BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-17
Company: Experian Information Solutions Inc.
State: MO
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 was misled by false advertising stating that the inquiries on my credit report would be soft pulls and they all turned out to be hard pulls tried contacting the creditors about the problem because t non of the issues were rectified so I then next contacted the credit agency that placed these hard inquiries on my report to resolve the issues, and nothing happened.

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 2021-03-17
Company: DAS Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In XX/XX/XXXX, a judgement was made against me for 2 months of back rent. I was unable to pay for many years. In XX/XX/XXXX, a creditor began reaching out to collect on the judgement. In XX/XX/XXXX, the judgement automatically expired, according to California law. The judgement was not renewed by the creditor prior to expiration. On XX/XX/XXXX I let the creditor know that the matter had expired and asked them to cease and desist collection efforts. On XX/XX/XXXX, they contacted 16 people I know asking for financial records, as well as my current landlord asking for financial information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: PNC Bank N.A.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am a recent XXXX from a XXXX at XXXX College, in XXXX XXXX, PA. Until last week, I was under deferment for my private education loans. I am now unemployed and struggling to make my loan payments. Of course, I am under IBR for my federal loans but my private educational loan lenders, XXXX XXXX and PNC, they are relentless. I am desperately seeking work and am unable to consolidate due to low credit ( due to my student loan debt ), and I do not have a cosigner, because my parents recently filed bankruptcy. I am running out of options and they will not give me any other options of repayment, deferment or forbearance. I have considered ending my life over the stressors, but my grandmother is the cosigner on my private loans and she would be forced with them. This, of course, is not to be dramatic, just trying to illustrate how hopeless the situation at hand is. I feel as though I need help. I need someone to help me through this situation. Please, anything, any information you can help me with is vital. Again, I 'd like to illustrate that I am not trying to take advantage of any kind of system. I 'm just desperately trying to better my life and my situation. Knowing what I know now, private loans were clearly not a good option for me at the time. It 's too late, though and I need help now..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I obtained a mortgage through PNC bank. There are XXXX things that happened during the course of the mortgage process, XXXX is questionable, and the other is my specific complaint. The first packet of contract documentation had my interest rate set at 4.875 % instead of the 4.5 % that we agreed upon. They told me that it was a computer error where the .375 % was automatically added onto the original 4.5 %. My loan officer told me that he sent me an email stating there was an error, but I never received any communication to that effect. Had I not read the contract before signing, the 4.875 % would have stayed ( I am a XXXX home buyer ). The week prior to my closing date PNC 's appraiser said made a note about a front step of my house being a potential stepping hazard. The underwriter then delayed the closing by requiring the seller to remedy the issue. This pushed the closing date back a week. The original closing date was XXXX XXXX. A contractor fixed the problem on XXXX XXXX and the house was reappraised and approved on XX/XX/XXXX. The new closing date was XXXX XXXX. After XXXX on Thursday XXXX XXXX, I received a call from my loan officer stating that he had just sent me the final breakdown of costs for the closing via email and that he wanted to review it with me. Upon reviewing the documentation, he tells me that the bank charged me {$1500.00} for an extension of the interest rate that allegedly expired XXXX XXXX. I asked the bank how long the rate was locked in and they said XXXX days. I did not sign a contract with them until XXXX XXXX, which would have locked it in until XXXX XXXX. My main contention is that I was not told of the interest rate expiration or disclosed of the substantial fee until the call the night before the closing. I was moving into town from XXXX hours away and felt coerced into accepting the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: STONEGATE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage servicer failed to pay our XXXX property taxes on time. It took over a month of multiple emails and phone calls to get the taxes paid, even though the money was in our escrow account. After paying the taxes over 4 months late ( we only realized they were not paid after XXXX XXXX sent us a notice of intent to lien our property ), the servicer sent us an updated escrow analysis that increased our monthly escrow payment, and incorrectly included our sanitation/solid waste fee in the analysis. The analysis also included a revised payment amount effective XXXX/XXXX/XXXX ( which increased payment has been paid ). I contacted the servicer on XXXX XXXX to let them know the solid waste fee was improperly included, and provided proof that the fee has been paid out of pocket, not through escrow. They initially responded via email stating that the fee would be removed and we would receive a revised escrow analysis and monthly payment amount within 9 business days. As of today, XXXX/XXXX/XXXX ( almost 2 months after initial contact ), we still have not received a revised statement. I have followed up multiple times in writing, to which I received XXXX response basically stating they had changed their mind about removing it because it was " set up at closing ''. This is also inaccurate, and I provided them a signed copy of our escrow account disclosure from closing which only included XXXX Taxes and Insurance. I have followed up multiple times since providing this information, and still have received no response. On top of the non-responsiveness, the servicing department only has a generic " servicing '' email, so you never have a name or email address of an actual person to even know who has emailed you or who you are emailing. Additionally, if you call customer service, they can not provide you with a name or contact information for an actual person who handles escrows, they only state that they can " put a note in the system '' and escalate it to the escrow department. I contacted them in ample time to get this taken care of before our increased payment went into effect on XXXX, but since it has not been resolved, we have now had to pay the increased payment amount that wrongly includes escrows for solid waste and sanitation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: One Source Technology
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
These agencies are giving the wrong conviction of my criminal background. My final conviction was a XXXX, not a felony.

