BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-04
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
PNC Bank is fraudulently claiming a member of XXXX XXXX XXXX XXXX made an intentional unlawful withdrawal on a checking account that never happened. When they were notified on multiple occasions of the erroneous application of the charge for withdrawal to the XXXX checking account. The transaction was in fact executed for the withdrawal of {$500.00} against XXXX XXXX XXXX XXXX 's open business line of credit approved the day of, in person, at the local branch office. PNC was informed the repayment for the withdrawal of {$500.00} would be made as per the terms of the business credit line agreement as historically exercised since its open in 2005 ( at the time the withdrawal was made no notice was given of any denial, changes, extraordinary conditions or requirements, nor subordinate rules or procedures initiating as a result, apart or in addition to the terms of the business line of credit in good standing ). 

We believe, in retaliation, and to harm XXXX XXXX XXXX XXXX financially by refusing to correctly account for the withdrawal being made to our open business line of credit, and to negatively harm our credit standing, PNC bank has elected to communicate a materially fraudulent claim to a third party credit collection service and has refused to correctly account for the true nature of the transaction in dispute. We have stated the amount outstanding will be diligently paid under the credit terms existing at the time of the withdrawal of funds. Furthermore, by deceptive accounting of the transaction, libelous claim and potential sale to the third party credit collection agency, along with the additional claim of fees and penalties accruing, PNC is seeking to fraudulently enrich itself at the expense of XXXX XXXX XXXX XXXX, as well as needlessly harm its reputation and credit worthiness.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-14
Company: PNC Bank N.A.
State: KS
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We had an equity loan with PNC which was paid off thru a fraudulent foreclosure they put us thru. We were evicted and no longer live in the house this complaint is in regards to. I received today a change of address to our new house. " It states for security reasons we are sending this letter to the old address on file. Please notify us immediately at PNC if you did not request an address change. '' I immediately at the number given on the letter. I was transferred to XXXX different departments. Not one of them could answer my question as to why an address change was generated when I never requested one. I find this deplorable and also wonder what else they are doing. This is wrong is so many ways. One of the departments showed my account inactive but still showed a balance? Copy of the address change attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I am the LEGAL DURABLE POWER OF ATTORNEY for my mother and have this documented with PNC bank where my mom had a revolving equity loan line of credit. My mother had a XXXX last year.I had complained to CFPB about national City/PNC harassing myself and mom with sending statements to her and she was very upset. It was also upsetting me and I am very XXXX. My husband who is a XXXX veteran was also upset. I got a letter stating that they would stop. I, my husband and My mother was not to be upset. She is XXXX & widowed with a XXXX XXXX. I am XXXX XXXX and also have several medical problems and can not be upset. I was hospitalized with XXXX XX/XX/2016 shortly after receiving another statement. The statements continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: PNC Bank N.A.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Regarding PNC Acct. No. XXXX. 

The purpose of this complaint is to compel PNC to delete the XX/XX/XXXX payment information currently reported by XXXX and XXXX regarding the above-mentioned account. 

Based upon data provided by PNC Bank, XXXX and XXXX currently report that the XX/XX/XXXX payment of the account greater than 30 days past due ; however, PNC Bank 's website reported a payment was scheduled to be made within 30 days of the XX/XX/XXXX due date. 

By default, PNC 's website displays a false " Next Scheduled Payment, '' which reports a false payment amount and false payment date, each and every month that a balance is due. 
By way of example, the attached Line of Credit Account Statement states that a payment of {$45.00} is due on XX/XX/XXXX. A screenshot of my account on XX/XX/XXXX states " Next Scheduled Payment : {$90.00} XX/XX/XXXX '' However, no payment was made on XX/XX/XXXX. 
I called PNC Bank 's customer service number on XX/XX/XXXX and spoke with a representative named XXXX, who stated that the XX/XX/XXXX payment being reported on PNC Bank 's website was an error. I also spoke to his XXXX, XXXX, who also confirmed that the payment being reported for XX/XX/XXXX was an error, and confirmed that the website contained an error. 

During the month of XX/XX/XXXX the website reported in the " Next Scheduled Payment '' field, that a payment in the amount of {$230.00} was scheduled to be made on XX/XX/XXXX, when in fact NO such payment was scheduled. 

