BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-03
Company: Eastern Account Systems of Connecticut, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from the company and the validation tells me nothing. Who does this doctor work for? Where was this test taken? This doctor is not one I have ever seen or heard of, if he was contracted to review a test then who did the test and where? I will not pay for something I know nothing about and this letter provided no answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a call from Portfolio Recovery Associated stating I owed money for an old XXXX Credit card. I stated that I was n't aware of owing any money on a account and please send documentation to prove the amount. On XX/XX/2017 I received a XXXX page document which included a letter from the company stating I owed money a credit card statement that showed I owed {$0.00}. The same day I called into the company and explained the agent what I had received in the mail and proved that nothing was owed per the bill they sent. She then insisted that a XXXX page document was n't sent but a XXXX page document. After almost an hour of telling the agent they didnt send me XXXX pages and her telling me in a round about way I was lieing hung up on me. I then called back in an spoke to another agent who confirmed there was no XXXX page document sent and saw the XXXX page document and agreed that it did n't not prove there was money owed but saw other documents that did show it. I explained if they didst send me what she was talking about how do I validate it is true. She agreed and said she would put the account in dispute, but could n't delete it from my credit report. Per the fair debt collection law the agency has 30 days to prove the debt is valid and has clearly not done so. They also clearly lied on what they claim they sent which would be another violation. The agent then transferred me to a manger who stated by sending me the invoice that showed a balance of {$0.00} was good enough to validate the debt. I asked her over and over again how showing me a bill with a {$0.00} balance is any proof of that over {$600.00} is owed and she could n't answer that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-05
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I moved out of apartments and paid my last month rent and move out fees. They accidentally applied my payment else where which in turn sent my balance to a collection agency. This happened in XXXX of 2014 and I still can not get it cleared despite them stating they made the error and have said it was fixed twice.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Falsely changed the dates of original debt to current year in order to collect on a write off over seven years old

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hello, On XXXX XXXX XXXX I received a phone call from Portfolio Recovery Associates LLC. In reference to an Account from XXXX XXXX Bank. I notified their office I had been in communication with XXXX XXXX XXXX for over 6 months disputing this account as this account was closed back in XXXX. XXXX XXXX bank could not verify these records and the account was removed from my credit file. I requested Portfolio to send validation/verification of this account on XXXX XXXX XXXX, On XXXX XXXX XXXX I received a letter requesting I send them all of my information? I have no idea who Portfolio Recovery is and quite frankly it is not my obligation to provide personal information when they are required to validate the account within 30 days. I sent another letter dated XXXX XXXX XXXX again requesting validation/verification of this account ( I just months 6 months with XXXX XXXX over this process ) and on XXXX XXXX XXXX Portfolio Recovery sent a letter stating they terminated my investigation. I did n't ask for an investigation I wanted validation/verification from their records. This account has NOT been verified yet when I dispute it with XXXX, XXXX, and XXXX, Portfolio verifies the account as valid and continues to report this account each month. 
I have sent a format request for validation in return nothing has been sent and collection attempts continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
To Whom it May Concern : I have a credit card with Citizens Bank and after pulling my annual credit report, I found they have closed my account back in XXXX. On XXXX XXXX, XXXX, I lost my full time job, so I made payment arrangements with all my credit card companies, including Citizens Bank, asked for payments of lower than {$50.00} a month and they agreed. I was able to pay the other credit cards I owned as well as Citizens Bank with a part time job I had obtained. I followed up with a phone call on XXXX XXXX, XXXX regarding my now closed account and a woman stated she would send a letter within XXXX10 business days. She also stated with they closed account back in XXXX XXXX and I would have to re-apply once the balance was paid in full. I have been paying my bill as long as I can remember and more than what is asked to pay on each statement. To date, XXXX XXXX, XXXX, I have yet to any letter as to why my account was closed. My address is current, there is no electronic delivery as she verified my address ( can not find anything on their website regarding electronic notices ) and there are no PDF files saved anywhere on their website. What I want is a letter stating why they closed my account, that it is off my credit as a negative or for any other reason that would be used again me for further purchases, etc and to report them for illegally closing my account under the " Responsible Lending Act '' and " Credit Card Act '' and have not notified me in writing within 5 days of the action being taken. I do n't understand why they would close an account when making current payment arrangements after the loss of a job. I feel they discriminated against me in fear of non payment when in fact I was making payments. On all of my statements they have noted all sorts of different numbers for the amount due and the amount I was originally supposed to pay. They always stated it was late or a past due amount when there was always a payment every month of more than what was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MS
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On Saturday morning, XX/XX/2016 at around XXXX or XXXX I received a call form a caller ( Ph # XXXX ) asking me if I was at my home computer. Once I got to my computer the caller was in my system informing me that I was being hacked by various hackers and showing me a number of errors. He asked if I could see what he was talking about. Once I confirmed, he then offered me computer help ( XXXX XXXX XXXX ) with offers as follows : 3 Years- {$190.00}, 5 Years- {$260.00} and Lifetime- {$290.00}. I opted for the lifetime and paid with my Visa creditcard while online. The caller than screen printed for me a copy of the computer help page with the following POC. XXXX XXXX, XXXX XXXX XXXX FL PH # XXXX XXXX or XXXX and a security code-XXXX. And, invoice for the {$290.00} charge. XXXX XXXX XXXX XXXX XXXX XXXX & Support email : XXXXXXXXXXXX dated XX/XX/2016. He instructed me to reboot and start using the computer after 2 hours which would be after he had finished upgrading the system with the new security software. 
Later that even at around XXXX or XXXX a XXXX caller ( XXXX Ph # XXXX ) called and told me that the first caller had made a mistake and that he was going to refund me my money and provide the services to me for free from six months. But, for him to do that he would need to do a bank to bank transfer of the funds and for me to go to my computer. When I did the caller was in my system, and also in my XXXX XXXX accounts showing me where he had credited to my account the {$290.00} but had also credited an additional {$3000.00} by mistake and printed me a screen copy of the statement showing a total balance of {$6300.00}. He said for him to fix this problem and come out of my computer system I would need to return to him his {$3000.00} via MoneyGram ( Ref # XXXX, dated : XX/XX/2016 ) through XXXX to a XXXX XXXX in XXXX. If not he would XXXX out my account all together. I went to the XXXX in XXXX and completed a transaction in the amount of {$2400.00} plus an {$18.00} charge for a debit total of {$2400.00} from my checking account. 
When my wife and I returned home later I used her iPad to log into the account and upon doing so I realized the called had transferred the {$290.00} plus an addition {$500.00} for our savings account into our checking account to cover the MoneyGram as listed above. At no time did I have access to my home computer while the caller was in the system and on the phone. I was only able to view the screen shots that the caller provided. 

