BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-05
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Late in XXXX, my wife and I lost a rental property in foreclosure. There was a Home Equity Line on the property as well with PNC Bank. I contacted them and they asked me to continue making payments on their loan, as it was the first Trust Deed that foreclosed on the property. We kept making payments on time for almost 5 years. Then out of nowhere, I received a statement from PNC Bank that they had written off the loan and would no longer accept payments. It took a few days for me to be able to reach someone at their company, and they told me that they may not have had the " right '' to collect the payments after the foreclosure at all so they wrote off the debt. I received a cancellation of debt notice from them and they then reported a charge off on my credit. So now after almost 5 years of paying on time, I have a new negative report on my account because they thought I should n't have had to pay in the first place. 

What I would like to have happen is : 1. The negative reporting should be dated the date of the 1st TD foreclosure ( which was in late XXXX ), so my credit is n't negatively impacted for 7 more years from the arbitrary date PNC decided to write off the debt - XXXX of XXXX. This has already created a hardship for me in that I tried recently to refinance my home and was denied because of this negative reporting. This is for both my wife and myself. 
2. If PNC was n't allowed to legally collect the debt in the first place, then they should refund the 5 years of payments we made after the 1st TD foreclosed. The payments were {$500.00} per month, and over 5 years this equals over {$30000.00}. 
3. There should be some kind of penalty involved for PNC for the arbitrary nature in what they did. I recognize that a foreclosure is not a good thing, but there are certain amounts of time where this is intended to negatively impact a person 's credit. Because of how they handled this, my credit has been impacted not just for the 7 years an item like this remains on a person 's credit, but for an additional 5 years because they are reporting it in XXXX instead of XXXX. This is really unfair in that I paid their monthly payments just like they asked me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Other

Complaint:
HAD A BANKRUPANCY BACK IN XX/XX/XXXX, WHICH SHOULD OF BEEN OFF MY CREDIT REPORT-XX/XX/XXXX. APPLIED WITH CHASE BANK -- -AND THEY RESPONDED THAT MY CREDIT REPORT IS SHOWING BANKRUPANCY ON IT, BUT WHEN I LOOK AT MY FREE CREDIT REPORT -- -IT SAYS THEIR IS NO JUDGEMENT AGAINST ME OR XXXX REPORTS?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: PNC Bank N.A.
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
The following summarizes my issue with PNC Banks policy, and their refusal to properly rectify the consequence of their mistake. 

On XXXX XXXX, 2014 I placed a currency exchange order for XXXX XXXX 's at the PNC bank located at XXXX XXXX XXXX in XXXX XXXX, Mi. This transaction is XXXX # XXXX. Subsequently, I picked up the money and engaged in a conversation with a bank associate about returning unused monies. At that time I was told that I could return paper money, but that they would not accept coin. 

On XXXX XXXX I went to the bank to return XXXX paper XXXX for approx. $ 35-40 U.S. At that time the bank associate made a telephone call to determine the exchange rate on the currency. After that call she informed me that the bank had a policy of not exchanging XXXX with a value of less than {$100.00} U.S. In response, I told this associate that I inquired about returning XXXX when I picked it up, and no one told me about this requirement. I certainly could have brought back the required amount if I had known about it, and I told her that the bank was negligent in not informing me about this. I felt that they made an error, and want me to suffer the consequences of their oversight. The bank associate told me that she would discuss the matter with bank management, and someone would get back with me. 

On XXXX XXXX I received a call from someone at the bank who identified himself as " XXXX ''. He told me that he checked out my exchange issue, and found that PNC had a policy of not exchanging XXXX with a value of less than {$100.00} U.S., and they could not make exceptions to this policy. I asked him why the bank did not inform me about this when I inquired. He apologized, and it appeared to me that local bank personnel did n't know about this policy. When I asked XXXX about the reason for this requirement he stated, " efficiency 's of scale ''. I pointed out to XXXX that the bank had a XXXX opportunity to make this requirement known to me in written communications, but missed that chance also. As a result of my order, I was given a written record of the transaction entitled " PNC Foreign Exchange Services ''. This document should have defined the return exchange requirement, but failed to do so. I told XXXX that I viewed this failure as additional negligence on the part of the bank. 

XXXX was firm in his position that the bank would not exchange the XXXX for me, and he suggested that I try to get it exchanged at the airport. I told XXXX in response that I have been a member of PNC and it 's acquired banks for almost 50 years, and I would like to believe I could count on my bank for this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: WELLS FARGO & COMPANY
State: KS
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Got a message alert that my phone number had been changed that if I had not done to contact them ASAP with their contact number. Logged into my account my phone number was still the same but noticed my account had been closed and another one opened so I contacted them at the number provided and they could not help me with the new account gave me another number I 'd have to call M-F. They did check my phone number and said it had not been changed. This being WELLS FARGO at their best again switching accounts on you possibly and no notice to the customer as to what is going on. They need to be stopped from this kind of activity. Will try to call the other number this week

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 2015-09-25
Company: Alliance One, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Company reaged debt and made my credit score plummet without my authorization. In addition, i have tried multiple times to see what debt this is and every time i call them they can not locate my debt. Soemthing is severely wrong here! 

