BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-29
Company: PNC Bank N.A.
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I already described it, but it went away. Will try again. 
My mortgage was with PNC Mortgage, my heloc was with PNC Bank. 
Our credit was great, until my husband died 3 years ago, I had to filebankruptcy, Chapter XXXX. Mortgage & Bank continued to be paid. 
After the bankruptcy the mortgage company would not send me anew payment book, the Bank would not report my payments to thecredit bureau. I needed to get some credit again, I needed to refinancehouse because of a balloon payt with PNC. Could not get a credit card. 
I have now refinanced, am finished with PNC and would not ever referthem to anybody, would warn my friends. I could not get an answer asto why they were not reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: CBC Companies, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX, XXXX, Mi XXXX XXXX XX/XX/XXXX Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( XXXX, XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, account number XXXX. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

My identifying information is as follows : Date of Birth : XX/XX/XXXX SSN : XXXX As proof of my identity, I have included copies of my VA entitlement, Social Security card, drivers license, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 

I only ever had one credit card with XXXX XXXX and there was only ever one missed payment. XXXX XXXX is reporting it as two trade lines, and one with 3 total missed payments. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/22 transferred in enough money from one bank account to cover check. Seems it was past a cutoff point and didn't apply until the next day. Had to deal with some emergencies related to a sick cancerous child. 

On XX/XX/22 my check posted but I was charged not one but TWO overdraft fees. A tier 2 overdraft fee in fact.

