BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America keeps rejecting legitimate transactions on my debit card and freezing my account for normal transactions. They send an alert to verify and I do so, and that verification is ignored by Bank of America. This has happened, and I have complained to Bank of America, numerous times. This instance resulted in 30 minutes on the phone and a duplicate transaction for {$1500.00}, which is now on hold in my account, and now I have the duplicate order to resolve with the merchant.

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 2021-04-06
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving repeated calls from a collections company that identifies as Sequium Asset Solutions. I have checked this company online and they are located in XXXX, GA. I believe I do not owe money to any provider. The representatives do not discuss what this alleged debt is about not do they give me information, unless I first confirm the numeric portion of my residential address and the last 4 digits of my social security. I have consistently declined to provide this information, unless I know what the call is regarding to and have repeatedly requested that they instead send me a letter, since they seem to have my address. I am concerned because the XXXX has received MANY complaints about this company reporting to the credit bureau on accounts that do not exist or where money is not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I opened a 0 % credit card account and transferred 2 balances. One had the incorrect account information and credit card name. 
A check for XXXX was issued to Citi Card XXXX XXXX XXXX, XXXX KY XXXX- I have no account with Citi Card. 
Citi Card sent a letter to XXXX XXXX XXXX ( the new 0 % apr card ) saying they could not find the account on XX/XX/2023. 
The check was cashed the following day on XX/XX/2023 by Citi Card even though I have NO ACCOUNT WITH THEM and they asked for account verification. 
On XX/XX/XXXX I was sent a copy of the letter from Cit Card requesting my correct account information. 
I have been out of town and opened the letter yesterday along with an account statement from XXXX showing the balance transfer went through. 
I have contacted both XXXX XXXX XXXX and Citi Card numerous times today with no results. Both are pointing the finger at each other. 
Citi Card will give no info as I have no account, XXXX says they can not cancel the check since it was cashed. 
I will be very grateful for any help with this matter. Thank you

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 2021-04-06
Company: PLANET HOME LENDING, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have called planet home lending multiple times on this. 

They have been double drafting my account since XX/XX/XXXX. 

It has been a very confusing process getting payments set up on this mortgage. 

When I first used the website almost 8 months ago and attempted to set up auto payment, I was prompted that it would not be possible without some sort of written consent, which I did NOT send in. 

After I used the website, I called the customer number and asked about it, and was told that I did not have auto pay set up. 

So I set up payments through the phone. 

In XXXX, I ended up paying twice, and in XXXX as well. 

Since I was 2 months ahead, and was credited as such, I held off from paying until XXXX. 

When I called in XXXX to verify if there were any payments set up, I was told there was not. 

So I set up payments over the phone again, for XXXX and XXXX. 

In XXXX, two payments were taken out again, so I called planet home lending again, told them to axe the payment I request in XXXX, and I made the request for the payment to be axed on XX/XX/XXXX. 

XX/XX/XXXX, they did the exact same thing. 

When I called to ask about it, The customer service rep told me right away that I was set up for auto payments, and she was the first rep from planet home lending to ever inform me of that. 

They have my email and mailing address on file, I verified it, and asked for specific, direct instructions to fix the problems their mis information in regards to my account was causing, and they would not provide the information, stating it was against the law. 

