BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-12
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX, I experienced a loss of employment and was forced to put my home on the market, as I could no longer afford it. I ended up having to do a short sale on the home, and it was approved by my mortgage companies. My XXXX mortgage was completely resolved with the proceeds from the sale. However, soon after, I was notified by PNC Bank that my home equity line of credit was not completely resolved. They told me that a balance was still owed. I immediately resumed payments on this account, and have made consistent, monthly payments on this account for well over three years now. It recently came to my attention that PNC Bank is reporting this account as a collection account! Despite three and a half years of loyal, timely payments, they are reporting this account as a collection account. Additionally, I have discovered that they are re-setting my date of last activity every time I make a payment. So instead of reporting the date of last activity as the date they put the account in collections, they continue to re-set that date monthly. I can only assume that they are doing this to perpetuate the seven years they can continue to report this debt on my credit report. My credit is not perfect, but this situation is having a devastating effect on my overall credit rating. I have contacted PNC Bank about this situation on numerous occasions, but they offer no resolution. There were XXXX different avenues I could have taken about this matter when the short-sale occurred. I could have just let the account go, and stopped making payments. After all, I no longer lived in the house. However, I decided to do the honorable thing, and continue to make loyal payments to this debt. In my opinion, PNC Bank has literally punished me for doing the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: Carvana Group, LLC
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XXXX/XXXX/16 started the process of purchasing a vehicle from Carvana on a referral from a friend. Found there website easy to navigate thru and great selection of vehicles. Went to the process of esigning all of the documents. Was given a date to which to pickup the vehicle at the XXXX XXXX. We we 're excited as the whole XXXX concept intrigued us and something we can share with the family. On XXXX got a call from there Customer Advocate informing me that they would be furnishing us the loan because of what theu called discrepancies in my application. The same information was used to purchase my fiances vehicle and also to enter into a home loan purchase so was astounded to be told they would n't be doing the loan. Not sure why we get all the documents like purchasing agreement and buyer 's guide only to be told no. Also i entered our bank routing and account number which worries us that it 's just sitting in there system. I found there Customer Advocate to be extremely friendly and helped answer all my questions that we had prior to making the decision to purchase a vehicle from Carvana. There UW i found to be condescending extremely rude and heartless just calls says we ca n't help you. Did not nor would not give us the opportunity to correct any errors we might have made if there was

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-24
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  X/2016  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I was in the middle of a divorce and it was my understanding that my ex-husband would be taking care of these payment as per our divorce decree.

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 2016-10-04
Company: PNC Bank N.A.
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
My line of credit was being modified in XXXX of 2016. The modification was complete on or about XXXX, 2016. During this period I made payments. My bank - PNC Corp however reported that I did not pay and that my loan - line of credit was delinquent. I reported this to the credit reporting agency as well as PNC bank. So far it has not been resolved as I have gotten the run around by PNC transfered to several people then back to XXXX XXXX, PNC bank rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: MARINER FINANCE, LLC
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
It happened around first week of XXXX 2015. I got a call from a finance company saying they send me a check for XXXX dollars in the mail and it got cashed. I told him I never applied any loan with you guys. He replied they send me a check without applying and they do it all the time but this is the first time it got cashed. So I told him maybe somebody did some fraud to me and asked what should I do now. I went their next day talked with them then reported to the police. next day I went there again signed the affidavit to investigate the fraud through the bank. I did my part as per they said. After that I did not hear nothing from them. Yesterday I checked my credit and now its showing up on my credit and ruining it. I went there yesterday again and asked them about the status of the case which they say is still not resolved and told me they ca n't remove it from my credit. I did not understand many things in this case. How can I be liable for something which I didnot even know of? How can they send a real check in mail without notice or without applying? How the check on my name got cashed without my signature and identification? Now I feel I got scammed and I need help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Nelnet, Inc.
State: WA
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:
On Friday, XX/XX/XXXX, I contacted Great Lakes after receiving news of XXXX 's Loan Forgiveness. I saw on the XXXX XXXX XXXX website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but they weren't even sure when the refunds will be reflected on my account. I meet the income requirement so I am eligible for $ XXXX forgiveness. Throughout the pandemic I paid around $ XXXX in payments. 