Called in to see if I can have a courtesy overturn but was advised that they couldn't be reversed for an arbitrary reason. Now I'm concerned with this bank as I've done enough business with them already, including buying a house. What more do they want?!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-04
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage servicer, Ditech is doing dual tracking. They have started foreclosure proceedings while still evaluating me for a loan modification. In addition, they started foreclosure proceedings after I turned in all the paperwork and was waiting for a response to my loan modification. They then stated that I had not turned in the appropriate paperwork and then asked for paperwork I had previously submitted. Then they sent back XXXX because it was missing a date two months after I had submitted it and without anybody ever advising me that it was not filled out correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I sold my home short sale on XX/XX/XXXX. Between XXXX and XX/XX/XXXX I received documents from GreenTree Servicing stating the loan had been paid in full, a satisfaction or release of mortgage, and the consumer note marked " PAID IN FULL ''. I am still, to this day, receiving phone calls from GrrenTree collectors trying to collect. I have even faxed these documents to GreenTree but still the calls continue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2016-08-24
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX, Ditech Financial LLC submitted to my bank a payment in the amount of {$660.00}. They were only authorized a monthly payment of {$190.00}. As a result, of the {$660.00} submission it overdrew my checking account. Subsequently, another account was affected and XXXX overdraft fees were added to my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for the Chase Sapphire Reserve Visa Infinite credit card on XX/XX/2021. 
My application was not immediately approved, so I called into the Chase credit card reconsideration line at XXXX to provide more information in order to be able to expedite the process and get my application approved. 
After talking to an agent from the Chase lending team, she was willing to approve my application, however, since I already have a Chase United Club Visa Infinite credit card with $ XXXX credit limit, she needed an approval from a more senior credit analyst to approve me for the new card with the $ XXXX minimum credit limit. 
I was told by the agent that she has referred my application to a more senior agent for manual review and I will be informed of the decision in 2 to 4 business days. 
I received a letter from Chase on XX/XX/2021 that I need to call into their Fraud Prevention Department at XXXX to verify my identity. 
I contacted this department on XX/XX/2021 and my identity was fully verified. 
I was told by the agent from the fraud department that my application is being sent back to the lending team for final review and approval. 
It is now XX/XX/2021 and my application status is still pending. 
Every time I call the Chase lending team at XXXX, I am being told the same message : " Your application is currently pending. You will be notified in writing of our decision in approximately 2 weeks. '' I have been a chase banking and credit card customer for many many years. I would appreciate it, if you could look into my application, see where it is at, and, if possible, kindly obtain me an approval for the Chase Sapphire Reserve Visa Infinite credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Several months ago I began pursuing a modification with DiTech Mortgage so I could keep my home. On XXXX/XXXX/XXXX I spoke with XXXX XXXX. He told me the documents they had recently requested had been received and nothing else was needed. I asked him if there was any other info I needed, he said 'no '. On XXXX/XXXX/XXXX I spoke with XXXX XXXX XXXX XXXX who told me there was a huge list of documents I needed as of XXXX/XXXX/XXXX, the very day I was told they had everything they needed. He also told me I had a sale date on my home for XXXX/XXXX/XXXX. I asked when the sale had been scheduled but he could n't tell me. I asked why I was n't informed of this on my call on XXXX/XXXX/XXXX. He did n't know that either. The same day, XXXX/XXXX/XXXX, I called back and spoke to XXXX XXXX who then told me that there was no sale date on the file and that XXXX XXXX ext XXXX was incorrect when he told me that my home would be sold on XXXX/XXXX/XXXX. Ditech is doing everything they can to steal my home without giving me a chance to get current. I 'm working with them in good faith, and they 're XXXX me around and driving me insane. They are either incompetent or liars, and either way their policies and my file should be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: World Acceptance Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Peoples Finance XXXX SC has repeatedly called my home phone XXXX. My husband passed XX/XX/2016. XXXX. The collectors called me everyday sometimes XXXX times a day. I had to remove the phone from the room. The phone needed to be charged but I could not get it charged because of their calls starting at XXXX til XXXX. These people were named XXXX, XXXX and XXXX. They did follow me around town and stalked me in stores when my family was out and about. I knew it was them because the SC license plates. They called until my husband passed and had no sympathy when they called and I told them he passed. XXXX XXXX is working on some credit issues I have and I have already inform them as well. I wish they were more sympathetic because I owe them XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: PNC Bank N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX someone get access to my bank account information in this day some make a deposit of XXXX in my account with a check of social security. The took 45 days to realize the check was fraudulent. I really do n't understand what it took so long because first my last name was spelled wrong, second it 's not my signature in the check and third I received my check tru direct deposit never a regular check I revived the second wensday of the month. My account when overdrawn in the XXXX XXXX later the bank do n't even call me or informed me about the situation. The personal i went to XXXX different sulcus also in the XXXX area bad they treat myself like a common criminal I will not recommend this bank to fellow soldiers the way they treat me. At the moment I wax dealing leaving my residence due domestic violence where I was the victim due to this problem I sleep 4 days in car. Now I have abd apartment thanks to the wounded warrior program what I 'm grateful for the help. I do n't own a bed or tv or nothing besides pans and food due the domestic violence. On top of all this deal with the personal of this bank that do n't care about the client and do n't even offer a solution to the problem really disappointed I 'm closing the account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: PNC Bank N.A.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I financed a car through PNC bank. I was required to open a PNC bank account when opening the loan account and keep a minimal balance there to cover the loan payments. As a responsible consumer I also singed up for automatic transfers from the bank account to the loan account on the payment date. 
After the first month, I noticed that there were XXXX transfers out of the bank account. This also caused me bank fees for the overdraft. I contacted PNC bank to complain. I was advised that I probably made the payment twice. I said that this was not correct, as I had only scheduled it once. They said that they would reverse the extra payment and fees. 
The next month, PNC again withdrew the payment twice. This time they also charged me a {$30.00} fee on the loan ( I assume because of the reversal ). 
I contacted PNC again. This time they told me that PNC automatically withdraws money from my bank account. I told them that without my permission it is fraudulent to do so. They said that it was in the contract. I said that they never advised me about the automatic transfer ( without my permission ) the first month and had they done so, I would have cancelled the auto pay that I set up. In addition, right after receiving the car, I had contacted PNC for a copy of the contract as I wanted to make sure I had the full copy, and there was no mention of an autopay in the contract that they mailed me. 
PNC said that they would look into it and reverse the charges. I have not heard back since. In addition, in order to reach them, I have had to call many times, send many email, and they rarely reply. What they are doing is Fraud and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: NJ
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:
Credit bureaus refuse to remove unauthorized loan inquiries. Called several times to report that the inquiries were fraudulent and still no removal.

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 2015-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion shows 30-day late payments from XXXX XX/XX/2010 from XXXX on XXXX accounts. My accounts were always in OK and on-time status with XXXX. They have not removed these reports as requested, even though they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: SYNCHRONY FINANCIAL
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My loan has a payment due date on the XXXX of each month. I have met the payment dates faithfully for the past year with the exception of one month ( XXXX 2015 ) when my payment was 8 days late. I was charged a {$30.00} late fee which is 50 % of the required payment amount. Each month thereafter required a minimum payment due of {$90.00} ( inclusive of that {$30.00} late fee ). I continued to pay the normal {$60.00} payment amount ON TIME but not the full so-called " Required minimum payment '' of {$90.00} because I was protesting the amount of the late fee. I finally gave up and paid the {$30.00} in a separate payment on XXXX/XXXX/15. This company is continuing to charge the {$30.00} late fee on each subsequent statement. I make these payments directly on-line. Today ( XX/XX/XXXX ) I initiated a payment in the amount of {$60.00} and received a message that this was less than the required minimum payment and I would, therefore, be assessed a late fee. I called to speak to someone in customer service to explain that I believe it is not correct that they can charge a late fee on a " late fee '', especially since it had already been paid. The representative and her manager both attempted to tell me that the late fees will continue to apply whenever I pay less than the " required minimum amount due ''. I was speaking to deaf ears when I said the reason I paid less than the " amount due '' was because part of that amount due had already been paid. Can they continue to assess a {$30.00} charge each month? My payments are being made each month on time and for the amount of the original agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-08
Company: Bread Financial Holdings, Inc.
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I receive numerous calls throughout the day from this company. Three calls in one hour on most days. On XX/XX/ I received calls at XXXXXXXX XXXX XXXX XXXX and XXXX XXXX. On on XX/XX/ I got calls at XXXX and XXXX XXXX On XX/XX/ I got calls at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX. This happens multiple days in a row and all day long. They have called numbers that I did not give them to call and told them I have credit card delinquency and they are trying to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Company: LEXISNEXIS
State: NC
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 name is XXXX XXXX XXXX I have a Bankruptcy XXXX XXXX only being reported on my XXXX credit report. I called the XXXX Bankruptcy court that XXXX said they Verified through with the court. I contacted the clerk of the XXXX Bankruptcy court and I received a letter and was told that they do not share or verify and information with any credit reporting companies or XXXX and XXXX XXXX. REMOVE THE INACCURATE BANKRUPTCY XXXX XXXX FROM MY XXXX REPORT. UNVERIFIED INFORMATYION SHOULD BE DELETED FROM MY CREDIT PROFILE UNDER THE The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: CORELOGIC INC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have 2 inquiries that are showing on my XXXX  credit report from TELETRACK XX/XX/XXXX and XX/XX/XXXX. I have contacted this company that was on my credit report on XX/XX/XXXX and XX/XX/XXXX and no response from the companies as to why they pulled my credit without permission.

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 2016-07-11
Company: PNC Bank N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
UPDATED VERSION - Please use this instead of Case number : XXXX PNC Bank Small Business Account customer goes into the negatives. Instead of notifying the customer and waiting for the customer to pay, the bank sends a vague email notice ( without specification of amount ) that the account is overdrawn the day after the overdraft occurs. An overdraft fee is charged. The next day an email clarifies the amount of overdraft and indicates a fee has been charged. An XXXX overdraft fee is charged. For the following two business days overdraft fees continue to be charged for the SAME overdraft. This is ridiculous. The bank does not give notice to the small business owner and the bank continues to charge fees without notice of subsequent fees. The icing on the cake is that said PNC Bank Small Business Account Holder is NOT enrolled for Overdraft Services, although, PNC appears to charge said Account Holder as such. Instead of returning the item unpaid ( a mere {$12.00} fee, see p. XXXX PNC Service Charges attachment ), PNC can make an extra {$24.00} per charge if they charge us an overdraft fee at {$36.00} ( which we are not enrolled in ). This is a clear UDAAP concern. 

I would like to see a public enforcement action against PNC for these practices. Some of the results I would like to see from this enforcement action against PNC include : public apology and acknowledgement of unfair, deceptive, abusive acts and practices against small business owners ; donation to the SBA ( Small Business Administration ) for the purposes of educating small business owners on how to manage finances while managing a business with little help ; and free financial education seminars in all states where PNC operates. 

This is the fourth or fifth time that we have had experience with PNC and it needs to stop. To make this worse, one of the members of this XXXX is a Servicemember. CFPB - please pursue a public enforcement action against PNC so they can get their act together. Thanks.

Company response to consumer: Closed with monetary relief