PNC 's website contains an error, which is fraudulent and misleading. I relied upon the information provided on PNC 's website and did not take additional steps to satisfy the payment due in XX/XX/XXXX. As a result, PNC should delete the XX/XX/XXXX payment information with the XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: ONLINE Information Services, Inc.
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 was paid

Complaint:
I was put into collection for a utility bill that was not mine. I notified them in writing and by phone and they reported it to the credit bureaus in spit of that notification. They used that as a tool for force me to pay the outstanding amount in order to have it removed from my credit reports. I paid the amount in full and they have refused to remove it from my reports and will only report it as " Paid ''. They used deceptive promises ( which they recorded ) to get me to pay a debt that was not mine and then have refused to remove it from the credit reports as they assured.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-23
Company: I.Q. DATA INTERNATIONAL, INC.
State: IN
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:
IQ Data International has not provided validation of a debt as requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have submitted several disputes about the current payment status of " XXXX or more past due '' on XXXX accounts with Equifax and they always come back as confirmed with creditor. The XXXX account was settled in 2012, and the XXXX XXXX XXXX account was transferred over a year ago. XXXX creditors say the status is incorrect but they can not change it. How can accounts be closed with zero balance and also be 120+ days past due at the same time?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: PNC Bank N.A.
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter stating the servicing of my mortgage is being transferred effective XX/XX/2016. My problem with this is I did not receive in writing until XX/XX/2016 ( 19days ) from current servicer and XX/XX/2016 ( 12 days ) from new servicer. I am currently set with biweekly drafts which will be ending XX/XX/XXXX, .... I called new service provider and explained my set up in which I am comfortable with. They informed me that I would have to repeat process of making 2 payments in one month in order to continue the biweekly draft because their system is not set up to collect half payments. This puts a bind on me and my family and undo XXXX. I really need help with this because too stay at the status I 've created will cost more money and that is not fair to a loyal consumers. Who make their payments.

Company response to consumer: Closed
Consumer complaint received 2016-01-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have several accounts listed with you that are fraudulent some of these companies such as pmab llc acct # XXXX have said they are removing these items as fraud as my idenity has been stolen but your credit reporting company has refused to remove it as such i have filed a fraud affidavit of identity theft and police report notarized the report also includes the email in which it was sent electronically with the named accounts that need to be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-09
Company: CNG FINANCIAL CORPORATION
State: MO
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
On XXXX XXXX, 2016, I started a new job after being out of work for 3months. I paid {$1000.00} up front on XXXX XXXX, 2016 on my account to cover payments in between that time. I called the store daily, weekly, informing them of my situation. Talked to an associate, told them about the new job and changes to my paydays from bi-weekly to the XXXX and the last day of the month. On XXXX XXXX, 2016, two ( 2 ) payments were taken out on the same day even though we agreed on one ( 1 ) payment, but took out two ( 2 ) payments anyway. On XXXX XXXX, 2016, I went into the store and made a payment and told them again, that my paydays had changed to the XXXX and the last day of the month and please make this payment reflect on my account my payday change, again, I made this payment in person and talked face-to-face with an associate. At that time, the associate in store told me that my account was in good standing, and current, and that no additional monies would be taken out, but for me to come in on XXXX XXXX, 2016 with my paycheck stubs and she would take care of it. On XXXX XXXX, 2016, five ( 5 ) days later, another payment was taken from my account, which caused my account to be overdrawn, with a negative balance of {$450.00} and some change. I called the store about this the same day it happened and was told to come in with my paycheck stubs. I went into the store as instructed by the associate, and was told there was nothing she could do. She was sorry, she thought she could do something, but there was nothing she could do about it. I asked, " what if I call corporate myself '', she then said that their corporate office would n't help me either and probably wo n't even talk to me. She said if there 's money to be gotten, they 're gon na take it, no matter the circumstance or situation of their customer. 
I was not, and, am not trying to get out of my obligation to repay my loan. I took out this loan in good faith and they have been getting there money on time as agreed. The really sad part about all of this is that I have maintained communication with the loan company the entire time, I mean constant communication. But these companies, in no way, try and help during hard times, specifically when your in between jobs, as though your life does n't matter. I was told by an associate at the store locaton they did help me by giving me the loan, and it does n't matter what you 're going through, they want their money and will get/take it, by any means necessary

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: MS
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 Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2015-12-14
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them XXXX. A man named XXXX XXXX is calling me stating that I have to appear in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
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.Q Data International has incorrectly reported a debt that is affecting my credit score. The company has not taken my side of the dispute into account or the fact that the Texas Property Code Chapter 92 allows me to terminate my lease without penalty. The company is blatantly ignoring the law, Texas Property Code Chapter 92, in order to forcibly collect a debt that is not owed. The only verification they have provided about the debt is the account information from XXXX XXXX XXXX, which does not validate the accuracy of the debt. I am still receiving notification stating that I owe the debt even though the law states otherwise. 

This is my second complaint against the IQ Data International submitted to the Financial Protection Agency. My first complaint is referenced in case number XXXX where I provided all the background information regarding situation between the XXXX XXXX Apartments and I, and the incidents that transpired between IQ Data International and I on the first debt notification. 

