BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-07
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Received correspondence from Barclaycard regarding Application : XXXX, XX/XX/2016. We need to verify the address listed on your application. Please send an original utility bill or bank statement with your name and address. 
NEVER APPLIED FOR A Barclaycard Visa with Apple Rewards. 

This is a repeat action less than six months apart from BARCLAYCARD. Please cease application. This is a fraudulent application.

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: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/2016, my accounts were closed by PNC bank branch located at XXXX, XXXX in XXXX in an unjust and unfair manner. This morning I met with the branch manager, XXXX, to determine why my Social Security monthly benefit was not available in either my checking or saving accounts. I talked with various bank representatives on several occasions to address a transaction that was flagged as fraudulent. In an attempt to help a neighbor, a wire transfer was deposited in my account on XXXX/XXXX/16 and returned on XXXX/XXXX/16. I incurred a return of deposited item fee on XXXX/XXXX/16 for {$12.00} ; continuous overdraft fees of {$7.00} on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XX/XX/2016,XX/XX/2016 ; and continuous overdraft fees of {$21.00} on XXXX/XXXX/16 & XXXX/XXXX/16. The total of these fees is {$89.00}. As on XXXX/XXXX/16, my saving account was charged off in the amount of {$210.00} and my checking account was charged off for {$290.00}. I still do not understand all the fees of how I owe PNC so much money! Previously my accounts have always been in good standing since their inceptions. I attempted to be accountable for the error of trying to help a friend and asked XXXX to deducted the amount owed from monthly benefit but he said " the Social Security Administration has flagged these types of benefits to not allow any of it to be used to pay bank fees ... and that is why the account was closed. '' I ended up sincerely asking XXXX bus drivers to allow me to ride for free because I did not have any money leaving the bank. Honestly, I have not had any money since XXXX/XXXX/16 & my birthday was on XX/XX/XXXX. I am a XXXX and my only financial account is- I mean, was with PNC . Now, I think I have to wait for a check to be issued and sent to me via snail mail ( I will address this matter tomorrow ). No one from PNC contacted me to tell me what was going on and as important, how to keep the accounts active and open. They just closed them and left me broke with tears! Please help & thank you in advance!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened two accounts with Ally Bank on XX/XX/XXXX of 2021, depositing {$5000.00} into an interest checking account and {$5000.00} into a savings account. I received a debit card in the mail. 

After a few weeks I tried my first transaction, which I think was a small debit card purchase. My account was immediately locked for suspected fraud... I received notification in the mail. 

I phone Ally Bank on XX/XX/XXXX and aske for the fraud department, where I encountered " XXXX, '' a XXXX XXXX XXXX XXXX XXXX  employee who would tell me nothing and only said he would send a document upload link via email, then hung up on me. 

I uploaded all the requested documents, then waited several weeks. Nothing happened. 

I called back and spoke with XXXX in fraud prevention. She was apologetic, but said none of my uploaded documents were in the file. She didn't know why. She sent me another upload load and promised to track the case to ensure quick resolution. 

I never heard from XXXX. 

Several weeks later I called again and spoke with XXXX in fraud prevention. She said none of the documents from either of the two previous uploads were in the file and offered to send me yet a third upload link, but I insisted she stay on the line to verify receipt. We did three sets of uploads, she confirmed she had all the documents from all the uploads, she said they were more than sufficient to prove my identity ( all of these included a photo of me holding my passport, etc. ), and that this would be resolve within 24 to 48 hours. 

I never heard from XXXX. 

Weeks later, I called and spoke with a customer service agent who could not transfer me to fraud prevention but said she would try to get someone there patched into the line. She was on hold ( as was I ) for about 40 minutes, then she came back on the line. She said the person she spoke with in fraud prevention would not speak with me, told her not to reveal his or her name, and said someone would reach out to me within 24 to 48 hours, then hung up on the customer service agent in his own organization. She was embarrassed. 

No one ever contacted me. So I filed a complaint with the XXXX, who forwarded my complaint to your agency on XX/XX/XXXX. I haven't heard from you, so I'm filing a complaint directly here. 

Your upload system wiped out my entire complaint a few minutes ago, so I've retyped all of this again. Please contact me, and I will provide you with a XXXX  link to all the relevant emails.

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 2021-12-17
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have contacted FedLoan on XXXX occasions in the last 30 days, totaling XXXX hours on hold There are no callbacks. 
Online chat is disabled They do not respond in XXXX message There is no way to contact them. 
Emails are unanswered

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is my second complaint for an ongoing issue. My first complaint # XXXX has not been settled. I declared bankruptcy in XX/XX/XXXX. My case was closed in XXXX of XXXX. Caliber Home Loans still refuses to lift the hold on my account. I have no access to my account. No statements or online access. I pay an amoumt every month not knowing if it is correct ir not. They have blatantly disregarded correspondence from my lawyer stating that they are in violation on the NY State bankruptcy codes. How do they get away with this????? I never missed a payment in 8 years. The only way I can pay them is through my bank 's bill pay option or I can pay on the phone for a XXXX dollar fee. This is my home!!! They keep saying that an abandonment of property was never filed. The NY State trustee on my case informed them that no such document is required once the case is closed. Yet they refuse to grant me access to my account. I have not seen a statement since XXXX of XXXX. I am beyond XXXX about this. On top if this my mither passed away in XXXX of XXXX and they are still sending tax documents in her name and sicial security number. They were sent her death certificate a year ago and I have called XXXX other times about it. How can a company get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: VW Credit
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
HAVING AN ISSUE WITH XXXX CREDIT, MY ISSUE IS THAT MY CAR IS A LEMOM EVER SINCE I BOUHGT IT XXXX 2014 ALL IVE HAD WAS ISSUES I HAVE NUMEROUS SERVICE RECORDS AND MY COMPLAINTS AND ISSUES COMPLY WITH THE LEMON LAW. IVE CONTACTED BOTH COMPANIES AND NEITHER HAVE BEEN WILLING TO HELP ME. IVE HAD TO RESORT TO BUYING AN OLDER VEHICLE TO GET ME AROUND. IM IVE BEEN FALLING INTO FINANCIAL ISSUES NOW BECAUSE OF ALL THIS AND NEITHER COMPANY SEEMS TO CARE. IM HONESTLY RUNNING OUT OF OPTIONS AND IM ON THE BRINK OF HAVING THE CAR REPOSSESSED AND IM NOT SURE WHAT TO DO. I DO NOT WANT THE CAR BUT AT THE SAME TIME I DO NOT WANT MY CREDIT RUINED. I WAS IN THE PROCESS OF TRYING TO BUY A HOME AND I CAN NO LONGER BUY IT BECAUSE OF THE NEGATIVE INQUIRES BY VOLKSWAGEN CREDIT.PLEASE HELP IM NOT SURE WHAT ELSE TO DO.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: VW Credit
State: MA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a VW Passat from the VW XXXX, MA Dealership and returned it at lease end last summer ( 2016 ). I got an invoice from VW Credit charging me {$170.00} for an alleged scratch in the passenger door. The VW General Sales Manager validated that there was not a scratch in the alleged location specified by VW Credit when I returned the car in so I took a photo of the location in the car with him holding his business card in case of any issues. Soon after I got a bill and immediately called VW and explained the issue. I spoke to a man that identified himself as XXXX from VW Collections department saying that he received my note in the bill and that he did n't received any picture with the evidence I mentioned. Thus, he requested I get the VW Dealership in XXXX where I returned the Passat to fax him a letter directly at XXXX stating that there was n't any scratch in the alleged location. I requested this from the General Sales Manager so they faxed a letter stating that, and to contact them if there were further questions. I continued to receive letters from VW Credit billing me for the scratch my leased vehicle did n't ' have! I called VW Collections and spoke to another gentleman and explained the situation. He said they never received anything. I went back to the dealership and asked to please fax the letter again. They pulled it from my customer folder and faxed them in front of my eyes and got a sent confirmation from the fax machine. Again, the letters from VW Collections with the scratch amount included continue to harass me. I mailed the same letter to VW to the addresses below as well : XXXX XXXX XXXX, IL XXXX XXXX, IL XXXX I am acting in good faith and going the extra mile to straighten out my account with VW Credit but nothing seems to work. I only want them to credit the {$170.00} because it is incorrect. I am exhausted from trying to provide them with what they need to credit my account but nothing seems to work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-09
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We fell behind in our mortgage 3 months and applied for a modification with our bank. During the modification process our bank sold our loan. The process then began all over again with the new servicer. We were never approved, and never given a satisfactory reason as to why. However the assignment of mortgage to the new lender is fraudulent. ( Copy attached ). The issues with the assignment of mortgage are as follows. PNC Bank , National Association XXXX XXXX XXXX XXXX is not correct. PNC was successor by merger to XXXX XXXX who was successor by merger to XXXX XXXX XXXX. The said mortgage amount assigned states {$390000.00} which in fact it was {$160000.00}. There was no mortgage with that document number recorded in XXXX County at that amount. ( Copy of note attached ). The person signing over the assignment who 's name is XXXX XXXX, Vice President had no authority to do so until almost a year later. ( Limited power of attorney attached. ) Also I 'm attaching Forensic Loan Audit showing the break in the chain of title. This is wrong in so many ways and I want this cleared off the title and I want an explanation from PNC as to why they fraudulently sold my home and evicted me.

Company response to consumer: Closed
Consumer complaint received 2016-04-08
Company: STONEGATE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Stonegate Loan # XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Filed We started a short sale with Stonegate On XXXX XXXX, 2016. Last evening, XXXX XXXX, the homeowner received a call from Stonegate 's debt collection department. The male on the phone was very rude. He stated Stonegate was understaffed, not going to work on a short sale, and they were going to foreclose on XXXX XXXX unless the homeowner gave him in excess of $ XXXX immediately. This homeowner is understandably distressed by this action on the part of Stonegate. 