I informed them at that point I would be lodging a complaint against their company, and may hodl the money in escro and refuse to pay until they have it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have had my chime account for a few years now and up until recently I never used it-and now I remember why. I was always told not to use chime because the way they are with customers is unprofessional, rude and wont care to help you, the funny thing is those people were 1000 % right! I had some fraudulent activity on my chime account-about 5 charges exactly and as soon as I noticed them I filed a dispute right from the app. When I tell you not even 5 minutes after I hit the submit button, I received two emails stating that the disputes I literally just filed were both declined-I almost lost my XXXX! I immediately called customer service and explained the reasoning for my call and not only couldnt o understand the woman trying to speak English, she wouldnt let me get a whole sentence out before she was talking over me! She was absolutely horrible, and told me I was basically out the money that was stolen out of my accountalmost {$450.00}! I demanded to speak with a supervisor who I finally got to speak to after waiting another 56 minutes on hold. that was a total waste of my time as well because she told me she could put in for a rebuttal against the denied claims but she didnt know if that would even matter and told me that she would have to put in a special request for the information they used in order to come up with the denial and that it would also take another 10 business days for that information to be sent out to me. Its hilarious how your customers are given the run around for basically everything-you people deny fraud claims IMMEDIATELY after theyre filed and cant even give an explanation as to why!!! I WANT MY MONEY BACK now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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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 2023-08-11
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX companies that are trying to collect debts for loans that are almost XXXX XXXX XXXX but they keep selling the loans/debts to other companies and they are updating the date each time saying the debt is new. They don't show the original date of the debts. Each company closed the debt yet sells it to another debt collector. I don't think this is fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: RFNA, LP
State: MS
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:
This loan company reports charge off of $ XXXX on a $ XXXX loan. Car was given back in XXXX. When I called loan company in XX/XX/2023 I was told car was sold.Was never told amount it sold for.Credit report says my balance is {$14000.00}. If car was sold how is my balance still the same as when the car was given back to them. I need them to report correct amount owed on all 3 credit reports. They also need to have repossession removed on credit report as I gave car back to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Block, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Square froze a payment that a customer sent to my account. This is the 4th payment that has been made by the same customer and same customer information for the last few months. They're holding money for no reason and do not respond to my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Brightfunders, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We recently refinanced our mortgage through XXXX at the end of XXXX. They sold our mortgage to Homeside Financial to service the loan immediately after closing. I requested on XX/XX/21 to not include insurance in escrow. I followed up on XX/XX/21 and was told it was still in process and would be complete at the end of business on XX/XX/21. I also informed them at that time our address was incorrectly entered into the system. I submitted their change of address form with our signatures to correct the clerical error. It should have taken 5 days to complete the address change. Neither issue has been corrected. I followed up again on XX/XX/21 and no response has been provided to me. Our first payment was due on XX/XX/21. The company took the insurance money and has not corrected the issue still. It's now XX/XX/21. These are two simple issues to correct and Homeside Financial is unwilling to correct them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Upgrade, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I opened an Upgrade Cash Rewards Elite Visa Card credit card on XX/XX/2022. My first statement was through XX/XX/2022 with a due date of XX/XX/2022. On XX/XX/2022, I paid off the full statement balance and noticed that interest was charged, despite the balance being paid in advance of the statement due date. Upon contacting Upgrade, they explained that the card is actually structured as a personal loan with interest accruing from the date of each transaction. The product is clearly marketed as a credit card and compared to other credit card products and does not clearly disclose that, unlike traditional credit cards, interest accrues from each transaction rather than statement due dates. This practice is extremely misleading and will affect many other users.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/2023 I paid off a mortgage ( through Cross Country Mortgage ) on a rental property I own in XXXX, Florida. I paid it off around the same time I was changing insurance companies from XXXX XXXX XXXX XXXX. As XXXX was aware that I still had a small mortgage at the time of the insurance switch, they sent notification to the Cross Country that they were the new insurer of the property. I paid the XXXX  up front ( {$2700.00} ) as is required when binding a new policy. Even though XXXX assured me they did not send Cross Country an invoice, but merely a notification of their taking over as insurer, Cross Country paid the XXXX...... again. By this point the mortgage was paid off, and I no longer owed on the property. When XXXX received the check from Cross Country, they saw that it was a duplicate payment and mailed it back to them. That was on or about XX/XX/2023. In a subsequent phone call to Cross Country, checking on the status of the return of these funds to me, I was assured by Cross County that I would receive a check from them within XXXX to 14 days. After about 21 days I still had not received the refund, so I called Cross County again to check on the status. This time they said that they would investigate as to where the refund was in the process. I have called them several times since, and each time I get a run-around as to why I have not yet received the refund. The last time, an agent named XXXX, blamed the situation on the fact that a lot of agents work from home, and that the check was probably at the office somewhere! Are you kidding me? 

So, here we are, over XXXX months since I paid off the mortgage on my property, and I still have not received my complete escrow from Cross Country. They still owe me {$2700.00}. I have to pay the taxes on this property ( due this month ), and their mishandling of this situation has caused me to be tight on funds to do so. 

I appreciate any assistance you can offer in getting this refund back to me. 

Thank you in advance, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have been a Capital One card holder for a couple of years. I decided to take the steps to move cards around to obtain better rates and benefits earlier this year in XXXX. I initially went to Capital One to increase my credit line with the XXXX card and it was only increased {$100.00} with " no impact to my credit ''. I then tried to pre-qualify for a card and was subsequently denied. Again, it was advertised that there would be no impact to my credit. I eventually applied for a Quicksilver card and was approved. Because of the low benefits of the XXXX card, I elected to close that card. I determined a month or so ago that I needed a store card to help cover my daily purchases. I remember I received a mail-in offer for the Walmart Rewards MasterCard and the letter specifically mentioned that I would be considered for a Walmart store card if I wasn't able to get the credit card. Since I've been moving my credit cards around a lot lately, I decided to apply for the card, in hopes I'd get the store card rather than the MasterCard. I applied on Saturday XX/XX/XXXX and was subsequently denied due to the number of inquiries on my report, several of which were from Capital One. I applied on XX/XX/XXXX over the phone, after inquiring about an appeals process and was denied again. I asked to speak to a supervisor, who informed me that there is no appeals process and the process is just to reapply. I explained to her that this will continue to hurt my report, and I wanted to appeal because of my circumstances. She mentioned that anyone can continue to apply for a card as many times as possible, but no appeals process would be done. 

My complaint is that Capital One targeted an offer, even after my credit inquiries by Capital One and when I applied for said offer, it was denied because of my inquiries. This practice makes no sense and I believe this should be explored. The supervisor didn't offer to remove me from marketing offers and all she offered was to give feedback on the process. I understand that inquiries can make an impact, but what happens when inquiries from the company who claims that checking for offers won't hurt your credit, end up hurting your credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened up a bank account a few months back with Huntington bank. I then got into buy sell and trade to make some extra money in this XXXX economy. Of course with using that account with buy sell trade when doing it strictly online there may be some problems you need to address. I have filed some disputes, I won some cases and I lost some cases and my last XXXX paychecks have been deposited into my account and these disputes had never led me account to go negative. I had talked to a customer service rep about cancelling disputes and he told me on the phone that it would just be smart to let the cases ride out and then if Im at fault the provisional credits would just be taken back easy as that. Not in my case, I tried to withdraw some money last week to pay rent to find out my account had a hold on it and there holding last weeks pay and this weeks pay XXXX and claim my account will be closed on the XXXX of XXXX. I had gotten no phone call, no piece of mail, nothing stating that my account was subject to be closed. I have bills that need to be paid very badly and I have XXXX dollars in that account which is everything I have to my name. I need that money and I need it badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
The Credit bureaus started my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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 Also the credit bureaus took more than 30 days to complete my investigation

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 2023-09-08
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I wrote them a lettertstating the facts and they wrote me back saying that there was nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2023, I made a payment of {$1000.00} to be applied in repayment of my federal student loan to my then-assigned Student Loan Service Provider, XXXX. The payment processed and was cleared on XX/XX/2023. In the ensuing months, XXXX was absorbed by another student loan service provider called Aidvantage. I was sent an email communication notifying me of this change, created a new login for my account under Aidvantage, and saw that my previous payment of {$1000.00} was not appearing in my account details. I have called Aidvantage multiple times requesting this be fixed only to find it still has not been fixed and have provided Aidvantage with the payment confirmation details from XXXX ( the proof of payment provided was an official email/digital receipt that was emailed to me inclusive of the payment confirmation details, account number, and related dates ). I have since called Aidvantage again only to be told that they have conducted an investigation and they have concluded they require me to provide a bank statement showing proof of payment to XXXX. It is the student loan provider 's responsibility to maintain loan records and - to the extent a loan service provider is either absorbed by another student loan service provider or is the student loan service absorbing another- it is the SOLE RESPONSIBILITY of the student loan service provider in question to maintain accurate transactional records of the accounts in which they are taking over. I have spent countless hours dedicated to trying to fix this issue to no avail. The first time I called to address this issue should have been the last time. However, it was not and I have now opened repeated requests for further payment history to be shared on my account. It is the responsibility of XXXX and the due diligence of the acquiring party, Aidadvantage, to have absolutely ensured accountability of ALL PAYMENT RECORDS made by account holders. I am now being told I need to provide further bank statements as proof of payment. Nowhere is there policy information provided pertaining to requiring bank statement records in order to ensure my previous payments are posted to my account - outside of providing the receipts sent to me by XXXX of payments made, I should not be held accountable or required to take further action on ensuring payment records are kept accurate between XXXX and Aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: FL
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:
N 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 1681section 602A. States i have the rights to privacy.

15 U.S.C. 1681 section 604A. It also states consumers reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation