BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-06
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I called my bank ( PNC ) XX/XX/XXXX ( 3 weeks ago ) and asked if I could get an extra couple of extra weeks to make my XX/XX/XXXX payment. I had done this once before in the past. This time, the woman on the phone told me I could skip my XX/XX/XXXX payment, and resume with my usual XX/XX/XXXX payment ( I have my payments taken automatically our of my account on the XXXX of the month ). Tonight at XXXX when I do n't really want to have to talk business, I get a call from PNC asking about my XX/XX/XXXX payment, telling me about a late fee and wanting to know what I can pay now. XXXX departments in the bank that do not talk with each other?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2015-03-20
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have been attempting to close out an underperforming Roth IRA account with PNC and transfer funds to another institution for over 30 days. I initiated the transaction at a PNC branch and followed the instructions that were provided by an investment banker at the PNC branch. About XXXX weeks after completing this transaction as instructed by the investment banker at the branch, I received, in the mail, a notice that PNC was not able to complete the transfer. The package provided did not include clear instructions and a number of the forms included were completely illegible ( examples attached ). I called in to PNC customer service on XXXX and was directed to XXXX XXXX, who identified himself as an IRA consultant. He was somewhat verbally abusive and refused any help beyond recommending that I complete the identical process again. I believe that being denied access to my funds, provided with illegible forms to sign and being provided no clear reason for denying me my funds to be an unfair practice on PNC 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax has failed to separate my information from my siblings. Equifax disputes were previously submitted ; however Equifax has failed to correctly fix the disputes. My siblings and I have similar names, but separate dates of birth and separate social security numbers. In 2020, I called Equifax 's number in order to obtain a copy of my free credit report before applying for a loan. The Equifax automated system pulled my information and the credit report was sent. After I received my report, I applied and received a loan through XXXX XXXX XXXX XXXX. The loan through XXXX XXXX XXXX XXXX was successfully paid off, and I was in good standings with XXXX XXXX XXXX XXXX. 
My sister recently, created a MyEquifax account using all of her personal details. After the account was created, she noticed that all of my personal information displayed under her newly established MyEquifax account. Since then, several disputes were submitted, and Equifax failed to resolve the issues my separating our details as well as correctly attaching the correct social security number to the correct person. Somehow, Equifax has merged our personal details, and we really need this fixed accordingly. 
There a several disputes with Equifax that are listed on my sister 's MyEquifax account. Both of us tried to get this corrected. Equifax also inaccurately placed my disputes under her username and login information. The disputes listed were not resolved correctly by Equifax. The Equifax dispute numbers are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. We have also disputed and escalated our concerns and the file confirmation numbers are : XXXX and XXXX. Equifax has given us the run-around. This is causing me financial hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went in to close my PNC account. It was negative at the time and I paid to bring it up to a positive balance and then closed it. The lady I spoke to who was closing my account said she put it in, but since it was a Saturday it would n't go through until Monday or Tuesday which was fine. She then cut up my PNC card and that was it. About 3 weeks later I got a notification that my account has been over drafted. I spoke to them on the phone and they apologized, but said I needed to pay the fees and then close my account again. Now I am being charged calculated service charges for an account that was supposed to be free and also closed over 2 months ago. At no point was I notified that they could n't close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSWORLD SYSTEMS INC
State: NJ
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 filed a dispute for a XXXX XXXX bill that went into collections providing proof of the lease at my next apartment showing that I was not in occupancy at the time of the bills. The bills are a fraudulent use of gas after I was no longer at this apartment. I provided the lease and details to the credit agency and the debt collector and it has not been removed and their latest dispute shows the info valid. It is wrong. I can provide the lease at my next apartment if that is of value, Source : XXXX  Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : TRANSWORLD SYSTEM INCXXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
To whom it may concern ; This is now my XXXX attempt to get resolution to my multiple concerns. I have already filed ( XXXX ) CFPB complaints ; Case # 's : ( XXXX & XXXX ). First and foremost, whomever is to receive this complaint please read the previous complaints so that you will have a good grasp s to what has been going on these past two weeks. 

