BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-09
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Every year, PNC sends menacing letters to me ( and my co-mortgagee ) that we have n't provided proof of our condominium building 's master insurance policy. The letter ( s ) threaten that a master insurance policy will be opened in our name ( or already has been ). Often we have very little time to get the documents in. The process is cumbersome and time-consuming every year. This year, after resolving the situation in XX/XX/XXXX, we received an additional letter stating that a policy had been opened in our name anyway. After calling, submitting a SECOND copy of the document to PNC via its website, we were assured that the issue was now resolved and that a confirmation letter was on the way. Our statement for this month ( opened today ) shows that PNC in fact DID open a master insurance policy in our name in the amount of {$1200.00}. This was not necessary : the unit 's insurance is up-to-date, the building 's master policy is up-to-date, and we can show ( and HAVE shown ) proof that PNC has access to both policies. 

PNC takes no initiative to work with us, but sends us ex post facto threatening letters each year. This year they have taken a step too far by opening an unnecessary ( and perhaps illegal ) insurance policy. Customer service tells us they 've received documents, and then we are told that it does n't have them. 

Please help us. We have never been late for a mortgage payment, all policies are up-to-date, and yet we are treated as delinquents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: FIRST CITIZENS BANCSHARES, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an account with XXXX XXXX XXXX  on XX/XX/XXXX. As a promotion for opening an account with them, they offered a bonus of {$300.00} if you made 10 debit card transactions within 90 days of opening, enrolled in e-statements, and opened a savings account. I've included a screenshot of my banking activity to show the opening and transactions. I was due to get paid by XX/XX/XXXX and never received a bonus. I sent a secure message to them and have not received a response yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. 

I sent a cease and desist letter to XXXX XXXX. I never gave them permission to communicate with me on any medium and I have requested that they stop communicating with me on all mediums, included but not limited to : credit reporting agencies, telephone, mail, social media etc. 

This letter was sent via certified mail, and I have attached the letter and certified mail receipt attached to this complaint.

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 2017-03-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
I recently setup an automatic payment on my American Express credit card to pay the statement balance on the due date. Previously I had been paying this account using the mobile app. With the payment due date approaching I logged in to my mobile app and made a payment for the statement balance. There was no indication that an auto payment was already established and the credit card company accepted my duplicate payment. I was made aware of the duplicate payment when it was debited from my bank account twice on the day after the due date causing my bank account to overdraft. Luckily I was able to cover the overdraft while the payment was still pnding. I called to get the duplicate payment reversed and they said they would have to send me a check in the mail that would arrive in 7-10 business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Shell Credit Services/ Citi Group is in violation of my Cease and Desist Order due to the fact they had closed this account back in the spring of 2020 and I decided to turn several of my credit cards over to XXXX XXXX XXXX  XXXX for Debt Relief and I initially wrote Shell  notifying them that the account in question had been sold as of XX/XX/2020 and for them to contact XXXX XXXX XXXX  XXXX . Since then I have mailed them 3 Cease and Desist Orders requesting that they not contact me any further and telling them repeatedly that XXXX XXXX XXXX  XXXX needs to be contacted. 
The most recent order has not had time to get there it was just mailed out yesterday, however with that being said they repeatedly call here and have done everything in their power to get me to answer the phone ( blocked the number, shows unknown number, hides their company name, hides their number, shows potential spam ) They received one of the letters but their response said We appreciate you contacting us concerning your account however, we need to speak directly to you and we do not need to speak to anybody else. 
I have answered telling them not to call me any further and to call XXXX repeatedly or either they leave me a message that they need to speak to me directly. The number comes up as an unknown number but they have left a message with a call back number, XXXX. The most recent contact from them was an email on XX/XX/XXXX, XXXXfrmanding to make a payment now and to login on my account to make the payment and then they called in on Sunday XX/XX/2020 requesting the same and stating that it is important

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: CA
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 have file disputes and have not received anything regrading them. I feel the 30 days is more then enough time to reply to my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: EQUIFAX, INC.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$2000.00} XXXX XXXX {$540.00} XXXX   XXXX {$1200.00} XXXX XXXX {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of fraudulent activity, and this has hurt my credit which is making it hard for me to apply for any assistance,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After complain filed each time I call the representatives state that they cant handle my call and has to be transferred over to manager. Manager doesnt answer calls via transfer or via provided number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

Transunion has violated my right to privacy in accordance with 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

Transunion has violated my rights in reporting this account as they do not have written permission in accordance with- 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
In XX/XX/2020 I filed a dispute with the three major credit bureaus XXXX, Equifax and XXXX about the unverified account XXXX XXXXaccount # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX. XXXX acct # XXXX, XXXX   acct # XXXX and XXXX XXXX  acct # XXXX. In over 30 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
In XX/XX/2020 I filed a dispute with the three major credit bureaus XXXX, XXXX and Transunion about the unverified account XXXX XXXXaccount # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX. XXXX acct # XXXX, XXXX   acct # XXXX and XXXX XXXX acct # XXXX. In over 30 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today. Thank 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 explanation
Consumer complaint received 2022-01-27
Company: Navient Solutions, LLC.
State: NY
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:
My husband and I hold a spousal consolidation Federal Family Education Loan ( FFEL ) - a program that was terminated in the early XXXX - which prevents my burden from becoming eligible for public service loan forgiveness, despite that I have been teaching in a qualifying public university for 19 years and have never missed a student loan payment since I started to repay my debt in XXXX. The original loan was for +/- {$85000.00} and to date, we have paid a total of +/- {$130000.00} in principal and interest. 

Apparently, although FFELs are federally guaranteed loans, they can be backed by banks or private lenders ( ours is backed by the State of New York ) and, currently, do not meet the US Department of Educations qualifying criteria for the PSLF program. Of course, the vast majority of students who took out FFEL loans did so long before the PSLF program was created in XXXX and, therefore, could not anticipate the criteria that would be used to determine which loans would qualify for a program that did not yet exist. For this reason, those borrowers under the FFEL program who meet the current criteria in place for PSLF should be grandfathered into the forgiveness program. They are federal loans as well as indicated in the very name of the program under which they have been issued. I should note that at the time of consolidation in XXXX, my husband and I were never told about these differences between FFEL and direct loans.

Furthermore, the US Department of Education has severed millions of us from any kind of relief in the future. Borrowers with spousal consolidation FFEL loans can not reconsolidate into a new one a direct loan that is considered eligible under PSLF even if it means restarting the clock and making timely payments for an additional 10 years. There is no mechanism in place under which this can be done. In short, loan conversion is not possible and no relief is available to some of the longest-paying borrowers in the student loan system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: MA
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: Investigation took more than 30 days

Complaint:
Hi Rep ; I was going through my credit report for the last 90-days and working closely with XXXX XXXX XXXX XXXX on my 2 mortgage accounts with several late remarks. As you can see on the attachments, they instructed the credit bureau to remove all the late payments and make the account current and never late. However, my credit report is still showing the errors and i want to provide you the supportive documents to make an immediate correction on both accounts.

