BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-20
Company: PNC Bank N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Upon reviewing my checking account with PNC Bank, I noticed XXXX transactions of {$50.00} each that I did not make which posted on XXXX/XXXX/15. I filed a transaction dispute with PNC ( reference number # XXXX ) and was issued a provisional credit of {$100.00}. When I contacted the bank about the dispute, I was told I could contact the business ( XXXX ) directly at : XXXX and try to find out additional information on whether or not the pre-loadable XXXX card was purchased within a store or online. I contacted XXXX & gave them the XXXX card number of the card ; however, due to " security concerns '' the representative on the phone was unable to give out the full XXXX digit card number, and referred me back to PNC. When I contacted PNC & asked for the number, I was told the same thing. I find it disheartening that someone can commit fraud against my checking account and purchase a preloadable XXXX card using my debit card information, yet when I try to find out the full XXXX digit account number listed on the XXXX card, I am prevented from getting it citing privacy reasons. It feels as if the perpetrator who did this is being protected while I am literally paying for his use of the card. All I wanted to do is to trace the source of the card so that I can file a police report & get this person arrested because it would n't surprise me if he/she is committing the same type of fraud against other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After a few years of unemployment, but making the mortgage payments on time with private help, I got back to work on XXXX/XXXX/XXXX. The private help ended, I was 30 days late for XXXX XXXX payment, but was back on track in XXXX and paid on time until XXXX XXXX. I tried in XX/XX/XXXXto refinance but was turned down for the 30 day late and less than 2 years on job. It does n't matter I had 25 year steady work history. When I realized XXXX/XXXX/XXXX I could n't make the payment, I called loss mitigation. I explained I had to buy heating fuel for winter, and would not be able to afford current mortgage payment. At the phone application, I was told I qualify according to my income. I have a $ XXXX/month payment on a loan balance of {$16000.00} on a house I have lived in for 17 years. The house value is around XXXX - XXXX. I received a demand letter on XXXX XXXX for about {$2200.00}, which I did not have. At this time mortgage payment was 60 days late. I was told by client services to make a payment to keep me out of foreclosure, so I did, but it was returned to me. I called for status often, and was told I am active in loss mitigation, my income qualifies, but bank has wrong physical address of property. I have tried to fix this problem over the years, and submitted this information once again in my latest application. This hang up on my address stalled all communication with underwriting for 6 weeks. I have since received monthly demand letters, and XXXX XXXX I received a letter denying my request for modification. I was given inconsistent information. For the XXXX program my income is insufficient for modification, but for the XXXX Programs my income is sufficient for my current payment. I received XXXX XXXX XXXX a letter that said foreclosure is " intended and pending '' I have involved the XXXX program, and as of XXXX XXXX, XXXX I am still active in loss mitigation. XXXX Rep and I spoke together to customer service, and I was told that bank is ok with not accepting my payments, and not re amortizing my small loan amount. They said they can foreclose anytime now on a home where they would get the {$16000.00} in principal that I owe, and be ok taking the {$70000.00} or more in equity from a mother and her children and leaving them homeless. I was told if I sign the liquidation papers I could get {$3000.00} for moving expenses. After six months now, bank is unwilling to compromise with a client who is willing to pay the {$16000.00} at a lower payment and longer term. I have all the letters and docs and can fax them to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am lodging another complaint against Ocwen Loan Servicing , LLC because they are committing fraud, submitting fraudulent debt and loan information and pretending to be a bank, mortgage lender, etc. The Office of the Comptroller of the Currency assigned me a case number on XXXX XXXX, 2015 and transferred the complaint to the appropriate supervisory agencies which are The Consumer Financial Protection Bureau ( CFPB ) and The Mississippi Department of Banking and Consumer Finance. The Mississippi Department of Banking and Consumer Finance, State of Mississippi phone number is XXXX or XXXX ( XXXX ). However, The Mississippi Department of Banking and Consumer Finance have not contact me nor did they acknowledge that they ever received the complaint. More importantly, I did a follow-up by calling to The Mississippi Department of Banking and Consumer Finance on XXXX XXXX, 2015 to try to find out about the progress of this case. An attorney with Mississippi Department of Banking and Consumer Finance stated that they would be contacting me about this matter. However, no one from this agency has contact me.Resolution : I am seeking compensation, legal responsibility fees, indemnity fees, pain and suffering fees and other legal remedies from Ocwen Loan Servicing , LLC because they are acting as a bank, mortgage and finance company, lender and they are illegally operating in the State of Mississippi and USA. I need The Mississippi Department of Banking and Consumer Finance to allow me to know what steps have been taken to prevent Ocwen Loan Servicing , LLC from acting as a bank, mortgage and finance company and illegally operating in the State of Mississippi. I need to now if any steps have been taken to prevent Ocwen Loan Servicing , LLC from committing fraud and operating in the State of Mississippi as a bank, mortgage company lender etc. ( See the enclosed exhibits ) Resolution : I am seeking compensation, legal responsibility fees, indemnity fees, pain and suffering fees and other legal remedies from Ocwen Loan Servicing , LLC because they are acting as a bank, mortgage and finance company, lender and they are illegally operating in the State of Mississippi and USA. I need The Mississippi Department of Banking and Consumer Finance to allow me to know what steps have been taken to prevent Ocwen Loan Servicing , LLC from acting as a bank, mortgage and finance company and illegally operating in the State of Mississippi. I need to now if any steps have been taken to prevent Ocwen Loan Servicing , LLC from committing fraud and operating in the State of Mississippi as a bank, mortgage company lender etc. ( See the enclosed exhibits )

Company response to consumer: Closed
Consumer complaint received 2016-02-23
Company: Alliance One, 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:
There was no contract for services, as this phone service was prepaid and not contractual. They stopped service for non-payment however continued to charge fee for NO service!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: STONEGATE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a VA loan through Stonegate Mortgage XXXX XXXX XXXX, I prefer to make my payments on the XXXX and the XXXX, it simply prevents me from using any of the money that needs to go into my mortgage and is a convenience for me. Stonegate has been taking my payments from the XXXX, placing it in a holding account and NEVER applying it to my mortgage. Then, they reported me to credit reporting agencies AND charged me a late fee, when I was actually early and paid them more than my actual mortgage.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical Bill was already paid by XXXX to XXXX XXXX on XXXX 2016, but CIB still shows a balance of {$680.00} dollars, this account needs to be in a XXXX balance. 

CIB account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: PNC Bank N.A.
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Im being denied checking and saving accounts because of PNC bank and as well as XXXX XXXX XXXX claiming I defrauded them which never happened. Something needs to be done about that ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Bridgecrest Acceptance Corporation
State: CO
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I attempted to reach out to Bridgecrest and they informed that they were not able to locate and account with my SSN so why is it right that they are able to put a derogatory mark on my credit?

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 2016-12-02
Company: PNC Bank N.A.
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I made an online inquiry about payday loans. I was contacted by a person named XXXX XXXX. After processing my application on the phone and verifying my credit history, XXXX informed me that due to my credit score, I would have to pay for insurance in the amount of $ XXXX usd. His supervisor sent a loan confirmation letter with " PNC BANK '' listed on the letter head. When I agreed to the loan amount, he then asked me to purchase an " XXXX '' card to pay for the insurance. I refused. He then asked me to got to a money gram. I refused. Instead I contacted PNC XXXX XXXX XXXX XXXX program to inquire about this method. PNC has confirmed that they do not have a program that offers insurance for installment loans, and that they do not require insurances on the loans as they are FDIC insured.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: Alliance One, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Alliance One sent a letter to me dated XXXX/XXXX/15 but I did not receive the letter by mail until XXXX/XXXX/15 which was past the 30 day time frame to dispute the debt. I did have an attorney sent a letter dated XXXX/XXXX/15 which I have a copy of the dispute, I never received anything for the company at all. I have a right to know that information if they want me to pay anything. The attorney advised me that Alliance One is suppose to send me something, the letter was dated XXXX/XXXX/15 but I did not receive by mail until the next month which is illegal. I checked the envelope and there is not a date on it, an attorney asked me that this company is known for doing things like this due to the number of complaints against this company, the amount shown on the bill is {$98.00}, therefore not likely for the company to take legal action against me. Even as of today, I did not receive the validation of debt which I am entitled to by law and this company ca n't mark my credit without sending the validation of debt to me. I could bet fired from my job if I have a collection item on my credit. Alliance One violated my rights when they knowlingly mailed out the letter after the 30 days which is against the law. The attorney I spoke with told me to file a complaint with the CFPB because this illegal not to send me the validation of debt after I requested it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have reached out to PNC on XXXX separate occasions, over a 1 year period to attempt to obtain a modification. The HELOC is the only loan on the property. When the HELOC was obtained PNC incorrectly assessed the value of the property to obtain a larger line of credit. The property value is currently XXXX and the HELOC due is XXXX. Our income has greatly reduced and PNC has been unfairly charging us our monthly payment. They have been charging more than required, in an effort to force default on the HELOC. When we have contacted PNC I have been told a modification is not an option and if I do n't agree I can submit a request in writing and receive a response in 120 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: Reliant Capital Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was contacted by phone, when I returned call to XXXX XXXX ext XXXX. She stated it was a debt for XXXX XXXX XXXX, I stated we just paid {$67.00} towards it and owe XXXX XXXX dollars, could I have information about this debt? XXXX the stated " Well XXXX we 'll just ruin your credit! '' then she hung up me. 
I am a XXXX year old XXXX and this is n't my first medical bill. 
These people should be ashamed and not allowed to harass people, what if I was elderly, and she talked to me this way? 
This company needs to be reprimanded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX recently ( XXXX XXXX 2015 ) re-opened ( once again ) a previously closed account on my credit report which dropped my score by XXXX points. I am in the process of being a first time home owner and this has almost killed that possibility. This account was not only closed but should have been updated as settled. I have been going back and forth with this company ... to include a 30 day late that they added to a CLOSED account. Please review the previous cases with them as well as my supporting documentation of payment. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
The security questions asked by Equifax to prove my identity do not apply to me. It asked about a mortgage and credit card I do not have and never had. For this reason I am unable to get a credit report. I believe my identity has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Equitable Acceptance Corp
State: NM
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I filed a separate complaint about XXXX XXXX case number XXXX ). This claim is in conjunction with that but is against Equitable Acceptance. XXXX charged me a loan processing fee to file paperwork with the XXXX that I could have done for free. They took out a loan on my behalf with equitable acceptance. Equitable acceptance is charging me for the " fee '' they paid 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 2023-04-12
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Re : Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ), 15 usc 1681, for unlawfully obtaining my Equifax report on XX/XX/XXXX without my authorization or a permissible purpose under FCRA. See 15 usc 1681b. Specifically, the FCRA provides, A person shall not use or obtain hey consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681C of this title buy a prospective user of the report through a general or specific certification. 15 usc 1681b ( f ). Chester v. Parvis, 260 F. Supp. 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX Credit Services. Further I do not have an account as defined under 15 USC 1693a ( 2 ) with XXXX XXXX Credit Services for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willing fully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than two years or both. 15 usc 1681q.

As a result of you unlawfully obtaining my consumer report without permissible purpose you are liable to me for ( 1 ) actual damages or statutory damages up to {$1000.00} ( 2 ) punitive damages and ( 3 ) costs of litigation together with attorneys fees. 15 usc 1681n ( a ).

For the sake of judicial economy are you willing to settle this matter without any admitted liability I offer full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist obtaining copies of my consumer report from the consumer reporting agencies and two pay me {$1000.00} and deliver it to my address within 14 days of receiving this demand.

please be advised that I am prepared to litigate this matter if you do not comply with this demand. upon timely receipt of the {$1000.00} payment this letter shall be a general release of all claims herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Two hard inquires on my credit without my authorization or consent for 2 registered companies under XXXX : The Company XXXX XXXX XXXX and The Company XXXX XXXX These were both done without my knowledge or consent or signature to allow for any credit check. I made absolutely No Attempt to retain any services from these companies. 

This looks like Identify Theft which also seems to be stemming from Equifax posting false Inquiries to my Credit report. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Account from a cable company appears to be in collections with a balance of {$550.00}. However, I 've been on time with payments, and I called the cable company they said they have not sent any account under my name to collection. Also, this collection account has a different number from my original, and it just appears in XXXX credit report XXXX Equifax XXXX .I sent a dispute, but I havent gotten an answer yet. I would like this to be looked into please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed with Equifax Credit Bureau and the creditors and pointed out the errors that are listed on my credit report. After pointing out the errors, the items are still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: Mount Olympus Mortgage Company
State: MN
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
Official looking mailing received ( from TRU Mortgage, XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ) with a return address of XXXX XXXX XXXX XXXX. Inside the mailing is an offer to reduce our monthly mortage payment. We do not have a mortage and have not for years. The mailing claims their information is based on public record sources which probably means credit bureaus or other data providers they pay for information such as names and addresses. Of course, their claim may simply be fabricated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received endless telephone calls at home and at work from Ocwen saying my mortgage payment is past due. I also received XXXX Initial Due Diligence Letters from the company saying they might initiate possible foreclosure proceeding. I arranged automatic biweekly mortgage payments with Ocwen since the inception of the loan. I never missed a loan payment. I try to understand from them why my mortgage loan payments is past due but they did not provide any explanation.

Company response to consumer: Closed with explanation