BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-20
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2016, I deposited XXXX checks totaling more than {$15000.00} in an ATM machine at a PNC branch during business hours. The checks jammed. The PNC employees were able to retrieve the checks and they sent them in to be processed. They filed a " dispute '' report even though it was their fault. A few weeks later they issued a provisional credit that was {$5.00} less than the amount that was originally supposed to be deposited to my account while they investigated. I noticed that the original checks had cleared but that they were not in my checking account. Note : XXXX of the checks was drawn from PNC (! ). XXXX would think it would be easy to trace for PNC. I received a letter saying to send copies of the cancelled checks in to PNC. I sent them by certified mail to the address that they mentioned in the letter and received the US Postal confirmation to show that PNC received them. I received a letter dated XXXX XXXX, 2016 saying they would be withdrawing the provisional credit on XXXX XXXX, 2016 and that they had found no errors. I went to my local bank branch to complain about this. The PNC employee that I spoke with, sent copies of the cancelled checks and receipt from US Postal Service into the PNC XXXX XXXX. She said that she could not prevent the bank from taking out the provisional credit out of my account right away. It would take several days. My husband had to write a check to prevent any checks from bouncing since we would be leaving for XXXX in a couple days. Finally, on XXXX/XXXX/16 the provisional credit was issued to my account for the full amount. But as of today, XXXX/XXXX/16, they are still investigating it and the checks have not been deposited. I received a letter from PNC dated XXXX/XXXX/16 stating that they need copies of the cancelled checks. If they do n't received them by XXXX/XXXX/16, they will " base our decision on the information available ''. I take this to mean they will reverse the provisional credit again. 
I told the PNC employee at my local branch on yesterday XXXX XXXX/XXXX/16 XXXX and she recent the cancelled checks once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I 've banked at ( Regions Bank ) for almost 14 years and I have been overlooking some questionable practices until today. I call, talked to a Bank Rep to " Stop and Payment '' on two ACH 's that was being brought to my checking account a week later. Regions got the fees that same day I requested the service. I allowed enough time to stop the payments but on the following XXXX, the payments was not stopped. I call Regions and the Rep was nasty ( attitude wise ), so I requested to speak with a supervisior. The supervisor refunded my fees but the payments went through and made my account overdrawn. I was told by the supervisor that the Rep did not complete the paperwork to have payments stop. XXXX! Anyway, Regions has inconvienced me right before XXXX weekend. As soon as Im able, I will be Banking elsewhere.

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 2021-03-23
Company: Winklevoss Exchange LLC
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XX/XX/21 I tried deposting {$1000.00} into my Gemini account and was given an error message " sorry, we encountered an error. If the issue still perssts, please reach out to customer support. '' I have used the same bank account linked to my Gemini account since its origin. I contacted customer support and it listed a phone number with a recording, telling customers to email issues. I did so XX/XX/21 and filed a customer support ticket explaining my issue. No response as of yet. I subsequently filed a BBB complaint. I can't deposit or withdrawl funds to my bank account so my entire Gemini account is frozen and money soley in the companies hands with zero access from me. I do complaince for a large XXXX XXXX, and am disgusted at the lack of customer support/ IT support in regards to my issue. I am losing profits on top of not being able to have the opportunty to withdrawl any funds. Surely if a customer had issues with their account, filed a customer support ticket and then filed a complaint with the XXXX a response wouldve been given by now and resolution determined but this is not the case. I am seeking the help of the CFPB to fix this issue please as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I went on the Quicken loan website to inquire about a thirty year fixed rate mortgage loan. The interest rate and APR was advertised at 3.18 %. My credit is excellent. XXXX XXXX. The lowest offer that came back was 3.50 %. This occurred on XX/XX/2016. This seems odd given my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Fifth Third Bank is reporting derogatory information onto my account. I am hereby asking Fifth Third Bank to cease and desist in regards to this account. This notice is Pursuant to my federally protected rights. 15 USC 1692 ( c ) ( c ) Ceasing communication with the consumer. It says If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. A form of communication regarding the alleged debt is my consumer report which is directly affecting my credit worthiness. Please see the attached letter for full details.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My lender falsified information to XXXX which in turn has caused numerous negative items to remain on my credit report that should not be there. Upon completing school i was not able to obtain a job to pay the high monthly balance of the loan that was due immediately upon my graduation. It took me over a year to find a job, and when i did find one it was very low paying to the point where my monthly income was just about equal to my payments due so I still could not pay. Long story short I have never made 1 single payment to my lender. My lender, in order to successfully package and sell/transfer the loan to another party, started reporting that I had begun to make payments to show my account was in good standing, payments I never made. The clock on my loan began in XX/XX/XXXX, but they reported that I made payments in XX/XX/XXXX right before selling/transferring my loan. By law, it takes 7 years for an item to drop off of your credit report but that 7 year clock starts from the LAST PAYMENT MADE. I have never made a single payment so instead of having this drop off in XXXX, I am told it wo n't drop off until XX/XX/XXXX because of the false information they reported stating that I had made 3-4 payments prior to them selling/transferring my loan in XX/XX/XXXX-XX/XX/XXXX. I can not provide proof to XXXX to dispute this because I can not provide proof/check number for a non-existent payment. To add to the problem, since my lender is private and is not required to provide information to XXXX, XXXX can not ask them to provide proof of payment. So they are protected by law in a sense from providing proof that would ultimately incriminate themselves for falsifying records. After many escalations and unsuccessful disputes because of the lenders unwillingness to provide anything I am asking for, I am now following XXXX advice and escalating this issue here to hopefully get some assistance in going after this lender and getting them to remove this negative information that has been hurting my credit score in preventing me from doing things such as buying a house. It should be noted that they eventually sold this debt to a collection agency a few years ago and we came to a settlement, in which I turned around and successfully won in litigation after the settlement due to the collectors unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: Byrider Franchising, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX CNAC XXXX ran my credit without my permission. I had a vehicle with them and they would not honor their warranty after several request. I decided to get another vehicle and return their vehicle to them. So I picked up my new vehicle on XX/XX/XXXX and they picked the vehicle up on either XX/XX/XXXX or XX/XX/XXXX. Then XXXX XXXX ran my credit to see if I purchased another vehicle. I know that was her purpose as I am a former employee of the company and she would run a customers credit anytime they return their vehicle. When asked if it was legal she said no but these people don't know any better. I emailed and asked why and for her to fix it. She replied her goal is to help with my credit but did not say that she would fix it nor did she apologize. I don't know how they are helping with credit if she runs a persons credit when ever she feels like it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I've placed an order with XXXX for the amount of {$670.00}. During the check out online, I initially tried to use my Chase VISA XXXX to pay the due, however, the card was declined with the customer support phone number posted above. Which I've called. XXXX 's representative XXXX XXXX told me that I should try once again and if the card won't go through, I should try another payment method. I've brought to her attention, that nevertheless the check out wasn't successful I see a pending charge for the amount of {$670.00} on my Visa XXXX account. XXXX XXXX assured me that the charge either won't be posted or if it would be posted I should expect a credit for such amount issued to my account from XXXX. So I've tried my XXXX XXXX ending in XXXX and successfully check out ( SEE ATTACHED ). Then I've received a confirmation email with an XXXX shown as a payment method ( SEE ATTACHED ). Nevertheless, couple days after I've noticed that the charge had been posted on my VISA XXXX account so I've waited couple more days expecting a credit to be issued, which never been placed into my account. 

After calling XXXX via XXXX I was told to expect a call from a supervisor officer to my XXXX cell phone number who assist me with this situation further, which I've never received, therefore I've filed a dispute, which had been rebutted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: AES/PHEAA
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I receive XXXX billing statements for the same billing cycle instead of a single statement. It is not until the first XXXX is paid that I get a notice for a second amount that is due at the exact same time. I 've spoke with customer service twice regarding this and the first time they said all I had due was the amount due XX/XX/2017 and the next due should be XX/XX/2017, I paid it and now another amount is due for XX/XX/2017 which is contrary to what the customer representative said. My fear is that if I make the entire month payment for the first and lesser of the amount then the rest of the balance will go to principal and the next statement will show the larger of the balance due on the same date. This method would cause me to overpay or to not have enough to make a second payment in a billing cycle causing late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been violated by XXXX on XX/XX/2020. This is the second time I am filing a complaint about the same issue. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. As a result of the damage has been done I have not only been experiencing severe XXXX, but also struggles with my finances, and issues in my marriage.

I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1681n 15 U.S. Code 1681o Please have this inquiry removed from my credit report.

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 2021-11-12
Company: SYNCHRONY FINANCIAL
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I, XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by SYNCHRONY BANK XXXX I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by SYNCHRONY BANK on XX/XX/2021 via mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by SYNCHRONY BANK adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( li ) are up to { {$5000.00} }. SYNCHRONY BANK is now civilly liable to pay me for the damages.

REMEDY Grant me an open-end credit plan with your company or pay me {$5000.00} for damages.