What's worrying me is that the application for forgiveness starts soon and Great Lakes won't be processing any of these in time for me to receive forgiveness. They stated that our loan balances won't be reinstated until the refund is processed. Them not even knowing their own time frame of when I can see my refund back into my account concerns me that I will not get forgiveness for the amount I paid during the pandemic. 

Great Lakes can not send out confirmation emails or anything to prove that they indeed did send in our request. Seeing other people 's loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that Great Lakes does not have our best interests at heart.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
On XXXX used Paypal to send XXXX Euros ( EUR ) to a package forwarding company in XXXX called XXXX, to have them forward to me three Video Cassette Recorders ( VCR ) from XXXX. During shipment with XXXX one of the VCRs  became damaged. 

XXXX agreed to issue a damage claim payment to XXXX, in the amount of XXXX EUR. On XXXX XXXX refunded via Paypal XXXX EUR to my paypal account associated with email address XXXX. 

During prior verbal chats with Paypal agents, they told me that when merchants issue refunds, there should be no fees assessed to me as the receiver of a refund. 

For Paypal transaction ID XXXX, which is the transaction for a XXXX EUR refund from XXXX, Paypal assessed a XXXX XXXX fee, an action which runs counter to what their agents recently told me over the phone. 

For Paypal transaction ID XXXX, I was not the seller of the a product. I am not shipping anything to XXXX  for that transaction. Instead, I am the receiver of a refund in the amount of XXXX EUR, a refund in connection with earlier XXXX Paypal transaction XXXX. 

On XXXX I requested that Paypal remove their XXXX EUR fee from the XXXX EUR refund received from XXXX, via a chat session on their website. Paypal did not respond to my request in a timely manner, and so I decided to escalate the issue. 

I request that Paypal remove their XXXX EUR fee from the XXXX EUR refund received from XXXX  ( paypal transaction reference XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10
Company: EQUIFAX, INC.
State: WI
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 am a victim of the breech and also a victim of identity theft. before the breech. I need these hard inquires removed because I have no knowledge of these. I did n't inquire for accounts with them. I would like these to be removed from my reports. 

XXXX XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Control Corp is reporting negative information on my file for # XXXX from XXXX XXXX. I called XXXX XXXX and gave them my name social date of birth they said i donot owe them anything. called credit control corp and they said they dont know what it is and when it occurred. credit control corp never send me any written notice before or after putting on my credit files. i have called and requested them to provide me any bills any signed copy or any documents to prove this debt. i have disputed this with credit reporting agencies but credit control corp simply verify this as correct information and refuse to take it off. on top of all this they are reporting three totally different information about this account to these three reporting agencies. Dispite many many letters and phone calls this wrong information still shows on my file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Rocket Mortgage, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
While talking to a mortga ge specialist on the phone from Quicken Loa ns we were interrupted by his supervisor. He proceeded to quote me a rate of 3.75 %, and was asking for my credit card #. I was not willing to engage without this being in writing. He did not inform me that this rate also had  XXXX  points for {$3400.00}. This is not acceptable to me an d may be fr aud. After complaining to this supervisor for failing to inform me about the points, the discussion became heated. I asked to speak to his supvervisor who told me this was not intentional. If not for me asking I would have been charged to proceed with a transaction that was verbal, and at no time was I informed what I was paying for. Their solution to this issue was to apologize several times, and to offer me a {$500.00} voucher for any future business I do with these glorified used car salesman. This also is not acceptable to me. I look forward to hearing from you on this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I signed up for a XXXX XXXX XXXX XXXX XXXX credit card with US Bank that had an enrollment bonus of XXXX points after making {$3500.00} in purchases. After completing this {$3500.00} spend, I only received a XXXX point bonus. I would like the full amount as advertised and agreed upon prior to my application. 

I confirmed the enrollment bonus with a rep on the phone after I received the physical card. 

There is a lower level card available from US Bank that only gives XXXX points, but I confirmed with the rep that my account was the XXXX Signature version, which should be awarded XXXX. 

