because Intially that is what we spoke about. Shortly after making all the inquiries on my Credit and those hard pulls bought my credit score down. So discuss moving from XXXX because she could not make it work. I spoke to realtor an inform him i was going to shop elsewhere, I Begin working with another Financial Entity and She email PNC/XXXX/XXXX -XXXX an inform them that she will be working with them on closing my loan and explain to them that she needed more time to do Title Search, Apprasiser, Survey etc. And they said we will give you more time if You give us {$5000.00} more dollars and NON-REFUNDABLE MEANING IF YOU CANT CLOSE WE GET TO KEEP YOUR {$10000.00} DOLLARS. I told them NO just send back my {$5000.00} I am not going to pay them {$10000.00} NONREFUNDABLE FOR 2 WEEKS. That is ridiculous and they want me to sign a letter of release so that they can keep my {$5000.00} These Banks are still taking advantage of the Consumer trying to take money that we work so hard for. I need your assistance and Help Please

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On  XXXX   XXXX ,    2017  I opened a citibank checking account under a promotion that required an opening deposit of {$15000.0 0} ( and keeping a balance of {$15000.00} for 30 days ) +  either  XXXX  direct deposit OR {$250.00} in debit card purchases within 45 days. On  XXXX   XXXX ,    2017  ( the last day of my 45 day s ), I made   XXXX   pu rchases with my debit card (  XXXX  ) receipts are attached. I went into a branch between those  XXXX  purchases to ask if that would be a method to fulfilling the promotion requirements. I was assured that I would qualify.     The promotion was NOT advertised as the purchases needing to post ( as stated in their investigation let ter ), I wa s assured by a branch representative at the  XXXX   XXXX   XXXX ,  XXXX   XXXX  branch that I would qualify ( there should be a record of my visit because I also came in to reset my password and they looked up my charges and told me to make the additional purchase before  XXXX  PST/ XXXX  EST, the purchases showed pending, I 've also attached a copy of an email with a citibank representative that acknowledges that at least the  XXXX  purchase was made on  XXXX / XXXX / 2017 .     The investigation letter is counter to the earlier email that acknowledges the {$140.00} purchase being counted as being made on  XXXX / XXXX / 2017 . The additional {$150.00} was made in the exact same manner, PLUS after getting confirmation from a citibank branch representative that the earlier charge was being shown.     The actions of citibank DO NOT line up with the terms advertised, contradict themselves and seem intentionally misleading.

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 2015-08-07
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a PNC bank account online. They verified my identity by asking me specific security questions and I funded my account with an instant transfer through a debit card. I then received my XXXX and account number and started to setup my direct deposit. A few days later, I got my ATM card and tried to activate it and was told to contact the bank. At the bank I was told my account was closed due to risk prevention and an incident I had in 2011 which was fully resolved. My direct deposit was already setup. I never received any communication from PNC that they are closing my account. I still have n't received any communication about the closure, but I have received marketing material and instructional mailings on how to use my new account. My money ( both my funding and my payroll ) is now in the PNC account but it is on hold. I have no access to it unless I take time off to go to the branch and get a check for my money. If they were n't going to open an account for an incident 3 years ago, then they should include that check in the opening process. They had my SSN, they ran a credit check, they could add their own security check into the process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-04
Company: PNC Bank N.A.
State: SC
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a refinance loan from PNC Bank in XXXX. The loan was to cover a PNC mortgage and a home equity loan. I am XXXX and my wife is XXXX. We had to cancel a loan application from another company because they asked to copies of cancelled checks from my wife 's clients they wrote to pay her. This is a requirement she can not provide. I informed PNC of this problem when I first contacted them. A loan officer last named XXXX, told me that was not a requirement took my loan application and {$500.00} for an appraisal. XXXX XXXX informed me via email that the loan was approved and gave a closing date of XXXX/XXXX/16. The time was later set at XXXX XXXX. However, at XXXX XXXX XXXX called me and said that the check copies would not be required to close. I told her we would not give the copies ; and even if we could, we could no do it in time to make the closing. I therefore feel that PNC lied to me, misled me, and took my money under false pretenses. I also think that the requirement for the copies was just an excuse to cancel the loan. Had PNC Bank told me at the beginning that the copies were required or that they feel uncomfortable loaning money to the XXXX or XXXX, I would not have proceeded with the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Hi. My issue is that Comenity Bank has n't reissued the card for my husband that I asked for nor increased my limit. The communication is shotty. I just filed a complaint. Instead of calling like I asked for they say that they can not do anything because there is n't a phone number listed on my credit report. Yes there is. I updated it last week directly through  XXXX . They need to update their systems. Attached to my complaint is my   XXXX   Report that I pulled directly through them with my phone number on it. I requested another card for my husband almost a month ago and I have n't gotten it. I see that they pulled my credit yesterday with my request for a credit limit increase, but no one has picked up that phone and called me. I have already filed a complaint with the BBB. My next step is to file a complaint through whomever regulates them. Is it the  XXXX ? Attorney General 's office. I have a few inquiry 's on my report due to this very issue. I would appreciate someone reaching out to me immediately. I am sure other companies would like our business because we pay our bills on time and we have never been late nor have had a return payment. I look forward to hearing from someone soon.     Please see the attachment in the personal statement section that shows my fraud alert with phone number. The information was updated last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Purchased an item and offered interest free for 24 months if I got their credit card ( GE Capital, now Sychrony ). I was given an amount to pay over those 24 months and set up automatic payment on GE Capital 's ( now Sychrony 's ) website. Problem is twofold : 1 ) Not really interest free, it is interest deferred ; and 2 ) the monthly payment they set up for me was a minimum amount and not sufficient to pay off the amount in 24 months. On 25th month, got hit with interest charges and late fees retro to the original principal amount, even though XXXX % of the principal had been paid. That was 34.99 % interest per month retro for 24 months! Statement just prior to last payment said nothing about this happening. Did n't know about it until interest charge appeared on next statement. In fact, 23rd statement just said that I had to continue to make the minimum payments to avoid a {$35.00} late fee. That was incorrect as well. I had to pay it off in order to avoid the penalty charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-05
Company: PNC Bank N.A.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Home is in foreclosure with PNC. I challenged whether or not PNC had my actual loan. I received, unsolicited, a letter stating " Based on a review of the information you provided, you have been approved for a conditional Trial Period Plan. '' I never applied for a plan and did not sign off on any plan. PNC 's attorney ( XXXX XXXX ) thinks I did but has not provided documentation despite repeated requests. I think this is a XXXX to XXXX homeowners into waiving rights.

Company response to consumer: Closed
Consumer complaint received 2015-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I just turned XXXX TODAY. XXXX XXXX. and i went to the bank to get a student loan as i had an appointment set from the day before. I get there and they tell me that there are things that are preventing me from getting a loan on my credit report like foreclosure and outstanding balances, XXXX like that. I just turned XXXX today so ive never owned a car or house or been convicted of a crime or any of that stuff that they were talking about so i really dont see whats going on. I start school in a week and I need a place to live, which is why i was at the bank for a student loan so i can pay rent on the first otherwise im out on the streets here in florida fresh out of XXXX. I temporarily live with my grandmother and she 's already packed leaving XXXX to return to XXXX. So I need a place to stay. Like i said i just turned XXXX and have no type of credit at all in anyway shape or form so there should be nothing on my credit report in the first place. I dont even have my drivers liscence so i clearly dont own a car or have any repossessions of any type. As i was trying to access my credit report from XXXX it asked me these questions regarding like mortgage and phone numbers i recently had or something when none of that applys to me AT ALL. I JUST TURNED XXXX TODAY MY DATE OF BIRTH IS XX/XX/XXXX. HOW WOULD I OWN A HOUSE AND BE ABLE TO PAY MORTGAGE. I 'VE NEVER EVEN HAD MY FIRST JOB!!!! I honestly have no idea what 's going on and why i cant get a student loan when i have NO CREDIT HISTORY. how are they gon na tell me about my credit history when i 've never had credit in the first place?!????!?!?!?!??!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?! this makes no sense.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: National Commercial Services, Inc
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Calling about an auto accident and claiming to have documentation that can affect my driving privileges. Will not leave his last name and states that he is with an insurance company but the number belongs to a collections company.

Company response to consumer: Closed