BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-24
Company: PNC Bank N.A.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attended and graduated from University XXXX XXXX in XXXX, Florida. I have a private student loan from PNC serviced by XXXX. In XX/XX/XXXX I contacted XXXX to find out how I can lower my monthly payment due to my low income. After several attempts with different representatives I was finally transferred to a gentleman named XXXX in the financial department of XXXX. He instructed me to fax over a written statement and supporting documents. The documents included a recent pay stub, copy of my XX/XX/XXXX tax XXXX, as well as income sensitive repayment request form. I faxed over everything as instructed. After 4 week I still had no feedback. I continued to make some kind of payment each month. I resent my paperwork again in XX/XX/XXXX and XX/XX/XXXX. Still no response. In an attempt to make a better yearly income, I went back to school to changed my profession. While in school I requested deferment of my payments. No response. In XX/XX/XXXX I received a letter from Attorney at law XXXX, XXXX, and XXXX debt collector. I faxed them back in XX/XX/XXXX That I had been making some kind of payment and that I had filed income sensitive repayment request to XXXX. I heard nothing back from them till XX/XX/XXXX they started leaving messages on the answering machine. I have no idea what has happened. I just was requesting a lower monthly payment so I can stay on top of paying off my loans. XXXX monthly payments {$470.00} a month, my yearly income {$16000.00} per year. I do n't know where to turn. I continue to request lower monthly payments till I can get my career on track. I take my state XXXX exam in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: FMA Alliance, Ltd.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
My name is XXXX, and I have had the telephone number XXXX for three ( 3 ) years. For more than a year, FMA Alliance has called me several times each month, insisting that I am XXXX. After failing to convince them that I am not her, for several times, I looked up her phone number and address on the internet. I even called her to confirm the info was correct. I have given that to FMA Alliance three ( 3 ) different times, They still insist that I am really XXXX and that I am lying so that I will not have to pay the bill. So I have attached two ( 2 ) recent bills that confirm my address and telephone number. One is from XXXX the provider of my telephone service. The other is from XXXX the company that provides my electricity and internet. Please try to convince FMA Alliance that I am really XXXX, not XXXX. XXXX address and phone number : XXXX, TX XXXX, XXXX

Company response to consumer: Closed
Consumer complaint received 2016-10-03
Company: PNC Bank N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
PNC Bank Services has interfered with my financial relationship at a company called XXXX XXXX XXXX loan by paying them money not in my account. They have for XX/XX/XXXX penalized my account for insufficient funds after they made this payment, and as of Friday, XX/XX/2016 held my direct deposit from social security retirement hostage where I can not asses the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: MO
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 disputed this account with Equifax since XXXX of 2021. I still have not received any results for their violations of my Consumer Laws. I am a federally protected consumer, and I am making this complaint against Equifax, for all of their violations. I have never given Equifax or XXXX XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Your prompt response to this matter will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
credit information older than 7 year if neg is suppose to be removed.the account i had with XXXX XXXX XXXX XXXX   was removed from XXXX  and XXXX with in two days the first late pay was XX/XX/XXXX and was supposed to be removed last year. i have filed 4 disputes so far with equifax and the company XXXX XXXX XXXX XXXX keeps changing the dates to XXXX and to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have Bank of America cash reward credit card since XX/XX/XXXX or XX/XX/XXXX ( this is also my first credit card ). I have set auto-pay for this credit card. It worked well in past years. But the auto-pay stop working since XXXX XXXX. I did not notice that since most time I use my other credit cards. Then I received a mail from BOA said I did not payoff my balance for 3 months, and I have to pay off the balance otherwise my credit card account will be closed. I paid the balance ( less than {$45.00} ) immediately. But my account still being closed, and my accumulated cash reward is also gone ( it is about {$24.00}, since it is less than {$25.00}, BOA said can not redeem my reward ). 


Actually, I 'm totally fine with the close of this credit card account. 
BUT this experience makes me upset and angry. 
1 ) it is not my fault that auto-pay does not work. I have credit cards of XXXX, XXXX, XXXX XXXX. and all other credit cards work well with auto-pay. The reason I set auto-pay is I don not want to spend time to keep an eye on them. 
2 ) I just noticed my FICO credit score dramatically drop from XXXX to XXXX after that. 

I have over $ XXXX in my BOA checking account, and they close my account for balance of {$45.00}, and the reason is their auto-pay does not work. Why they can not give me a call at the very beginning, but mail me after it happened for 3 months. 
The worst part is it will take me very long time to reestablish my credit, and it will affect my subsequent purchases ( mortgage interest ).

