BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-12
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XXXX XX/XX/XXXX XXXX Collection Information Bureau , Inc . 
68 years in business XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DOCTORS BUSINESS BUREAUor any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DOCTORS BUSINESS BUREAU or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XX/XX/2017 I checked my credit and noticed that Credence was listed on my report. On XX/XX/2017 I received a settlement offer letter. I never received a letter with notification of this debt or my right to dispute. Once I obtained this letter I did go ahead and send out a validation of debt letter to the company. Thus far I have not heard anything back.

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 2016-09-09
Company: PNC Bank N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX/XXXX/16, my PNC account was overdrawn overnight after my paycheck had suffered a garnishment which I had not expected. 
Punitive Fee ( s ) totaling {$140.00} were charged on XXXX/XXXX/16 for XXXX items which If I had known that middle of the night, I could have gone and covered. 
I had barely enough money to cover my said transactions but due to the punitive fees debited to my account, there was no way for me possible to cover a double hole. 
I called, begged, escalated, called, begged, escalated. Ended up reach a gentleman by the name of XXXX XXXX at PNC highest escalation and he told me they were not going to budge even if I filed a complaint with the Financial Consumer Protection Bureau. 
To protect myself I had to open a new account elsewhere, move my direct deposit. Cancel all my automatic payments and wait a week to be able to do anything. 
Now, they 're charging money daily to the account while it 's in the negative and have threatened to go into my spouse 's accounts to recover, because my name is attached on that account. 
These people are like jackals. Anybody on a fixed income with a hiccup can kiss their stability goodbye. Instead of being there to help, they 're the ones that chop you up. 
Please help us. 
All they have to do is waive the fees so we can fill the hole and go on. 
We 're trapped in a corner with nowhere to go. There are no funds available in our budget for their punitive fees. 
Thank you XXXX XXXX XXXX XXXX Michigan

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: PNC Bank N.A.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I needed to change the bank account I used to timely pay my mortgage for the last XXXX years. In attempting to switch that account, I had to make a change to the bi-weekly payment plan that I had initially signed-up for. In attempting to update the bank account information in the third party system PNC Mortgage uses, this third party vendor made it nearly impossible to update my new bank account information because of all the " security information '' they needed and it left me discouraged. Because of this, I cancelled my bi-weekly payment plan with the third party vendor and decided to sign-up for automatic withdrawals or electronic funds transfer from my new bank account. I was unaware of the tedious process it takes to sign-up for the eft service that resulted in a late payment on my account. Because I do not bank with PNC - they make you download a form to sign-up for eft service that you have to print out and mail-in. It then takes 30 days to process this form. Because my payment was late, they charged me a {$30.00} late fee, and a {$7.00} " speedpay '' fee to make a payment to keep my account current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12
Company: PNC Bank N.A.
State: VT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have been trying to refinance my triplex through PNC mortgage since XXXX of this year. The first time XXXX - XXXX they canceled the loan application, WITHOUT authorization from me. I restarted the loan application with PNC out of XXXX in mid XXXX and their processors are in Pennsylvania. I have been at the second time around since XX/XX/2016. I am so frustrated it is taking this long. I am currently financed at 7.75 % they offered me 3.5 % and said it would take 6 weeks. It 's going onto 5 months now. They said they were ready to close in XXXX, but the title company could n't match the address to the insurance paperwork on file. Now they just told me they need an appraisal. I was initially told that was not necessary. They told me today it did n't matter if it did n't appraise or not as it was just a formality! Why are they charging me almost a {$1000.00} for this. Why ca n't they use my assessor 's card? I owe considerably less than it is valued at. I do n't believe this will EVER CLOSE! ~!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: PNC Bank N.A.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
My wife and I applied for a car loan from our local bank and were denied because the underwriter rejected my wife 's expired XXXX card ( XXXX ) with an attached XXXX Notice of Action from XXXX. We were told she would need an unexpired green card for approval. Her green card expired on XXXX XXXX, 2016 and the XXXX language extended her green card for a period of one year while her removal of condition was pending. XXXX memoranda and the XXXX website XXXX state that an expired XXXX with an accompanying XXXX " indicates that the card is valid for an additional year ''. 
We requested the bank produce their guidelines or regulations that allows them to ignore valid government documents and provided the bank with both a XXXX memorandum and link to the memorandum indicating the XXXX extended her green card for a period of one year. 
The Bank responded to inquiry by merely stating : " Unfortunately, PNC can not contact 3rd party vendors to verify documents. '' They ignored the fact this is the same XXXX party vendor they relied on to verify my wife 's Social Security Card. Further, they flat ignored my request for the specific guideline that directed them to treat the memorandum as not applicable. 
Also, we applied and successfully closed on a house on XXXX XXXX, 2016. The mortgage lender, following housing underwriting guidelines, did accept the expired XXXX with the XXXX as valid documentation. We requested from the bank a reason for the disparity of treatment. Again, they ignored our request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Delinquent account