Additionally, IQ Data International has failed to provide the below request information : 1 ) The date the debt was transferred from the original creditor to the third party debt collector 2 ) Proof of my agreement to pay the original creditor ; 3 ) Surety bond information As stated by the Texas Finance Code Section 392.202, a debt collection agency or credit bureau is required to provide the alleged debtor with specific information concerning their debt including but not limited to the above mentioned information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX party debt collector, calling for Calvary Portfolio which is also another debt collector that purchased an old debt that the statute of limitiation has expired. I called them and told them to stop calling. The individual was very rude and argued with me that the debt was still good. Also stated that they would continue to contact and call me. The debt that Calvary purchased has been added as a derogatory debt on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
After getting a notification from XXXX about this debt approximately XXXX, I immediately notified them that this debt was an error of some type. XXXX worked with me to get this resolved and " XXXX '' out the debt. They and myself also contacted Merchants Credit to do the same. After contacting them I was told by a supervisor at Merchant Credit that they had received the notice from XXXX on XXXX/XXXX/16 but could not update with XXXX. was told if they call they would tell XXXX to cease reporting. I informed XXXX XXXX that since this was pulled from them by XXXX they should contact the credit bureau immediately to correct the error. Since they are not willing to do so I informed him I would be contacting CFPB to file a complaint. Although Supervisor XXXX was very nice he was not willing to contact XXXX to fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: U.S. BANCORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently pulled my XXXX, XXXX and XXXX credit files to be startled. I came across this company that views my credit file twice on the same day. I never authorized them to look at it once, especially twice. Im guessing XX/XX/XXXX  is their lucky day or decided to try it for a second time. I never gave them permission to look at my personal file.

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 2017-01-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have XXXX student loans with Navient/XXXX. I have just heard of the lawsuit that has been brought against this company. I am not sure what is going on with my loans, but I need help. I graduated in XX/XX/XXXX. I do know that I reconsolidated once and then at one time my loans were frozen ( for one semester ) while I completed XXXX in XX/XX/XXXX. However, it appears that the amount I have paid, the majority goes to interest. As you can see from the XXXX attached statements of my account, the current balances are n't much less than the original principal amounts of the loans which were issued in XX/XX/XXXX. I am not sure what 's going on. I have been seeing money go out on a monthly basis and no progress made, which is usually around {$260.00} per month. The majority of this payment goes to interest, leaving the principal almost untouched. Navient does not give the option to pay more than what they request on their website, and I feel that something is wrong with my account and how Navient/XXXX has handled it. I question it further now, seeing as the lawsuit against them has just come to light with the complaint of very similar issues. I have been told by Navient that these loans were to be paid off in 10 years. There 's no way. I graduated 9 years ago and the payoff date listed on the account is XX/XX/XXXX??? Somehow I still have 8 more years?? Something does n't add up here. I need help. There is no way that with the payments I 've made, and the interest they 've charged, that these loans will be paid off by that time. I have made almost no progress on these loans and have been charged so much interest, my balance is just now getting below the principal amounts. Please help me. I feel that this company is robbing myself and XXXX others blind.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls back to back without leaving a message identifying who they are. Have had 5 or more calls to my phone in one day. Called me multiple times even after I set up a payment to resolve the debt and insisted I use a different form of payment for faster processing. The rep XXXX and her supervisor XXXX demanded payment from me during initial Contact before I received a first notice and over shadowed my right to validate or dispute the debt within 30 days. Threatened to report to my credit if I did n't pay within the first 30 days of debt being in collections. Both people I spoke to were rude and cut me off every time i tried to speak, they tried to make me feel stupid about my rights and hung up on me multiple times. There were several calls where XXXX and XXXX did not advise me the call was recorded or verify if I was the correct person on the phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have repeatedly ask Navient to allow me to make smaller payments that fit within my budget. I make less then {$20000.00}. However, they tell me that will only accept certain payment terms as set by them. It usually works out to about $ XXXX+/month which is most of my monthly salary. They have not allowed me to file for a forbearance. They also demand automatic payment withdrawals of the payment directly from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
For the second time in less then a year, Bank of America has cashed my personal check payment for my RV loan for {$420.00}, but only credited my account with {$360.00}. My monthly payment is {$360.00}, but I always pay extra, clearly marking it on their payment voucher. This time I paid {$60.00} extra on my loan. I have the cashed check photo copies from my credit union. I also feel this is due to huge internal problems at this bank and is systemic. There could be XXXX other people having the same thing done to them who are not catching this. Additionally, it is not possible to email Bank of America ; only private messaging through their website where there is no written trail of correspondence. When trying to phone them, you wait on hold for up to XXXX minutes and are hung up on.

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