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 2017-04-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XX/XX/2016 I contacted ChexSystems to inform them of the ongoing ID theft situation, of my name change, and of a new negative report by XXXX XXXX XXXX XXXX was reporting. ChexSystems informed me that I needed to file yet another NEW police report for ID theft although they were already in possession of a verified and valid one. Nevertheless, a police report was provided to them. I phoned and spoke to a manager who informed me that the dates listed on the police report were too broad and thus required modification to specifically list XXXX XXXX XXXX XXXX individually. The police report was modified at her request and forwarded to ChexSystems via a fax number that the manager had provided and also by US Postal Mail. In XX/XX/2016, ChexSystems informed me that they 'd honored my police report, conducted their own internal investigation and permanently blocked the XXXX XXXX account from reporting. However, I have recently decided to switch banks and have been made aware that ChexSystems is till reporting the XXXX XXXX. My current financial institution has further informed me that they have a subscription that has verified that ChexSystems never deleted the item, but it has been consistently reporting and that'swhy my banking services have been limited with them this entire time. I contacted ChexSystems and they now claim to have no record of any supplemental or modified police report being supplied to them. However, I have located the letter they sent me where they verified that they had indeed received it and deleted XXXX XXXX. I have been a victim of ID theft for several arduous years. ChexSystems is well versed on this issue. They are violating the FCRA by allowing verified fraud to be included on my report when they have vigorously verified its invalidity. At no time has ChexSystems ever notified me that they 'd either elected not to delete or had re-reported the fraudulent account. ChexSystems is required by law to permanently block and delete the XXXX listing immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: PNC Bank N.A.
State: PA
Product: Credit card
Issue: Transaction issue

Complaint:
I applied for a pnc credit online and was approved with a credit limit of {$1000.00} and cash advance limit if {$100.00}. One of the selling points that made me apply for the card is that it provided overdraft protection to my existing pnc personal accounts. A few days later I used PNCs VirtualWallet ( online/mobile banking ) to transfer {$3000.00} from my personal checking to my personal savings so I thought. What I actually did was transfer the funds from my savings into my credit card that I was just approved for but had yet to receive in the mail therefore the card was not activated. The {$3000.00} transfer was processed as a credit card over payment- when I never activated the card. I noticed the mistake and contacted PNC the next day to have it corrected. I was told that it takes up to 10 days to refund me my " over payment '' from an account I never activated so it should never t have even accepted the payment. This is now day 5 and I 've been assessed XXXX {$36.00} NSF FEES to date because all of my liquid funds were put onto the credit card account that was n't even activated. Again, this credit card was supposed to protect my personal accounts from overdraft but is not because it 's not activated. At this point I do n't even want the card or to continue banking with PNC but in order for me not to receive these fees that they should not be assessing me because the credit card should not have accepted the accidental over payment they are going to force me to activate the credit card that is the cause. This is preditory. Even if I were to activate this card it will only allow me a {$100.00} cash advance which does n't even cover the fees. Mean while there 's {$3000.00} of my money on this card as a over payment that I can not access. It took 3 seconds for Pnc to allow a payment ( that technically should not be allowed on a account that 's not activated ) and 10 days to return it?. My bills are not being paid including and I am in a state of crises because all of my accounts are overdrawn but PNC HAS {$3000.00} of my money and wo n't even utilize the overdraft protection that I signed up for when I applied for the credit card.

Company response to consumer: Closed
Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
I lost my wallet a year back that resulted in me being a victim to identify theft.I contacted experian as well as XXXX  via letter XXXX XXXX. it is now XXXX  XXXX and i have yet to recieve a reply.

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 2020-05-14
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I tried to do a simple refinance with of my existing VA loan with the same lender ( Freedom Mortgage ). I applied online and was shown a lower interest rate and told that documents would be mailed to me in 48 hours for me to sign to lock in that rate. I even called and spoke to a broker from the company and was promised it would be no problem. Well, I never received any paperwork from the company. I called and left 5 different messages with the broker over a 3-week period with  no follow-up whatsoever. I've tried calling, but it is impossible to get through the prompts to speak to anyone. After following the prompts they hang up on you. Funny thing, this company never seems to have a shortage of people to call me and solicit for reverse mortgages and other things that I don't want. I've repeatedly asked to be on their " do not call '' list to no avail. Beyond frustrated that a company can take advantage of someone on a VA loan like this.

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 2021-02-22
Company: RS Clark and Associates, Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Rs Clark and associates is still showing an unpaid balance to original creditor XXXX XXXX XXXX. I call XXXX XXXX and they confirm I have a XXXX balance and it was paid 3 years ago but refuses to provide proof. Neither company will communicate with the other and my efforts to dispute with XXXX and XXXX  were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credence Resource Management contacted me without my consent and attempted to collect an alleged debt. They did not disclose to me I had a right to dispute. When I learned my rights I sent letters in which they did not respond within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
A while back I signed up with Bank of America, for merchant/credit card processing. The issue is the credit card machine lease that BoA sneaks into the deal. They mention free, but it turns into a 48 month lease contact for $ XXXX for a {$300.00} machine. It was just a deceptive sale on their part. Contacted BoA sales rep regarding issue, tells me to contact first data, and to offer to buy out machine lease for less than lease term. Called first data ... and Not a chance of that working. Another example of their mis-info or understanding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient is terrible. They offered no help, no advice, no point in the right direction for when I first graduated. The same applied for when I lost my job last year. All they told me I could do was forbearance. They offered no alternatives or help. Worse service than the DMV. So that should tell you something.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX and XXXX also has the BK reporting incorrectly. Experian does not have on their report and should not BK was dismissed and closed XX/XX/XXXX. They have confirmed somehow that is has been discharged. 
I will upload all documents I have : Please review and update supplement : BK case was never discharged. Discharge Waiver This case was then reopened XX/XX/XXXX and then terminated XX/XX/XXXX BK case closed/dimissed XX/XX/XXXX XXXX case was closed without a discharge of debts. Then, a pre-bankruptcy asset was discovered, so the case was reopened. Then, the asset was liquidated and distributed to creditors, and the case was re-closed -- again, without a discharge. That is the correct procedure. 
XXXX 
XXXX 
XXXX, MO XXXX Phone : 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 non-monetary relief
Consumer complaint received 2017-01-11
Company: Integrated Recovery Services
State: WY
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX XXXX XXXX, gave me a call saying she is a court mediator XXXX fraud cases filed against me in XXXX County the county in which I live. 
Advisor I 'm not familiar with this debt and believe it may have been fraudulently done by my ex had access to my bank account but I do not know that for sure and to send me information and verification of debt as I 've asked many times from the same company, I 've been dealing with this company for a year and have still yet to get any verification of debt. 
She said if I did not pay the settlement amount of {$160.00} today I would be served within 72 hours and if it was my ex has filed it that 's not that I am still the financial person on there and need to pay this debt today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Contact my mortgage broker, XXXX XXXX on XXXX. He advised me to contact to contact XXXX XXXX. XXXX was hired by myself & the private sale purchaser hired to draw up the Legal documents and accepted payments which were submitted to Wells Fargo, they failed to process the necessary paperwork on their behalf. Currently house hunting to actively purchase and was provided the same information from both realtors. My credit report still actively reporting against me for the property in WI, negatively reporting and affecting my credit score, and ability to purchase a new home. This is almost 5 years of damage to my credit report and now negatively affecting my ability to have a roof over my head, as my apartment lease is up and I cant get an approved for a loan. I called Wells Fargo XXXX and the employee sent me an email with the same exact document that I received from XXXX XXXX on XXXX, stating that it is paid in full and the deed has been satisfied, fully cancel, and discharged from 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 2017-01-20
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have enrolled in Navient 's rate reduction program. Being that this is my 3rd year on the program, I know how it works. I have confirmation of my enrollment in the program. In checking my account, I have found several times that my loans are past due. This should not be the case as the rate reduction program calls for automatic withdrawals. In calling Navient to express my concern, I was told that one of the loans was left out of the lineup when I enrolled in the program. However, that is a company issue, not mine. Navient gives no notice that something is awry with a person 's account, and holds the customer responsible for THEIR mistakes. A loan is something that can affect credit, if my loans are past due, without MY knowledge, that can certainly affect my credit. As the customer, I should not have to call and check behind a company. If you value your customer 's, you will make sure they are satisfied. I have done my part in enrolling myself back in the program, and Navient makes excuses about not doing their part. I should not, and will not, be made to pay late fees on loans that I confirmed were in enrolled in the rate reduction program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Money Management International, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A perpetrator falsified  XXXX  on or around  XXXX   XXXX ,  XXXX . I suspect spoofing crime which bribed authorities on  XXXX   XXXX ,  XXXX . The same pattern of hazing crime was committed on another reference number which helped criminals make advance by falsehood and unconstitutional response to  XXXX . If a government does not care to pay or waste   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , it would not be my concern or fear. After all, some of them took grants, contracts or scholarship by malpractice or identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was charged {$28.00} on my XXXX XXXX statement I disputed the charge and the only way BofA would investigate the charge was to make a fraud claim. .On XX/XX/XXXX the amount of {$28.00} was deducted as a fraud dispute. i was notified on XX/XX/XXXX that the merchant gave me credit for {$27.00} and {$1.00} which totals {$28.00}. But this was not true. The original dispute was only one transaction totaling {$28.00}. No where on the statement is their a credit of {$27.00} and {$1.00} which totals {$28.00}. Only an adjustment that added the amount back on the credit card. I called BofA again and I was told there algorithm automatically made that adjustment. I again made a claim. My XXXX/XXXX  XXXX showed a previous balance of $ XXXX.I called again and was told they would investigate it. I received a letter dated XX/XX/XXXX that " XXXXyour claim has been resolved ''. A few days letter I received my XXXX/XXXX  statement and the charge of {$28.00} is still on the bill and there is a new fee of {$1.00}. Again I called and was told the account shows a credit that will post XX/XX/XXXX. I called the credit card number and the auto services said I was going to be placed in collection because my bill has not been paid in two months. Every time I called the clerk makes notes and I am told the call is being recorded

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 2020-03-03
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted on Sunday XX/XX/XXXX at XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation