BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-13
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
ON XX/XX/XXXXI SIGNED DOCUMENTS WITH NATIONAL CITY FOR A PIGGYBACK OR SECOND MORTGAGE TO PURCHASE MY FIRST ANY ONLY HOME.I WAS LATER INFORMED BY NATIONAL CITY THAT PNC BANK HAS MY MORTGAGE, I CONTINUE TO MAKE MY MONTHLY PAYMENTS TO PNC BANK WITHOUT ANY MONTHLY STATEMENT. I LATER RECEIVED A CALL FROM PNC BANK INFORMING ME THAT THEY WILL SEND ME MONTHLY STATEMENTS WHICH I RECEIVED.IN XX/XX/XXXX, I PAID OFF ALL LATE CHARGES AND PAYMENT DUE FOR THAT MONTH. I RECEIVED A PAYMENT BOOKLET IN THE MAIL AT WHICH TIME I CONTACTED PNC BANK AND ASKED WHY WAS I NOT RECEIVING ANY MORE MONTHLY STATEMENT. I WAS TOLD I HAD MADE PAYMENTS BEFORE SCHEDULED DATE BUT I WILL BE MAILED MONTHLY STATEMENTS AS I REQUESTED. THE WOMAN I SPOKE TO KEPT REFERRING TO THE MORTGAGE AS A HOME EQUITY LOAN ; I EXPLAIN TO HER THIS IS A SECOND MORTGAGE OR PIGGYBACK MORTGAGE THAT WAS GIVEN TO BE ALONG WITH ANOTHER MORTGAGE. ON XXXX XXXX ; I RECEIVED A STATEMENT IN THE MAIL. PMT AMT DUE {$31000.00}. LATE CHARGE {$3100.00}. PREV. LATE CRG {$260.00}. TOTAL AMT DUE {$35000.00} DUE XX/XX/XXXX.THE PAYMENT BOOKLET I RECEIVED EARLIER HAD PRINCIPAL BALANCE OF {$31000.00}. I CALLED PNC BANK AND WAS TOLD THAT MY MORTGAGE HAD MATURE AND I AM EXPECTED TO MAKE THE BALOON PAYMENT OF FULL PAYMENT.I ASKED WHY I WAS NOT INFORMED BY PNC BANK BY EMAIL OR MAIL OR WHEN I HAD CALLED ABOUT THE BOOKLET I RECEIVED IN THE MAIL? I WAS NOT GIVEN AN ANSWER OR EXPLANATION.WHEN I ASKED IF THE INTEREST RATE WAS FIXED OR VARIABLE I WAS NOT GIVEN AN ANSWER. I HAVE MY OTHER MORTGAGE WITH XXXX BANK I RECEIVE MAIL INFORMING ME OF CHANGES I MY MORTGAGE PAYMENT. WHY IS NOT PNC BANKING DOING THE SAME?. I HAVE BEEN MAKING PAYMENT ON THIS MORTGAGE FOR THE PAST 15 YEARS I DID NOT OWN A HOME WHEN I TOOK THIS MORTGAGE WITH NATIONAL CITY ; HOW COULD THIS BE A HOME EQUITY LOAN? I AM REQUESTING HELP BECAUSE THIS DOES NOT APPEAR RIGHT OR LEGAL. WHEN I WAS PURCHASING MY HOME I WAS VERY EAGER TO OWN MY FIRST HOME AND DID NOT PAY ATTENTION TO THE FINE PRINTS AND WAS NEVER INFORMED BY PNC BANK OVER THE YEARS OR AT ANY TIME THAT MY MORTGAGE HAD A MATURITY DATE. I NEED HELP PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has not verified an account that they nonetheless continue to report incorrect activity on. I disputed the account well over 30 days ago and they can not verify the account, so under Section 611 ( 5 ) ( A ) of the FCRA : they are required to " promptly delete all information that can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent numerous letters disputing the validity of medical bills on my report. I 've asked for validation in which they respond VERIFIED .... which is NOT TRUE!! I am uploading a recent letter from the creditor appearing on my report. Which clearly states THEY HAVE NO VALIDATION. How can these accounts been verified if the source CANT VALIDATE?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
This is not a duplicate case. Please escalate this to a supervisor or manager. Here is a copy of my complaint submitted to the CFPB. 

