BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-06
Company: PNC Bank N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a SFR as an investment property. I refinanced it in 2012. I obtained the refinance through a broker. ( In fact when we signed our mortgage papers we signed a document requesting that WE PAY ALL FEES DIRECTLY. That was not honored ) It was sold to XXXX Bank who serviced it from XXXX and then sold to PNC Mortgage who has been servicing it to this date. I requested that they cancel my impound account which they agreed to but they want to charge me {$250.00} to close the account. I do n't remember agreeing to this. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On Saturday, XXXX XXXX, 2015, I made an electronic deposit of my paycheck to PNC Bank on XXXX XXXX XXXX, in XXXX XXXX Maryland at around XXXX. I had been told by this bank that if I made a deposit on a weekend, no matter how late it was using the automated teller service, the deposited check/checks would be available by Monday morning and would cover my account. As of XXXX XXXX, 2015, I had approximately, {$240.00} left on my account. I made the deposit of {$730.00} on XXXX XXXX, 2015 which made my total account balance for Monday, {$940.00}. 

By Tuesday, XXXX XXXX, 2015, I received a notice in my e-mail that I was overdrawn in my account. PNC, deliberately held back the funds until other debit transactions where charged to my account because according to my statement, all the transactions including my deposit were all done on the same day, XXXX XXXX. My check for {$730.00}, had been deposited way before then. Plus, I was charged a double overdraft charge. This is not fair to consumers who have to pay their bills and are trying to do the best they can to manage them. 

I called PNC bank and I spoke with a Consumer Service Consultant, XXXX XXXX XXXX, who was rude, and kept trying to talk over me when I was trying to explain the issue that I needed help with. I kept asking to her to please let me speak with a Supervisor but she refused to let me and told me that their was nothing that a Supervisor could do to help me. She also refused to refund the overdraft fees and would not listen to any reason. 

I had explained to XXXX XXXX that I recently had had surgery and was unable to drive. My paycheck did not arrive until Saturday and I had to wait until someone to come and drive me to the bank in order to make the deposit. I had also explained to her that teller at the XXXX XXXX branch had told me that if I make a deposit using the automated system on a weekend, that my deposit would be recognized in my account the very next day, .. and that is the truth! 

I also have a screen capture of my account transaction from XXXX XXXX, 2015 to XXXX XXXX, 2015 for proof of this issue which I would like to get resolved. 

Thank you for your patience.

Company response to consumer: Closed
Consumer complaint received 2016-09-09
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a HELOC with PNC Bank for many years. Recently, I discovered that the loan minimum payment had gone up considerably, but I was never notified of the change by PNC. I continued to pay the previous minimum payment on time ( it was actually set to autopay ). By the time I finally got in touch with them and determined the issue, they had reported my loan 30 days late twice to the credit bureaus. Once the miscommunication was cleared up, I immediately paid the overdue amount and it has been paid on time since. Unfortunately, because the late notices damaged my credit score, I am now unable to refinance and receive a more competitive loan. I am very skeptical of PNC 's motivations for their lack of communication re : the payment amount change. Although they had my correct phone number, I did not receive any messages re : the situation. Even going to the PNC website showed no indication on screen that the loan had any past-due status ( I have screen shots of this ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: BMW Financial Services NA, LLC
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
BMW Financial Services claims I owe XXXX, it was previously a higher amount of around XXXX. The insurance company, XXXX, paid off the account less this amount. The vehicle was totaled in an accident on XXXX XXXX, 2016. The GAP company, XXXX XXXX, paid out the claim with no benefits. They claim the reason for this is due to an over payment by Met-life, they paid more than the stated settlement amount and according to a supervisor in charge, this caused the claim to be paid with no benefits. It appears they gave a different reply to BMW Financial Services claiming because the account was past due at the time, it was paid with no benefits ... Neither of their replies makes any sense to me and I believe they just make up a phony reason not to pay out. Needless to say, I refuse to pay a dime to XXXX XXXX, it will have to come from XXXX or XXXX. Complaints were filed with XXXX XXXX XXXX XXXX as well as XXXX office against XXXX, both unresolved. It appears XXXX ( XXXXClaims ) is shifting their response for non-payout of claim as explained before, their reply to XXXX named agencies stated over payment by XXXX caused claim to be paid with no benefits, no mention of account being past due. The amount of XXXX, is a settlement offer good through XXXX XXXX I believe. I have a counter offer of ZERO which is good until forever. If they are seeking any payment at all on this totaled vehicle, which was not my fault and have police report to prove it, I 'd suggest contacting XXXX or XXXXClaims. No payment will come from me on this totaled vehicle, not my fault. Please do not mark this as duplicate, there is additional information contained.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Old case # XXXX we had this resolved. Same bank different complaint. Equity line modified, term not principal even though the house was appraised {$77000.00} less then the new equity line. I think they beat you until you will take anything after fighting for 3 years. The new complaint is I had to obtain a lawyer to tell me to stop paying PNC or they will not respond I had to ruin my credit. I asked them after it was al said and done what do I have to do to make my new loan current. They told me I would be on a trial bases for 3 months. I asked if I could make XXXX payments early to get current earlier. They said yes. I made XXXX, XXXX and XXXX payments XXXX XXXX. I was imfomed the following week that XXXX payment went into XXXX and my other XXXX payments went to principal and I still owed XXXX, XXXX and XXXX. I have been abused by this bank for 3 years. I would like to meet with someone from your agency to discuss this in person. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: PNC Bank N.A.
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I am a PNC Bank customer who uses online bill pay extensively. Earlier this year I started noticing that PNC was automatically enrolling me in an ebilling program for several vendors. When I inquired about it they told me they couldnt stop it but would remove me on those couple vendors. I acquired a new credit card and entered it in and set up online payments but again found out had automatically been enrolled in ebill. When you are enrolled in ebill you start getting a lot of emails that seem geared towards collection of the bill. I contacted PNC corporate and what I discovered is they are doing this with all customers. My theory is that XXXX who does their online banking is charging vendors like XXXX for the ability to penetrate bank accounts and automatically enroll customers. This is wrong. It is a conflict of interest that should be disclosed to customers. I demanded that stop this practice for all customers and disclose it. They said they would stop it on my account only and ignored my request. Something smells rotten between PNC and XXXX. If disclosed its not a problem but nobody should be automatically enrolled in something in your bank account because a vendor paid for it. Your money is between you and the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
My father died XX/XX/XXXX and is survived by my mother. My parents have joint savings account with Capital One Bank ; this is their only source of liquid funds. My mother XXXX and has XXXX. My parents intended that I handle their business affairs when they were unable to do so, and gave me a [ dual ] durable power-of-attorney prior to my fathers death. Mother is unable to deal with her own business affairs. To be able to pay for her ongoing living and medical expenses, I submitted a copy of the dual POA to Capital ONe Bank in addition to another legal form they requested on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I called Cap One to check on status of the documents I had sent. I was told by rep that the POA was confusing and needed more specific workding but he could not tell what wording was needed. I called back [ XXXX/XXXX/XXXX ] and talked to rep to get clarification ; he referred me to rep [ manager ] and I was told that the POA was not acceptable but they could not tell me what workding or format would be acceptable. Over the next week, I drove to my mothers residence [ XXXX miles away ] and took her to our attorney. A new POA was completed that stipulated clearly that my mother gave me POAover all of her affairs including the ability to manage her ' ... assets, liabilities, and business affairs ... ''. On XXXX/XXXX/XXXX, I sent Cap One the new POA and the death certiificate as requested by the customer service representatives. I requested something in writing from Cap One to confirm they had received the documents. I did not receive a confirmation. On XXXX/XXXX/XXXX, I called Cap One to check status of POA ; I was told it was in the legal department, in process and nothing can be done to speed the process. I emphasized the time critical nature of this [ both verbally & writing ]. On XXXX/XXXX/XXXX, I called Cap One again to check the status of the POA. I was told it was still in process but I should hear something in the next two days. On XXXX/XXXX/XXXX, I sent a letter to the CEO of Cap One expressing my frustration and asking for his help to expedite the process. On XXXX/XXXX/XXXX, I received a call from Cap One Corp office asking me to call back. On XXXX/XXXX/XXXX, I called the corp office and I was told they had never received the documents I sent on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I resent the documents via email attachment and the corp office confirmed that they received them and ghe documents were being reviewed by the legal team. On XXXX/XXXX/XXXX, Cap One called to tell me the POA documents were unacceptable. I asked what wording or format would be acceptable and I was told they could not give legal advice but that some workding more specific to having authority to do banking might help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened a checking account for my son before leaving for college, for the purpose of transferring funds as needed. XX/XX/XXXX he 's doing his XXXX out of state. The problem is this institution has very limited branches. When my son received his first check I instructed him on where to go to deposit his payroll, to our surprise they held a portion until a week later. We called the bank for explanations, with the understanding that was handed over along with the advice of making more deposits the better. Next pay period same thing happened, once again we called got different advice and spoke with supervisor, she advice he go somewhere else to cash it, meanwhile I 'm here home borrowing money getting money orders going to XXXX to deposit into my acct. and transfer into his. 3rd time he cashed it and he then went out purchased a money order and went out the way to find a XXXX to deposit into his acct. so that it can be transferred back over to my acct. THEY HELD THAT AS WELL! Made a call again new advice. HELP PLEASE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is not mine, nor do I know whom it belongs to. 