Complaint:
I had a XXXX account opened XXXX/XXXX/XXXX and closed around XXXX XXXX. This account was closed because of fraudulent charges. At this present time the creditor is reporting my account as Charged Off. I called several time to rectify the situation and the Supervisor continue to state that they will correct and update this information through the credit bureaus. Once again they continue to apologize for they mistakes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Citimortgage disbursed {$5800.00} out of my escrow account for my property taxes on XX/XX/2016. As of XX/XX/XXXX these taxes have not been paid. I 've called Citimortgage and told this is normal. XXXX County says they have not yet received the tax money. My money has been missing for 45 days now and the bank has made no effort to rectify the situation.

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 2015-04-13
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
This is a classic " bait and switch '' case in which a Citi broker provided misleading information in order to try to close a deal. The result is that it is adding a month to my closing date and putting the deal in jeopardy. My wife, our dog and I are now in rotating short term housing, paying a fortune in rent due to this misinformation. Added to this, a total lack of communication, and you have a hugely frustrating and expensive situation - all due to the broker 's greed. 

What happened : We are in the process of buying a house in XXXX. We were working with XXXX mortgage brokers to make sure we got the best deal. We went ahead and ordered appraisals through XXXX XXXX and Citi. XXXX XXXX came back on XXXX XXXX 2015 with a favorable appraisal ( in writing ). Citi had offered a lower interest rate and, worried that XXXX XXXX was going to get the deal, advised on Monday XXXX XXXX that their appraisal on the house was higher than XXXX XXXX. I therefore advised XXXX that I was going to go with Citi. XXXX then cancelled the application. There was no communication from Citi all week when I tried to set a closing date. They did n't respond to calls and emails all week. They then emailed at XXXX on Friday stating that their appraisal was much lower than confirmed on the phone and if I wanted financing for the house at the previous level there would be all kinds on new costs and restrictions including having to keep assets of $ 100k in a Citi account prior to and after closing. 

Again, scurrilous sales practices paired with no communication after makes for very unethical behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: CITIBANK, N.A.
State: CT
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I returned several items to my local Home Depot on XXXX XXXX, 2016 that I had purchased using Visa prepaid card number XXXX XXXX XXXX XXXX. Home Depot issued a credit for {$39.00} to the prepaid card. The problem is that because the card had expired in XXXX of 2016, two months before Home Depot issued the credit, there is no way at all for me to retrieve those funds. My question is, why does the expiration date not show up when a store attempts to apply a credit to an expired card? This seems like a scam for the prepaid card companies to knowingly get funds that the customer has no way at all to access.

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 2016-05-23
Company: CITIBANK, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2007, my home was foreclosed on while I was called up as a XXXX in violation of the SCRA entitling me to recourse through the OCC and National Mortgage Settlement. I received a small check ( {$600.00} ) from the OCC settlement. ( Much lower than it should have been per their criteria ). I went through my Attorney General 's Office to try to resolve this. During their talks with Citi Mortgage, they were told that Citi had rescinded the sale of the home ( consequently they sold it to themselves ) 10 months later. However, public record shows that the sale was rescinded 2 years later. Either way, I feel I should have been entitled relief from Citi which I have been denied. I was never made aware that they ever rescinded the sale of the home, or that they re-instated the loan. The home has been destroyed by vandalism and weather leaving no value to the property. Earlier this year I was told they we 're again foreclosing on the home, but later they decided not to and are continuing to hold me hostage to this loan now 9 years later.

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 2015-07-11
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Late fee

Complaint:
I signed up for a credit card with XXXX XXXX Bank in XXXX XXXX, Florida. They apparently collaborated with BBVA Compass to issue cards for them. I pay my bills online through my XXXX XXXX Bank checking account. Most of my bills are paid electronically except for the BBVA Compass XXXX which would not accept electronic payments ( seriously? ). I would schedule the payments 5-7 days before the due date but would always end up with a late charge of {$23.00} and a finance charge ( I pay off my balances every month ). When I would look at my XXXX XXXX Bank transactions it would show the checks sent on time but for some reason Compass Bank would not " receive '' the payment until the day after the bill was due. I would call every month and complain about the late charge and finance charge and every month they would graciously reverse the late charge but would not reverse the finance charge. I believe XXXX XXXX Bank was scammed by BBVA Compass with no electronic payments and unfounded fees to their customers. XXXX XXXX Bank ended their relationship with BBVA Compass Bank for credit cards ( effective XXXX XXXX, 2015 ). As this was a cash rewards card I called BBVA Compass about my cash rewards balance being applied to my final statement but was told this was only credited on the anniversary date of the card, which in my case, is XXXX. So it looks like I was scammed with finance charges and now lost cash rewards! I am only one person and I know I am not the only one who was caught up in this scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
In the beginning of XXXX 2015 I was informed by Equifax that my credit report would be transferred over to their " Equifax Office of Consumer Affairs ''. At the time I had no idea what this department was nor why I was placed in this department. 
Also around early XXXX I began applying for credit cards and shopping around to refinance my home. 
I was denied several credit cards and mortgage opportunities. I had no idea why until I started receiving letters in the mail with the reasons why. These letters were stating that " Equifax credit bureau information is missing/unavailable or score not available ; insufficient or unknown credit history ''. 
Curious I called the " Equifax Office of Consumer Affairs '' to ask about the situation. I was told that companies would not be able to get access to my reports anymore because NOW my reports were being held by the " Equifax Business Division ''. 
Meaning mortgages, credit cards, insurance companies and even a job that Im trying to get would have to contact this Equifax Business Division. 
This has been a HUGE burden on my family and I. I cant apply for jobs in a timely matter, get car insurance, nor apply for credit. I also can not access my credit report online anymore, which according to the law I have to right to receive. 
I want to be taken out of this " Business Department ''. I want to be taking out of their " Equifax XXXX of Consumer Affairs Department ''. 
I have still never received a explanation in writing as to why I was put their special departments in the XXXX place. I do think because of me contacting the CFPB in the past, this is their way of " punishing me ''. 
Regardless I have a right as a consumer to access my personal credit report and give permission to other entities without having them contact the Equifax Business Division. 
I would like an explanation as you why this happened. I have also contacted a lawyer about the situation. I am ready to go further if need be. Hopefully this can be resolved without any further problems. 
I would like to have Equfax remove me from these departments immediately. 
Thank you ... .. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Southwest Credit Systems, L.P.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Southwest Credit Systems has placed an alleged debt account on my credit report without providing me with proper written communication first, giving me the opportunity to dispute the account. This company never even checked to verify if this alleged account was my own. I woke up this morning to see my credit score decreased by XXXX points for an account that I do not recognize. The original creditor XXXX was notified that the account was fraudulent due to ID theft and was permanently removed from my credit report last year. This account needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
My husband and I went to Macy 's to buy bedding on XX/XX/2016 : a duvet, duvet lining and matching pillows. At the time of purchase the sales clerk suggested we apply for a Macy 's credit card to receive an additional 5 % off. We applied right then and there at the sales counter. We were denied, so we paid for the bedding with our personal credit card. PROBLEM- we received a Macy 's credit card in the mail account number - XXXX with a statement showing a charge for the bedding. Incidentally, we never signed anything for a Macy 's credit card. We called Macy 's - ( have been calling for several months now ) explaining the situation to a 'supervisor '. We mailed copies of our credit card statement verifying that this was paid for with our own credit card. Every time we call, we get the same line : " We understand, we will take care of this ''. Up to this month there has not been a minimum due because we were 'in dispute '. This last statement, not only was the charge not taken off of the Macy 's card, a minimum payment is due. My husband is very worried about our credit so he went ahead and paid the Macy 's charge of {$550.00}. on XX/XX/2016. So we have paid doubled for this bedding. They wore us down and they won. Can you help us get our money back from Macy 's?

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 2016-01-26
Company: ASTA FUNDING INC.
State: PA
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 recently received a fraudulent collection letter from a " legitimate '' collection agency, XXXX, that is a running a scam and stealing money and identities. They claim that XXXX XXXX XXXX submitted a collection to them and are requesting my personal information and that I pay the balance. No balance exists with XXXX XXXX XXXX. I researched this company and found that they have been running similar scams, stealing people 's money using fake claims, stealing identities, and effecting people 's credit ratings. They are running a fraudulent scam and trying to extort money which is not owed by threatening to negatively impact my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My second mortgage loan with XXXX XXXX XXXX past due amount was paid in full in XX/XX/XXXX. And, I continually pay the monthly payment due each month until the full amount, showing on my credit report to date, is fully paid. XXXX XXXX XXXX must change the status of my loan to " pays as agreed ''. Charged off account, as committed by XXXX XXXX XXXX is false, as I am current on my monthly dues as noted on my credit report. 
On my personal information, the XXXX addresses showing and reported that I have lived in : former addresses XXXX and XXXX need to be deleted. I do n't recall living in these XXXX addresses. 
Lastly, there 's a query listed from a XXXX XXXX on XX/XX/XXXX. Please remove that on my profile, I have never dealt with XXXX XXXX before. 
Lastly, how do I go about clearing the 'negative accounts ' on my credit report? 
I appreciate your help resolving the issue as noted here. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
The verifiable credit information choices to verify my identity, with Equifax, is all wrong. None of the choices pertain to me and I can not get my online credit report with them that I am allowed and owed.

Company response to consumer: Closed with non-monetary relief