RE : Capital One Spark Business Credit Card. 

1 ) My credit card issues rewards 2 %, There is no record of redeeming any rewards ever, and my rewards balance is XXXX. When I contacted Capital One about the rewards, the ignorant person did not understand the problem. Capital One has stolen my rewards. I am missing a few hundred dollars in rewards. 

2 ) I told capital one that they merged my personal bank account with my business bank account and they have different tax ID numbers and they refused to separate the XXXX accounts. They are currently merged. I told capital one that XXXX tax id 's should require XXXX separate username and passwords and the ignorant customer service did not understand the problem even when I requested to escalate the problem. 

3 ) Capital One has not changed their Customer Service system and it is impossible to contact anybody for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have made multiple attempts to contact the bureau in order to correct the eroneous items on my credit report. I have either not received a response within 30 days and most recently it has been over 60 days without a response or the items have not been investigated due to the fact the dates did not update. I have sent letters XX/XX/20, XX/XX/20, XX/XX/20, and now XX/XX/20. I have multiple bankruptcies reporting on my credit report that have not been filed and the bureau refuses to correct or send proof of these accounts belonging on my report. It is not fair that I am being negatively affected by these mistaken erroneous accounts. I will attach the most recent letter I will be sending out to the bureau.

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: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The account in dispute is with Citibank which sold the account to XXXX XXXX. 

The settlement was initiated in the amount of {$3000.00}. Citibank received a check # XXXX in the amount of {$3000.00} dated XX/XX/2019 on my behalf from XXXX, XXXX. In the note, it references Account # XXXX XXXX XXXXXXXX. 
The check ( # XXXX ) was deposited by Citibank on XX/XX/2019. 
I have a copy of the deposited check that shows proof of payment and deposit. Citibank has refused to acknowledge this payment. I have repeatedly asked Citibank to rectify this matter and they have refused to. Their response is they have to record. 
Citibank illegally sold this account to XXXX XXXX. They have continued to report false data. I have repeatedly informed XXXX XXXX that they are attempting to collect a debt that has been successfully paid. This is having an adverse effect on my credit and both companies refuse to properly reconcile this matter.

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 2016-08-10
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Issue: Other fee

Complaint:
I used Barclay Cards website to make my online payments. I did not realize that I had selected through there website an old account that I was no longer using and I had selected a payment to be paid in XXXX and XXXX which was returned was account frozen.

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 2016-05-09
Company: CMRE Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked CMRE to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to 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 2016-07-21
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Late fee

Complaint:
I applied for this card so that I could take advantage of the 12 month free financing and what a hassle this has been! I have closed my account because of all the errors generated either by automated computer or by personnel. I have to mention I have talked with the general manager and sales rep and they have been very nice and compliant about reversing the charges that were incorrect. The issue has been with the numerous calls from Synchrony bank stating that I owe a late fee and my account balance is past due when in fact that is not correct! The automated pay system that Synchrony has is horrible! It doens't take out any money, even when the account was setup properly. I became so frustrated with this hassle and paid my balance in full and closed my account. However it did not end there, for some reason Synchrony bank yet again messed up and charged me {$25.00} after my account was closed. I am wondering why they still have my personal checking account information after I closed my account. Apparently the {$25.00} charge was interest that was due, although I was never late on my payments and I had the 12 month free financing. I called into Synchrony bank to get my charge of {$25.00} reversed because it was an error and they agreed no problem, BUT you have to wait 3 days or about 48 hours and CALL BACK again to " make sure that your payment gets processed ''. WHAT POOR CUSTOMER SERVICE!! VERY INCOMPETENT FOR A BUSINESS THIS LARGE TO HANDLE AMAZON ACCOUNTS!! I will NEVER use SYNCHRONY Bank again as it has been such a hassle to use. All I would like now is to receive a check for my {$25.00} and not have to call back ever again. I have also put a very poor rating on Amazon 's website about this card through Synchrony bank and hopefully Amazon realizes that through enough customer complaints and will get rid of Synchrony Bank as their primary store card and use a more reliable, hassle free company.