SEQUIUM ASSET SOLUTION keeps placing collections on my credit, even when disputed thru XXXX on several occasions. 

This is the only information I have as shown in my XXXX  Credit Report : Original creditor : XXXX XXXX {$280.00} Collection opened : XX/XX/2020 Account number : XXXX Thanks for your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Bepensa Capital, Inc.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a car from AFS Acceptance approximately 2 years ago. After numerous conversations with them and some unethical statements said to me by their retention " specialists '' I chose to do a voluntary repossession. The account has been closed and they have done a " charge off '' on the account. However, I keep getting credit reports that they are continuing to increase the amount of the past due balance even though 1. I do n't have the vehicle, and 2. I 'm sure they sold the car and got something for it at auction. I never received anything from them after they took possession of the vehicle stating that they sold it and how much they got for it and how much do I truly owe on the account. This type of company needs to make sure that they get their information corrected.

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 2016-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card
Issue: Advertising and marketing

Complaint:
I took a hit to my credit bureau report for a deceptive reason : I went through the checkout line at KOHL 'S department store on XXXX and was asked if I wanted to apply for a credit card. I initially said no. Then was advised I could get 30 % off my purchases if I applied. I again said no, but upon thinking of the discount I would receive off my {$160.00} purchase I then was convinced to apply. Upon being approved and final checkout, I noticed there was no discount. I inquired and the manager or lead came and gave me a {$0.00} discount as you can see from the receipt I included in this email. I was then told you ca n't get a discount on Levi jeans. The cashier is then co-signing this information. This strikes me a surprising that the cashier is now telling me this information as XXXX out of XXXX of my items are Levi jeans. Unhappy with this the manager/ Team lead person reminds me I did get 30 % discount off the {$2.00} shirt. Still unhappy and voicing my opinion about it. She then tells me " If I do n't want the card I can just pay for it all with another method of payment '' I then proceeded upstairs to return all the merchandise. I think it should be noted of this UDAAP violation as it would be a deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Great American Finance Co
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On the companies website, they show a due date which is not the correct due date. I made payments for two months and found out that I was late even though I was making payments by the date that I thought was the due date. I told the company what happened and made sure that I paid by the due date they told me on the phone and eventually paid the account off in full. I asked if the late payments could be deleted because their due date showing on their website is not my actual due date and they have told me no numerous times. I even told them this was holding me back from buying a house and they did not care and said no. 

When you are late, they do not call or send an email notifying you that you missed a due date so you can catch it before it 30 days late. They do not send anything in the mail notifying if you are late. The only way you are notified is by a credit report update.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had what I believed to be a joint account with Capital One with my ex-husband. The account was opened in XXXX ( by me and using my e-mail address ) and the current credit line was {$11000.00}. We divorced in XXXX and I have been making the payments on the account since that time. The bills come to the house that I own and all payments have been made from my individual checking account. My name is on the bills ; was on any transfer checks that were sent ; and the account appears on my credit report. My ex-husband decided to cancel the account on XXXX XXXX and was able to do so without my knowledge or consent. Capital One is saying that he is the primary cardholder and has the right to do that. This does n't seem fair as I am the one that has made all of the payments for the last 10 years and the one that made sure each of those payments was made on time for the last 16 years. It appears discriminatory to me that my 16 year credit history can be wiped out as well as the {$11000.00} of available credit being taken away from me without my knowledge and without any options for saving my record being offered to me by Capital One. I have called multiple times and written XXXX letters to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account on XX/XX/XXXX 2015 through Capital One 360 's publicly available promotional webpage that offered {$400.00} for opening a checking account and completing two direct deposits of {$250.00} or more within 60 days. I made 2 direct deposits of {$280.00} each on XXXX XXXX, 2015 and XXXX XXXX, 2015. However, when I sent a message to inquire about the status of the {$400.00} on XXXX XXXX, 2015, Capital One refused to honor the promotion, claiming, " We were unable to match your name with our list of invited Customers. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 a case of ID Theft, and may have gotten a motorcycle in my name using some of all of my information after he stole my wallets and other important documentation.

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 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I contacted Transunion on XXXX/XXXX/XX/XX/XXXX to dispute and request a investigation into incorrect accounts on my credit reports. 
I received a copy of my credit report and found the following items to be in error. 

XXXX XXXX XXXX # XXXX $ XXXX This account does not belong to me. Please REMOVE XXXX XXXX XXXX $ XXXX This account does not belong to me. Please REMOVE Transunion never investigated my dispute and its been almost 2 months and I have not received any investigation results.

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 2017-01-13
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Unfortunately my husband who paid all the bills and took care of all finances passed away unecpectedly XX/XX/XXXX. Prior to that in XX/XX/XXXX he went to a debt consolidation company which we thought was legit. We signed the agreementa and made the payments. Unfortunately after his death, I had to seek a probate lawyer because he died without a will. She explained their practices and at that time I found none of the payments had been applied to the credit cards which meant all were already in default. She suggested I make a settlement with the credit cards. I did so with the two I thought I had and had contact with. This credit card company has not made any claims to this debt until now over 2 years later. I look on XX/XX/XXXX and it shows XXXX balance so I assumed it was the Citibank I already paid. The only reason I found out is I have been trying to bring my credit score up and I constantly look at XXXX. There was an open collection listed on my report for XXXX. I have since learned it is a debt collector for Citi Bank. I did make a XXXX payment to Citi Bank on XX/XX/XXXX which I thought settled everything. To my horror this is another account. I have ripped the house apart for any type of paper trail on this account and I can not find one piece of paper. We were in desperate financial trouble at the time of his death so I am not doubting that he opened this card. Once he passed I had no acces to any account info because it was on his work laptop which was siezed in XX/XX/XXXX and I had no way of getting in it because of security measures. I did speak to XXXX today and requested account info but looking on XXXX it shows the acct closed collection/charge. 
I honestly thought I was climbing out of this nightmare until I got onto XXXX. I have been getting XXXX # calls but the lawyer said they can continue to call so I assumed it was what I thought was paid off. How can a company do this? It just destroyed my credit history that I have worked so hard scraping and scrimping to repair? I am desperate for 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 explanation