BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-11
Company: PNC Bank N.A.
State: DE
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My issue involves XXXX financial institutions. I have an existing personal loan with XXXX ( XXXX XXXX XXXX ) which I decided to payoff via a personal loan with PNC Bank at half the interest rate. 

PNC sent XXXX a check on multiple occasions to multiple lockboxes but the checks were sent back to PNC. XXXX could not provide a reason why the checks were not accepted by their lockbox service. I confirmed with PNC that my account, name, and the mailing address of the lockbox were all correct. Additionally, we sent a payoff via XXXX which was signed for when delivered. 

PNC refuses to try and pay XXXX via EFT or fund my account directly to pay XXXX via EFT. Additionally, PNC will not reduce my personal loan for the funds that have not been disbursed to XXXX. 

I am left in a situation in which XXXX loans are accruing interest and neither bank will try to resolve the situation in a manner that helps me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
In XX/XX/2017 I file XXXX XXXX bankruptcy it was XXXX in XX/XX/2017 but Kohls / Capone keeps reporting negative even though there is no debt owe anymore yet its being reported in my credit report as late

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax is reporting incorrect information on my report as follows : XXXX XXXX acct number XXXX acct is reporting incorrect the acct is CLOSED and has no date that it was closedThe acct has a date of XXXX for Date of first major delinquency that is completely falseXXXX acct XXXX this account is CLOSED and has no date

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: ONLINE Information Services, Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had an account w XXXX XXXX XXXX, this was paid last year. A collector just posted this account on my credit as a new collection when it is not, dropping my credit score over XXXX points. This is the company illegally collecting a paid debt : ONLINE COLLECTIONS XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-03
Company: CNG FINANCIAL CORPORATION
State: DE
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
In XX/XX/XXXX I tool out a payday loan with Check n go, some time has passed and I was making bi weekly payments fell on hard times and was not able to make the payment, the last time check n go attempted to collect a payment was XX/XX/XXXX which was returned. On XX/XX/XXXX Check n go out out of the blue without contacting me or giving them authorization took XXXX out of my bank account making it negative and resulting in overdraft fees from my bank. How can they skip XX/XX/XXXX and not attempt but on a random thurs ( XX/XX/XXXX ) not even a fri as scheduled randomly attempt without even contacting me? I am well aware of the consequences of defaulting on my loan XXXX credit hit, lawsuit ) but if they had not received payment in over 2 months how legally can they just try a random day to withdraw the money? I believe this is illegal and should be looked into!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Colony Brands, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
We received two packages in the mail, one each from Mongomery Ward and XXXX XXXX on ~ XX/XX/XXXX. We sent them back via return labels in the original boxes, packages unopened. We called the companies immediately and relayed these were fraudulent orders and days later received CC statements from each. I called them again and relayed the accounts were fraudulent and learned they were sister companies. I wanted the accounts cancelled as we had returned the merchandise, but they would not- no reason given. The email they had on the account was not mine and when I googled it came back as a fraudulent : XXXX. I simply want the accounts closed. I worked with identity theft.gov and sent required letters to both companies. Spoke with representative XXXX and she relayed they did not receive my letters. I mailed certified letters and company acknowledged receipt, but still haven't closed the accounts despite working with the XXXX  and local law enforcement. I'm certain the companies internally set up the fraudulent accounts and now won't close them. 
Beyond calling a lawyer what else could/ should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
An account I opened while I was in college. Found out I had a balance on the card. I immediate paid the debt and it 's being reported on my credit report as derogatory. PayPal credit card. Tried numerous times to get it off. But still remains. When I made the payment I was told ones that was done all the negative reporting including derogatory mark will come off. Since the payment I have disputed and disputed and still nothing. My biggest mistake was that I did n't get it in writing. I trusted them to remove the mark.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: GA
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, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/2022 -XXXX XXXX  XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 -XXXX XXXX XX/XX/2022 -XXXX XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Conn 's XXXX XXXX - they contacted me on XXXX/XXXX/2017, XXXX for a payment that was due on XXXX ( 4 days late ). I answered the phone, confirmed I was the accountholder and let the representative know I would send the payment out on my next paydate, the XXXX. I also stated that I only stayed on the phone because she introduced herself as if I knew her, but typically I would have told them to callback because I was at work. Once I found out she was a collector, I needed to hang-up but she knew what date I would be paying. 

They proceeded to call on XXXX multiple times at : XXXX ( I even answered and hung up when they said it was Conn 's calling again ) XXXX XXXX XXXX They called again on XXXX at XXXX CT and I answered and told the agent that I have already spoken to them, let them know I will pay on the XXXX and demanded to know why they are calling again because this is illegal to call over and over again, just because you did n't like my answer 2 days ago. The representative stated that they are calling because the agent did not put in a " Promise to Pay '' on Wednesday -- I said that is n't my problem. I told you the same thing I told her and what you do with it in your system does n't change that you ca n't keep calling even after I tell you when I will pay and this was illegal and I was going to file a CFPB complaint. She responded " Do what you have to do. ".

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-09
Company: CAVALRY INVESTMENTS, LLC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Calvary Portfolio Services for XXXX this XXXX is from 2004 11 years ago yet Calvary Portfolio Services keep putting this debt on my credit report as if its a new debt. I have disputed this with the credit bureau but they do nothing this is dragging down my credit score, and beyond the statue of limitations Colorado the statute of limitations is XXXX years what they are doing is illegal the card has been closed for XXXX years. and I do not think XXXX even exists anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: TX
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2015-04-11
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The debt has shown on my credit report in XXXX separate spots. I do n't know what for .. When I called I was decided a statement. 
Progressive mgmt systems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Colony Brands, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
We received two packages in the mail, one each from XXXX XXXX and XXXX XXXX on ~ XX/XX/XXXX. We sent them back via return labels in the original boxes, packages unopened. We called the companies immediately and relayed these were fraudulent orders and days later received CC statements from each. I called them again and relayed the accounts were fraudulent and learned they were sister companies. I wanted the accounts cancelled as we had returned the merchandise, but they would not- no reason given. The email they had on the account was not mine and when I XXXX  it came back as a fraudulent : XXXX. I simply want the accounts closed. I've worked with the local XXXX, law enforcement and identity theft.gov and still the accounts are open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Rocket Mortgage, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I emailed the following on XX/XX/XXXX to help@rocketmortgage.com, which has since been updated with more statements of fact : I just had the most unhelpful interaction with a Rocket Mortgage employee ( XX/XX/XXXX and XX/XX/XXXX ) and I wanted to let you know that I don't appreciate it. I called on Friday XX/XX/XXXX to find out when my PMI will drop off my home loan ( XXXX ) after receiving a notice in the mail from Rocket Mortgage with details about removing the PMI. I got unwittingly got transferred to XXXX XXXX in sales, who told me that she would " check and see if she could get it off earlier than the XX/XX/XXXX date ''. She said she had to run my credit to do that. I didn't sound right but I figured that she was being forthright because she is properly trained and held to the ethics and disclosure standards of a financing company. The PMI is very low at roughly $ XXXX a month. 

I didn't hear back so I followed up with her XX/XX/XXXX. On a follow up call today she said that the only way to get PMI off early would be a re-finance ( at a much higher interest rate ) or an appraisal ( estimated at {$500.00} ). Neither of which am I interested in and this should have been disclosed during the conversation on Friday XX/XX/XXXX. 

This puts a bad taste in my mouth because your company is a loan company, held to certain standards of fairness and disclosure by the Consumer Financial Protection Bureau. By not disclosing this information ahead of running my credit and then trying to sell me on another product- is just tasteless and unethical and calls into question how ethically responsible Rocket 's business practices are. In addition, I got two follow up sales calls to try and get me into another loan in the days following my call with XXXX on XX/XX/XXXX. It's clear that their priority isn't servicing the client, it is reaching their sales goals. 