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 2016-03-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
To satisfy payment obligations for my Lowes Credit Card I am enrolled in the Merchants ( Lowes ) on line auto pay system. However, it has come to my attention that the Lowes system does not debit my account according to the billing due date. Instead, the system either debits the payment after the grace period or skips the debit process entirely. I made a complaint about this to an account representative late last year and was told the auto pay had a glitch and that I would not be charged any late payments or be reported late to the credit bureaus. Today, I reviewed my account and learned I had been charged a late fee 4 times In the last 12 months due to auto pay failure. I contacted Lowes and requested a credit. I spoke to XXXX representatives who along with their supervisors agreed that all fees should be removed. However, I was disconnected each time during the conversation before the removal of the fees were finalized. Each time I called back I learned their were no notes in the system indicating I would receive a credit. On the third call, I was informed again by a very reluctant representative that I would receive the credits on my next billing cycle. I requested that notes be made in the system to ensure no further confusion should the credit not post. However, given the difficulty that I have had so far, I am doubtful that I will receive the credit as promised. Furthermore, I am concerned about the predatory nature of a credit card company offering an inferior bill pay solution and charging fees to the consumer when the system fails. In my case, my minimum payment was {$25.00} but I was being charged {$27.00} every time Lowes debited my payment late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
The loan officer maintained control of the wireless mouse and told my husband and I he would walk us through the disclosures but he never passed us the mouse to give us control so that we could read through to click or check off to agree with or read the disclosures. We had every intention of completing the process but what if others do n't. Is this the norm?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2017, PNC Mortgage received a copy of the correspondence sent to me advising me that my annual homeowners insurance premium was due on or before XX/XX/2017. I DO NOT escrow anything other than the Flood Insurance. I escrow that because, according to the bank, it 's required by Federal Statute. The policy bill ( again, they were copied on the document and it showed that I was the responsible party for payment via direct bill ) was for {$2200.00} and the insurance department paid it even though I do n't escrow for it. They then increased our payment from {$1000.00} to {$1400.00} to cover the shortage. It ; 's been 35 days, today, of them promising to fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CMRE. XXXX XXXX. {$150.00} Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: American Credit Acceptance, LLC
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
American Credit Acceptance opened a fraudulent auto loan with my information. After filing a complaint with my local law enforcement, the FTC and reaching out to them to request additional information and remove the fraudulent information, they have not responded. I will be mailing a follow up letter today.