XXXX END OF STATEMENT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I am buying a home with the closing scheduled for XX/XX/XXXX. When my loan officer recently tried to access my credit report info with XXXX and XXXX, he found that I was classified as DECEASED on XXXX agencies ' records. This apparently happened when PNC Bank reported my husband 's death in mid XX/XX/XXXX to the credit bureaus. ( He and I held a joint home equity account. ) It is imperative that the deceased designation for my name be removed at once so we can continue to prepare for the house closing. Both XXXX and XXXX indicated that PNC made this report but PNC denies having submitted info that I was deceased. I just need to have this issue expedited and resolved ASAP. XXXX agencies indicate that the issue can be resolved but it will take up to 30 days. As of today it is only 22 days until my home purchase closing, so I am panicking.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Ditech Financial LLC
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This date was liquidated in 2010 by XXXX, but is being reported by Ditech/Greentree on my XXXX report. They were reporting on XXXX until I complained to the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appears on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX : {$760.00}

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 2016-02-10
Company: Stearns Ventures, LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company ( Stearns Lending ) have n't paid the property taxes that is owed to XXXX XXXX in XXXX ( that 's when they were due ) - of course they have escrowed more than enough money to cover property taxes & insurance. As a matter of fact - the escrow has gone up & I think this may be the reason why ( paying all the fees & penalties of late payment to XXXX XXXX ). I talked to XXXX XXXX and they said my name will hit the paper soon. We 've made several calls to our lending company for months & getting nowhere! I need to figure out what the next step to take here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received an email yesterday from my homeowners insurance company ( XXXX XXXX XXXX XXXX ) ; stating that there had been changes made on my policy. I then emailed my agent requesting whom had made changes and that I had not given anyone authorization/permission to change anything on my existing policy. My agent emailed me back and stated that PNC Mortgage, had requested that all bills be submitted to they for payment. HOW DARE PNC MORTGAGE MAKE THIS REQUEST WITHOUT. MY AUTHORIZATION. This is my homeowners policy that I opened and was paying on. XXXX can verify that I was paying my payments timely. Last year PNC Mortgage was charging me for their insurance coverage when I had XXXX and I was never refunded. PNC Mortage has taken my mortgage payments and applied them to my insurance ; then I would receive letters stating that my escrow account had a shortage ; then interest and fees were applied when I have receipts showing that my mortgage payments were timely. Then PNC would report my payments as late and send a report to the credit bureaus. I have lived in my home for 21 years and NEVER have my previous mortgage holders ( XXXX XXXX ), have ever tried to control my homeowners policy. XXXX XXXX would only request a copy of my declaration page to show that I had coverage. I an tired of PNC Mortgage doing whatever they want to my mortgage account and I want them to STOP!! PNC Mortgage treats me as if I have 'NO RIGHTS! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: Direct Recovery Services, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received an email that told me that Direct Recovery. Org is intending to sue me for an alleged debt from XXXX, a company I have never heard of. I welcome a day in court, Where I live. I called and ask for them to send me verification in the mail and was refused! The email list 's an address in XXXX Ca. I have not lived in near XXXX Ca. since 2008.I am afraid that I will be sued without proper notice in a state where I do not live. Any debt incurred in XXXX ca. would be beyond any statutes of limitations, both criminal and civil actions, UNLESS i am not notified of any hearing, then a judgement is possible to obtain illegally.