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 2016-02-11
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been a customer of PNC for almost three years. I believe that PNC targets their consumers who once they have reached a certain amount of overdraft fees, they just add erroneous fees later. Example. Last year I had a lot of bank issues and I had {$180.00} worth of overdraft fees. This year I decided to keep better track of my spending to avoid these fees. 
In XXXX my account was overdrawn {$60.00}. PNC 's policy is you have until XXXX to bring it current otherwise you will get a {$36.00} fee. I took out a payday loan of {$100.00} and put it in my account, so I had a positive balance. The next day PNC charged me {$36.00}! I immediately called the branch the manager argued with me and said that even though it 's not PNC 's error she would refund my OD fee since I did get a payday loan to avoid it and she wants to acknowledge my effort ... Since my OD was refunded I did n't proceed any further. Now as of yesterday I had XXXX deposits. XXXX for {$8000.00} another for {$160.00} and another for {$750.00}. Prior to the deposits my account balance was - {$17.00}. I put {$17.00} on my card which left me with {$.00} overdrawn and PNC policy is any balance {$5.00} and under will not get a fee.. I wake up with almost {$10000.00} in my account and I see an OVERDRAFT FEE!! Because a check for {$110.00} was processed BEFORE they let my credits come through! They do n't time stamp when debits and credits come through for the purpose of being able to process debits before credits. Because since my balance was XXXX cents they allowed the {$110.00} to be processed so the {$36.00} fee could be charged and THEN they let my credits come through. I spoke with another employee who advised that while they can see where I would think their system is triggered that once you hit a certain dollar amount of OD fees, they will just throw random fees at you. She assured me that 's not the case even though she could n't admit which transaction came first the debit or the credit. Based on yesterday me getting an overdraft fee based on them saying the debit was first but they do n't time stamp so they ca n't prove it, then they do n't need to be charging fees!! How many other people have they got with this technicality? Basically we do n't know which came first, but we are going to benefit from this either way???!!! I geniuinely feel that if you all start and investigation you will find that PNC has very shady practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had opened a loan with Chrysler Credit had paid extra payments through out the loan term. At one point during the term I questioned them on how they were applying the extra funds I had submitted and they told me it was going to the term of the loan. Which made no sense. Things got really messy when I ask for a one month extension they put two on there and when I asked why they said that was policy they put those two on the back of the loan. Then when the payment came due they showed it 60 days. At one point I feel behind and they took the car. I had to get it back and paid that ridiculous amount. This car has been paid off but what they are showing is unreasonable fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$2000.00} XXXX XXXX {$540.00} XXXX   XXXX {$1200.00} XXXX XXXX {$24000.00}

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 explanation
Consumer complaint received 2015-06-22
Company: Financial Credit Service, Inc.
State: WA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Company claims that they are collecting for a company that I have never heard of but they have all my details, called ex husband that I have not spoken to in years with threats and false accusations demanding that he tracks me down to call them. I think that they are the same company in the past pretending to be someone else. When I call the number they refuse to send anything in writing, They become aggressive when I refuse to give them money over the phone, threating to have me arrested and my social security and credit ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Report attempted pull in end of XX/XX/2020 Phone calls made to correct the issue - advised to send paperwork including social security card, state ID, and bank statement. 
Documents sent XX/XX/XXXX, and received ( or supposedly received ) by agents who said " paperwork in process ''. From XX/XX/XXXX until XX/XX/XXXX, I am told that it will take " 5 business days '' repeatedly to process the documents. 

Phone calls back and forth until XX/XX/XXXX. I overnight the documents to their overnight address, and is supposedly received and processed on XX/XX/2020. 

For some reason, the files are still not processed - it has been more than " 5 business days '' and the file is still unrepaired. It was stated that a " social security card '' was not acceptable proof of my social security number. They will not let me have anyone else on the line. They will not let me access an attorney 's advice on the line. And no one knows why anything is the way that it is. No one can confirm why I have two file numbers. No one can confirm where the documents are, where they were put. And I am honestly frustrated. I have been attempting to repair this since XX/XX/2020 - it is XXXX! 

Attached is a deidentified letter I sent to the credit agency. the original can be furnished upon request

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 2016-09-27
Company: WELLS FARGO & COMPANY
State: KY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
We have a second mortgage with Wells Fargo. Because home equity lines are lower than the 8.99 % we pay now a caller from Wells Fargo suggested we apply for a home equity line and payoff the second mortgage. We did and asked for {$11000.00} additional to do some work on our home. I had secured a hardest hit loan from Kentucky which was honored 6 weeks ago. I received a call just now and was told that Wells Fargo treats Hardest Hit loans like foreclosures and that 's the reason we were turned downed.. This is just not right. We got the hardest hit loan to avoid foreclosure and now find it is treated like a foreclosure even though it saved Wells Fargo XXXX dollars. Had we been foreclosed on Wells Fargo would have lost all the balance of their loan as they were 2nd lien holder.

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