BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-16
Company: PNC Bank N.A.
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have had a checking account with PNC BANK for many years. I am a XXXX XXXX year old XXXX who has his social security XXXX pension deposited directly in my checking account. I have huge medication expenses and during this time of the year I sometimes overdraw my account. I have opted in for overdraft protection which I know will cost me a lot when I over draw. I have tried to open a savings account to protect me from these large charges but I am XXXX miles from the nearest branch and therefore PNC says I can not prove who I am as required by the Patriot act. They do n't like old people I think. In order to effect a better option for overdraft charges, which are killing me ( I am a XXXX XXXX patient ), I called the bank several times and they suggested that I apply for a PNC VISA CARD and opt to use the credit limit on the card to act as my overdraft protection. This I did and a PNC VISA credit card with a {$1000.00} credit limit was granted to me. I was told that this card would be used for my overdraft protection. They advised that my credit card limit would be used as my over draft protection, but I would incur a cash advance charge when that feature was used to comer my overdraft. I so agreed. I am XXXX and can not read with my XXXX ( XXXX which I do n't have at this time ), so I called the bank many times to assure myself that my overdraft protection up to my credit line was in effect.i was told it was. The bank erred the first few times I had an overdraft and they charged me about {$70.00} as I recall. I called them and they acknowledged their error, that being that my visa credit line was not attached to my checking account properly and they would do so immediately, and refund the charges. This worked for awhile and they would debit my Visa and charge me {$10.00} each time. I thought {$10.00} was too much as no one ever told me it would be that high. After awhile PNC again started charging me {$35.00} X XXXX every time I over drew. My check is only {$1700.00} so this really hurts. The bank knows of my low vision problem. This past month these charges amounted to over {$270.00} which I think is unlawful. I called them and that they reverse all the charges as I had more than {$600.00} of my credit left on my Visa. They refused. Please see if you can help me. Many thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-25
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This complaint is regarding the student loan company Nelnet... This is a spousal co-signor loan ... and thru the years it has been been spiraling out of control.. Between continual wrong information given by the representatives and applying for the wrong programs..it had been a financial nightmare for us.. 
I would like to have my wife removed as the cosigner.. She is a XXXX worker for 28 years and is entitled to Loan forgiveness through the PSLF program as a XXXX worker If the loans were separated into 2 loans.. she would be able to have her part forgiven. 
Also to note these loans were discontinued in 2004..no notifications was ever given to us.. 
XXXX XXXX XXXX XXXX are a nightmare as you can not consolidate to Direct loans I was denied this recently This loan was originally XXXX now its XXXX... now accruing XXXX $ in interest every month... We are both in our XXXX 's now.. senior citizens

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I dint authorize the hard inquiry on. my account with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
FCRA violations : accounts not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$11000.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Account charged off. {$37.00} FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX

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 2022-05-25
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been trying to pay my loan off to the XXXX XXXX XXXX for the last couple of years. I have called numerous times and constantly keep on getting that my loan has been sold to different debt collectors which keeps causing me to wait and once I get back in touch the loan is sold again to another collector I really need help because they are making it impossible for me to pay off my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

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 2016-08-30
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Im disputing information listed on my Early Warning report in regards to XXXX Acct # XXXX. Early Warning failed to accurately investigate said information and refused to removed invalid incident dated XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My credit score has been miscalculated and does not reflect my credit history. First, my credit history in starts in XXXX, when I received my first credit card. A fact that not mentioned in the credit reports. Second, my arrears with XXXX occurred because I had moved and had not known or received notices of the amount outstanding. I resolved that issue with XXXX in XXXX. Please update my credit score to reflect my credit history accurately. Thank you very much.

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 2017-05-01
Company: Professional Recovery Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over  one  year ago I began receiving voice mails from a company identifying themselves as  XXXX   XXXX   XXXX .  XXXX  day I was home when they called and I answered their call. A very rude young man claimed that I owed his company for shoes that I ordered but never paid for. I told him I had never heard of Mason until they started leaving messages on my answering machine and I had certainly never ordered shoes from them. The young man persisted and I told him that " this is a scam '' and I hung up on him.     The voice mails persisted, and some time later I was again home to answer their call. I nice young woman was on the line to whom I again explained that I did not order shoes from her company. After hearing my story she agreed that someone else must have used some of my personal information to order shoes, because the shoes were not shipped to my address. She offered to send me a " fraud '' package to fill out, disputing the claim so that  XXXX  could clear their records. I received the paperwork, filled it out and mailed it to  XXXX .     I few months later, I again started receiving collection voice mails from  XXXX  which I ignored. After many such calls, I angrily answered the phone and threatened to report the company to the authorities. After hearing my complaint, I was told that the paperwork I had filled out was never received and they would send me another set of forms to dispute their claim. I never received the second set of forms.     Recently I received another voice mail from  XXXX . A few days later, I received a statement from  XXXX  claiming I owed them {$450.00} - I had never received a statement or invoice from them before. In the same mail I received a notice from  Professional Recovery Consultants   ( a Collection Agency )  advising that  XXXX  had turned my account over to them for collection.     I am attaching copies of notices from both companies to this complaint.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: TriStar Finance, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2020 Mortgage application was made to TriStar Finance along with supporting documentation. 
XX/XX/2020 Loan estimate with rate and fees was sent to borrowers. Rate was locked. 
XX/XX/2020 ( According to lender XXXX Investor sent out adverse market fee notice on 0.5 % GSE fee. 
XX/XX/2020 A whole bunch of disclosures sent to borrowers, including the 0.5 % G fee, which was not communicated to borrowers at rate lock. 
XX/XX/2020 Emails and phone communication between borrowers and lender regarding the added G-fee. Loan application was cancelled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: FIRST REPUBLIC BANK
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hi, In the last 2 months, I have been looking to get a mortgage form the XXXX banks where I have an account : XXXX and First Republic Bank. After giving them all my datas and explanations ( down payment of $ XXXX- {$100000.00}, I have no debt, no school loan or such, good credit score, have been working with the same employer for the last 12 years, work contract signed for next year, letter from my Human Ressources ), etc ..., they still told me that I could n't qualify for a mortgage ( i 'm looking at a {$300000.00} loan ), because I 'm currently on a XXXX and therefore not receiving any paycheck. I told them that I felt discriminate and it 's the case. 
After some research online, I found a recent article concerning that discrimination : XXXX Again, I believe that none of the reasons they gave me make sense. Right now my rent is more expensive than if I had a mortgage to pay. Why would they let one of their client to pay a rent more expensive than a mortgage. Not very customer oriented for a bank. 

Please let me know if you have any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Resurgent Capital Services L.P.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  acct XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX acct XXXX has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was trying to make 1/2 a mortgage payment each time I got paid ( bi-weekly payments ) starting XXXX 2016. This was paying early, but I wanted to even out my bi-weekly budget and wanted the payment to come out early in the period. For payment due XX/XX/XXXX and late XX/XX/XXXX, I was paying 1/2 after XX/XX/XXXX the previous month, with the 2nd half paid after XX/XX/XXXX - so that the second payment would be received by the mortgage co. shortly after the XXXX. 

XX/XX/XXXX I got a call about being past due. I explained the situation and was told it would be fixed. I made an effort to pay 5 days later than I had been doing thinking that might help, but then I got a call XX/XX/XXXX saying I was past due. I agreed at that time I would not pay 1/2 payments anymore, and was told it would be resolved by XX/XX/XXXX. As of a late notice dated XX/XX/XXXX, I am late a full payment ( not just 1/2 ) as well as having late charges in the amount of {$99.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: PNC Bank N.A.
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In XXXX we applied for a line of credit with a credit union to consolidate some debts. Their search turned up XXXX line of credit loans with PNC bankXXXX XXXX XXXX XXXX old line that I thought had expired years ago. The other XXXX XXXX ) was a current line that was an active account. I called PNC customer service and was told to FAX a letter to remove the loans from the books. I decided to do these XXXX XXXX XXXX ) at a time so to avoid confusion. After hearing nothing more about the loan for two weeks, the PNC customer service person said it would take about ten days, I called again. The PNC customer service person said they never got my FAX and to resend the letter again which I did. About a week later I went to a local PNC branch office to talk to some XXXX in person about the issues I was having. While there I spoke with another PNC customer service person and she told me that the loan office had never received my second FAX. I sent another request to remove this loan from there and went home. When I got home the mail was in and with it was a letter from PNC that they had removed ( XXXX ) from the books. I was confused but happy, XXXX down XXXX more to go XXXX XXXX ). On XXXX I sent PNC the early termination fee and a message to clear and remove from the books line of credit ... XXXX. PNC 's Response was to FAX or mail a letter to them with this request so I mailed the request certified mail. In two weeks I called PNC again and was informed that they had not received my request. When I told them that I had a receipt stamped by their receiver the customer service person put me on hold and transferred me to another customer service person. This transferring me around took me through XXXX other operators. With the third XXXX I ended the call and told the operator that I was tired of being transferred around and would seek higher authority 's. 
I feel that this bank is trying to force me to stay with them by making getting a loan at another bank so difficult. And that I just give up and get the loan at PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Good morning, Last month i checked my credit report and noticed a few accounts that were unverifiable. I've submitted a 609 dispute letter to Experian regarding the issue. It has now been more than 30 days and i have not gotten any feedback. I would like to proceed and have these accounts cleared as to they are negatively affecting my credit.

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 2016-10-26
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been trying to communicate with XXXX and do not seem to be getting any clear answers as to why they are showing up and reporting derogatory information about me on my Early Warning Systems report. I am well aware that EWS was started by big banks, for big banks, and is funded by big banks, but FCRA rules do apply. This is my XXXX request for them to proove the account belongs to me by providing me something with my signautre on it or delete it. 

I do n't know why I must spend so many countless hours trying to correct this companies mistake, this is causing me a lot of stress. Since I can not get an answer from XXXX maybe Early Warning Systems can investigate and show that it conducted a proper investigation. Show me anything with my signature on it. I am holding EWS responsible since hey publish the information, which is inaccurate and does not belong to me since I ca n't get anywhere with XXXX. 

I am a XXXX XXXX citizen per attached. This specific mark is preventing me from obtaining in home care that I need after my car accident. 

Please do not call and communicate only by way of the CFPB portal or mail only.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I recently submitted a complaint against Regions Bank in regards to their illegal practice of changing transaction orders in an effort to charge more overdraft fees than would have been made had the original transaction order been kept. I have just received a letter in the mail from Regions Bank regarding this complaint. In this letter they say that they have reviewed our accounts and they can find no instance of an overdraft fee being charged on a day when the transaction would have been under {$5.00}. Therefore there was no bank error so they can not refund our money. Of course they ca n't find an instance of it happening because they changed the order of the transactions before they charged us the overdraft fees. I feel I am getting the same run around as I did when I contacted them before about this problem. They ca n't find a problem because they did such a good job at covering up what they were doing in the XXXX place. They will never find an instance of it bc they changed the transaction order. That is the problem. That practice is illegal. They have been fined and sued over that very practice already and yet here they are doing it again and getting away with it because they say they ca n't find a problem they created. Please help us! This bank is taking advantage of consumers ' trust and ruining our lives. Because of what this has done to our credit we can not get loans, financing etc. we struggle to get things we need to live a normal life and are harassed by collection calls in reference to the debt caused by this banks practices of changing transaction orders. We can not be the only ones they are doing this to. Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29
Company: Asset Recovery Group, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
medical bills of more than $ XXXX @ XXXX % ; my mail was not forwarded from an old address ; abusive call on XX/XX/XXXX from XXXX at XXXX XXXX, WA XXXX Very rude and threatening. 
I 've paid off all the debt, and need some form of written record of that. I requested this several times in XX/XX/XXXX, with no result. I have my CC receipts, but called them to request a record on XX/XX/XXXX " We ca n't do that '' After XXXX min. on the phone, they said it was going in the mail the next day, I have yet to receive anything.

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