I just became a customer in late XXXX when I refinanced and I want to be able to trust the company that I am working with for my largest purchase. This calls into question aggressive sales tactics that are misleading and unethical. I will no longer call them with the understanding that they are there to service my loan, but I will take a more defensive approach knowing now that they are okay with misleading existing customers to get to whatever their sales goals area.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Hi there, I had a home equity line of credit with Wells Fargo and had set up an auto pay from my checking account since beginning. I had never missed a payment ( please see my checking account statement ). In XX/XX/2020 there was a payment suspension in my account that I never requested for. And I requested to opt out on XX/XX/2020 ( please see the letters ). Additionally, I did not miss any payment during this period. Wells Fargo charged me another payment that includes a {$830.00} deferred principal, {$280.00} interest, and a {$200.00} deferred interest when I pay off my account ( please see the closing statement ). I had contacted XXXX XXXX in XXXX XXXX XXXX XXXX, but my issues had never been solved. Please help me get my money back.Thank you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit 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:
This is regarding my Best Buy Citibank Visa card. On XX/XX/XXXX, I ordered a pair of speaker mounts for {$250.00}. They were to be shipped to my home within one week. This order was never received. On XX/XX/XXXX, I called because, we had not received this item. I was told that we would have another pair of speaker mounts expedited to us by the end of the week ( no later than XX/XX/XXXX ). This date passed by and we never received the reshipment of the product. On XX/XX/XXXX, I called to follow up on this and was informed that the order on XX/XX/24 was never sent out, but that they would credit my account for {$250.00} and cancel this order. Then we could place the order again and pick up the speaker mounts at our local Best Buy store. We were informed to wait 2-3 weeks for the credit to process to our Best Buy Citibank Visa account. This never occurred. I called again on XX/XX/XXXX and was told after months of informing Best Buy of this error that I'd have to open a credit card dispute. The credit card dispute was opened on XX/XX/XXXX and closed shortly thereafter. I was never notified that this was closed or of the results. There is only a letter in my online account stating this was opened and there would be no interest while this is investigated. There was never a letter indicating the results only a 'closed ' next to the investigation appeared online. No one informed me of next steps. Then, after calling twice, once on XX/XX/XXXX and then again today, XX/XX/XXXX, I was told that the item was marked 'delivered ' on their end and the only thing they can do is direct me to contact the local police department and carrier of this delivery. They indicated that I am responsible for these charges. At this point, my credit card is paid off with the exception of these charges ( {$250.00} ) and I'd like a resolution to this matter, as I've been unsuccessful working this out with Best Buy Citibank. I've attached the only letter in my account regarding this dispute as well a screenshot of the area indicating that the dispute was closed with no other details as to the reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I never pay any bill to this account because it fraudulent, i alway pay my debit on time my car, my credit card, my car insuranse usually 5 to 10 days early, y never want to pay any fraudulent account i prefer not having credit in my life remember me in my life pay this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Please see attached document that was sent as a letter to Chase Bank along with my pay-off documentation. In short, I have already paid all 36 months worth of tax payments associated with the lease cost of the vehicle, up front at the dealership. The tax arrangement is then between the dealership and Chase Bank. 

I requested a pay-off quote for my vehicle with 2 months remaining lease payments on my vehicle. The pay-off quote included taxes for XXXX and XXXX of 2022, even though as mentioned earlier, I have already paid taxes for 36 months up front. 

My letter clearly indicated wrongful/erroneous billing and requested prompt refunding of the tax payments in the amount of {$41.00}. Chase has ignored my request, and upon calling over a span of 2 months ( on or about XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), I was informed by XXXX on XX/XX/XXXX that Chase has closed the investigation and will not be refunding me and that I need to speak to the dealer and that it is " too late in the process '' to do anything, even though my letter was sent many weeks ago with the paperwork to purchase the vehicle. 

Clearly the dealer has already remitted taxes to/on behalf of Chase, so I should not be left battling the dealership over this - Chase has collected 36-38 months of taxes already, so they need to be refunding me.

Company response to consumer: Closed with monetary relief