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 2017-03-15
Company: PNC Bank N.A.
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
I had an account with PNC Bank. I was given checks by a family member, which I then deposited in each of my PNC accounts ( Spend, Reserve, and Growth ). Then, I was informed by the family member that he thought he grabbed the wrong checkbook, and used one of his old accounts. So I knew the checks would be returned. I called PNC to notify them and also stopped into my local branch to notify them. I had used {$200.00} of the funds made available immediately. However, the bank had placed a hard hold on my account when I found out as I tried to deposit {$500.00} through the ATM to make sure that my account did n't go into a negative balance. The ATM would n't allow me to make the deposit, so I stepped inside the branch to do so. I asked the bank employee to make a deposit in each account and she told me that she would just deposit it in the spend account ( which did not have a negative balance ), and transfer it over to the other XXXX eventually. After a few days, the money was still not transferred over and the bank had started charging me c '' continuous overdraft '' fees of $ XXXX per account. I contacted the branch and they reversed the fees. However, on the day after the reversal, the bank charged me continuous overdraft fees once again, then closed the account. When I called the branch to tell them, they said they ca n't do anything about it because it 's closed and offered me a {$20.00} stop & shop gift card. When I spoke to their closed accounts department, they told me they ca n't reimburse me because they already gave me courtesy reimbursements. Now, I would never have in tired those fees if they 1 ) had n't put a hard hold on my account, and 2 ) the bank employee was n't too lazy to write out XXXX deposit tickets so I could make a deposit in each account. I do n't mean to make a XXXX over {$14.00}, but there 's no reason they should have it for something that was in their control. I had enough funds in my spend account to cover the negative balances of the other XXXX accounts, but they would not transfer it over.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: American Credit Acceptance, LLC
State: NE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Company is using unfair collection practices to obtain payment for a debt. 
Company calls multiple times a day and will not leave a voicemail. Any attempt to leave a voicemail is generally dead air. 
I informed company on two occasions, verbally XXXX XXXX, 2016, and via e-mail on XXXX XXXX, 2016, to only call MY PHONE ( therefore, removing my wife 's number and all other numbers associated with the loan with the exception of my cell phone ), provided the phone number and told them to leave a message. I would need to receive a voicemail in order to return a phone call. 
As of today, my wife continues to receive phone calls with no voicemails to either her phone or my phone.

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 2015-05-22
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
LJ Ross assoc has an account on my credit report from consumers energy in XXXX mi. from XX/XX/XXXX in XX/XX/XXXX they threatened to take me to court. It was for {$2000.00} with fees and interest it came to {$2600.00} so i took out a loan from my retirement fund and paid it off in XX/XX/XXXX.I am trying to clean up my credit report and asked LJ ross to delete the account, they said only if the original creditor asked them to delete it.I contacted consumers energy and they were willing to help me out and made a call to LJ ross. XXXX at consumers XXXX XXXX was refused. So i called LJ ross back and they said he did not ask them to remove it, XXXX called back and was very specific this time and was refused again, so for a third time i spoke with XXXX at LJ ross XXXX she again said that if consumers energy called them they would have the account deleted from my credit report, this time with in XXXX minutes i had XXXX from consumers call LJ ross and again he was refused. I never went to court I payed it off way before the court date came up.please help.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am a homeless veteran who finally has a chance to buy a home and since XX/XX/2016 we have been establishing credit card payments, with major card carriers to help establish credit. The XXXX bureaus have NEVER reported any positive credit, now since rates went up it will cost us XXXX of {$1000.00} in interest payments or home ownership altogether. It has also come to my attention that they do this practice mainly on middle to lower income American 's to force higher interest rates.

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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX the below account names and numbers has violated my rights. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2016-11-16
Company: SYNCHRONY FINANCIAL
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am filing this complaint against SYNCB/CARE CREDIT. 

I joined XXXX last year 2015 and saw this company listed on my reports as a charged off account that was sold to another lender. I have never done business with this company and have reached out to them several times by mail in the year 2015 to current with no success, requesting them to validate this debt/account by providing me with prof of contract bearing my signature. 

None of my letters that I mailed to this company were ever returned to me, so this year I decided to mail my letters certified mail with a return receipt to see if someone signs for my letters and they did. 

All though they signed for my letters they never responded back to my dispute and failed to report to the credit bureaus that this account is being disputed by me within the 30 day time frame. 

I feel that I have made every goodwill attempt to reach out to SYNCB/CARE CREDIT to correct their records by removing this negative incorrect listing from my credit reports, so I feel that I have no other choice but to file a complaint with you in the hopes of getting this problem resolved. 

My good name has suffered do this and my last resort will be small claims court, however I 'm hoping that you all can assist me with getting this problem solved once and for all. 


Thanks in advance.

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