BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-28
Company: Experian Information Solutions Inc.
State: FL
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:
The account listed below was not done by myself. please delete it immediately.

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 2017-09-10
Company: EQUIFAX, INC.
State: CO
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:
Equifax did not take the appropriate measures to ensure protection of my personal identification. Therefore, my personal information has been potentially breached requiring me to take initiative in at attempt to protect myself. This has cost me both financially, emotionally, and caused me to waste valuable time. I fully expect the situation to be rectified by ensuring protection of my personal information and financial compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX is refusing to accept investigate and correct errors in information on my report resulting from identity theft within 4 days as required legally. They have been sent an identity theft affidavit sent via certified mail and ignored it. 

Experian allowed someone to create an account using my information and will not correct it. Allowing this person to continue to steal my identity and apply for accounts in my name. They can clearly see XXXX @ gmail belongs to someone else. They stated they updated it to my email so this person could no longer login but they still havent and my identity is still being stolen as a result! 

XXXX is refusing to accept investigate and correct errors in information on my report resulting from identity theft within 4 days as required legally. They have been sent an identity theft affidavit sent via certified mail and ignored it.

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 2015-04-16
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I live in the state of Texas. After sending emails XXXX for verification of debt i am requesting that the debt be removed from my credit report. I have not received any information pertaining to debt nor any proof of required information pursuant to Texas XXXX. I can not validate debt as mine as I have not any proof of debt, nor any communication from IC System Inc in the time allowed from said TX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: PNC Bank N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My original mortgage was by a bank in XXXX Ohio. Apparently, this bank sold my mortgage to PNC Mortgage. I was offered a better loan rate if I opened a PNC bank account. I opened the account because I was told that there was no fee on the account. PNC encouraged me to sign up for paperless billing, which I did as I thought it would be eco-friendly as well as cut down on mail to my home. I recently received a letter from PNC Bank stating that my bank account was overdrawn and they had tried to contact me previously. I know this is not the case as I recently refinanced my PNC Mortgage, which involved detailed discussions with all levels of staff within PNC and no one ever mentioned that PNC started charging a monthly fee for my bank account. When I called the PNC customer service number in the letter, I was told that PNC changed the policy XXXX years ago and that I had been incurring monthly fees ever since then. I was told that I would have to go to a branch and speak to a manager. I went to the nearest branch and told the manager that monthly fees had been charged against my account for XXXX years without me ever being given notice. I further explained that I only opened the bank account to get favorable loan terms and had no reason to further engage the account as it was a secondary account that had no activity since its inception ( other than the fees ). I did n't receive any statements because I opted out of postal mailings and I never established an online view because I was told there was no fees and I had no activity on the account. The branch manager said that she could only request a few months reimbursement for the fees and that I would have to make a complaint in order to receive my money back. My request was denied and the manager stated she could not override the reimbursement denial. I was told that the fees are assessed on any bank account with less than {$500.00}. I was paying a mortgage of {$3000.00} monthly with PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was told by my originating lender at PNC that if I paid my loan down to XXXX % LTV or LTC the PMI would be removed. He also stated that if I brought in an updated appraisal that shown an increase in value to my property the PMI would be removed. I paid down my loan significantly to XXXX % LTC ( less LTV ) in the first year of my loan. I called to have the PMI deleted and PNC stated that they would n't be able to without me paying {$500.00} for an appraisal which they must order. I asked if I could get my own appraisal ( especially since noticed that the last appraisal they ordered the appraiser charged {$240.00} yet I paid {$500.00} ) and they stated that would not be acceptable. I asked if I could bring in an appraisal from another Bank and they said no, I asked if I could order one directly from someone on their approved appraisers list and they said no. Their lender lied when he stated I could bring in my own appraisal to get the PMI deleted and I find it insane that if I paid as agreed and let my loan amortize out over years the PMI would be deleted yet I 'm being punished by being forced to pay {$500.00} for a new appraisal ( when my previous one if 13 months old ) or they wo n't remove the PMI. I would not have made this loan through them if I had known the truth and the lender had not lied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: PNC Bank N.A.
State: PA
Product: Credit card
Issue: Balance transfer

Complaint:
I was recently contacted by my bank, PNC Bank, headquartered in XXXX, PA. At the time, I had XXXX checking accounts and XXXX savings account with the bank. They contacted me to convince me to open a credit card account. They said the new credit card account had XXXX features 1 ) no interest for the 1st 18 months on new purchases 2 ) no interest on balance transfers for the 1st 18 months. I did my own analysis and decided, based on these facts, to accept the invitation to open the credit card account. A few months after I opened the account, I decided to transfer a {$9000.00} balance from another credit card account. 
When the transfer finally posted on my new PNC credit card account, there was an additional {$270.00} charge as well associated with the transfer. 
I immediately called the bank and was told that there is a 3 % charge on all balance transfers. They claim it was in the literature that they sent me. It simply ca n't be fair for a bank to aggressively try to cross-sell a customer a new product and not disclose this type of term until the customer has already accepted the new account. This is what happened to me and PNC had refused to refund the {$270.00}, so I 've filed this complaint.

Company response to consumer: Closed
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: MD
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 sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: PNC Bank N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I received a notice from my mortgage company, XXXX XXXX, that my mortgage would be reduced. Unfortunately, I did n't pay attention to the date of the change ; it was effective XXXX not XXXX, 2015. I paid XXXX, an amount that was {$1.00} short. I was notified by email that they refused the payment and that PNC Bank was notified that the payment was to be returned to me. That occurred on Thur., XXXX/XXXX/15. XXXX XXXX also notified me that a correct mortgage amount needed to be paid. I submitted that payment, {$1200.00}, on XXXX/XXXX/15. That money was removed from my account on XXXX/XXXX/15. As of Monday, XXXX/XXXX/15, my first payment was not yet returned. I contacted PNC and the XXXX XXXX. Both said they did not have my funds. At some point, PNC noted that a 3rd party vendor that processed online bill payments MAY have my money. I was told that I could initiate a dispute to help get the funds returned to me. I was also told to contact the 3rd party vendor. I asked for help in doing that by way of a XXXX way call, but was told they did n't have the capability to do that. After several calls, PNC dispute services told me that I needed to sign a " Written Statement of Unauthorized Debit ( ACH ) '' to verify that I was filing a dispute. I asked for the form to be emailed to me but was told it could not be, that I would have to wait for it to arrive my USPS mail or I could obtain it at the local PNC branch. I had already gone to the branch when this issue began and was not told about this form. I went to the branch in XXXX XXXX, VA for a XXXX time. I requested the form. I was told they did not have the form. I told them I had been directed to get it from them by the Dispute office. Again, I was told they did not have such a form. I left very upset. I called the Dispute office again the next day or so. The first think I was told was that it appeared that I had cancelled my Dispute claim. I emphatically insisted that was NOT THE CASE and that my money had not yet been returned. I also told them about my XXXX visit to the local branch ; they got the local branch on a separate phone line and directed them on how to locate the form for me. After all of this, the next day on XXXX/XXXX/15, I could see that there was a pending transaction for return of {$1200.00}, my XXXX incorrect mortgage payment. Meanwhile, a representative from PNC called, but I was unable to determine the name. I called the number left, but it was a main number. I was unable to contact the person calling since I had no extension. I did call the Dispute office and left a voice mail for the XXXX person I worked with most to say my money had been returned. WHAT A STRESSFUL and upsetting experience. ( I did my best to put these events in chronological order ; I apologize for any error. ) To date, I have not spoken to anyone from PNC that has expressed regret over this situation or to ensure that my funds were returned and accessible to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: FL
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 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 XXXX  has violated my rights. 

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 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: MONEY SOURCE, INC., THE
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the covid-19 situation we were seeing if we could skip a month of mortgage with The Money Source. But they are allowing a 3 month forbearance but are requiring all 4 months payment right after the 3 months are up. The Money Source is no help during this crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: CITIBANK, N.A.
State: UT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I submitted a debt collection harrassment complaint against Home Depot - Citi. Case number : XXXX. They responded with a demand notice for payment. I went to pay that debt today the due date, even though XXXX days late. When I entered their site, I had to go to a credit center, then select the card I wanted to pay. It was very difficult to figure out what sign in to enter. I was registering for a Home Depot on line account when I realized it was no the correct place. In small print at the bottom of the form was - are you trying to pay a credit card, click here ... It was very deceptive and an attempt to gather my information for unecessary reasons. When I finally got into my account, I clicked on Make a Payment. The form took me to an update contact form. It required my home phone number, which is a cell, and I did not want to give it. I provided a work number instead. I removed my cell. On Save, it said, sorry we are unable to process this. I did this XXXX times, and it would not let me make a payment. I finally clicked on another menu item - Account Profile. In this form, it let me edit my information, and it did not require a phone number. They had also put my cell number in my home number field, which I did not do. I removed both, neither were required to save the form. After saving it, I clicked on Make a Payment, and it finally let me make a payment. The required phone number on the first request was deceptive, abusive, and their form did not let me make a payment. This kind of service is abusive, confusing, deceptive, unrealistic to consumers. Citi should be fined and forced to stop using these tactics they can not support customers. They harrassed me with XXXX calls a day every hour and then their stupid system would not let me make a payment. This kind of treatment HURTS the Home Depot brand. I 'm pretty sure this tactic was a abusive response to my creating a complaint earlier, which is AGAINST THE LAW to take action or treat me different on my account just because I submitted a complaint. They can not treat me any different based on race, etc. or if a complaint is issued against them. This is abusive and against the law and Citi should be held responsible for this unlawful and abusive tactic, just as they should be held responsible for the abusive and repeated calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Experian Information Solutions Inc.
State: FL
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:
I had a credit card with XXXX  XXXX XXXX that I defaulted on. They sold the account and charged it off. I settled the account with XXXX XXXX and XXXX for payment in full. I have made on time payments since 2018. XXXX  XXXX XXXX continues to report inaccurate account information to the 3 major CRAs : 1. Reporting 38 charge offs on this one account.