I emailed on XXXX and XXXX, and called on XXXX, but this issue has not been resolved yet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-10
Company: EQUIFAX, INC.
State: TX
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 # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX OF MO # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
account is stating inaccurate reporting account open as XX/XX/XXXX with Account type as OPEN, I XXXX detail as COLLECTION and Account status as DEROGATORY with a {$410.00} and XXXX late. Yet, Reporting date last payment as XX/XX/XXXX while payment history is reporting payments all the way from XX/XX/XXXX to XX/XX/XXXX being OK as agreed. This makes no sense with date last payment. There is no way account can be all of the above at the same time. Now, there is no possible way that account was first reporting date of last payment way before account was even open. Account is currently reporting OK as agree all the way from XX/XX/XXXX to XX/XX/XXXX with charge off XX/XX/XXXX still reporting account being opened with comments of collection account with the same balance of {$410.00} there is no way that account can still be reporting payments up to XX/XX/XXXX and balance continues being the same. if information was to be right there should be no balance at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: LENDER LIVE
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The company servicing my mortgage loan switched about 9 months ago. According to the current servicing company ; lender live ; notices of the transfer and two missed payments were sent to my address on file. The address was that of the house under the loan and not the house I live at. I never received the notices or any notice from lender live. As a result my payments continued to be sent to the previous service company for two months because it was set to auto pay from my bank. During this time lender live proceeded to report these a delinquencies on both my ex-wife and my credit report. When I noticed that the checks were not being cashed I immediately contacted the previous service provider and they explained the loan had been transferred to lender live. I contacted lender live to determine if the payments had been forwarded and they indicated they had not received any payments. I explained the situation, sent them proof that the payments had been sent to the previous service provider, paid the balance due and lender live opened an internal investigation. According to multiple conversations with various lender live representatives the investigation was concluded and according to the representatives lender live was going to correct credit reports. After following up on multiple occasions over several months lender live had still not corrected the reports and would not return my calls. I filed a complaint with the XXXX and received a response from lender live indicating they " were not '' going to correct the credit reports even though I had been told that they would. I then requested all documentation concerning my account and the interactions concerning this matter and lender live responded that they would not provide the information because it was " proprietary ''. I have also filed a complaint with the FTC. The reported delinquencies could have a very real affect on my personal finances, my job and it has just recently prevented my ex-wife from being able to qualify for a mortgage on what would be her first home that she intended to purchase on her own. I can provide any all documentation I have, including the bank statements, proof of payment, credit report, XXXX complaint and responses, and FTC complaint. Please let me know if there 's anything I can do at this point. Thank you for your time and attention.

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 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX XXXX XX/XX/XXXX amount, XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX States Account is closed and paid in full yet, still reporting on my credit report which is also a violation of my consumer rights. 


As-well as the removal of these inquiry of my credit report. as these have violated my rights of 15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Automobile Dealers , Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX Credit Unions Inquiry date XXXX XXXX XXXX XXXX XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Bank Credit Cards Inquiry date XXXX XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions

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 2022-08-25
Company: MoneyLion Inc.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received a deposit from Fsa and on XX/XX/2022 I noticed that there were 4 virtual card purchases on XX/XX/2022 for {$640.00} {$700.00}, {$990.00} and {$990.00} which took all of my money and I did not do these they say XXXX XXXX which I have no idea what this is so I called and filed disputes on all of them amd I just received this which has me so upset its not funny Date Description Amount Disputed Amount XX/XX/2022 XXXX XXXX, XXXX XXXXXXXX XXXX  {$990.00} {$990.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX {$990.00} {$990.00} XX/XX/2022 XXXX XXXXXXXX, XXXX XXXX, XXXX  {$700.00} {$700.00} XX/XX/2022 XXXX XXXX, XXXX XXXX, XXXX {$640.00} {$640.00} We have thoroughly investigated your claim and determined that no error has occurred. 

This notice serves as final resolution of your claim. You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents or have further questions, please look for the contact information on the back of your card. 

Thank you for giving us the opportunity to serve you. We appreciate your business and the confidence you have placed in us. If we can be of further assistance, please look for the contact information on the back of your card as we would be happy to assist you further. 

The institution is moneylion and I wrote them and told them that if they would look at the IP address they would clearly be able to see that I did not do this.

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 2022-12-14
Company: EQUIFAX, INC.
State: VA
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 have submitted multiple disputes regarding these accounts that DO NOT BELONG TO ME and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Received the following text although I do not bank with Wells Fargo. Seems and obvious phishing attempt and should be stopped. Text from XXXX ( XXXX ) XXXX. 

WellsFargo : Debit Alert. AcXXXX Blocked Due To Recent Trans. Visit www.wells-groups.com/? wf To Remove BIock

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