BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-27
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have a complaint against PNC Bank for defamation of character and fraud. I have been with this bank for over 8 years. My daughter and I had an joint account because she was a minor at the time. In XXXX XXXX there was an estimated amount of XXXX in fraudulent transactions on this account. My daughter looked for her card and seen that the card was stolen from her wallet. There was checks from a car dealership XXXX and was used in a community bank in XXXX, XXXX. There were numerous transactions at XXXX, XXXX pharmacies and other retail outlets in the state XXXX, in the city of XXXX, XXXX, and XXXX XXXX. We have never been to this state or cities. I have filed XXXX disputes with the bank and they were denied. Because they claimed that there was film, which they had not shown us. I filed a police report and had my attorney write them a letter to resolve and clear my name of any involvement. They have not contacted my attorney or myself. The bank has now put these charges on my credit and has XXXX credit agencies contacting me regarding the balance. They also closed all my account and will not return any monies. I know if they would have investigated these checks and transactions I would n't have become a victim of a crime and false accusation from this bank. I believe that they are responsible for being irresponsible for not protecting me as a customer and allowing anyone to hack there system to withdraw funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent {$100.00} to a relative using MoneyGram XXXX/XXXX/2016. I received an email with the Reference # XXXX. The cost of their service was {$12.00} and I approved of this cost. I noticed today an additional {$2.00} fee is being charged to my credit card which I was not made aware of, nor did I approve of this extra fee. The receiver was told that the money was not available because the sender needed to verify information. I never received any message regarding the transaction was not complete, instead I received an email telling me to notify the receiver with the reference number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: MD
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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Selene Finance LP
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XXXX XXXX, 2015 I paid XXXX XXXX XXXX {$6800.00} to reinstate my mortgage included was attorney fees of almost {$1600.00} XXXX XXXX, 2015 I received a notice that Selene was to be my new mortgage service provider. 
XXXX Selene sends a statement saying I owe legal and attorney fees about {$1600.00} Selene showed a statement from XXXX XXXX XXXX stating {$5100.00} was paid to reinstate my account. No one knows where my other {$1600.00} went to.? I filed a complaint to the NC Commissioner of Banks last year. I faxed and copied/mailed all my paperwork from XXXX XXXX XXXX to Selene. They requested info themselves and were given different info. I PAID that {$1600.00} again to Selene at my closing XXXX. How could I reinstate my loan without paying legal fees??? I truly believe all the paid postings and passing me over to Selene the same time I reinstated my loan, that the mail, payments, etc crossed in the mail. Thing is XXXX XXXX XXXX should have fixed this with Selene. 
Please help me. XXXX XXXX XXXX screwed me over the last 6 yrs or so in a greedy loan modification. Thousands extra $ $ spent. That is another story I will never recoup from. I have a huge stack a paperwork but in only a few pages prove I paid the legal fees with XXXX XXXX XXXX and that Selene double billed me. I am trying to get my money back from Selene, with interest if possible ... .. This bank has been nothing but rude and ugly with me. A few weeks ago, XXXX told me the legal team that handled the reinstatement. When I contacted them, they told me they had no track of that and my name and address. I am not able to upload Doc but will gladly fax or send you copies. I had Selene as a mortgage co for 2.5 months. I sold the property in XXXX 2015. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Hello, I have a loan with Toyota Financial on my XXXX. In order for me to pay down my principal, Toyota requires that paper checks or money orders be sent directly to their XXXX XXXX facility. I sent my first check on XXXX XXXX ( 12 days ago ). Toyota is claiming the check has not been received and that it would still take upto 2 days to post onto the account. Note : standard mail in the U.S. takes 3-5 days, maximum, which means Toyota has had the check for 6-7 days. 
My complaint is that Toyota makes it incredibly cumbersome and inconvenient for customers to paydown the principal on loans. I deal with Student Loans, Credit Cards and various other debts where paydown of principal in instantaneous and convenient for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I co signed a car loan for my daughter after it was all said and done i was first on the loan. My daughter made payments Santander applied payment to the wrong account once that started my daughter got behind on her payments. Santander never once called me or sent me a letter to inform me that the payments were late and not made. With my name being first on the loan i would have thought the banking institution would have called me. When i found out the car was repo i called Santander to try and fix the problem. I could have got the car back for XXXX but, that was not the final fees once i went to pick up the car it was another {$1200.00} for fees towing, impound, cleaning, storing, gate fee etc. I was never told that by Santander. If Santander would have notified me I would have made the late/ missing payments ( XXXX ). There are bad reviews on this bank they are sneaky and not willing to be ethical in there business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX constantly changed the amount they said I owed for my treatment with them in XXXX and early XXXX. However I paid it every time they gave me an amount, always thinking I was paid in full after insurance. At one point I was actually overpaid over {$100.00} because they were overcharging me. Then in XXXX XXXX, XXXX they sent me to collections for {$32.00} and {$7.00} for a total of {$40.00}, which they never sent me a bill for just sent me to collections. On XXXX XXXX, XXXX I paid and did n't argue with them, thinking I was paid in full six months after my XXXX ended. XXXX XXXX, XXXX they sent me a bill for {$180.00} and I called for a detailed statement. All I got was another statement with credit adjustments and now saying I owed {$36.00}. This time I went to XXXX XXXX to try and resolve the matter. There they said I owed {$3.00}, as I was going to pay this I decided to make them call the Accounting Department to explain the {$36.00} versus the {$3.00} because I wanted this paid in full, over and done with since I had not been there for treatment since XXXX XXXX. When Accounting forwarded the statement after waiting about an hour, it showed {$36.00}. I paid that instead of the {$3.00} and said I wanted something showing I am paid in full and do not owe them anything more. I received the attached detailed statement showing I paid them {$36.00} on XXXX XXXX, XXXX with a Patient Responsibility of XXXX. I do believe this was for one of the overcharges they they credited me at one time and reversed but I just wanted it done and paid it, it was clear they did n't know what they were doing. They assured me they would get everything taken care of with the credit reporting agencies because this was all their mistake in their Accounting Department with changing the amounts and not filling me in six and nine months after my XXXX was over, when I thought I was paid in full. I do not owe this {$32.00} on my credit report, another new amount, but from the XXXX XXXX date where they started the collection process and I immediately tried to take care of it. This should not be anywhere on my credit, nor should it ever have been. I was not aware they never fixed anything with the credit reporting agencies until I applied for my car loan in XXXX XXXX. And this says {$32.00}, It took me a while to find all the receipts and documentation, but I did and it is attached. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Hellothe issue is that we were doing a modification that started with XXXX and then it was given to M & T Bank for continuation. Towards the end of our modification, our house was sold, although we had received papers from the court that they were giving us a date in court to stop the foreclosure sale that was suppose to happen the following week. Yet, our house was sold a week BEFORE the court hearing was suppose to take place and when all papers shows that the modification was taking place. I wrote to the court but they replied that hearing was final. I also appealed the courts final decision and the appeal was denied. I asked for a rehearing and that too was denied. Since the beginning I have tried to explain all the process to them. I haave sent and resent papers with proof of what I 'm saying with very detailed explanation and it seems that it has fallen on deft ears from banks to courts to everyone. I found your article in XXXX magazine and decided to write to you about it as a last recourse. I still have hope everything can be undone. They had also told me that if I showed something had changed they would take it under consideration when we were still in the modification, but although I showed my husbad was now working nothing was taken into consideration and nothing changed. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
For the past years, I have been using 'MoneyGram online transfer '' to send money to relative abroad. My transactions are random and less than {$1000.00}. I registered my banks accounts with Money gram and the monies are withdrawn from my banks to cover the transactions. Last month, when triying to process a {$94.00} transaction, I got denied that my bank information could not be validated. I called MoneyGram, and was informed that " XXXX '', a third party which safegaurd online transaction needed to validate my information. I called XXXX, provided them with all my accounts information. Was told that it will take a week to update system. Three weeks later, I encountered the same issues. A call to XXXX left me suspect that they have no clues of what is to be approved by their system. They were unable to trace my past moneygram transactions. I have the impression that they wanted to decide when I would send/spend my hard earned money through their service. What is all this about? Who really monitor XXXX??

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I pulled my credit report from XXXX and noticed an account I did n't recognize. I mailed a letter ( attached ) to Enhanced Recovery regarding this collection for " XXXX. '' It has been over 30 days since I mailed the letter and have had no response. And now XXXX is reporting this account on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-08
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am Not the person they are calling for, there fore I do not respond to the call but they still call me Everyday

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
This is information that should be included with Case # XXXX submitted this evening also. Texas Regulations allow a XXXX % Homestead Exemption for XXXX of the XXXX taxing entities for property taxes using different tax rates for each entity. 
The UN-altered tax certificates provide the calculations for each entity. Later tax certificates provided to our attorney prior to a Civil Action, the calculations were removed. Prior to the calculations and shown on the tax certificates, an incorrect calculation was made.XXXX % of {$330000.00} is {$260000.00} and NOT {$200000.00} as shown on the tax certificates. 
The XXXX XXXX, XXXX letter from PNC attorney after receiving the QWR stated the error was made by using XXXX % of {$25000.00} which was a construction title policy which is {$200000.00}. That letter was also provided to HUD. 
One must make the calculations using both base amounts, as we have and the result is the construction title policy, which PNC and their attorney failed to include, will not produce the amounts shown on the un-altered tax certificates.This had been verified by the XXXX County Tax Office, XXXX XXXX XXXX as all calculations provided by me should be verified by the proper office. 
The individual amounts on the tax certificates ( XXXX ) were used for the Initial Escrow Analysis and Disclosure. The amounts were also used to project the estimate for future taxes.Two of the incorrectly calculated amounts ( {$750.00} and {$690.00} ) were incorrectly placed on the Disclosure to be paid in XX/XX/XXXX rather than the correct amount for XX/XX/XXXX of {$320.00}. 
This made the Disclosure wrong and the HUD-1 Settlement wrong due to an amount from the Disclosure is used to calculate the aggregate adjustment credit for the XXXX. The other errors on the HUD-1 have been explained in the previous complaint. PNC refused to acknowledge the additional tax amount we were facing every month for the 30 year loan and thought it was nothing more than a one year error and made an offer of approximately {$900.00}. 
Using a PNC calculated amount ( {$4200.00} for the tax estimate, minus XXXX page of the tax certificate of {$3300.00} and used for an escrow analysis when the refund was made to the borrowers, {$4200.00} - {$3300.00} = {$950.00} This offer was not made in Good Faith Additional documented evidence is available if needed. All documents referenced in these complaints are available. All Settlement Documents are available. 
By providing incorrect information and altering documents and providing it to a Federal Regulatory Agency should be reason for an investigation for the good of all consumers serviced by this lender and due to their documented errors