Aside from the lack of professional exhibited by the Stonegate rep, there are also several legal issues with this event. The Fair Debt and Collection Act has been violated in several ways. Harassment of the owner of a home and using intimidation in an attempt to coerce a current client. Threatening foreclosure on a home that has not yet been referred to an attorney ( we spoke with Stonegate staff on XXXX/XXXX/16 and verified this ). Stating Stonegate is understaffed to the point of inability to fulfill their servicing obligations and they are just going to foreclose on the homeowner. 

To top it off, this is being done to a Veteran with a VA Loan. Is the XXXX XXXX aware that Stonegate lacks the staff to service their mortgages in accordance with their servicing contract? 

We have since spoken with a rep in the short sale department who was disturbed that this had happened. Their supervisor has been apprised of this situation. 

It is obvious that Stonegate is doing this not only our client but all of their clients. The CFPB was created to end this kind of fraud. When is Stonegate going to be closed down?

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 2016-06-06
Company: PNC Bank N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I reached out to multiple parties at PNC Bank for 2 issues without any success : 1. {$300.00} new account bonus ( get a different story every time ) 2. Excessive overdraft charges that I can not get any recent response to. 
The following is more information : {$300.00} Bonus I opened a Virtual Wallet Performance Select Checking account with a savings account via a banner ad in XXXX of 2012. The banner ad specified requirements and I met all the requirements. I have been following up for over 4 years now and I get different answers everywhere I go. In 2012, the branch told me to call the XXXX number. They told me that I opened the account in a branch ( XXXX I never visited ) and thus was not eligible. I went back to a branch and was told that sometimes they assign online accounts to branches. I called the XXXX number again and they said there was nothing they could do. I go back to branch and escalate and they have someone from XXXX give me a call. They leave a name and number and no-one returns my call. Finally, I find someone and they say that it 's too old. I find a VP and he forwards it along and another person tells me that they ca n't find any promotion at that time. They ask for proof that there was a promotion ... how am I supposed to do that after all this time? 

Now what is really infuriating ... I never got anyone to respond to this inquiry : overdraft fees that have been applied to my account since opening. I have been charged over {$2000.00} in overdraft fees. 

I think what is most frustrating about the overdraft fees is that PNC has overdraft protection ( that I was never told about until my last conversation a month ago with a rep ). I have called dozens of times and made visits to try and understand the fees and how they relate to Bill Pay, CheckCard purchases, and of course the deposits I make to cover the transactions. While I do n't claim to be the best money manager, I have always moved money to PNC to cover such charges. Also, I 'm confused by the consistency of the messages I get ... in some cases I have the fees refunded, in other situations ( which are the same ) I do n't. I get the line from PNC reps that they can only offer a courtesy refund on charges once a year. But then as I go through my statements, some were refunded well within a year of each other. Also, it seems like I get charged multiple fees on the same day for the same overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have a loan with a company that has been continuous going up on my payments without my knowledge. Repossessed the car and still charging me as if I had the car will not answer any phone calls that have been made to attempt to clear up this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
Hello so on XXXX/XXXX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX XXXX XXXX XXXX. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.

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 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
Hello so on XXXX/XXXX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.

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 2015-09-24
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I started with this mortgage company in 2007, after the death of my husband. Since I have been with them they have refused to refinance this adjustable rate mortgage, they are adjusting it more than every 12 months. Plus the company has changed their name XXXX times. They have not sold the loan, they have changed their name. It started out as XXXX, then they changed to Vericrest, now they are trading under Caliber Home Loans. Since I have been with them, they have charged late fees unsubstanciated. They never put an amount on any of their statements or their website as to how much the late fees would be, If I paid the mortgage on a Friday via the internet, it would not post until that Monday to my account. If Monday fell on the XXXX or later, they charged a late fee. I questioned them 2 years ago about what their late fees are, and how and when they were charging them. They sent me a breakdown from their own records, that showed XXXX lates on my record, but they have me owing them {$390.00}. Whenever I asked to speak with a manager they were either never available or someone would identify themselves as the manager, state they would look into it, and never call or write back. They also reported me late to the credit bureaus several times { I think to justify not refinancing me }, but eventually had to remove it from my report. It has been exhausting dealing with this company, the Attorney General 's Office has advised me to get an attorney, as well as contact your department for assistance. I have every monthly statement, as well as correspondence from them since 2007. I will attach the important ones, and hope something can be done. The last supervisor I spoke with there told me it was perfectly legal to charge a late fee if they do n't post a payment before the XXXX, no matter when I pay it online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
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: Their investigation did not fix an error on your report

Complaint:
I contacted Experian asking for verification of account : XXXX # XXXX. I just received a notification from my credit monitoring that this account was updated from showing lates for the month of XX/XX/XXXX and XX/XX/XXXX. The update reflects no lates on the account currently. This has taken place in the past then the lates were added. also this account shows open XX/XX/XXXX which is inaccurate, discharged through chapter XXXX bankruptcy which is inaccurate. They also reflect that the status was updated XX/XX/XXXX. Theres no monthly payment amount and the current balance is not reflecte.

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