I have been dealing XXXX XXXX XXXX at NFCU throughout last week. The last time we spoke was on Friday, XXXX XXXX, XXXX. At that time, he had agreed to at the very least have my 30 day late removed from the credit bureau 's and to find a way to stop additional reporting on the XXXX account in question until the investigation of my complaints have been completed. I told him that I was willing and able to come in to a branch a pay my minimum payments of {$330.00} x XXXX ( XXXX, XXXX XXXX & XXXX XXXX ) to total {$1000.00}. I came up with this amount per the Declarations page line # XXXX. In return, he was supposed to get the authority to have the 30 day late removed and to stop further reporting. XXXX XXXX told me that he had a meeting this past Friday at XXXX EST and that he would be getting back with me after this meeting. I have yet to hear from him concerning the status of everything that has been discussed. 

Furthermore, as of this past Friday, XXXX XXXX, XXXX I called and spoke with XXXX Fraud department to let them know of what was going on with NFCU and that I wanted to dispute my not being late and the effective balance and monthly payment that was reporting to XXXX as inaccurate and additionally based on unauthorized transactions. XXXX at that point filed a dispute on my behalf under the Fair Credit Billing Act which in turn is supposed to immediately stop reporting all data attached to this trade line until NFCU has had an opportunity to investigate further. 

XXXX XXXX is also under the impression that NFCU has up to 60 days to respond to my CFPB concerns, which is false under the circumstances I have brought forward to NFCU. At this juncture, I simply can not understand why I have been dealing with this for the amount of time I have with NFCU and yet there is still no resolution and not even remotely any consistent conversations with me as a customer. I continue to be told that I will be called back with a " status '' but this has yet to happen. 

Unfortunately, today is now XXXX XXXX that is reporting my being late with this account and is the last day that we can move forward without irrevocable harm to my credit. How much effort should a customer have to bestow to the creditor in order to pay a debt that is deemed the ethical and more importantly legal amount owed on a monthly basis? 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My government student loans are reported separately as open and closed accounts on my credit reports from Equifax, XXXX and XXXX. The " closed '' accounts report negative information, whereas the loans are reported again in the " green '' and positive separately. I want the negative ones removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: NJ
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:
This is a credit card or line of credit and it moves my utilization to 102 % which is highly negative because they don't show the limit. I've provided the attached from XXXX and they continue to state that it reports properly. I currently have a limit of {$8300.00} ( which Experian reports as {$0.00} ) and utilization of {$7500.00}. This wrong reporting seriously damages my credit score. 



Account info Account name XXXX  XXXX Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$8300.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$460.00} Credit limit - Highest balance {$9000.00} Terms 1 Months

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 2015-05-12
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX, I refinanced a loan originally held by Green Tree Servicing LLC., with XXXX. XXXX sent XXXX separate payoffs checks to Green Tree. XXXX was on XXXX XXXX and XXXX was on XXXX XXXX, XXXX. The loan was never processed by Green Tree and I continued to receive bills. I contacted Greentree on XXXX XXXX, and advised them of the issue through a three way call with a XXXX rep. The rep for Green Tree ( XXXX ) was provided the routing and bank information where the disbursement was sent to. Ironically, I settled XXXX additional loans through XXXX with Green Tree and there were no issues. XXXX indicated the funds were there but had to be verified. By XX/XX/XXXX the issue had not been resolved. I contacted Green Tree several more times and no one was willing/able to help me. I also spoke with XXXX ( manager ) who indicated the disbursement was allocated to a different loan and would have to be transferred to the loan in question. Of course, nothing was done and on XXXX XXXX, I spoke with a rep for Green Tree who was actually helpful. She indicated I had a suspended credit disbursement, but the payoff still did n't appear. She attempted to reach XXXX, but to no avail. Today, XXXX XXXX, I received XXXX identical letters from Green Tree indicating that they were looking into the issue. Technically, I have XXXX loans for XXXX home and am still being contacted by Greentree for payment. An additional concern is whether my credit will be affected. According to XXXX, the disbursement checks were cashed by Green Tree on or about XXXX XXXX. 