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 2016-12-04
Company: PNC Bank N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My mother passed away in her sleep, in her apartment in XXXX, IL, XXXX XXXX on XXXX XXXX, 2016. Her soon to be ex husband, who is on XXXX in Florida, is on XXXX filed for legal and financial separation after she left him about a year earlier. The decree was to be finalized towards the XX/XX/XXXX. He has no money and could not have done anything concerning the arrangements. She has a sister there ( XXXX XXXX ) who was trying to deal with everything although she has no money either. There remains only my sister and I. I being the eldest I stepped in for my Aunt 's sake. I paid for everything, the cremation, memorial, etc. I paid for my flight there and my stay there to try to take care of things. I also had to pick up the car, pay it off and drive it back to XXXX from Illinois. What remains to be resolved is the small checking account at PNC bank. In there is {$2700.00}. Social Security removed about {$XXXX} which they had just sent her so now there is the {$2700.00} left. Social Security removed this after I let them know that she passed away. I informed everyone, having the death certificates and providing them, that my mother passed away. I was originally told by PNC while I was there that I could hand write and notarize a document declaring that I will be handling her affairs as she left nothing, no instructions, will, POA ( except for what to do with her remains ). Someone else was supposed to have taken care of her remains ( POA ) but they did not, so it was left to me. My sister does not want to be involved although I have included her anyway. So PNC has told me that they need documents stating that they can send me a check for the balance of her account. They also told me the death certificate and the hand written notarize letter which they told me to produce would not resolve this. I spoke with many people at PNC to try to resolve this. So after several phone calls to the State of Illinois and OCC, I have been referred to you folks. I am hoping that you can help. They ( PNC ) told me they will hold on to the money for 4 or 5 years before releasing it to the state. It is not their money and it is easy to prove that I and my sister are her remaining, living children. Obtaining a lawyer would take much of the money so it would only add to the frustration. Filing a Small Estate Claim requires that I be responsible for her outstanding Credit Card debt. Not an attractive idea. I have not contacted any of the CC companies. There are no PNC branches out here in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My debit card was compromised on XX/XX/XXXX for over {$300.00} on XXXX different transactions. I was then promptly charged XXXX overdraft fees. But before those even, I had enough money to cover XXXX transactions on XX/XX/XXXX. I paid a cable bill for {$170.00} online and then made an atm withdrawal for {$60.00} which according to my ledger at home and online I would have had {$9.00} left. The bank charged me XXXX overdraft fees for those XXXX particular transactions when I clearly was not overdrawn. This whole fiasco was unnecessary and has caused this single parent unwanted stress and inability to care for my kids the way I have been able to up until now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-28
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had an issue making my monthly car payment to PNC and I called them to make payment arrangements. I gave them a partial payment that day and the remaining portion was to be paid my next paycheck 2 weeks later. I was told that this would be ok. 3 days later my PNC account was overdrawn because they took the remaining part of the payment 7 days prior to the agreement. Now PNC is overdrafting my account {$35.00} every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX claims that they have refunded me and Bank of America claims they do not see the refund. Both companies blame the other and I as a consumer am left with nothing. 