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 2021-11-12
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
MEDICAL DATA SYSTEMS ISSUED A DELETION REQUEST FOR THE COLLECTIONS ACCOUNT ON MY EQUIFAX REPORT. DESPITE REPEATED REQUESTS AND ATTEMPTS, EQUIFAX WON'T DELETE THIS. I HAVE A COPY OF THE DELETION LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My bankruptcy chapter XXXX was filed on XX/XX/2020 and discharged on XX/XX/2020. Equifax is showing account status as Derogatory and payment status of Collection/ Chargeoff and Derogatory for all accounts. Accounts are being reaged to a current date which is against Fair Credit Reporting Act.I have tried multiple times to dispute all Derogatory accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern : I pulled my credit report today and after an analysis, I've found some information that needs to be disputed. I'm not sure how to do this other than to send a letter to you and ask for it to be investigated or for you to look into all of this, because I don't understand why it's reported inaccurately to begin with. Aren't you supposed to ensure its accuracy prior to the information being reported on the actual report? I thought that when a creditor sends their accounts to be reported, you're supposed to check their documentation. At least, this was what I read. 

Please also send me a new credit report reflecting the changes that you've made so that I can make my own determination and compare it to the original. I'd also like to see any paperwork that was furnished by any creditor or agent of any company performing the investigation. 

XXXX  XXXX Delete this account because Date of Last Activity does not show the same on all three credit reports. 
Delete this account because Date Opened does not show the same on all three credit reports. 
Delete this account because High Credit does not show the same on all three credit reports. 
Delete this account because Last Reported does not show the same on all three credit reports. 
Delete this account because Date of Last Payment does not show the same on all three credit reports. 
Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report XXXX  XXXX  XXXX Delete this account because Date of Last Activity does not show the same on all three credit reports. 
Delete this account because Date Opened does not show the same on all three credit reports. 
Delete this account because High Credit does not show the same on all three credit reports. 
Delete this account because Last Reported does not show the same on all three credit reports. 
Delete this account because Date of Last Payment does not show the same on all three credit reports. 
Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report

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 2015-12-22
Company: Universal Account Servicing, LLC
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Was referred to addvantageusa from my credit repair company XXXX XXXX. Was approved and ordered a laptop whichwas never shipped! Cancelled the laptop order. I am now receiving statements and collection calls from UAS, universal acoount servicing llc XXXX. It states right on the statement its for my acct with XXXX. I cancelled all orders in XXXX 2015 with addvantageusa. They have debitted money from my checking account for a laptop inhave never received. I have called every week since XXXX 2015. I have also tried to start a chat on their website- three separate times they stated that they were going to take care of this and nothing has happened. Niw, they dont respind to my chats and never answer their phone. UAS makes daily calls to my cell phone while i am at work harrassing me for a debt i do jot owe. When i call them back, no one EVER answers! I have been on hold in their que for over 45 minutes! Please help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-23
Company: Paypal Holdings, Inc
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a complaint about Paypal Credit. Their collections have been calling me for months saying that I have an outstanding debt. I have repeatedly told them that I do not. I finally pulled my credit to see if an account was actually opened fraudulently. My credit is clean. So yesterday when they called I told them what I had done and that I have no account with them. They said that they do not report those credit institutes. What kind of scam credit card company can be in business and not report to the credit institute? This can not and should not be legal. They need to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am trying to make bimonthly payments a month on my mortgage to lower my interest payments but PHH Mortgage refuses to apply that payment during the month and holds it until my regularly scheduled payment. This is causing my interest payments to be higher and making me pay extra towards my mortgage when I really should n't have to. 

I have tried contacting the company before but their monthly statement unfairly states that " any partial payments that you make are not allowed to your mortgage, but instead are held in a separate suspense account ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX Opened Kohl 's card at store to receive advertised discount on purchase. Paid in full by due date on XX/XX/XXXX ( Sunday ). They posted the payment on XX/XX/XXXX Kohl 's charged late fee without notification. On XX/XX/XXXX I received a recorded message on my cell phone " Call Kohl 's at XXXX ''. I called right then and spoke to a representative that claimed I made a late payment and a late fee was due. He looked at my account and determined I paid my payment on XX/XX/XXXX ( Sunday ) an hour after their " due time '' therefore they applied it to the day after. I was NOT made aware of a due time, only due date when I opened this card. I looked through the bill and it does not stipulate a time of day the payment is due on the due date. Per the Credit Card Accountability Responsibility And Disclosure Act of 2009, Sec.202 Requirements Relating to Late Payment Deadlines & Penalties Section 127 ( b ) 12 ( A ) Kohl 's does not adhere to the Late Payment Deadline Required To Be Disclosed section on their account statements. 

The representative reversed the late fees/interest on XXXX, XXXX A few weeks later I went to refinance my home and my mortgage representative said Kohl 's reported me 30 days late in XX/XX/XXXX due to the late fees they added to my account. I tried numerous times to speak to a Kohl 's representative to have this error fixed, they have refused to assist me in getting this resolved. Kohl 's reversed the fee/interest, but refuses to accurately report the correction to the three major credit bureaus.

Company response to consumer: Closed with non-monetary relief