2. Failing to note that it was sold a settled for payment in full.

3. Reporting new late payments on this account every month. 

I have disputed this repeatedly with Experian and XXXX  XXXX XXXX continues to verify as correct. 
It is my personal opinion that this may have an element of racial discrimination.

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 2017-03-10
Company: TRANSWORLD SYSTEMS INC
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Transworld System Inc XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX sent false debt collection letter for a {$680.00} debt to XXXX XXXX XXXX XXXX. I have never heard of, less been to XXXX XXXX XXXX XXXX. They carefully omitted the details of who it was and the details of who actually owes the debt and imply it 's mine. This is deliberate corporate malfeasance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I left my apartment before the lease was over and according to the lease I had to pay XXXX plus give 2 month notice. I did exactly that and was told they would rent the apartment asap ... they rented it right away and never notified me. I emailed them and they notified me i still owed XXXX soon after, i was notified after i again emailed them that amount owed was reduced to XXXX and i should call I Q Data international to pay this amount. I called this company and found out it is a collection agency. I tried to ask them for a payment plan and then offered to pay the full amt in 30 days of which they refused, screamed at me..put me on hold for a long time, refused to accept my check and said they would kill my credit and no matter what i did it would not be good enough. i asked for a bill and they refused to send me a new bill showing the break down of what i owed. i tried to deal with them XXXX and each time they wanted to know where i worked and threatened me with going after my credit. i wanted to pay this bill ... they kept saying a check was not acceptable. I dont know what to do at this point. they are horrible nasty people. i am trying to get in contact with my old apartment and ask them to take the money and send it to them as i can not deal with them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Coinbase, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 at XXXX hours, my Coinbase XXXX XXXX XXXX card was charged {$54.00} USD. The transaction went through. There were XXXX  declined transactions after that, for XXXX ( XXXX hours ) and XXXX ( XXXX hours ). All eastern standard time. 

I opened a dispute with Coinbase the same day. I spoke with support on the phone the and they advised I would get my money back. I locked my card and requested they send me a new card. 

On XX/XX/2022 at XXXX hours, I received the following email from Coinbase : " '' '' '' [ Reply ] Case # XXXX - [ Coinbase ] Re : Service Dispute Fraud - XXXX ( {$54.00} USD ) Hello XXXX, We've completed our investigation of your dispute for the transaction of {$54.00} made on XX/XX/2022, XXXX XXXX XXXX XXXX 

Unfortunately, the chargeback was rejected by the network for the following reason : - Can not initiate chargeback on a verified VISA transaction. 

As a result, we will be closing your claim. 

Regards, Coinbase Support ref : XXXX : ref " '' '' '' My card was never stolen. It was in my possession at all times. I had this happen with XXXX XXXX XXXX several years ago and they refunded my money without question. It looks like coinbase/XXXX  won't do the same. I hope you can help. 



Also, I contacted the merchant. They're willing to investigate. See the attached screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt and another were paid years ago to an attorney 's office for collection. Please have the debt collector provide a complete detailed listing of all collection agencies and payments made to each for the life of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
We had an existing Home Equity Line of Credit ( HELOC ) established with the Bank of America. This was to expire in XXXX, 2016 so we began the process of applying for a new HELOC to be able to transfer the existing balance from the old program to the new one. 

After successfully establishing the new HELOC we began to get statements which stated that our MINIMUM payments were to include both principle and interest. We assumed that the terms of the new HELOC would be the same as the old and that interest only payments would be sufficient until we totally paid the loan balance planned in a couple of months. 

To our shock, subsequent statements showed that the MINIMUM payment balances were rolled over to subsequent statements WITH A LATE PAYMENT PENALTY APPLIED! 

At no time during our application and signing process were we told that interest only payments were no longer sufficient and that the new HELOC program REQUIRED a MINIMUM payment that included principle AND interest. 

When contacted, the Bank of America did forgive the penalty for 1 month but required that we pay the total outstanding amount ( principle, delinquent principle as well as interest ) or otherwise be charged with another delinquent payment penalty.

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