On XXXX XXXX I paid {$570.00} to XXXX for XXXX XXXX Lover Fest tickets for an XX/XX/XXXX concert. 

Due to the Covid-19 Pandemic the concert was postponed. 

My order # was XXXX XXXX XX/XX/XXXX the concert was canceled by XXXX XXXX and XXXX emailed to say that they were processing refunds to all ticket purchasers. 

On XX/XX/XXXX I received an email from XXXX notifying me that on XX/XX/XXXX my Bank of America Visa card had been refunded {$570.00}. 

On XX/XX/XXXX I contacted XXXX again and was again told in an email that a refund was send on XX/XX/XXXX. 

As of today, XX/XX/XXXX there is NO refund. My bank refuses to dispute this transaction because the purchase date was in XX/XX/XXXX and shows NO record of a refund being sent EVER from XXXX and XXXX says they refunded it and it's not their issue. 

I have had {$570.00} stolen from me because XXXX DID NOT refund this. 

My bank advised for me to contact you.

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 2016-04-14
Company: BMW Financial Services NA, LLC
State: AZ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I asked BMW Financial services for an extension on my lease pmt back in due to a medical emergency in XXXX to which they replied that could not be granted in a lease but the offered if i made a pmt then, they could change the date to give me time to catch up. I agreed and made the pmt and the change of date but instead of benefiting me they added another pmt. they violated the agreement and multiple managers agreed, but as of today after keeping my original agreement I do remain in a constant almost 30 day past due incurring fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: PNC Bank N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
There is an PNC Credit Card account listed on my credit reports that I did not open and I have no idea who opened this account. I have written the company and the ceo and they have dragged there feet in removing this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: Podium Mortgage Capital LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I asked XXXX to investigate my dispute with XXXX. The only thing XXXX does is to send my information to XXXX to investigate. XXXX does not investigate. The only thing XXXX does is to seat on the investigation until the last days and say the report is accurate. XXXX basically sends the same letter with an updated date. XXXX or XXXX has not or will not look at the information I supplied to them. I even asked XXXX to supply me with the time the funds arrived, the time the funds were processed, and the time the funds were accepted for each month. I even asked XXXX to ask XXXX, but I only received some of the months. I have sent more than enough information to prove my payments were on time. As long as XXXX knows they can get away with it they will continue to do it until I will stop filling my complaint towards them. I really believe it is the responsibility of Bureau of Consumer Financial Protection ( BCFP ) and Experian to do a complete and thorough investigation, and not only take the words of one person or company. I have the legal right for this to happen under the Fair Credit Reporting Act ( FCRA ) and the Fair Trade Credit Act ( FTCA ). 
Check/Ref. Number Payment Due Date Date Payment Posted Description Amount Applied Date XXXX Received Time XXXX Received/ Posted XXXX XXXX XXXX ACH/Payment {$1000.00} XXXX XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX Payment {$1000.00} XXXX XXXX XXXX ACH/Payment {$1000.00} XXXX XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX Payment Reversed - {$1000.00} XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX ACH/Payment {$1000.00} XXXX XXXX XXXX XXXX Payment {$1100.00} XXXX XXXX XXXX Payment {$1100.00} XXXX XXXX XXXX Payment {$1100.00} XXXX XXXX XXXX Payment {$1100.00} XXXX XXXX XXXX Payment* {$1100.00} XXXX XXXX XXXX PBP/Payment {$1100.00} XXXX XXXX ET XXXX XXXX XXXX Payment* {$1100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: BMW Financial Services NA, LLC
State: VA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I turned in my leased vehicle, XX/XX/XXXX BMW XXXX XXXX, and was released from the associated lease on XX/XX/XXXX. Despite only having the leased vehicle for 107 days during the calendar year of XX/XX/XXXX and properly closing out the lease, BMW Financial Services sent me a bill for for a full year of property taxes on the vehicle plus extra charges equating to {$1500.00}. I informed BMW Financial Services that I was willing to pay the property tax for the 107 days I leased the vehicle which equated to {$410.00} ; however, BMW Financial Services stated I was responsible for the full amount they paid on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a collection account on my credit record with Experian that I have disputed multiple times and they still will not remove it. It should not be in my credit report because I am not responsible for paying the debt since I was not the insured party that incurred the debt and not on the policy or received the service. I disputed the same account with XXXX and XXXX and they removed it from my credit record - Experian will not remove it.

