BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-12
Company: VIAMERICAS CORPORATION
State: OR
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Created an account with Viamericas to transfer money to a friend in XXXX. The account set up included personal bank account numbers to facilitate the transfer. Initially I was notified that the transaction was " successful '', but the recipient never received the funds. The company 's website later indicated the transaction was cancelled. Thankfully, my account was not debited. I made numerous attempts to contact the company 's customer service and have the account closed. Most of the time I was put on hold and then the line went dead. I received XXXX e-mail from XXXX XXXX XXXX ( XXXXXXXXXXXX ), Sr Fraud Risk ManagerViamericas Corporation, on XX/XX/XXXX, stating my request to close the account had been forwarded to their IT department. I have not received any further correspondence and the account appears to be still active. I am concerned about the potential for misuse of my account information.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I had opened a personal account with PayPal using my email address ( XXXX ) and they closed my account without giving a reason. I had called in and was told that their decision is final and irreversible. 

They have unfairly denied me this basic money transfer service with no legitimate reason known to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-21
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I made the mistake of pre scheduling a bill to be paid of XXXX to XXXX XXXX via on line pay through my virtual wallet months ago. I scheduled this bill to be paid when I was still a customer of XXXX. I paid this bill when I no longer had the service and had been a customer of XXXX for months. This payment of XXXX caused me to go into overdraft ; I was then charged XXXX payments totally XXXX. XXXX XXXX charge was for a payment made to XXXX for XXXX. I had enough to cover this bill, but did not have enough to cover my car insurance. Both would have been covered without penalty if I had not made the mistake of paying XXXX XXXX. 
{$70.00} is A lot to my family and I. We can not afford XXXX. My income is beyond tight. I am begging PNC to please review my account, acknowledge I am not XXXX to go into overdraft, and if not for the mistake of paying XXXX to XXXX, I would not have going into overdraft. I spoke with a CSR and she stated she was unable to reverse the overdraft fee because XXXX was forgiven in the past. Again, I ask that you review my account and acknowledge that I have been beyond attentive, and avoided over drafts. Due to this XXXX mistake of a pre scheduled bill payment for a service I no longer have, I am now forced to pay XXXX which is food for my family and I. XXXX XXXX stated they are refunding the sum of XXXX via pre paid card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I contacted my bank, PNC Bank, to inform them that my credit card had been over charged at a restaurant. The cost of my bill was {$10.00}. After paying my bill, I was informed by the manager that " I was overcharged a little '' but if I contacted by bank the next day they would resolve it. I was then given a receipt for {$10.00}. After checking my account the XXXX day, I noticed that I was charged {$1100.00} in addition to my {$10.00} bill. 

After filing a dispute with the bank the next day, I was informed that I would need to provide proof of my original {$10.00}. I explained that I lost the receipt from that night and was told to contact the restaurant for a duplicate receipt. After several conversations with the restaurant manager, I was told that he no longer had a copy of the receipt and would have to " get back to me. " After XXXX months of calling the manager, it was clear that he was not taking my request seriously. I contacted PNC Bank to inform them about the situation and ask them to help me by contacting the restaurant directly. XXXX XXXX, the woman handling my dispute, told me that they would try contacting the restaurant but if they could not get the proof they needed, I would be responsible for the charges. 

To date PNC bank, has done nothing to assist me in resolving the issue with this fraudulent charge and has deemed me responsible for the {$1100.00} charge. I have since spoken with the manager of the restaurant and he is still " checking on the matter. '' He also denies receiving any communication from PNC Bank. 

As a loyal customer of PNC Bank, I have entrusted my money to this bank believing that if anything misfortune occurred that they would do everything in their power to assist me in protecting my money. I never imagined that if a fraudulent charged ever occurred that I would have to become a private detective and investigate the matter on my own. PNC bank has neglected their responsibilities as a financial institution and should be held accountable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: OH
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 not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -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 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 2018-05-27
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed with the company on XX/XX/XXXX I show that the company received my disputes on XX/XX/XXXX. According to certified mail notifications. I submitted an additional dispute on XX/XX/XXXX and show that it was received on XX/XX/XXXX. it is now XX/XX/XXXX and have still not heard back from the company from my request. The FCRA gives the company 30 days to respond with info requested and I have not gotten the info i requested or response about when I will

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: DISCOVER BANK
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-12
Company: BB&T CORPORATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
BB & T is using 365 days this year to calculate their interest on my HELOC ( interest only ) loan with them. I believe 366 days should be used in the calculation. The use of 365 increases the actual interest rate charged above the actual interest rate agreed to and advertised. I contacted BB & T about this and have not received a response.