ALLIANCEONEXXXX XXXX XXXXXX/XX/XXXXOpen $ XXXXAccount DetailsLast Reported XX/XX/XXXXCollection Agency ALLIANCEONEOriginal Creditor XXXX XXXX XXXXStatus OpenOpened Date XX/XX/XXXXClosed Date -- Responsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Account information disputed by consumer, meets FCRA requirementsCreditor Contact DetailsALLIANCEONE REC MGMT XXXX XXXX ( XXXX ) XXXXSee something wrong? 
Learn more about how to dispute items on your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10
Company: FMA Alliance, Ltd.
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
This references a call I received today form FMA Alliance at XXXX. There was an approximate {$500.00} balance on a card for XXXX XXXX XXXX that they requested I pay. I explained to the representative, XXXX XXXX XXXX, that I became ill in 2012 XXXX and I contacted XXXX XXXX XXXX in writing regarding an added service to my card that would pay on when I was unable to work. XXXX XXXX XXXX claimed that I had no such service added to my account, but they lead me to believe that I did have such a service. I believe that I was mislead by XXXX XXXX XXXX as it relates to my credit card and the account should be set as paid, and closed as a result of such misleading. FMA XXXX need to remove an collection statuses from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: Northland Group Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Northland Group , Inc. FAX # ( XXXX ) XXXX Re : account # 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 notify any company associate with this account and tell them the debt is the result of identity theft. 
I have enclosed a copy of the Federal Trade Commission 's 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 : 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 : Inform any company associate with this account Northland Group , Inc. 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 XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX SS # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13
Company: 21ST MORTGAGE CORP.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I purchased a manufactured home which is on a rented lot ( XXXX ). The only loan available at the time, I was told, was at 9 %. I was assured that I could refinance later at a lower rate. I have since tried several times to refinance with my lender and others. I have been told that, despite an excellent credit rating, I do not qualify for a new loan because I do n't own the land my house is on. This is unfair to seniors on a fixed income and hard working low income families. I do not see much difference between this and high interest predatory payday loans. XXXX and other programs are not helping these groups.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: Servis One, Inc., Titusville, PA Branch
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a new complaint seperate from my last complaint about bsi financial services. Bsi sent me a incorrect escrow analysis raising my payment by over XXXX dollars a month .after several unsuccessful attempts to get them to correct this with no success I filed a complaint with the consumer financial protection bureau. BSI promptly sent me a correct escrow analysis with a refund check because I had an excess in my escrow account. When I got the incorrect escrow analysis I contacted bsi that same day by phone and sent a qualified written request by certified mail the next day because I had the same problem last year and it took a complaint to the consumer financial protection bureau to finally solve the problem. Unfortunately XXXX months went by before the escrow analysis was corrected each month when my mortgage was due I sent in my regular payment amount of XXXX dollars instead of the XXXX dollars they were asking for. Even though they have sent me a correct escrow analysis and a new correct monthly payment of XXXX they are still sending statements that say I owe them XXXX payments of XXXX plus late fees.They did not apply the payments of XXXX to my account. They are still calling me and my wife by phone many times and we have both explained this to several different bsi representatives but it it is still not corrected as they just called me on XXXX XXXX 2015 for payment the agent had claimed to have no knowledge of the issue or my earlier complain to the consumer financial protection bureau. I explained the problem again but have know confidence it will get straightened out without your help.I have spent hours on the phone with them sent XXXX qualified written requests and XXXX complaints to you trying to get this simple problem fixed. Also I see online that this company has a f rating with the better business Bureau and many complaints online. I am going to send in my new payment amt. TO bsi this month even though they are asking for much more please help me!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I previously had an identity theft situation XX/XX/XXXX, which resulted in accounts being opened in my name for several different businesses. One in particular was for XXXX, for the amount of {$510.00}. That bill went to collections XX/XX/XXXX, and once I found out about it, the matter was disputed with the collections company and the chargers were removed from my credit report as it had been determined the account was opened fraudulently by someone who used my identity. I filed a FTC affidavit which assisted me in the removal of the charges as well as to have a Fraud Alert placed on my credit file for all XXXX credit companies. 