Company response to consumer: Closed
Consumer complaint received 2015-05-26
Company: STONEGATE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I recently went thru a loan modification with Stonegate mortgage company. The payments increased, almost XXXX a month. Which I told my servicer this he said I could do a short sale. I signed the paperwork because I wanted to keep my house. This process took months, so by the time I finished with it I was drained mentally. The stress was to much and not to mention my loan processor XXXX, was useless. I would call XXXX or times a week and get no return phone calls. So after I signed this new paperwork, thinking my payment was XXXX from XXXX, I received a phone call saying Your payment now is going to be XXXX we are adding the back escrow in and need you to pay it off. So that puts me at XXXX a month. I once again told them I can not afford this, so they said okay will split it up for 24 months so your payment is XXXX I feel this was totally misrepresented by Stonegate Mortgage. There was no mention of this happening when I signed the loan modification paperwork. Here I sit again behind on my mortgage again. I can not afford to hire a lawyer to help me with this. I talked to HUD, they said a complaint needs to be filed there should be protection for future customers. This loan is a USDA loan in which I contacted them but they could not help me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-14
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Automobile acceptance company. I got XXXX payments behind. Worked with collections to catch up. I time payments for a year prior to this issue. When I went to call for the XXXX arranged payment, the third to catch up was going to be with my taxes ( and on their records I was only XXXX days past due ), they refused my payment unless I paid in full. Refused it. If I paid it I would only be XXXX days past due which is within XXXX guidelines as paid as agreed. I demanded to have my payment taken and they refused again. I took down the address to send a payment butI know if they do not cash it payment would not be received. I am sending this by money order certified mail requiring a signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was contacted by XXXX XXXX ( XXXXXXXXXXXX ) on XXXX XXXX 2015 to discuss a loan refinance on mycurrent 7 % mortgage. I told the mortgage banker that I have n't been able to refinance becauseof self employment and little to no XXXX income. After talking with her for 3+ hours, she said that wewould be able to work together and even told me they could refinance XXXX our rental properties. 
On XXXX XXXX 2015 Loan Depot removed 2 x {$390.00} from our bank account for XXXX appraisals. 
The appraisal for the primary property was completed on XXXX XXXX. 
We were contacted on the XXXX telling us we would n't qualify for the refi. 
After complaining we did get a refund for the rental appraisal not completed, but not for the completedappraisal. We did n't understand why the appraisals were ordered prior to being approved for a loan. 
We are currently working with a different company and requested the appraisal that we PAID FOR fromloan depot. They refused to transfer the appraisal to our current lender, forcing us to pay for another appraisal. We are requesting a {$390.00} refund for the appraisal that we ca n't use for our refinance. 
Loan Depot wo n't answer our request. 
Sincerely, XXXX XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My XX/XX/XXXX bank statement indicated that XXXX checks had been debited from my account XXXX deposited in XX/XX/XXXX XXXX {$670.00} XXXX and XXXX in XX/XX/XXXX XXXX {$670.00} XXXX. I talked to my bank XXXX 's bank ) and the manger said that the checks were returned to them and they had no choice but to take my money. She said to contact the issuing bank for more information. I talked to the manger at XXXX XXXX the issuing bank ) and he was not able to give me the information why the money was withdrawn or who the gave it to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: PNC Bank N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
PNC bank has assigned account management fees to the Virtual Wallet account products, but does not list these fees in either of the specific products Virtual Wallet account provides so that consumers can track their expenditures, interests, and fees from the bank. Notice of fees are absent from the products that are specifically supposed to provide this information including : 1 ) Calendar 2 ) Account Detail 3 ) Account Activity 4 ) Searches of Transactions. These services are the reason I opened a Virtual Wallet account, because you are able to monitor all transactions, including all deposits, transactions, and interest payments from the bank on that account. They purposefully exclude any fees from the bank on these monitoring services. Any notice fees are limited to the last page of the monthly e-statement and absent from all other products that allow one to monitor their account. After speaking with customer service, it is clear that the bank is able to see the record of fees on their side, but they do not share that information with their customers with virtual wallet accounts. Additionally if you manually search the transaction history for the fee amount they do not show up. 

This practice is concerning PNC has created, marketed, and built several tools for a specific account that is set to help people monitor their account and they expressly do n't include fees from the bank in these tools, even though they purport to include all information. The inclusion of all transactions and interest accrued and the name of the monitoring tools ( Monthly Calendar with all of the transactions listed ; Account Detail with all of the transactions listed ; Account Activity with a list of all activity including interest payments from the bank to the consumer ; and Search Transactions ) make it seem like any fees would be included and recorded in these areas. They are not, all are omitted. A reasonable consumer would not know about these fees using the tools that PNC put in place so consumers can " monitor '' their accounts, as PNC is omitting these institutional fees from these tools.

Company response to consumer: Closed with explanation