BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-07
Company: PNC Bank N.A.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My husband and I purchased a car through a local XXXX dealership approximately XXXX XXXX years ago. We obtained financing through the dealership who elected PNC Bank to finance the transaction. At the time we had no objections ( and still do not with the terms/structure of the loan ). However, PNC 's policy, which was described by their representative as industry standard, is to automatically enroll borrowers in paperless billing for revolving loans. I 'm a millennial and have no issue with paperless accounts ; however, PNC bank has made it virtually impossible to gain access to the online account because:1 ) PNC Bank 's online banking system does not recognize car loan account information ( and the online account information was never mailed to my home ). 
2 ) The customer help line resulted in an hour and a half of cumulative wait periods. 
3 ) The only online help is available via XXXX. That 's right. XXXX twitter. 

Again, I 'm a millennial and am disgusted by the notion that I 'm subjected to 1.5 hours waiting online for customer assistance or the use of XXXX ( which by the way I tried this platform and could not be assisted via this platform ) simply to gain access to my loan information which should be provided, either via email or printed, to consumers, unless the borrower specifically opts into such a program to limit receipt of their statements. 

It is noteworthy, 2 months later my husband and I got another car, this time with financing provided by XXXX XXXX XXXX and I was NOT enrolled automatically in online statements. I have received a letter in the mail every month with my account information. 

Having access, regardless of being a revolving account, is critical for consumers to manage their accounts, debts, repayment plans, etc. For our account, we have been doubling our car payment and I truthfully, have no idea how much we owe on his loan. I was able to find out the information back in XXXX when I contacted PNC bank, but have subsequently misplaced my log-in information and have not been able to gain access to my accounts since. ( I asked at the time during the call for paper statements but was advised she could not make the change, I had to apply for the change via my online account ). 

Making it this difficult to gain access to loan statements is a significant disadvantage to the consumers. 

Thank you CFPB for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called and paid ccs on XXXX I was told they would remove from account. I disputed account with XXXX   and they said I still owed them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: AES/PHEAA
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I received credit monitoring alerts that my credit score was impacted at XXXX XXXX and XXXX due to remarks placed on my Fedloan Federal Student Loan accounts. I contacted all four parties involved and each are pointing the finger at the other party. My student loans are under a Nationwide Administrative Forbearance until XX/XX/2020 due to COVID-19. I called all four organization in XXXX and XXXX of 2020 and each month my credit score has dropped 26-27 points. This is unfair and I would like my credit score to go back to what is was prior to the remarks on my student loan account. I also do not want to have to contact them every month about my credit file being impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
So Im trying to get a loan my credit was atleast in the 600s while I was XXXX and now its dropped tremendously and I dont know how I havent done much but I tried to apply for a loan through navy fed on XXXX and one time for XXXX I guess it affects your credit but my credit is constantly dropping and I have no clue why I havent been late on payments or nothing and need to find out and maybe have some things removed I guess

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I received a letter from Capital One Auto Finance stating that I have to pay the full amount of XXXX are they will repose my vehicle. Earlier this year I called as well as emailed asking for an additional 6 months to pay for the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This credit bureau is reporting false information about me

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 2021-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Hi there. 
So I've been waiting for my XXXX money for over a year now and come to find out someone received my car somehow got all my information and was able to collect my cash each pay period and instantly go to a bank and cash it out. Me and my family have been broke waiting for this card to come while someone out there was spending it this whole time while we suffer. And I can't get bank of America to help refund any of my money nor will they help because to them I'm technically not a customer. Me and my family need this money and I only found out because I got a letter saying my information has been stolen from another company that I use. XXXX 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 2021-02-05
Company: U.S. BANCORP
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was supposed to receive a {$50.00} promotional credit for depositing {$2000.00} from XXXX XXXXXXXX XXXX. The {$50.00} was supposed to be credited no later than XXXX/XXXXXXXX. I have not received my promotional bonus despite the fact I was induced by their promise and met the promotional terms.

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 monetary relief
Consumer complaint received 2019-02-05
Company: Debt Recovery Solutions, LLC
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attached a copy of the Consumer Financial Protection Bureau order of XX/XX/2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the XX/XX/2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, XXXX  and XXXX XXXX respectfully. Since the XX/XX/2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Someone stole my personal information and identity and opened up a credit card account with Capital One Bank. The account is unauthorized and fraudulent and do not belong to me. Further, there are XXXX unauthorized and fraudulent inquiries from Capital One Bank listed on my XXXX XXXX, XXXX and XXXX credit report. I have been receiving harassing and threatening telephone calls and XXXX threats from Capital One Bank representatives in regards to the account and debt owed on the account. The account or debt do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-13
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refinanced my home on XX/XX/20 with New Rez LLC/PHH ... decided to refinance with them because they XXXX currently held my mortgage loan ... thinking that most of the fees of the refinance that would be charged, would be waived or not needed because of they currently hold my mortgage loan. 
However they charged me extra fees for my taxes and insurances.PHH has contacted me to say that my loan with them is not paid off because there are insurance fees that are needed to be paid first.So I contacted XXXX XXXX, loan processor with New Rez He stated that XXXX XXXX ( my homeowners insurance co. ) had been paid twice. But XXXX is asking me to send monies to the title company to finish this refinance. But if they collected all the fees for taxes and insurance and XXXX was paid twice, that sounds like they owe me monies. I have contacted XXXX several times through email to straightened this issue out also to ask for ALL of my signed paperwork which I was promised after the signing but have not received as of yet

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Over a month ago, I exited the COVID-19 forbearances for my loans into COVID-19 Payment deferral arrangements. I then asked to have the repayment of the escrow shortages from COVID-19 forbearance spread out over 5 years ( 60 months ) given this can be done. This is not yet done.