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 2022-02-05
Company: Cade Investments LLC
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
c.k. withdrawal got access to my checking account,, ive never heard of this company or done any business with them, they took XXXX dollars from my account.,,,,, My bank name is XXXX XXXX in XXXX mississippi

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Select Portfolio Servicing , inc, employee XXXX XXXX has threatened to seize Property at XXXX XXXX XXXX, XXXX, PA XXXX without cause. This company has also failed to validate any debt owed on the property. I XXXX XXXX, President of XXXX XXXX settled Debt and Civil claim of the Property with the original servicer XXXX, terms settled under the Mines and Minerals Act.

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 2017-04-28
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX  I received the first call, I asked them not to call me at work, they continued and my  manager  even had to speak with them to let them know that I could n't receive calls at work but he continued to call saying he was an attorney at a legal office. So I put the request in writing and faxed and mailed over the cease and desist calls. The calls are now back as of  XXXX   XXXX   XXXX ,  two  calls back to back to my employer  XXXX  and  XXXX  and then my cell phone at  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
Wels Fargo ripped me off for {$7.00} to cash a {$200.00} check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: KEYCORP
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called this company to returned voluntary the car XXXX XXXX XXXX  because I could not pay at the moment for health issues then to avoid problems with this company I decided return it. The key bank picked up the car in my residency XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX. After that I called them and they informed me that the car was sold and the totally cost of the debt was totally cover. Then I received the last bill with the balance {$0.00} dollars. After all two months later I received another bill from another location of KeyBank in the state of New York that I have to pay the totally cost of the car. I called them and they told me I have to pay and I began pay about six months but they pushing me that I have to pay the totally cost of this debt. Then I asked for the real documentation that they told me that they have that I signed that I am responsible for this debt. I requested that send to me at my address. I never received nothing so they reported in my credit the debt but they didn't reported the payment that I made. I want an investigation of this because I have the proof that the balance of this debt is {$0.00} dollars. Now the balance is {$12000.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Atlanticus Services Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
account had fraudulent activity and I was not found liable for the {$500.00}. However 1 year later a charge off for the {$500.00} was put on my credit. called the creditor on XX/XX/2021 and was advised that it would be removed. called again on XX/XX/2021 and was told the same thing. I still have an open account with creditor. How can I have a charged off account and still have an active account. Nothing was charged off, I'm still using and paying on account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
We have been dealing with SPS now for 2 years. We financed a mortgage with XXXX XXXX back in XXXX. There was fraudulent documents used in the closing and was proven to be by banking commission then XXXX bought them and could care less about the fraud than XXXX purchased the loan which they have given to SPS. We have tried numerous times to work this out with every mortgage company switching hands. I did my own appraisal sent it to XXXX and SPS. We have people coming not stop and even at night to leave SPS pamphlets on our door knob and to take picture of our house on our property. SPS has hired a lawyer contacting us trying to foreclose on us even though we were never served papers. I have a minor in the house and the last person that came we called the police and filed a report. Who are these people? How can they try and pursue any thing when SPS does n't own our mortgage and XXXX and SPS does not respond to any letter asking them for a list of questions and concerns concerning our mortgage. Also SPS would not reveal who they were if they were servicing the loan, debt collectors or bought the mortgage from XXXX. All request to XXXX and SPS are sent certified and signature return so I can prove we are doing our part. We have undeniable proof the there was illegal and fraudulent practice involved in making this loan and Banking commission confirmed it in their investigation. I am tired of the threats and living in fear with one of these people coming to the house with my son in the home. There are so many complaints with SPS. They should be held accountable for their actions along with any bank using them. This has been going on with XXXX since XX/XX/XXXX. Thank you for any help and God Bless

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/XXXX I made a purchase of {$1100.00} at best buy using the bestbuy credit card issued by XXXX. The purchase was made through a promotion of of 0 % deferred interest for 2 years. 
I continued to use this account for other transactions and made another purchase for {$650.00} through an 18 month 0 % deferred interest offer on XX/XX/XXXX. 

I continued to make payments on the promotional offers and told citigroup verbally over the phone on XX/XX/XXXX and in writing by registered letter on XX/XX/XXXX that I wanted my payments to go directly to the 0 % promotional offers. 

On XX/XX/XXXX, I was hit with an interest charge of {$800.00} for the XX/XX/XXXX purchase even though the balance was ALL PAID OFF. 

On XX/XX/XXXX I was hit with another interest charge of {$280.00} for the XX/XX/XXXX purchase even though again the balance on that charge was entirely paid off. 

In XX/XX/XXXX I contacted Citi to address the charges and requested that they be reversed. They indicated that nothing could be done about the matter and that it would have to be escalated to a manager. Unfortunately, I over the next several months I had to deal with covid-related family emergencies and wasn't able to take up this issue again until XX/XX/XXXX. 
In XXXX I spoke with a representative and two manageXXXX who again declined to address the matter in a fair and honest manner. In fact they refused to do anything to address the matter.

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 2015-08-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We have been working with our mortgage lender, Select Portfolio Servicing Inc. XXXX SPS XXXX, to get a loan modification since XXXX of 2014, unfortunately we have been denied twice. Since I was laid off of work in XXXX of last year, we applied to Keep your Home California ( KYHC ), only to find out that we did not qualify because they stated that SPS told them that we were approved for their Unemployment Assistant Program. I called SPS and they assure us that we where approved for the unemployment program, and to wait for " the letter '', this was back in XXXX of this year. Since then I have called every week and spoken to multiple representatives who have contradicted themselves over this issue. We lost assistance from KYHC because SPS claimed we were approved, then we were told that we were not approved that it was still pending, one of the supervisors said that in the computer notes it showed that we were told that we were approved without confirmation by the loan resolution department, when I asked to talk to that department, they said that they do not talk to clients directly. Last time I called a supervisor told me that he would escalate our case and we should have a definite answer by this Friday, that someone from the resolution department would contact us. I am soooo upset because we lost 2 months of assistance from either of the programs.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, I am levying this complaint against SPS ( Select Portfolio Servicing ), as they are a loan servicer apparently acting on behalf of my actual note holder, in which they keep secret. 
My wife and I are in a state of stagnation with SPS, we have been pushing for a loan modification with SPS since XXXX 2016, we have been more than compliant. 
We have submitted every document they asked for multiple times. 
SPS has engaged in a relentless and classic form of stonewalling, and as they do so they are causing a serious financial dilemma for my family, as we have only been able to afford to pay the principle and interest. Here 's the scenario ; they 'll ask for a document, telling us that this is the last document they need, we always comply, then we here nothing, they go dormant. we contact them asking for the status of the modification, they 'll ask for some document they already received from us. 
SPS has a team of phone answering personnel who run interference for the so called underwriters, whom they claim are the problem ... they will never let us speak to the underwriters, Never! 
I have literally begged them for an viable answer, they know were sinking fast, so there must some sort benefit for them not to comply with us. Please help! I know we ca n't fight them alone, And I know we wo n't last like this. 
Currently with the payment were making the escrow is not being met, and its getting worse. I told this to SPS, they usually reply ; sorry ... 
PLEASE HELP US..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The credit bureaus were not able to provide any form of documentation to verify this specific account with me. I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These creditors have had 330 days ) and ( 4 dispute letters sent ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. 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 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 disputed with the credit bureaus, telling them I was a victim of identity theft and that these accounts are not mine, therefore it should be removed. But I never received a response, it has been 60 days since then. Please 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
Consumer complaint received 2021-10-07
Company: MoneyLion Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
On XX/XX/XXXX I notice 2 charges of XXXX. I notice another change of XXXX on XX/XX/XXXX. A seperate account has been created in the money lion app. My dispute has not been handled and its been almost a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Call my workplace at least XXXX a day after I have told them that I can not have calls at work. They have not identified the name of the company where they are calling from, so I only have a telephone number.

Company response to consumer: Closed with explanation