BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-13
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I filed a complaint against PNC Mortgage in XXXX or XXXX against the process thy use to process they use for providing a mortgage modification, During that time I provided them I provided tyhem with all the requirements for a HARP mortgage modification based on the fact that I had retired in XXXX of this year and my wife lost her job in XXXX also. They changed the dates required for responding to my complaints and moved forward with a foreclosue date. The date was cancelled and changed a couple of times because they were not being honest with my wife and I. I no longer trusted PNC and decided to perform a short. My real estate agent XXXX XXXX, XXXX received permission to enter the process as my spokesperson with PNC in order to carry out the short sale. To my knowledge he received permission from PNC to perform the short sale and begfin getting the property ready in XXXX, he immediately received a offer in the amount of {$450000.00} for the property which is more than fair considering the property is under water. Recently PNC informed XXXX XXXX that they were not going to accept the dshort sale because we had not provided XXXX documents, Profits and loss statements for my wife ( which they do have, and tax documents for XXXX and XXXX, they have XXXX, and we werer given permission by the IRS to filer our XXXX taxes late, They also stated thzat we failed to meet the 38 day requirement for sending them documents that they in fact already had. According to many real estate agents the 38 day requirement does not exist The fact that they gave my agent above permission to sale is the only requirement I needed to move forward. We have done everything requested of us during this two year process and PNC has not been honest with us, they change contact staff for me constantly and I am unable to make contact with that person and therefore I am constantly speaking with someone different each time I attempt to contact PNC. They constanly start the process over requesting the same package and documents that I have already faxed to them.You currently have a complaint on record filed against PNC with recommendations from Senators XXXX XXXX, and XXXX XXXX informing me that should file a complaint with your agency and now I mus t file again because they are foreclosing on my property on XXXX XXXX, and I feel that they have no right to carry out this un fair procedure, We need help immediately.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a notice on XXXX/XXXX/16 that my mortgage was being transferred from my current mortgage company to another one, effective XXXX/XXXX/16.

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 2016-06-15
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
They are reporting an extremely ridiculous amount that i do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/2022, I went to the Wells Fargo bank and also called them to pay my delay in the payment of the vehicle and they denied me to make any payment that only accepted the full payment of the loan or a 4-month plan to pay the total of the loan and that is practically impossible for me I had financial problems due to stress because my children were infected with XXXX XXXXXXXX and missed work and then I got sick with stress and I had to pause for my work already now I got a very good job that already in 2 weeks I start and the payment will no longer be a problem I totally agree to pay what should be delayed in the monthly payments and catch up but they do not want to accept I hope and they can help me since if I lose the vehicle it becomes more difficult for me to go to work 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 2015-07-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Attempted to answer the questions that Equifax presented to me online, all of which did not apply to me. Equifax failed to give me my report and asked me to request it using their form. Some of the information requires my drivers license, social security card, etc. Sending these items in the mail subjects me to identity theft. I was able to obtain my credit report from XXXX and XXXX online. I want Equifax to do the same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-09
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I pulled my credit report during the last quarter of XX/XX/XXXX and noticed a collection in the amount of {$200.00} from Enhanced Recovery Company ( ERC XXXX. I was never contacted about this debt. I called and spoke to a representative at ERC who informed me that the collection was due to an old XXXX account I had closed back in XX/XX/XXXX and that they could not provide me with any additional details. When I told the representative that this was a prepaid account, I was told that I would have to contact T-Mobile for additional information about my account and to request that they make a request to have the debt removed. I called XXXX and spoke to a representative who confirmed that my plan was prepaid ( Flex Pay ) ; however, they could not remove the collection once it was out of their hands ( the collection agency had to ). They refused to assist with removing the collection account even after I told them I had never received any phone calls notifying me of this fee. I have been calling XXXX and the collection agency for months with nothing being resolved. I also mailed the collection agency a request to prove that it is a valid debt and to prove that the cancellation of a prepaid account is valid. I have received no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I work very had to make sure I stay on top of my bills and commitments and I was astounded when I learned Equifax placed an unknown BK to my credit. 
I contacted them immediately and the error was removed. However, i received an alert8 months later that the improperly placed BK has been RE-INSTERTED to my credit!!! 
I am requesting that the unknown entry be removed immediately It says on my credit that the BK was filed in XX/XX/XXXX when we are in XX/XX/XXXX!! 

