BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-08
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I had hail damage to my home, deck, metal shed, patio heater, pool and other items XXXX 2016. XXXX issued XXXX check for everything. I have submitted replacement costs for deck stains, replacement shed, patio heater. PNC refuses to release money stating the check from XXXX is for repairs to home and other structures and I need to contact XXXX for money. I spoke to my agent in XXXX, Il along with claims adjuster and they state all damaged items were included in one check and PNC needs to release money to me. I have hired a company to repair home and contacted PNC on numerous occasions to get money to repair non structural items. They just keep telling me my insurance company needs to write me a check. In the meantime I am encountering more damage to contents in my shed, having to postpone repairs to my pool and deck due to the uncooperativeness. I ask to speak to management and continually told they are in a meeting or away from desk .Can never get beyond customer service. they will not even give me a number to leave a message. I have been trying to resolve since XXXX We hired an adjuster because we went through same issues 4yrs ago and even the adjuster could not get PNC to cooperate. PNC refused them their % age. We had to borrow money to pay the adjuster to move forward and now 5 months later I still have no repairs. I even went to the local branch in XXXX Mo. and they tried calling and could not get a reply. I have done everything I did 4yrs ago and for some reason the rules have changed and what I did 4yrs ago is n't working this year. My last conversation I was told that they are doing me a favor and reviewing to see if they can make an exception to allow me money to fix my shed. I had to sign affidavits and other paperwork stating I will make repairs to all damages received, however they will not release any money to do so, which in turn is causing more damages to my property. I am asking please for some help so I may get repairs done prior to weather getting bad and everything in my shed is destroyed. I have tool sheds, power tools, bikes, mower and other high dollar items. Who will replace them if they are damaged beyond repair? I have tried Mo. Div of Finance who referred me to you. I have contacted my insurance company, the claims adjuster and Mo Dept of Insurance. I have paperwork and email messages if you would like to see them. Ultimately I just want my home back to where it was prior to the storm. Per PNCs initial paperwork that 's what they say they want. But now that they have to release money it appears they would rather have my home deteriorate while they collect interest on the money. Thank you very much for reviewing my complaint. I will be anxiously waiting for your reply. 

Sincerely XXXX

Company response to consumer: Closed
Consumer complaint received 2015-08-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
PURCHASED A TV FROM SEARS UNDER A 0 % PROMOTIONAL HAD PAYMENTS AUTO PAY WHEN THE PROMOTIONAL EXPIRED I WAS NOT NOTIFIED THE PROMOTIONAL WAS ENDING GIVING ME A CHANGE TO PAY THE BALANCE INSTEAD THEY CHARGED {$1700.00} TO MY ACCOUNT FOR BACK INTEREST. I FOUND OUT WITHIN 30 DAYS. I ASKED TO PAY JUST THE BALANCE THAT WAS DUE BUT THEY HAD TOLD ME NO THERE WAS ONLY AND 20 DAY CRACE PERIOD. AND I WAS PASSED THAT. I DID NOT FIND OUT BY STATEMENT FOUND OUT ON LINE LOGGING IN BERFORE PAPER STATEMENT WAS RECIEVED.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I contacted Kia financial last week to request an extension due to financial hardship ( covid ) and the representative who represents the company said I did not qualify for one until a year of making full payments from the last extension I received. So I asked her to read me the dates of my prior extensions I had one in XX/XX/2018 and a few months later in XXXX 2018 i had received another one. So, I asked her how was it that i received back to back extensions that did not require a full year of payments. She could not explain it to me so her answer was extensions are a courtesy. I asked her if the extensions were indicated in the initial contract I signed she could not answer. She then put me on hold spoke with a Supervisor and came back on the line and said I just spoke with my supervisor and we need only two payments to be made to qualify you. I was confused at all the inaccurate information I was receiving. I came across civil code XXXX ( a ) and XXXX which states that 180 days after the state declares that the emergency related to the COVID-19 disease has ended, no service may ( d ) repossess or give notice of intent to repossess a mobile home or motor vehicle. Secondly under civil code XXXX ( b ) On a car contract, the initial required forbearance period is 90 days. Civil code XXXX ( b ) on the borrowers request, the forbearance period must be extended throughout the covid 19 emergency period and for 180 days thereafter. During the forbearance period, the services may not assess, accrue, or apply to a borrowers account any fees, penalties or additional interest beyond the amounts scheduled or calculated as if the borrower made all required payments on time and in full. Civil code XXXX ( b ), XXXX ( c ). Thus the servicer will receive no interest or compensation for the delay in receiving payments that would have fallen due during the forbearance period. Today I called and spoke with a representative requested an extension and was denied saying that I needed 4 more payments to qualify for an extension. I went ahead and explained to the representative the civil codes in effect and he didnt care pretended he understood, but did not have any clue about what I was talking about and became dismissive. He stated he would submit a customer complaint. I also requested a copy of my contract signed by both parties. As of today I have not received a call back or a copy of such contract. I need some assistance in fixing this issue or continue with a claim agains them.

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 2020-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My XXXX year old made an unauthorized purchase in XXXX store for {$100.00} on XX/XX/XXXX for coins. I contacted XXXX and they refused to refund stating not enough information ... .as I recall. I then contacted Bank of America and filed a claim. In the mean time I found another way to communicate with XXXX through chatting. They told me they couldn't refund me while I had a claim open w Bank of America, so I canceled the claim with the bank. I went back to XXXX and said I did what you asked and provided proof that my claim was canceled with the bank. They said its not canceled on our end with the bank so we won't be able to give you a refund. So, I went back to the bank again and reopened my claim. Now, yesterday the bank says the time has expired, they only have so many days from the day of purchase to complete the claim ... so they closed it, doing nothing for me. I contacted XXXX XXXX more time today and they say only the bank can give a refund. The bank never mentioned any time frames to complete the claim or expiration of the claim. Here I am with the bank and XXXX both telling me they can't do anything.

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 2016-12-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Signed up for BMO Harris checking account on XXXX/XXXX/16 with {$200.00} signup bonus. I 've met the terms of the bonus and have contacted BMO with the promocode ( XXXX ) I had used to signup for the account. Another month has passed with no resolution. It has been over 120 days now since I opened the account. I 'd like to bring this to closure.

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 2022-02-22
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
ALLY received written notice of my intent to rescind the transaction on XXXX occasions. The XXXX recent formal notices to rescind was recieved by ALLY on XX/XX/2021 and XX/XX/2021. 
Pursuant to 15 USC 1635 ( a ), ALLY is required to disclose clearly and conspicuously my right to rescind in regards to ANY transaction in which a security interest IS retained or acquired in ANY PROPERTY which is used a the principal dwelling ( residential structure or mobile home ) of whom the credit was extended. Upon receipt of my notice, ALLY continued to act illegally against me. ALLY decided to report my account as a charge off, threaten and take action to repossess my dwelling, AND made it clear that they would not release any security interest. 
15 USC 1635 ( b ) clearly states the laws that ALLY is suppose to follow and their actions and words to me are a direct violation.

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 2022-06-18
Company: EQUIFAX, INC.
State: WI
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:
XX/XX/2022 XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: CITIBANK, N.A.
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
I have never authorized or opened an account with Citi bank ending in XXXX. I have previously contacted Citi and complained to them about that Citi bank fraudulently opened an account and have been sending me monthly bills with late charges

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 2020-01-14
Company: EQUIFAX, INC.
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly a late in XX/XX/2017on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I normally receive a paper statement for this account via U.S. Mail. I did not receive XXXX statement. When I realized that this statement never arrived I immediately contacted the bank and made this monthly payment. I was assured by the representative that I spoke with that no late payment would be charged and that a late would not appear on my credit report. I was not aware that there was a late until I obtained the most recent copy of my credit report. This inaccurate reporting of a late is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this removed however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Bread Financial Holdings, Inc.
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Community bank website constantly declines log in or password, so I have no access to my account and funds. I repeadly contacted bank with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have contacted our current loan servicer, Freedom Mortgage by phone in order to recast our loan. I was told to put my request in writing and fax it to them. I did this in XX/XX/2016. Since then I have received letters stating they are looking into my inquiry, but no satisfactory response has been provided. It has been over 90 days now and they continue to '' research '' this issue. I called again to spoke with some one in customer service last week. She actually knew the term re-cast and told me I would have to pay a 20 % downpayment in order to recast. My original loan was with XXXX and I have the terms of the loan stating that I can re-cast at any time with a 10 % downpayment. I have sent this information to Freedom Mortgage as they are to honor the original terms of my loan and not change them just because my loan was sold to them. At this time I feel I need help just trying to recast my loan which should n't be an issue, but it has become one. By the lender 's delay in proving me specific instructions on how to re-cast, I have had to make XXXX payments at the higher amount. I want to make sure my 10 % downpayment is part of the re-cast process, and not merely a payment toward principle. No one has been able to provide instructions, nor do so in a timely manner. I have waited XXXX months now with no help from Freedom Mortgage.

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 2022-02-22
Company: EQUIFAX, INC.
State: VA
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 mailed a letter to Equifax in XX/XX/2022 disputing a bankruptcy that they are inaccurately reportingon my Equifax credit report. Equifax sent me results dated XX/XX/2022 stating that they verified the bankruptcy information with XXXX but that is false because I have a letter from XXXX dated XX/XX/2022 that states XXXX removed the bankruptcy from their report so how could Equifax have verified the information with XXXX? I have attached the letter XXXX sent proving the bankruptcy is removed from their data base. I also attached the dispute results Equifax sent me stating the bankruptcy was verified with XXXX after XXXX had already deleted the bankruptcy. 

I also have a letter from the court stating that they do no communicate with credit reporting agencies. Also, the bankruptcy being reported but there are no accounts included in the bankruptcy. How can there be a bankruptcy with no accounts included in it? A bankruptcy can not be empty. But Equifax still did not remove this information after I disputed explaining that fact. This situation has caused me a lot of stress. I want this bankruptcy removed from my Equifax credit report once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Managing, opening, or closing account

Complaint:
I did not want this card. I tried to cancel/close it and cant get a hold of anyone at customer service. I have been on the phone several times for over 30 minutes each time and NO one answers the phone. as of this date I still have not reach anyone and will be sending a letter and HOPE that someone contacts me before any fees are accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: CORELOGIC INC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
We never authorized any credit checks with this company named Credco. They ran our credit twice ( X2 ) through XXXX  ( both my wife and I ) on XX/XX/2020. When we advised them that we did not authorize this they requested further personal information from us such as Government ID, Social security numbers, and a utility bill in order to put a freeze on our account. All 3 bureaus have been notified and are monitoring for any potential fraud, this Credco company is either taking part in this fraud scam or is helping the potential fraud scam.

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 2020-03-03
Company: AMERICAN EXPRESS COMPANY
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: Personal information incorrect

Complaint:
On XX/XX/XXXX, I received an alert that I was reported " deceased '' by American Express on 2 accounts. I had 3 accounts with American Express. One of the 3 accounts is paid in full. 2 of the accounts, I was working towards a " settlement '' and then all of a sudden.. Poof.. you are deceased. I don't know if it was " retaliatory '' but it sure feels it. I reported that I was alive via a notarized letter. Yet, the investigation of XXXX  to American Express shows I am still deceased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 i believe XXXX bank account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2022-02-22
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I noticed an unauthorized purchase was made on my Venmo account on XX/XX/2022. 

A total of {$100.00} was transferred from my linked checking account to purchase {$100.00} of Litecoin and included a fee of {$2.00}. 

I contacted Venmo and asked them to investigate. They froze my account for a couple of weeks and asked that I change my password, which I did. 

Today I received a response that my claim was denied and that the charge was not unauthorized. 

I read that there are other claims similar to mine and that this is being actively investigated. I absolutely did not authorize this purchase and at the time did not even know that virtual currency was able to be purchased through Venmo. 

Please advise on next steps for resolution or if anything else is needed. I am including the text from Venmo 's reply email today below. 


Hi, XXXX Your Venmo dispute case has been denied Original transaction : Transaction amount : {$100.00} USD Crypto bought : XXXX LTC Dispute amount : {$100.00} USD Date : XX/XX/2022 Dispute ID : XXXX Reason : You submitted your claim because you did not authorize this purchase. 


We received the case ( s ) you filed on XX/XX/2022. We have reviewed this transaction ( s ) and are denying your case ( s ) : This decision was made because this transaction was not unauthorized. 

If you'd like a copy of the documentation we used in the investigation of your claim, please email us at XXXX. Please include your name, the email address on your Venmo account, and the date you reported the claim. 

Thank you for your patience and cooperation. 

Please don't reply to this message. To get in touch with us, click Help & Contact.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: CA
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 i believe XX/XX/XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 i believeXX/XX/XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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