BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-22
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Well earlier this year I purchased my first home. I used PNC Mortgage as a my lender. That was a huge mistake. I found the house I wanted in XXXX XXXX, and decided to push the closing all the way back till XXXX XXXX 2015. Just because I was renting at the time. First PNC told me that I could not have a close friend give me gift money, then actually after the closing they told me I could have had a close friend give gift money. Also the closing did not happen on the XXXX. The day before the closing the underwriter misplaced paper work and stated they needed additional information for the closing, so I went to my other bank and gave all the bank statements and the my parents ( who gave some gift money ) had to run to their bank and do the same thing. I was never told about my parents having to hand over months and months worth of bank statements till the morning before the closing. Then 2 hours before the closing the realtor called and stated the title company was waiting for the documents. I tried to call the loan officer, and basically all the contacts I had for PNC no one would return my call. I finally ask to speak to a manager and they would always say that the manager will call me back, no one ever did. The signing got pushed to Monday, but once again the underwriter asked for the same paper work from Friday, so I resent the paper with all the confirmations and the loan officer said he received it. However 2 hours before closing the closing company did not receive the documents. They even stated it would be impossible to have the closing today. I have now taken off two days to do this signing. I called PNC and asked to speak the a manager, they would never give me the name or number of a manager, the loan processor, actually cried and hung up on me. I called the loan officer he said to move the signing till Tuesday in the afternoon. I kept asking for the underwriter 's manager number because it was crazy that the underwriter kept asking for the same information 2 days in a row. Also another complaint is why would someone in XXXX in a different time zone handle the closing. They stated the underwriter 's shift was XXXX to XXXX I do n't get why this was not handled few weeks before the closing. I pushed this signing as far back as I could. Finally Tuesday came along, the underwriter once again asked for the same documents. The loan officer stepped in and finally spoke to their manager. We had to get the a lot of the documents with the sellers resigned, like the contacts. This was a mess. The closing finally took place on Tuesday late in the day. PNC did keep blaming the title company when really it was the underwriter, that was not responding to emails or calls that caused this mess. PNC should really be investigated for their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
In XXXX of 2014, I started working for XXXX as a driver. They had a partnership with Santander Consumer USA to provide affordable loans to new drivers with new cars. I was under the impression that it was a monthly lease, and it turns out to be a weekly lease, and the payment is n't even recorded on my credit report. So I end up paying out {$800.00} a month for a XXXX 

I 've contacted Santander Consumer USA and they do n't refinance. I 've looked into an investigation that the Attorney General 's office has done and found that they were offering subprime loans of a predatory nature. The AG 's office has suggested I contact you as well, so I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: ACCELERATED COLLECTION SERVICE, INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I tried to verify the company name and license number which they were unwilling to give. I tried to verify the name and amount of the creditor which they were unwilling to give. I tried to verify the name and address of the person they were trying to contact and they were unwilling to give. I asked for the first and last name of the collector contacting me and they were unwilling to give. After repeated attempts ( asked for each piece of information 6 times ) to verify any information, they became abusive and threatening, telling me if I did n't verify my identity they could take legal action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Again have n't answered my question.. 
Are you connected to Banko Santander that failed the Federal Reserve stress test? 
Are you the company that lost a class action suit for repossessing american soldiers autos when they were XXXX? 
Are you the company who lost a class action suit in regard to securities? I have made a XX/XX/XXXX payment for monthly payment partial payment and late fees ... please applt appropiatly ie ... DO Not apply partial /late fees to interest want to know how many loan companies you have in U.S.A .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I woke up to numerous accounts on my credit report that I have no connection to.I immediately called XXXX  and was informed I had to file a FTC report. So I then filed a FTC Report ( FTC # XXXX ) and sent it to XXXX, Equifax and XXXX  via USPS. XXXX  received my complaint on XX/XX/XXXX ( tracking number # XXXX ) XXXX  received my complaint on XX/XX/XXXX ( tracking number # XXXX ). Ive faxed Equifax my complaint and none of these entities has remove the fraudulent accounts. They are taking advantage of me as a consumer and dragging their feet with removing these account. 15 USC 1681c-2 states Block of information resulting from ID Theft within 4 days. It has now been 7 days and the fraudulent accounts are still on my report. My score has dropped over 100 points due to this. Equifax has even went as far as sending me a letter stating that pursuant to FCRA 605B ( c ), which is a very disrespectful and vague response being that they're not being specific to which subsection they are choosing to deny my demand pursuant to being that there's 3 different sections listed under that law. Furthermore, by providing such a vague answer they're not affording me a chance to rebut their statement directly.

Ive satisfied all the requirements pursuant to 15 USC 1681c-2 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 )
the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: Synovus Bank
State: FL
Product: Credit card
Issue: Other

Complaint:
on XX/XX/XXXX my wallet was stolen with all my credit cards. On XX/XX/XXXX I notified XXXX XXXX all my credit card companies. My credit card tomorrow all reissued. All my credit card companies are still reporting to all The credit reporting agencies except for XXXX, First Progress Bank. I have allowed adequate time and have kept checking my credit file for them to update the account which was XX/XX/XXXX. It still has not updated on either of the XXXX credit reporting agencies. I contacted XXXX today and ask them why it is not reporting to the XXXX credit reporting agencies they responded it is reporting. I indicated I have checked and I would check with them while I was on the phone with them I confirmed neither XXXX XXXX nor XXXX shows an open account with XXXX. It shows closed accounts with them. They asked me to provide a copy of my credit report them I said the burden of proof is not mine but there 's the credit card agreement with them is that they are to report to the credit bureau 's. I filed an escalation claim with them. So now I 'm afraid that I 'm going to suffer the same detrimental effects that I have with XXXX XXXX for nine months I 've been struggling to have them repair the same issuue! To no avail! so again it 's going to cost me money and time to remedy the problem or error that is not mine. Please help me in resolving this matter. Time is of the essence! 60 days is not required or acceptable to resolve the issue it 's adversely going to affect my credit and my health. again, I went through the same thing and I 'm going to the same thing with XXXX XXXX will buy the state and they have kept on stating the same thing we fix the issue and it is reporting to your credit report and it is not reporting to XXXX with XXXX XXXX now with XXXX XXXX it is not reporting to any of the XXXX credit reporting agencies they stay it it is I reviewed all three and is not reporting to any of the XXXX. I do n't have access to print all XXXX I can view all XXXX through an app on my phone. I will attach what I can through your website.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Santander Consumer USA Holdings Inc.
State: FL
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:
This company has inaccurate information. I would like full validation of this account which was prior requested and nothing received. I want to see the initial signed contract, full list of every payment made, etc. They have failed to provide so now I am asking your agency to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: ACS Education Services
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
ACS Educational Services , Inc. otherwise known as XXXX is using my entire social security number as a loan identifier. I have sent letters, e-mails, and was assured that the trade line would be removed from all XXXX major credit bureaus. This has been going on for one year. Only XXXX credit report is showing that the trade line has been removed. In addition to this matter, my social security number has been disclosed at XXXX local branches on a computer generated print out. No investigation has been done to find out who is exactly doing this. In addition to this matter, a small claims civil suit has been filed because of this stupidity on the part of ACS who, by the way has over XXXX complaints and is increasing daily. WHO wrote these stupid policies in regards to utilizing a students ' entire social security number as a loan identifier? Guess what else ACS, the student 's are going to find out that you indeed did do this and ACS can expect to be in court XXXX. Then, I hope you are put out of business for good and I hope a class-action is initiated on different levels and multiple fronts. I have filed numerous complaints on different sites in order to show the level of stupidity to include contacting XXXX in regards to this situation. I am afforded that right to do so.-Period! This is financial terrorism and I do n't care what anyone says in regards to this matter. I do n't plan on treating those who may or may not show up to court with respect at all- period. In fact, representatives from ACS will be grilled with questions, truth, and evidence. I am going to shun you and then I am going to turn on the mute button and only answer the Judge. You can expect the questioning in the cross-examination to be very brutal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A physician has billed us for services we did not authorize and after non payment they have sent this to collections -- when we request verification by collection agency we are sent the bill. We have informed the credit agency that the bill is unpaid because we did not authorize the service. They then referred us to the physician whom we also requested verification of our authorization and none is provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Other fee

Complaint:
I am a Macy 's credit card holder. Macy 's has a policy even if you pay off the balance in full before the next billing date of continuing to charge you small fees. Usually in the $ XXXX range. I fell for this once thinking I was a day or two late. Over the past year it is continual. If you call and go round and round ( and never being able to talk to an actual person, you will get a prompt, are you disputing your latest finance charge? Press XXXX for yes. I do. Then the voice says, as a customer courtesy, Macy 's will remove the charge. This is not a courtesy. I paid before the next due date. I should not be getting these small bills. I wonder how many other people keep paying this fee trying to get rid of it or how much money Macy 's makes over XXXX card holders every year? This practice should be stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-05
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
I had an account with Macy 's which I had for around 10 years. I made a purchase during XXXX of last year, but did not receive a bill. I found out when applying to refinance my house that I owed Macy. I contacted them to complain that I had n't received any bills, they had changed my mailing preference to email, without my permission and without an email on file. They took the late fees off and 4 months ago I paid a small balance in full prior to the due date. The next two months I received bills for {$1.00} each month. I finally paid {$2.00}, when I received the 2nd bill. Then this month I received another bill for {$1.00}. This is ridiculous, the account is supposedly closed, but they are billing me {$1.00} per month.

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 monetary relief
Consumer complaint received 2016-01-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
A company hired to help us raise our credit scores ( which did not happen ) filed customer disputes " on our behalf ''. We are trying to qualify for a new mortgage ( to downsize to a much smaller mortgage ) and need disputes off our credit file. A dispute was filed with Macy 's and I can not reach a live person. The other dispute with CitiMortgage is supposedly being deleted, but we need Macy 's to remove the dispute soon! Their automated " customer service '' is anything but.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wells Fargo has a loan on my credit report stating that its a charge off. However, the account was settled. I have tried to dispute it to no avail

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I opened up a Home Depot credit line when I bought a new washer/dryer in XXXX 2015. I asked then that it would be linked to my husband account ( married 25yrs ). After that and installing an air condition unit at our home & put on our Home Depot card. I sent Home Depot {$250.00} over the minimum payment for XXXX 2015 total of {$400.00}. I started receiving numerous phone calls from CitiFinancial telling us to call right away, regarding our Home Depot card. So I called, only to hear that our accounts had not been linked and that I was late paying the XXXX that I had opened and thought was linked. So now not only do we have XXXX separate bills to pay monthly but double the statements etc. I told a supervisor at CitiFinancial ( XXXX, rude ) that this was all news to me since I had not received a current statement in my name. He told me that he was going to remove the late fees but that it was impossible to link our XXXX accounts. I told him that I want to receive a updated statement every month as to how much and where to send my payment since they would not now link the accounts. The next day I took it upon myself to find out what my account number was for Home Depot and made another {$400.00} payment on top of the already {$400.00} dollar payment on my husbands account for XXXX. Since then I have received over XXXX phone calls from CitiFinancial ( XXXX ) harassing me via my own land line and via my answering machine. They call every couple of hours beginning at XXXX. My credit is in the XXXX 's to XXXX range. I never pay late bills and so I am not familiar with how much and how often these companies can call and harass people. But this seems to me that this is excessive for a {$20.00} late fee assessment. There should be some laws in place to protect the consumer. In this case it was because of the false promise of linking our accounts and lack of a statement from CitiFinancial plus repeated phone calls that will cause me never to do business with this company again. The Home Depot should also be careful who they allow to finance their credit cards. Someone needs to investigate this company and their practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I had an automatic payment setup with Citi over the phone with an agent. The auto payment worked well but for some reason it never took the payment on XX/XX/2014. and it resumed back again. Contacted Citi but there was no response. This is showing as negative remark on my credit report and affecting my credit score. 
Appreciate if this can be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: CITIBANK, N.A.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have had a checking account with Citibank for nearly 20 years. I set up this account with a no-minimum-balance requirement and with no-monthly-fee. Before XXXX I was never assessed a monthly service fee or a minimum balance requirement. 

Starting in XXXX XXXX Citibank began to assess me a $ 25 monthly fee for not having a minimum balance of {$10000.00}. They never sent me a letter stating the reasons for this fee ; I only had it explained to me in XXXX XXXX when I called to complain. 

I never agreed to this change in my account. When I asked for Citibank to explain in writing the change in my account, they refused. 

Citibank also refused to remove this monthly service charge, and told me I had to change to another " banking package '' to have it removed, but those " banking packages '' also assessed fees for a lack of a minimum balance. So I will be continually charged {$25.00} per month that I never agreed to.

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 monetary relief
Consumer complaint received 2016-10-19
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Late fee

Complaint:
Obtained a zero interest promotional from Rooms To Go serviced by Synchrony Bank. I have incurred late fees and interest charges every month since the inception of the loan despite regular early and timely payments. I have had to spend between 45 minutes to an hour and a half every month to have the charges reversed. Based on my numerous discussions with customer service representatives, the fees occur due to the " timing '' of the payment processing and their systemic limitations to process early payments. In order to avoid fees I have doubled payments in some months, changed my bill submission dates.. etc ... I am unable to avoid the fees no matter what I do unless I call in and escalate to multiple supervisors. I simply do not have the time to dedicate to reversing the fees every month. This month I have a balance of more than 10 % of the original loan value. I do not know if they will waive it. I have grown fatigued with calling in every month.

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 monetary relief
Consumer complaint received 2016-05-12
Company: Mercedes Benz Financial Services
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Mercedes Benz Financial Services services our loan for our Mercedes car. On or around XXXX XXXX, 2016 they upgraded their payment system and the system was down for several days. 
I made a payment on XXXX/XXXX/16 at mbfs.com. I checked the payment history and it shows {$0.00} principal, {$0.00} interest, and the amount I paid as " over paid '' for the past THREE MONTHS!! It does not even show the total remainder owed anymore. 
This is not acceptable for a lender, thus I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: Empowerment Ventures, LLC
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX XXXX, 2015 there was a direct deposit made by job of {$80.00} to my Rushcard account. That same day Rushcard made a duplicate deposit of {$80.00} and then made a duplicate reversal of {$160.00}. I contacted the company on XXXX separate occasions to explain why this transaction occurred and when can I expect to have my money returned to me. On each occasion I was placed on hold for more than an hour and despite promises to rectify my account the money has not been returned to me. The last representative I spoke to advised that he would take this matter straight to the corporate office to resolve and would send me an email confirmation of our conversation. This was on XXXX and I have not heard from anyone nor did I receive the email. I am very frustrated at this situation and the lack of resolution.

Company response to consumer: Closed with monetary relief