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 2017-02-09
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been requesting Calvary Portfolio to send me a signed document or assignment that I owe their company this debt. To date, I have not received anything from Calvary Portfolio besides a copy of a bank statement. I have been requesting XXXX, XXXX and XXXX to verify the debt and the bureaus have been unable to. The only information I receive back is that the furnisher is providing that the information is accurate. I have attached correspondence dating back from XXXX XXXX, 2016 of disputes regarding this inaccurate information. I am unaware of any assignment of ownership that Calvary Portfolio has regarding this alleged debt. The furnisher has refused to send me the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a procedure at XXXX XXXX XX/XX/XXXX. The company never sent me a bill because they recorded my address incorrectly and did not double check their error. Sold my debt to Eastern Account System of Connecticut , Inc. ( Creditor XXXX ) I received a call, out of the blue, on XX/XX/XXXX from this company demanding payment for something I had no clue I owed. I advised I would be in touch with XXXX XXXX and sort out that debt. I spoke with XXXX XXXX the same day ( XXXX ) who advised they had the wrong address and did n't bother to cross check before sending to collections. She stated she would pull back the collection and send me a proper bill, which I stated I would pay. 

The next call I receive is XX/XX/XXXX from the collection agency stating they are still owed. I explained my conversation with XXXX but he saw no note that the debt was pulled. It was late in the day Friday. 

I spoke with XXXX at XXXX XXXX on XX/XX/XXXX who stated that XXXX did pull the collection back but did not reset the cycle and it was sent back to collections. She advised she would have her manager ( XXXX ) call the debt collector to explain/remove. I sent a check for the amount owed to XXXX XXXX on XXXX. USPS tracking XXXX XXXX XXXX. This check was cashed. 

I mistakenly thought this was all settled but today ( XX/XX/XXXX ) I receive a letter from Eastern Account System of Connecticut ( dated XX/XX/XXXX ... ) that the debt was not paid and that since I did not dispute their letter from a month ago ... which I did not receive, that the debt has been reported to a credit bureau. 

I am buying a house in 2 weeks and my career depends on a spotless credit rating. Their bush league antics have caused me XXXX and could affect my livelihood. Please do something about these criminals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Eastern Account Systems of Connecticut, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The creditor refused to respond to my request of them to validate the debt pursuant to the FDCPA 15 USC 1692g Sec 809 XXXX b ). 

The request I made was on XXXX XXXX, 2015, and to date they have refused to respond. Even worse, they placed this account for collection on my XXXX Credit report. These bully tactics on the part of this creditor are a clear violation of the FCRA & the FDCPA, and serve to only defame my character & ruin my otherwise good name. 

The request I sent was sent " Registered, Return Receipt '' and you 'll notice that I have proof that the creditor not only received my letter, but they read it & still refused to respond. 

Please help. I have no where else to turn for help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation