BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
In XXXX I set up a {$10000.00} line of credit for my small business with Bank of America. I understood that I would be paying back this loan in increments and that they would be automatically withdrawn from my checking account. I never ever received any statements in the mail. Over the ensuing years I admit that I forgot about this debt, but assumed that the withdrawals the bank had been making had wiped it clean long ago. 
This past Saturday I decided to review everything online and discovered that, for the past 18 years BofA has been withdrawing about {$90.00} from my checking account monthly but then slapping that account with an equivalent finance charge of virtually the same amount. So I estimate I 've paid the bank about {$18000.00} over the 17 years and my balance due has only been reduced to {$9700.00}. I was absolutely shocked!!! To add insult to injury, the bank also has charged me a $ XXXX/year membership fee!!! Insane! 
The bank has claimed that they did not have my correct address and therefore no statements could be sent. But all my other bank statements are mailed and received. And all the statements I could retrieve online ( only as far back as XXXX although I 've ordered earlier ones ) all have the correct address printed on them. 
For the past decade I have been very diligent in paying all my bills down to XXXX balance every month. But without getting a statement, I had no idea about this debt hanging over me. I could have, and would have, paid it off many years ago. 
I called the bank on Saturday but received no satisfaction. Basically, they claimed that they did nothing illegal and therefore were under no obligation to forgive anything. The most they would consider would be to wave the last three months of finance charges. End of story on their part. 
I do realize that I am not totally in the clear ... I should have been diligent and aware, but the account was set up long before there was any online banking. So without printed monthly statements ( like I have received for every other loan I have ever been involved with ) it is easy to lose track. When I look online, now I see that they list a balance of approx {$9700.00}. But, honestly, because that number has never changed for years, and I have n't used the line of credit at all, I have assumed that was the amount that I had available. 
So basically BofA had constructed an easy $ XXXX/month money-making machine which would have gone on indefinitely as long as I did n't figure it out myself. They in no way ever attempted to contact me through phone or email or other means, although they have contacted me plenty about all sorts of new products and services. 
Please help! 
( note : I am attaching the most recent statement that I found online from XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-27
Company: Seashine Financial, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am in the process of buying a new home and securing lending on a jumbo loan. I have no debt to my name, a credit score higher than XXXX and more than sufficient funds for the 20 % down payment. I am gainfully employed at the some company for the past 10 years and in the same line of business for over 20 years. At issue is documentation required from the lender to approve my loan - specifically a mortgage or rental history for two years. I owned a home XXXX that I purchased in XXXX and sold in XXXX when I moved XXXX and purchased a home in XXXX that I sold in XXXX. Since that time I have been living XXXX rent free. Because I have the benefit of good friends and family members in the area while I continued to search for a home to purchase, I am now being penalized by having my loan not approved for this isolated reason. My impeccable credit report and payment history from XXXX is insufficient?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: PNC Bank N.A.
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I purchased a tire from Merchants on XXXX/XXXX/XXXX. They attempted to mount the tire and cracked the rim, The rims costs {$1000.00} each. After 3 hours working on the mounting operation they gave me the car. I alerted them that the sensor light was still displayed, they said it would go out. The tire blew out again. I had it towed back to Merchant the next day. They discovered the rim was cracked. They acknowledged it was their fault and welded the rim after telling me they would replace it. I rented a car since I was just out of XXXX and needed transportation. They refused to pay for a rental car. I disputed the payment and PNC decided there was nothing to substantiate my claim. I did not think it was fair to pay for the incompetent services. They cracked the rim using inexperienced workers. For three hours they allowed someone to abuse my car. The supervisor came into the service area saying they were struggling with the tire, and yet allowed this same individual to destroy my rim. After it was repaired I had another blowout and XXXX in XXXX saw the welded job and found additional hairline cracks that they repaired. PNC decided to reverse provisional credit for the third dispute against Merchants '. I received a letter on Tuesday XXXX/XXXX/XXXX that PNC would debit my account {$340.00} for a provisional credit they issued in XXXX XXXX. I told them I was not paying it and I disagree with their findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In or around XX/XX/2020 I filed a complaint with supporting documents requesting deletion of a XXXX XXXX account being incorrect reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Since XX/XX/XXXX I have been trying to get the credit reporting agencies to remove this account : XXXX. This collection agency faxed the credit reporting agencies to remove their account from my credit file because they were not supposed to report this small debt. We made an agreement to settle the account in XXXX payments for the exchange of not reporting. The manager made a mistake and reported and after it was brought up to their attention, they faxed the info over to the XXXX major credit reporting agencies to remove. XXXX and XXXX have removed but not Equifax. After disputing with Equifax directly they keep telling me is verified, is mine and they will not remove. The collection agancy says they ca n't do anything about it because they have already tols Equifax to remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: Stearns Ventures, LLC
State: HI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I borrowed money from XXXX to purchase a condominium. The loan was transferred to Stearns mortgage. The Stearns loan number is XXXX. 
I recently paid off the loan, and received a recorded copy of the release of mortgage. Despite repeated requests for the return of the note, I was provided only a copy - not marked paid in full. 
Stearns has refused to respond to my request for the note, or to advise me whether they have transferred, sold, or otherwise alienated the note. If they have, they should nothave accepted the payoff. I have no way of knowing if the note is presently or will be in the future in the hands of some third party. I would like your help in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-29
Company: Alliance One, Inc.
State: CA
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:
applied for the california XXXX program which court said i was intitled to 80 % reduction of fine sent payment to alliance one as instructed by their representative also sent in court papers as requested. now almost 3 months later after they have cashed the 80 % payment check they have not honored XXXX still attaching wages and i still do n't have a drivers liscence

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Alliance One, Inc.
State: CA
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:
I received a Notice of Intercepted Funds for a property claim I submitted to the California State Controller 's office on XXXX XXXX 2015. I had paid the debt these fund were intercepted for months prior to submitting this claim. 

The Notice states " If you were due more than the intercepted amount, you will receive a check for the remaining amount of the property in approximately 30 days of this notice date. '' The notice date is XXXX/XXXX/15As of XXXX XXXX 2015, I still have not received the amount due to me. When I call Allianceone, they keep telling me they do n't have the funds. They tell me their records show the debt was cleared months before the claim was submitted but they will not send me the money due to me. 

AllianceoneXXXX XXXX XXXX, WA XXXX ( XXXX ) XXXXXXXXMy account number with Allianceone:XXXXAnother address is : AllianceoneXXXX XXXX, WA XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-18
Company: BMW Financial Services NA, LLC
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and XXXX until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
With Eqifax only i have a problem receiving my free annual credit report. 
When i contact Eqifax they reply by stating they have nothing to do with the website annual credit report.com and can not explain why i cant receive my annual credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01
Company: ALLY FINANCIAL INC.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent Ally Financial two previous requests for them to return to me my monetary instrument and followed that up with a QUALIFIED WRITTEN RESPA REQUEST. I sent this via Certified Mail and the first page is seen here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX [ XXXX ] ALLY FINANCIAL Attn : Notice of Mistake c/o XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Certified Mail # : XXXX XXXX XXXX, 2016 RESPA QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT & VALIDATION OF DEBT LETTER, TILA REQUEST This letter is a ''qualified written request '' in compliance with and under the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ) and Regulation X at 24 C.F.R. 3500, and The Gramm Leach Bliley Act. 

REF : MIN XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX Dear Madam or Sir : I am writing to you to complain about the accounting and servicing of this mortgage and my need for understanding and clarification of various sale, transfer, funding source, legal and beneficial ownership, charges, credits, debits, transactions, reversals, actions, payments, analyses and records related to the servicing of this account from its origination to the present date. I am the SOLE AUTHORIZED ADMINISTRATOR for the PERSON noted as XXXX XXXX XXXX and I am the sole creator and owner of the monetary instrument Promissory Note for the account and property listed above. I requested that you return my property to me and you refused to do so. There is no statute of limitations on fraud. 

Potential fraudulent and deceptive practices by unscrupulous mortgage brokers ; sales and transfers of mortgage servicing rights ; deceptive and fraudulent servicing practices to enhance balance sheets ; deceptive, abusive and fraudulent accounting tricks and practices may have also negatively affected any credit rating, mortgage account and/or the debt or payments that I am currently or in the past, or may be legally obligated to. I hereby demand absolute 1st hand evidence from you of the original uncertificated or certificated security regarding account number MIN XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX. In the event you do not supply me with the very security it will be a positive confirmation on your part that you never really created and owned one. I also hereby demand that a chain of transfer from you to wherever the security is now be promptly sent to me as well. Absent the actual evidence of the security I have no choice but to dispute the validity of your lawful

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 2015-08-18
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
My wife & I entered into a ratified contract on XXXX XXXX, 2015 with a seller to purchase our home in a short sale subject to approval of the first XXXX 1st XXXX trust lender, XXXX XXXX and the 2nd trust lender, PNC. 
On XXXX XXXX, 2015 the first ( 1st XXXX trust lender, XXXX XXXX approved the short sale and the 2nd trust lender, PNC, was to be notified of the approval ( see attached " Short Sale Approval by 1st Trust Lender '' ). 
PNC 's approval of the short sale was formally requested shortly thereafter. 
As of today, XXXX XXXX, 2015, XXXX XXXX XXXX XXXX weeks later PNC has not approved the short sale with a {$12000.00} payoff despite the lack of any equity for their 2nd trust loan. 
In fact, PNC has not responded to the calls and emails of the attorney for the seller for over a week ( see attached " Short Sale Status from Law Office of Seller XXXX '' ). 
I believe PNC has an obligation to approve the short sale in an expeditious manner. 
Please help us in any way you can to prod PNC to move forward on the short sale approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: PNC Bank N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX branch manager of PNC bank in XXXX XXXX closed my bank account today right before my direct deposit hits on Friday XXXX XXXX. I already set up auto pay with all my utilities and fitness club. He promised to call me back after speaking with his loss prevention manager and never called me back. He had his XXXX employees XXXX and XXXX lie and say he was not in the branch when he was there just to avoid my calls. He is not a man of his word and very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
In the past year, I have been charged {$140.00} in overdraft fees by PNC bank. I was charged XXXX different {$36.00} over draft fees on XXXX XXXX, 2015. I received another XXXX {$36.00} fees on XXXX XXXX, 2015. I have had some overdraft fees reimbursed during my eight years as a PNC customer. However, PNC continues to refuse to reimburse me for the {$140.00} that they charged me in 2015. I am a recent XXXX who is underemployed. {$140.00} is a lot of money to me. You can find these charges outlined under 'Other Deductions ' on my attached bank statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-12
Company: Debt Recovery Solutions, LLC
State: MA
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:
Credit report check revealed {$1000.00} owed to Debt Recovery SolutionsCalled DRS and was told it was for an old XXXX Account. 
Called XXXX, they have no record of me owing any money. I still have XXXX to this day with a XXXX balance ( home services ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: PNC Bank N.A.
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
In XX/XX/XXXX My wife and I Went to PNC Bank to get a XXXX Mortgage ( commonly known as a Home Equity Loan ). We thought we were getting a XXXX Mortgage ( commonly known as a Home Equity Loan ), but we were given a Home Equity Installment Loan. In XX/XX/XXXX I noticed that this loan was not functioning like a mortgage loan. Since XX/XX/XXXX I have been trying to refinance this loan with PNC Bank but have been denied due to the decrease in our property value due to the housing bubble crisis. PNC advertised the loan as a Home Equity Loan, not a Home Equity Installment Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I contacted Navient many times to find a solution to my extremely high student loan payment. After having a baby they allowed me to put off paying for a short time but then determined that I should be able to pay the $ XXXX/month. My daughter is almost XXXX and I have been paying on my loans for a few months. It is very hard for me as a new college graduate to afford an apartment, car and provide for my new family. Navient will not work with me to lower my payments and it is extremely difficult and frustrating. 
I have big dreams for my family such as owning a home some day and staying as debt free as possible. Navient is a bully when it comes to the student loan crisis. I have {$65000.00} in private loans through Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of American owed me {$8000.00} for funds that they said, I owed and at this time they have not proved that I owe any money. They held more than {$26000.00} in unapplied funds and when the loan transferred to nationstar in XXXX there were still funds that had not been applied to my primary mortgage. In XXXX of this year XXXX XXXX threatened to foreclose if I did not pay after I had been paying them since XXXX they refused my XXXX XXXX payment until I agreed to pay the XXXX including additional late fees, attorney fees, home inspection fees running the bill up more than XXXX. I paid out of fear. Also, on the XXXX mortgage I paid an close to XXXX out of fear of the collection tactics from bank of America and XXXX. I have paid in good faith as that was the reason I filed XXXX in XXXX to pay my creditors in good faith. I am not satisfied with the results of this investigation on behalf of these mortgage companies that have committed fraud and false billing statements to collect money that I do not owe. I am seeking reimbursement of $ XXXX XXXX XXXX I paid more than {$12000.00} to nationstar to keep them from foreclosing on my property. I paid bank of America a check because they said I was behind on the heloc when was settled in bank ruptcy. I am due a refund and my credit reports need to reflect that I have paid in good faith. I am very disappointed in bank of America, countrywide and XXXX for the mishandling of my accounts and my payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I discovered a Georgia State Lien on my credit report XX/XX/XXXX. I called the court in XXXX County and was told it was paid. I informed the credit bureau that the date of payment of my credit report states XXXX XXXX instead of a payment date of XXXX XXXX XXXX. It was not corrected. It is 7 years on XXXX XXXX, XXXX since being paid and I would like it removed from my credit report.

Company response to consumer: Closed with explanation