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Midwest Recovery Systems
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
According to a new collections account on my credit report from Midwest Recovery Systems, I apparently took out a payday loan from XXXX XXXX on XXXX XXXX, 2012 and defaulted on it in XXXX. I am contesting that this is inaccurate, I never took said loan. This fraudulent activity is now part of my credit report and is a misrepresentation of my score. In addition, Midwest Recovery Systems never sent correspondence to our address prior to reporting it to the credit bureaus. As a matter of fact, I have never heard of either company before, and am reading nothing but complaints and investigations involving this same type of situation. Midwest claims to be a XXXX party collection agency that reports to the credit bureaus, and apparently continues to get away with scamming innocent consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: ACS Education Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have XXXX loan from my time at college, a Federal Perkins loan, being serviced by ACS Education Services. Six months ago I changed main banks. I attempted to change the bank that ACS Education Services auto-withdraws from. I received no receipt not acknowledgement at the end of the 7 days they state is required to process the bank change. I in fact received no communication whatsoever. I checked the account and saw that they had assessed a late fee and listed the payment as failed, and had not sent any notification about the failed payment or late fee. I paid manually, using their ExpressPay system, using the same exact information that I had registered as my main bank account for autopay. I then re-filled the autobillpay form, thinking it might have been a mistake ( I would like to add that they do not, as every other company I have interacted with would do, perform a bank account validation withdraw/deposit ). Next quarter I had the same issue, except I was notified by a late payment status on my credit card. Again, I received no communication. When I contacted the company ( who was unavailable by phone ) by email, and explained that I have n't had a late payment in seven years and would like them to withdraw the late payment from my credit status, they refused, and stated without any presentable evidence that I was wrong. At no point in time did they offer any assistance in resolving the issue, nor any advice ( despite an explicit request ) for a method to confirm that the account was properly set up. Late payments aside, I do n't understand why they would seek to damage my credit instead of simply working to ensure the account is properly set up. A person 's credit rating is important and I have done nothing that would reflect willful negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been given the run around for over 2 years on my loan modification finally I was approved and put on a trial payment and then I was denied that I did n't sign the documents on time. The problem was that they were not sending me the documents and I called various times and asked for the package. The package came in 1 month afterward and I signed the documents and then I was told not to make anymore payment they would not be accepted. The agent told me that I had to fill out another loan modification packaged. That one was denied too. Then finally I got someone who said to file with escalated cases and they would advocate for me and I can get it over turned. Except the person who handled my case was not trying to do anything to help but she said that it was denied to fill out another loan modification too. I have been going back and forth with this issue. I was just told of another denial and that a XXXX XXXX was handling my case with the escalated cases. I have been trying to reach her and have left several messages and have not been able to contact her. I call direct to her line and to the office here at XXXX XXXX and I was told that a XXXX would be calling me but he was on the phone and it would be a long time before I could talk to him. I have called 4 times today and the phone rings and rings to messages or they have caller ID and do not want to take my calls. Usually I do not call so many times but I was told I did n't follow up enough with my paperwork. 
Can you please help me with getting this resolveXXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Rewards

Complaint:
I am filing a complaint on behalf of a reward dispute that occurred with Cit Bank Group for my Citigold checking account. The reward was for XXXX XXXX XXXX points after completing the necessary spending requirements ( which were met ). Despite receiving repetitive confirmation from Citi Bank both via writing and phone that I would indeed receive the bonus points, Citi Bank eventually withdrew their offer from me without any justification. Additionally I was charged a $ 30 monthly fee to keep my Citigold checking account open while I was waiting for my points, which now, according to Citi, I will never receive. 
I suspect that Citi Bank intentionally provided me with dubious information in order for me to stay a Citigold customer and continue to pay the $ XXXX monthly fee for their service. 
I have ample amounts of documentation to support my claim that Citibank confirmed the promotion and then went back on their word including an inquiry that Citibank, itself, filed in XX/XX/XXXX confirming I was eligible for the promotion which they obviously never honored.

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