Green Tree is a terrible company who has poor customer sevice. They make ridiculous mistakes and do nothing to rectify the situation. At this point, I believe they are intentionally affecting this process. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax has continued to report, a chapter XXXX I filed in XX/XX/XXXX, that was dismissed because I did not pursue the protection I initially asked for..That was 9 years ago ..having said that they are the bureau continue to score me in very poor credit risk debtor In low standing, although I have long ago re established .. a good payment history credit history my low credit score does not reflect my ontime bill payment.. & if credit card use & Inquiries is the standard used to dictate score.. they should " Check with those companies or 'Report ' those bill paid up as of XX/XX/XXXX ' & mainly stop reporting me as 'Very Poor ' when it comes to paying my bills & correct my score to reflect my excellent record ..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Upgrade, Inc.
State: NJ
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:
This is a credit card or line of credit and it moves my utilization to 102 % which is highly negative because they don't show the limit. I've provided the attached from Upgrade and they continue to state that it reports properly. I currently have a limit of {$8300.00} ( which XXXX reports as {$0.00} ) and utilization of {$7500.00}. This wrong reporting seriously damages my credit score. 



Account info Account name UPGRADE INC Account number XXXX Account type XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$8300.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$460.00} Credit limit - Highest balance {$9000.00} Terms 1 Months

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Sullivan Asset Management, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX XXXX of XXXX calling me daily and calling my relatives and threating me with supenoeas and legal action about a past debt. They have called me and my relatives mutlitples times. They need to stop and just send me complete documentation of the debt and what i owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Unfortunately, I am writing to you again about Ditech. They have failed to correct my account. In fact, they sent us a large envelope with papers stating we are behind on our mortgage along with some hardship documentation. I have been paying our mortgage religiously every two weeks. Moreover, I have attached documentation to prove it. Furthermore, they stopped posting our payments on their site. The payment history from Ditech is showing our last payment to them was on XXXX XXXX, 2016. However, I just made a payment toward our XXXX payment on XXXX XXXX, 2016. I still need them to correct our account. We are not late on any payments. I attached the bank statement showing we have already paid half of our mortgage payment for XXXX, on XXXX XXXX, 2016. Can someone help us, please? The last customer service representative I spoke with told me Ditech had up to XXXX XXXX, 2016 to correct our account. Today is XXXX XXXX, 2016, the account is still incorrect. You will also see how the monthly statements are changing. Why is so hard for them to correct our account? I am so tired of dealing with these people. They are crooks. Help!!!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Trying to avoid foreclosure-Servicing rights transfered to Green Tree LLC byXXXX Bank. Not eligible for Harp or Hamp I am told- What would really help is '' Mortgage Debt Reduction '' with new 40 year terms and 2 % interest which couldmake modification payments reasonable and manageable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
On XXXX XXXX,2015 I had a house fire in XXXX room of the existing house contain to XXXX room of the house not the mobile home that is mortgaged to Greentree. 
The insurance company paid off the fire but the check was made out to myself and Green Tree I was told to send the check for their endorsement in doing so they kept the check requesting different documents after submitting everything I thought they asked for they have yet to send me anything to complete the repairs with. I had a friend helping me with the repairs but he got a job and had too stop so I have done the job myself with donations and love offerings for family and friends and have explained this to them, now they want the contractor number and all sorts of things but have not release any of the funds. They did send back the money I paid the guy for helping and the little I paid for the supplies I was able to buy but, nothing since then I have tried on several occasions to speak with someone from the claims dept. when they 're not being rude they put me on hold then hang up and wo n't answer the phone anymore

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
After years and years of paying interest fees to Capital One, I was finally able to paid off my credit card. However, Capital One still decided to keep charging me for interest fees for a balance that was paid in two billing cycles XXXX thru XX/XX/2022. I was hit with {$14.00} for interest charges for XXXX statement that was paid in full. 

I called Capital One 's customer svc I spoke to a lady named XXXX in XXXX, AZ but she hung up. I called again and spoke to a lady named XXXX in XXXX. I requested to be transfer to a supervisor in the U.S and I've got XXXX in VA. The supervisor refused to credit me back the interest charges because, she said there was nothing else she could do. She provided me with the Capital One po box for their corporate office.

Company response to consumer: Closed with explanation