BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-10
Company: PNC Bank N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have been attempting to transfer money from my PNC checking account to my girlfriend in the XXXX. The transfer company, XXXX, asks me for my account information which I try to send. I am denied the request by PNC, stating that I do not have proper authority to access my account. I called the bank and was told XXXX can help me get approval for the transfer. XXXX has told me that they can't, the bank is the only one that has approval to access my account. 
I am lost!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. " that i have disputed. please resolve this manner as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a dispute to block fraudulent information from my credit report via mail on XX/XX/22. These documents were sent overnight and received by the bureau on XX/XX/22 with tracking information to prove tracking # XXXX. I sent all required documentation including a FTC report, proof of identity and reason for the dispute request. When I spoke to a representative at Transunion they told me they did not receive my documentation even though they are suppose process, investigate and remove fraudulent accounts within 4 business days according to the FCRA. The two accounts listed on my credit report that do not belong to me are XXXX XXXX {$10000.00} and XXXX XXXX XXXX  {$4200.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15
Company: CURO Intermediate Holdings
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I do n't recall signing any contract with a company with this name. I do n't recall this debt being verified. Do n't recall getting proof with a contract or signature. I requested that they provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent and did not receive the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: TX
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:
FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/2016 Balance {$18000.00} Status Accou FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, AZ XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/2016 Balance {$18000.00} Status Accou FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, AZ XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

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 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I further attempted to reach out send more follow up letters I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15
Company: Home Point Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage loan through Home Point Financial. I privately purchase flood insurance for the property which I have the mortgage through. Home Point financial has illegally set up an escrow account for the flood insurance which I am purchasing privately. I have contacted them multiple times via telephone and sent multiple faxes requesting that this unauthorized account be removed from my mortgage. They have refused. They are not authorized to collect payment for a service which I am privately purchasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was already paid months ago and they keep being deceitful by validating debt through disputes submitted through the bureaus and lying without checking with the original company please see documents

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 2017-05-01
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I filing complaint to express concerns, due to previous discussion with  Navient Representative since 2013    regarding my Loan and  XXXX . In addition, I explained to Representative unexpected illness of my multiple medical condition that affect my health and safety. Problems with customer service, I did n't receive helpful information about loan options. The Representative provided unclear information and suggested that I continue to file a deferment application for my loan that continue to accrue interest

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a HSBC choice checking in XXXX through a sales rep over the phone and was confirmed that I was eligible for a {$350.00} promotion offer for opening the account. 4 months down the line, I even got the rep at HSBC acknowledge that I was guaranteed to get the {$350.00} and that I could store his chat for records. Today, I received an email from HSBC stating that I had a credit card that they closed in XXXX due to non activity. I was informed that because of a credit card that I became ineligible for the bank promotion. This was never informed during account opening and it seems like a bait and switch on the part of HSBC. If it was an issue, why wasnt i informed when I opened the account when I gave my SSN and all other supporting documents to open my bank account. I should have been ineligible at that time as well but on the contrary they even confirmed that I should get my bonus by XX/XX/XXXX. I would like to get my {$350.00} promotion

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18
Company: EIC Enterprises
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
I found myself in dire need on XX/XX/22 of a loan and was very aware of the outrageous interest rate. However, I knew I could pay the {$770.00} loan back immediately, so 3 days later I called to pay the loan off. I reviewed the amortization schedule they included with the contract and I knew the interest accrued daily at a very high rate. But, when I called to make the payment on XX/XX/22 they refused to process it until Friday, XX/XX/22 when the first payment is due ; adding that I would need to pay {$890.00} on XX/XX/22, a whole {$110.00} more, even though I called 3 days in advance to pay it in full! I reviewed the amortization schedule again and on Friday when the first payment is due the amount of interest that would be accrued will be {$110.00}. There is NOTHING in the contract they provided me that states they will not process my payment same day. What they are trying to do is refuse to process my pay off the same day, in order to collect the interest accrued until Friday, which at the time was 3 days away, PLUS the full payment. I have NEVER heard of anyone refusing to process your payment the SAME day you make it!! Also, I'll add that the contract states there is no prepayment penalty. I asked to speak with a manager and was placed on hold for an extended period of time. When XXXX finally got on she was extremely rude, would not listen to my concerns and kept speaking over me. I did not give her the pleasure and I kept talking. She then had the GALL to hang up on me!! I called back several times after and no one answered the phone. Finally, around XXXX a rep answered and attempted to transfer me to a manager but no manager ever got on the line. After spending nearly my whole day trying to resolve this, the rep states someone would call me back. I received a call at XXXX but when I got to my phone they had already hung up. I called back and got a very weird voicemail and as of XX/XX/22, nobody has returned my call. Next Loan Lending is extremely predatory and they are the biggest crooks I've ever dealt with! They've been reported EVERYWHERE I could think of, so NOBODY has to go through this!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Comenity Bank approved a XXXX XXXX VIsa card for me on XXXX/XXXX/2017. I had made online purchase at XXXX which was approved. I received the card and setup my online account/access. When I tried to use the card it was declined. I thought I did n't activate correctly so I activated it again via the online process. Both the online and voice status of the account indicates that the account is active ( as of XXXX/XXXX/2017 ). Tried to use it again and was declined. I called the bank again and spoke with a bank agent. They told me the account was closed but could n't give me a reason why it was closed. They said a letter was being sent. I finally received the letter from Comenity Bank and it said it was closed due to too many credit inquiries. The credit bureau referenced was different from the XXXX that they pull to approve my initial card application. When I received the card from them, there was no disclosure to what credit score or bureau was used to approve my account and determine the account APR. I have many other accounts with the bank with XXXX late payment history. I have a 3 year good payment history with the bank. In fact I have always paid any account balance in full upon receiving a statement from them. They should not have approved the account to begin with if they were going to turn around and close an approved account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My Id was stolen and I have never been able to get these items removed from my report. I hope you guys can help me.

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 2022-05-18
Company: PNC Bank N.A.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Good evening, Im making this report in regards to a previous PNC bank account. I literally only had the account for about a month in XXXX, one night I was out partying & lost my cards. Not even two days later, I was notified of an amount deposited in my account of about {$2500.00}, that was immediately taken out. I contacted PNC to dispute the charges and report the fraud & they canceled the card and sent me a new one. A few weeks went by, and they sent me a copy of the fraudulent check that was deposited. The check was from a restaurant that Ive never worked at and had my name on it. I notified them once again & asked why it hasnt been disputed or any further action, they told me all they could do is close my account. I just received notice that the debt is to be collected in my name. The debt collectors told me to make a legal report & then they can dispute it. I figured that PNC would make notice considering the amount of times Ive called and visited but they didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
First, the Buyer needed a POA for his wife. We sent it to Calibur Home Loans for them to approve and complete with whatever requirements they have for a POA and make sure the names where what they were going to require. We sent a XXXX XXXX to the wife in Colorado at a cost of {$170.00}, we received it back Wednesday and now XXXX is saying it does not meet their Criteria. This loan should have closed at the end of XXXX, they are still not ready to close it ; however, they are going to lower the interest rate by XXXX today and say they do not have to Re-Disclose for that and that the wife is now going to have to sign in Colorado and that is another {$170.00} cost to the Borrower. We still do not have any documentation from them at all. 

We also have another closing set with them for XXXX and the Buyer just got here we have no docs for that closing either, because they need to raise the Seller Concessions by {$1600.00} and that just came up today. 
I do not understand how Lender 's especially Calibur is Disclosing and the people are not even approved for the Loan and we do not get the documents in time for their set Closing Time. 
I thought the whole point of all the new CFPB Guidelines was to eliminate that kind of stress from Borrowers. 
It has not accomplished XXXX thing for most borrower 's with this Lender especially. 
This seems to be the normal way they do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I paid my loan off as agreed with GreenTree Servicing now Ditech Financial 's attorneys. The certified check was cashed on XXXX XXXX, 2016 and I have not received a release of loan and lien on property despite repeated requests. 

*Please note that GreenTree bought my loan and then began trying to collect on an amount larger than the loan purchased. GreenTree harassed me at my office and was the cause that I was laid off after GreenTree harassing the Vice President where I worked. Even though I mailed my check each and every month GreenTree assessed my account for GreenTree home insurance ( even though I provided proof to GreenTree that my personally paid insurance with GreenTree as a lienhold was in force ), assed penalties, assessed interest on penalties, and other " corporate fees '' not allowed by my original loan. Greentree spent two years trying to foreclose on my home, even though I had never missed a payment ( GreenTree had an account where the payments were held, but not applied to my loan ). GreenTree was trying to foreclose on a home improvement loan of $ XXXX for a house valued at $ XXXX. 

DiTech 's contact information Ditech Financial LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DiTech 's Attorneys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received a loan from XXXX in XXXX, XXXX with a fixed rate in XXXX, GA and they sold the loan to XXXX in XXXX. I had been paying my payments until XXXX sent me a statement stating that my mortgage was going to be higher. I asked XXXX to validate my loan since XXXX and they could not provide me the information for the correct numbers from my loan from XXXX to XXXX. XXXX put my house in foreclosure XXXX times and I had to file bankruptcy to stop the sale and get more time to get XXXX to send me the correct documents. XXXX sold the loan to Caliber Homes and they too now have my house in foreclosure for XXXX XXXX, XXXX. 
I have been requesting for years from XXXX, XXXX for Caliber Homes to send me the correct numbers to validate the loan from XXXX and again I am going through the same thing. They sent me documents that date back to XXXX, Caliber Homes has no records of XXXX - XXXX and the numbers are very wrong. 
I filed bankruptcy XXXX XXXX, XXXX and Caliber Homes is not approving my Stay of Execution so we can continue the investigation. I have reached out to RESPA as well. 
I need to stop the XXXX XXXX, XXXX foreclosure sale date and have the mortgage company subpoenaed to get all of my records and make sure that they can validate my loan with the right numbers. 

XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Commonwealth Financial only recently has placed a collection on my credit report in which this does not belong to me, as I have not had any medical done in more than 4 years. I have never been notified of this debt, shown validation of this debt and just all the sudden showed up on my credit when there has not been one thing prior about this on my report. This is fraudulent and against Fair Credit laws

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
The number I 'm being called from is XXXX. The collectors hang up when I ask for an address to write a cease and desist letter Ability Recovery Services

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: U.S. BANCORP
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
My name is XXXX XXXX and I have a mortgage loan with U.S. Bank Home Mortgage. A natural disaster occurred on XXXX XXXX, XXXX and XXXX XXXX gave a check with my name and U.S. Bank Home Mortgage for {$6400.00}. The contractors that repaired my home is XXXX XXXX and U.S. Bank Home Mortgage is refusing to pay the construction company for the materials and labor that was purchased out of the construction company budget. My home had damage from Hurricane XXXX and I was given Road Home and FEMA grants to place a new roof, the storm windows, air conditioning unit and repair the fence around the home. U.S. Bank Home Mortgage is withholding the money that belongs to the construction company. XXXX XXXX bought the material to repair my home and had XXXX employees that worked on my house for two days and U.S. Bank Home Mortgage is refusing to give the construction company the money from XXXX XXXX for the repairs of the home. The company bought all materials and use their employees and U.S. Bank is holding on to the repair money for themselves and the work on my home is completed. I am sending the receipts from the money I received from FEMA and Road Home to prove the claims the U.S. Bank did not sell me a new roof, fence and the XXXX building my husband and I add ten years ago. When I pay U.S. Bank every month it is only for the XXXX building I was sold in XXXX XXXX. They did not sell me the fence I added to the property, I added XXXX storm doors in the front and back of the home, air conditioning unit and the check they are holding is the money that the government gave me through grants from Hurricane XXXX. U.S. Bank is an evil company and is refusing to pay XXXX XXXX for the work and materials that they paid out of the company budget. THEY STOLE THE MONEY AND REFUSING TO PAY THE CONSTRUCTION COMPANY. The construction company is threatening to sue me and U.S. Bank Home Mortgage for not paying them the money for the tornado damages and repairs on the home.

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