US DIST CT Date Filed XX/XX/XXXX Type Bankruptcy : Discharged CH-XXXX Reference XXXX Plaintiff

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Apple Law Group, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I signed a contract with Apple Law group firm in hopes to consolidate my debt with them and pay a lesser monthly amount to them versus paying several debt to several companies. After two years of making payment to Apple Law group and still receiving numerous of phone calls from my creditors ' I was informed that no one from Apple Law group had contacted them in regards to settling my debt. In the contract I am advised to no communicate with my creditors because that is why I am paying Apple Law firm lawyers to do for me. I tried to contact the Law firm by phone calls, faxes and email correspondences ( that I have on file ) and received no calls back until I put a stop payment on my account. Once I finally spoke to their XXXX and only representative by the name of XXXX XXXX and told her about my concern, I asked for a full refund and only received % XXXX ( {$330.00} ) of what I paid out. I asked to be sent a bill stating all of my charges and proof of the companies correspondence between my creditors and the law firm sent a bogus made up bill to me showing that they 'd billed me {$30.00} for having an attitude, {$15.00} for phone calling in to the firm and inquiring about my account, I was even charged for paying on debt that I specifically asked them to take off my account and they responded back to my request to delete the creditor off my account, the list goes on, etc.. I 'm currently trying to resolve paying back what I owe to my creditors but I 've lost {$3900.00} to the Law firm, which would have been almost half of the debt that I still owe. This company stole from me and will continue to steal from others if they are n't stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Identity stolen a while ago, and police reports were sent to XXXX and collection agency to stop collection on an account that was opened in my identity. 1 year later and they are still putting collections in my credit reports dropping my score even though I have proof I faxed them police reports to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-23
Company: Williams & Fudge, Inc
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The Williams and Fudge is trying to collect a debt from the school XXXX XXXX of XXXX. I do not owe that money because the XXXX XXXX schools are being shut down due to multiple accounts of predatory lending and usage of high - pressure tactics to increase enrollment. Over half of these schools are already closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: ERC
State: CA
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 receive nearly-daily robocalls from ERC debt collection agency, claiming that they need to discuss some debt I owe. 
In actual fact I owe no one any debt, and no debt that I may have owed has been reerred to any collection agent. Nevertheless, the calls continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-03-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Credit card
Issue: APR or interest rate

Complaint:
I had opted for a balance transfer through Citizens Bank last year with 0 % promotion to defray the high-interest credit card balance I carried with another creditor. I intended to pay off my balance with Citizens Bank but unsure of when the promotion will end so, on XXXX XXXX, I placed a call to the bank 's customer service line and was told that the promotion will end XXXX 2016. To my surprise yesterday Friday XXXX XXXX, I received a statement with a {$78.00} charge which made me to call the toll-free line and the customer service representative I spoke with said " The promo expired in XXXX but there 's a new one that you can apply for ''. I felt very XXXX, taken for a ride and ripped off as this guy was so belligerent and would not listen to my point that someone had told me on XXXX XXXX that the promotion was good through XXXX 2016. Rather, he continued saying " Do you have a letter to the effect that the promo ends in XXXX? '' This is gross misrepresentation, deceit and fraud of the highest order and this company has to face the music.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-14
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
i have a couple of accounts listed with your company XXXX for XXXX and another for XXXX that are fraudulent beggining with account number XXXX for both of these accounts they are resulting from my identity being stolen and i have tried everything to get these accounts removed from peoples files and my personal credit report being that they are truly fraudulent i have filed a police report and notarized affidavit as to the theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY PORTFOLIO RECOVERY ASSOCIATES LLC PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. XXXX USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection. XXXX, XXXX, and XXXX are assumed to be credit Bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. 
On XX/XX/1933 The Congress enacted House Joint Resolution 192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction, and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require a payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of The Congress .... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of currency or coin, or in an amount in money policy, and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts.

15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning such items of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Big Picture Loans, LLC
State: WA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
XX/XX/2016 I applied for a payday loan through Big Picture Loans. My application was recieved and I was authorized for a {$400.00} loan with a financing fee of {$140.00}. They said they needed addition to process the loan, They attempted to contact me via email and phone calls, to which I never responded. Eventually they notified my via email that the funds were approved ( although I never spoke with them to confirm or provide the information they were asking for ). The {$400.00} appeared in my bank XX/XX/XXXX. Beginning on XX/XX/XXXX I had my first payment withdrawn from my bank in the amount of {$140.00}. Since then I have paid {$140.00} every two weeks for a grand total of {$690.00}. Much more than the {$540.00} I was under the impression I would be paying. Since then I have further delved into the disclosures and have come to realize that the first several payments do n't even go towards the principal amount of the loan - they go into interest. As a matter of fact, I have learned that the actual payback amount of the loan is {$2200.00}. That is an interest charge of {$1800.00}. While this information is available, I feel it was very misleading and would have never agreed to this loan if I knew the full extent of the interest I was going to be charged. My loan number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Synergetic Communication Inc
State: MD
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
First The say The original creditor was a company called XXXX or XXXX. Have never had any kind of loan through either of the companies. I have never signed with either of them. The letter states " This debt is too old for you to be sued on it in court as the statute of limitations has expired, and you ca n't be required to pay it through a lawsuit. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Started refinancing XX/XX/2020 finalized in XX/XX/2020, took 5 months terrible service by Loan Depot , very unclear through process, requested documents already sent, when asking for clarification received no response 3 times .Never even talked to my rep XXXX XXXX during process.Finally came time to sign with notary, took 4 times. ( notary did not receive documents, wasted 4 days, when contacting Loan Depot received no response ) It was over 4 months of missteps by them, isupplied everything asked for promptly.I was going to end process out of frustration but as they correctly informed me I'd have to start process with someone else all over.I just wanted to get over with! 
My reason for this letter however is because after loan went through I received a bill for {$1700.00} from my XXXX  XXXX XXXX insurance which was to be includes in my escrow account which affects my monthly payment. I sent them all documents including XXXX homeowners, XX/XX/XXXX homeowners and taxes. I was shocked to find out my monthly payment had not included this this {$140.00} more per month.I reached out promptly to Loan Depot 3 times with detailed emails ( they do not return calls ) I ended up paying {$1700.00} as would expire otherwise .I now have an extra {$140.00} a month for the life of this loan..I suggested they lower my rate in letter or some form of compensation for there unprofessional mistake .Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian has not validated accurately that the account of XXXX is my account. I have reported it as a fraudulent account to the Police and police report has been provided to the credit agency of Experian. Experian has not validate information from XXXX to the information that they have on file. Providing name, birth-date, and social security is not sufficient evidence to validate the account is mine. This is why it was reported as fraudulent has someone used that information to open this account. Please have this removed from my credit report of Experian.

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 2017-02-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This is a fraudulent account on my credit report, the FEDERAL TAXES/ IRS have already satisfied this negative remark on my acct as being paid off, please remove this, also a STATE TAX LIEN should n't be on my report, another fraudulent activity on my credit report.

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 2022-04-21
Company: Experian Information Solutions Inc.
State: NV
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC report, Identity Theft Affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2015-07-10
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:
yes at my pnc bank i got a over draft of XXXX??? they would not waive the overdraft fee because XXXX years ago i had another fee they waived???? im on XXXX and going thru a hardship???? they told me they could not helpme??? thought was very unfair thats all .also im a care giver too my mom whos XXXX XXXX too.im just going thru alot of XXXX and thought they have a heart??? guess they dont.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-23
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have just discovered that I have a judgement against me with a company named Cavalry SPV I , LLC. I only found out when I went to use my debit card and my account was frozen. No notification from company or bank. Bank sent notice two weeks after account was frozen with a letter stating that a levy was put on my account from cavalry. I called Cavalry to see what it was for and they would not disclose information. Stated my bank needed to answer questions for judgement. I have never received paper work for this account, not even sure if it is my account. Never was asked to appear in court or received letter requesting court hearing or I would have appeared. They froze my account and also both my teenage children. I would like this investigated and judgement removed.

Company response to consumer: Closed with explanation