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 2016-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
There is a car loan on my credit report that does n't belong to me. I 've contacted Capital One about it and nothing was done. I 'm considering seeking the help of a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hey so I started with this company and they made me provide proof to get a SECURED cc. I gave a XXXX $ deposit. All of a sudden they started requesting proof of identity. Which I provided when I got the card for this secured card. My first problem was a charge from XXXX XXXX. They promised a credit and never followed through. I provided screenshots with names etc and Discover reversed the charge with the information provided. Which caused me to be over the limit. I continued to pay the bill. Then the last straw was stiffing me for my security deposit right as I was approaching my XXXX months. I would like my money refunded. I no longer care about having the card as it is now closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-12
Company: AMERICAN EXPRESS COMPANY
State: IL
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, XXXX XXXX, received a statement from American Express stating that XXXX XXXX owes a past debt of {$1700.00} and a new debt worth {$450.00} which as the original creditor, I do not validate and deem this inaccurate. American Express is in violation of 15 USC 1692 B ( 2 ) - Acquisition of location Information stating that I, XXXX XXXX, the original creditor owes a debt. This alleged debt also includes an interest charge which is in violation of 15 USC 1605 A ( 1 ). American Express is also is false representing the total amount which is violating 15 USC 1692 E ( 2 ) - False or Misleading Representation by saying I owe a past debt of {$1700.00} and a new debt worth {$450.00}. American Express is harassing me and impacted my XXXX XXXX XXXX XXXX XXXX Claiming that I owe a debt to this is very offensive and American Express is violating 15 USC 1692d ( 2 ) - harassment or abuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-03
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Someon e one u sed my credit applied for a fraudulent loan with Santander in     XX/XX/XXXX . They 've changed my date of birth with my credit report  XXXX . My former employers have been changed on my credit report. All of my former addresses have been changed. Social Security had to write a query for me with my EIN numbers for my former employers from  XX/XX/XXXX - XX/XX/XXXX . My drivers license have been stolen, social security card stolen.   XXXX   refuse to correct my credit report. They 've allowed someone to place a seven year fraud alert using fraud information. I ca n't provide  an account or loan number. All of my mail was being stolen through The United States Postal Service. Santander refused to speak with me after I did n't give my consent to anyone. Someone called me from Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-03
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-01-23
Company: Navient Solutions, LLC.
State: NY
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 made the scheduled payments on my Navient account last month. I paid $ XXXXon XX/XX/2020. I go to the Navient site today, XX/XX/XXXX, and I am now seeing a payment of {$100.00} that Navient 's states was due on XX/XX/2020. I do not understand where this " payment '' comes from. When I made a payment on XX/XX/2020, I did not see any other payment that was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting me as 30 to 60 days past due on the XXXX account number XXXX. This account has a {$0.00} balance and {$0.00} past due. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

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 2022-11-03
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXXXXXX, Account # XXXXXXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXXXXXX 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 2021-02-19
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX what I just posted on XXXX : PLEASE READ AND SHARE THIS POST : SYNCHONY BANK is a vile corporation and a predatory lender of the ugliest kind. 

Yesterday they closed every store card I had with their bank. There had been no issues with payment. And I only learned of what was unfolding when I got a notice that my credit score had taken a deep dive. I lost {$30000.00} in valuable credit that had been available to me. 

Heres my story : I dont know why the accounts were closed except SYNCHRONY had an issue with one account. They decided suddenly that all my accounts were high risk and closed them all. I dont know what the issue was. 

They informed me that I was sent a letter about the issue but I never received it. 

I dont know whether the letter they was warning me or just notifying me of the closing of my nine accounts. Customer service couldnt access the letter but I was told they would mail me another copy. ( Since the Post Office has been crippled by the previous administration, who knows when or whether I will receive the letter. ) One account that I will really miss is my LOWES card, which had a high limit of which I had never taken full advantage. However I just purchased a house and was counting on my Lowes credit to help me fix it up. 

I worry that other banks will do the same shortly. And I would like anyone who has an account with SYNCHRONY BANK to CLOSE IT NOW. Better on your credit report that you close it than the bank does. 

By the way, I have heard recently that many of my coworkers have had their credit limits drastically lowered recently. But their stories do not compare to mine. 

I intend to complain to the XXXX XXXX XXXX and the federal Consumer Financial Protection Bureau. Please do the same if you have had a similar disastrous event. 

AGAIN, PLEASE SHARE THIS POST AND ADD YOU STORY IF YOU HAVE HAD A SIMILAR CRUEL EXPERIENCE WITH SYNCHRONY or any other bank. 

P.S. If a consumer journalist happens upon this post, PLEASE INVESTIGATE. 

My email is XXXX. My cell phone number is XXXX. Thanks for your help. 

This complaint involves multiple accounts. Here are the names and numbers of the other accounts : TJX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sams Club XXXX XXXX XXXX XXXX Amazon.com Store Card XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Care Credit Ends in 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