Now fast forward to XX/XX/XXXX and once again my identity has been stolen and the person used that information to once again re-open another account with XXXX in my name that has again hit my credit report for the amount of {$190.00} that has been left unpaid and now is in the hands of the collections company Convergence Outsourcing. I have submitted to XXXX via fax a Fraud packet on XX/XX/XXXX and have yet to hear back from them. I also contacted the collection agency and asked for this charge to be removed, and they were to send out to me a fraud packet that I have yet to receive. I have also contacted the credit bureau that the charge appeared for and disputed that as well. In addition, I have refiled another Identity Theft Affidavit along with another Police Report in regards to the Identity Theft. I also would like to know how could such a situation happen again if I have placed a Fraud alert on my account in which if any credit or services are attempting to be open in my name, the business are to contact me directly, which appears not to have taken place by XXXX after the first incident happened. I will look forward for any assistance you can offer in regards to this matter. 

Thanks, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The collection agency reported several collection accounts on my credit report without providing any notices of verification of debts all in violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: SUNRISE CREDIT SERVICES, INC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received a letter from Sunrise Credit Services , Inc in XXXX, NY notifying us that we have a balance due of {$32.00} for XXXX XXXX. After thinking about it, I realized that yes I did receive the magazine but it was always paid for in advance and that I should n't owe any money. I called Sunrise Credit this morning to inquire about this and to determine when it was due. I was told there was nothing due but they worked for XXXX XXXX in order to renew my subscription. I asked them if I owed any money and all she said is do you want to renew. I said 'no ' and she told me to have a nice day and quickly hung up. This is an extremely unfair way to convince people to renew magazine subscriptions and upset me thinking I had a debt that went to a collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: Optimum Outcomes, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving calls on my work phone about an unpaid debt from someone named XXXX XXXX. This person does not and has not ever worked here and this number has been used by my company for many years. I receive a call about once a week and have been receiving them for a few months now. The call is automated and I am never connected with an actual person that I can talk with to correct this issue. There is a phone number listed at the end of the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: Results Unlimited, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I was sued for a debt from XX/XX/XXXX on XX/XX/XXXX by Results Unlimited and attorney 's XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, Va XXXX regarding XXXX in the amount of {$1100.00}. I was unable to pay this debt. The suit was twelve years after the lease expired. Results Unlimited and Townhouse Park Apartments are still attempting to collect this debt and has placed a lien on my bank account. This is 18 years after the remaining balance on the lease was owed. 

Besides the statute of limitations expiration under the Fair Debt Collections Practice Act, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, attorney 's and Townhouse XXXX have place a lien on my bank account which contained Department of Education Student Loan Funds disbursed by XXXX University on XX/XX/XXXX. 

These funds are to be used only for educational purposes and XXXX XXXX XXXX XXXX, where my funds are currently being illegally withheld from my use and possession, refuses to release my Student Loan disbursement funds due to an 18 year old debt claimed by XXXX XXXX XXXX, their attorney 's XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

My Student Loan funds are being illegally withheld to pay for an illegal judgment during my law school examinations and has caused me to suffer severe emotional distress. 

I would very much appreciate a call tomorrow Friday, XXXX/XXXX/XXXX to help me to get this matter resolved. 

I can be reached at XXXX. My email is XXXXXXXXXXXX. 

Have a blessed day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I SENT A NOTICE OF DISPUTE WELL OVER 60 DAYS AGO. DEMANDING PROOF THAT I OWE THIS DEBT. I HAVE NOT HAD ANY RESPONSE FROM CREDITOR SHOWING ON OWE THIS DEBT BY MAIL OR PHONE CALL FROM CREDITOR

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
My complaint does not actually fit into any of these categories. It is a complaint against XXXX Bank, financing via XXXX. XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX. I feel that Conn 's was not clear in communicating the terms of the finance deal and XXXX is also guilty of the same and also of preying on consumers by applying higher than usual interest rates for products purchased through financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: TN
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:
This dispute involves Experian, XXXX, and XXXX. Each of the three agencies is erroneously reporting incorrect information. Experian, in particular, is reported my last reported name as XXXX XXXX XXXX. I have never used this name and demand strict proof that it was reported to Experian. I demand its removal from my credit report and that my legal name and the only name I use to be secured there instead. XXXX XXXX XXXX. On XXXX, party/parties unknown accessed my account in the Georgia DMV and requested an address change as well as a copy of my file to be sent to them. I have filed a complaint with the Georgia XXXX and have requested an investigation as well as prosecution to the fullest extent of the law. My current address is XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX, but each of the three credit reporting agencies is reporting XXXX XXXX XXXX  # XXXX XXXX, Georgia XXXX as my current address. I request that all prior residences be removed from my credit report for security purposes leaving only my current address. I also request that all employers or past employers be removed from each of my reports for security purposes. I request that any inquiries seeking credit or information be met ferociously and that I will be contacted by any attempt. Each of the three agencies refuses to update my XXXX XXXX  account and are severely inaccurate in reporting which in turn interferes with my credit.

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