BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Company: Home Point Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I received our annual escrow account statement, alerting me that my monthly mortgage payment would be going up by about {$100.00}, in order to account for revised tax/home insurance amounts, and to make up a shortage of my escrow account. 

The shortage is estimated to be {$840.00}, representing the difference between the projected low balance ( - {$200.00} ) and the " required escrow balance '' ( {$630.00} ) - required being their terminology despite the fact that federal law does not require them to have that minimum but permits them to " charge the borrower a cushion that shall be no greater than one-sixth ( 1/6 ) of the estimated total annual payments from the escrow account. '' XXXX ( c ) ( XXXX ) ( i ). When extrapolated over the course of the year, that adds {$70.00} to my monthly payment. 

I don't take issue with the fact that there is a shortage that needs to be accounted for. What I take issue with is the timing of the mortgage servicer paying my property taxes, and doing so to create a greater shortage ( or a lower " projected low balance '' ) for the year, which in turn requires me to pay more each month in order to make up the shortage. 

In the County where I live, property taxes are due on XX/XX/XXXX of each year. I don't even receive a statement from the County until after XX/XX/XXXX. In XXXX, despite my escrow statement from XX/XX/XXXX projecting my property taxes to be paid in XX/XX/XXXX, after my monthly mortgage payment ( which is paid on the first of each month ), the servicer debited my property taxes from my escrow account on XX/XX/XXXX, creating a negative balance until my mortgage was paid the very next day. Looking at the escrow statement for XXXX, because the servicer plans to debit my property taxes from my escrow account in XX/XX/XXXX rather than just days later after my XX/XX/XXXX mortgage payment, I will have a balance of - {$200.00}, rather than {$110.00} if they would wait to pay the property taxes closer to when they are actually due. Doing so would lower my " shortage '' to {$520.00}, requiring an added {$43.00} each month in XXXX to make up the difference. 

I have reached out to the servicer to try and resolve the issue, but they told me it would not be possible to adjust the date of the property tax payments for my account, because it is sent to the County as a lump payment covering the property taxes of all accountholders within the County, which leads me to believe that they are artificially creating shortages or greater " Projected Low Balances '' for many more accountholders in the area, something that could be resolved if they simply paid the property taxes when they were due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: NC
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:
I have asked XXXX, Experian, and XXXX on numerous occasions to remove personal information errors off my credit report, they either do not respond or the falsely verify with no grounds. These things need to be removed off my credit report at once. 


XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : 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 non-monetary relief
Consumer complaint received 2018-10-30
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/18, I opened a Huntington 5 Interest checking account with Huntington Bank via the following link : https : //www.huntington.com/aXXXX. 

The bank advertised a {$300.00} bonus on this site by meeting these conditions : " Start by opening a new Huntington 5 Checking checking account by XX/XX/2018, then make deposits of at least {$2000.00} into your checking account within 60 days of account opening. Your bonus will be deposited into your new checking account within 14 days of meeting the above requirements. '' During account opening, I was asked for a promo code, but the website did not list one or state that such a code was needed for this bonus ( see attached screenshot of webpage ). Thus I did not enter a promo code. 

I was concerned that this bonus may not be attached to my account, so I used the online chat feature on XX/XX/18 to speak to a representative. Representative XXXX told me, " Just by opening the correct account through that promo page should automatically make the account eligible for the bonus. '' ( See attached for complete conversation. ) I then deposited {$2000.00} into the account on XX/XX/18. 

On XX/XX/18, I still had not received the stated bonus, so I again chatted with a representative, XXXX. She told me that a promotion code was required, contrary to what XXXX told me previously. She indicated the following, " We did not know that a flyer was needed until the end of XXXX. It was not something we were told. The site was created just for the flyer and was not made to go viral for the promotion. I will submit a complaint with the chat that has it being stated that as long as it was opened the code would be applied. '' Thus, even the bank representatives did not know that a promo code was needed for this offer, so how was I to know? 

XXXX submitted the complaint for me as referenced above. 

On XX/XX/18, I received a phone call from XXXX, who informed me that the bank reviewed my complaint but refused to honor the promotion because I did not enter a code. I reiterated the fact that no code was stated as required on their own offer page, but she again refused to honor the terms of this bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I declare under penalty of perjury ( " under the laws of the United States. '' if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willing for Miss statement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. 
Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items I'm requesting you to do so for. I want to make it clear that I'm not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldn't file the report because I didn't have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: MoneyLion Inc.
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I made a money lion account and took out 2 cash advances. One on XX/XX/XXXX of {$100.00} and one on XX/XX/XXXX of {$50.00}. I repaid this advance on XX/XX/XXXX. Since then there have been the following transactions NOT done by myself : XX/XX/XXXX Cash Advance of {$160.00}, {$320.00}, and {$330.00} XX/XX/XXXX Cash Advance of {$810.00} XX/XX/XXXX XXXX  deposit {$50.00}, {$100.00}, {$100.00}, {$100.00} ( see attached images ) XX/XX/XXXX XXXX Plus MoneyLion Loan {$300.00} ( see attached images ) XX/XX/XXXX Cash Advance of {$110.00}, {$260.00}, and {$260.00} XX/XX/XXXX Loan of {$1000.00} The cash advances were being done on a MoneyLion XXXX  card along with a multitude of additional transactions ( located in attached images ) and I do not obtain any sort of MoneyLion card. 

I have been trying to contact MoneyLion with requests to close my account and report fraud since XX/XX/XXXX when I was notified of the transactions. They said they filed a fraud claim, but fraud continued until today, XX/XX/XXXX when I called and refused anything besides closing/deactivation of my account. I have reported fraud on both of my bank accounts that have been compromised, but have yet to see reversal of money.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Block, Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a 47.6k purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023, I initiated a phone call to XXXX XXXX XXXX XXXX. I informed the agent I wanted to pay my XXXX which was {$260.00}. The agent then advised me that I have an upcoming payment on my Victoria Secret Credit Card. I explained to the agent I have an automatic payment on that account. She advised me okay and would take the payment of {$260.00}, I was provided a confirmation number for the payment XXXX. The phone call took longer than usual to do a payment by phone, I even asked the agent if everything was okay, she said yes. I went about my day after I hung up with her. 

Yesterday, morning XX/XX/2023 I was devastated to find out the woman made an unauthorized payment of {$1800.00} to Victoria Secret credit card. I immediately called Victoria Secret to advise this was NOT authorized. I began calling at XXXX and did not end calling until XXXX to get this resolved. They advised me if it was their fault, it would take 18 days for me to " possibly be reimbursed. '' If the managers would have pulled the calls, they would have heard me on the phone NOT GIVING AUTHORIZATION FOR THIS. One agent did advise me, that I could go to my bank get a letter from the bank on the bank 's letterhead showing that the funds were taken, and I did not put a stop payment on the funds ( my bank could not do that anyways because it was an electronic payment ). I had the bank fax XXXX XXXX confirming the information. As of the writing fo this report I have not heard back from the credit card company. Thankfully, XXXX XXXX has opened a claim in regard to my money being taken from my checking account. However, I am a single working mom, and this was all my funds I had in my account to prepare my child for school. I need help with this matter as I feel what the agent did was not only morally wrong but illegal as well. If I would have done this, I would be facing charges in California. I had to miss a day of work to make phone calls and go to my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Content of the Complain to CFPB : In the name of my company, I have had a business checking account for over 25 years with Wells Fargo Bank. 
On and about XX/XX/2022, I found out that {$1000.00} was stolen from our business checking account with Wells Fargo Bank. I immediately called the Wells Fargo Bank Customer Service and requested to return the {$1000.00} amount back to my account. The Bank opened a case and they stated they will look into and do their best to return it back to our ending XXXX. 
The {$1000.00} was stolen from my account via " XXXX ' Transfer to a false name of XXXX XXXX. 
After some time, I received a very INSULTING letter from the Wells Fargo Bank stating that transfer was authorized. I immediately called the Customer Service of the Wells Fargo Bank and complained requesting who authorized that transfer. Even by insulating me saying that it might be you that authorized the transfer. Wells Fargo opened three cases which I have theses case Numbers XXXX and XXXX and many other cases as such all useless with no results. 
I bring to the CFPB attention the following : 1- Wells Fargo Bank as they have been licensed by the US Federal Government have completely failed to protect my funds.

2- Their line of reasoning is not acceptable, and they have failed to protect my funds.

3- Wells Fargo Bank holds all my passwords and secret information. They cooperate with the XXXX XXXX institution which I never knew about and never used them. 
4- I request the proper department of the CFPB to investigate the matter and bring a criminal case against Wells Fargo Bank to allow my funds to be taken away from my account. 
Please review my case and advise me how to recover my stolen the amount {$1000.00} from those people in Wells Fargo Bank that they are supposed to protect my money from being stolen and they failed to do so. 
Thank you for your attention. 
Sincerely yours, XXXX XXXX XXXX - Principal Manager XXXX XXXX XXXX  Email : XXXX Phone : ( XXXX ) XXXX I need the stolen {$1000.00} that Wells Fargo did not protect returned to my account.

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX A XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2021-06-01
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
Hello, I recently had a situation where an individual was soliciting people in our neighborhood to send them money for what he claimed was for charity purposes. Problem is he was not letting people go easily and I did not feel safe in the position where I was coerced into giving them money so they could leave me alone. Specifically it was {$100.00} that I sent to him from the AMEX application directly. I called AMEX and they informed me that they do not think this was life-threatening so I do not have a case to be made. My problem is I did not want to submit this transaction, but rather I was coerced into doing something I did not want because it was what I felt was safer for me. The AMEX representative insisted that he does not believe that I was in any danger and that I could have ignore this individual despite what I just emphasized about not feeling safe. He said if I were life-threatening then he could report it but he insisted that he does not think I was in any danger and offered no recourse or viable resolutions. Im truly upset with the judgement from this individual which is very unlike what I am accustomed to from this company. I hope we can correctly categorize this situation and dispute this transaction as I clearly did not feel safe in doing this transaction and the representative did say it is disputable if it were life-threatening. I hope to hear back and have a resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There are several dates between credit card company, that claim that I have a debt owed to them. As I now know that by my signature I became the creditor, I do not owe a debt and whatever payment that came out of pocket should come back to me. I have sent severals forms of negotiable instruments to each company with no acknowledgement. As per House Joint Resolution-192 declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. '' HJR-192 prohibits payment of debt and substitutes, in its place, a discharge of an obligation -- thereby not only subverting, but totally bypassing the " absolute prohibition '' so carefully engineered into the Constitution. Because of these reasons, I am making a complaint to all credit card companies that have been reporting late payments and have cause my credit score to decrease and also for not even acknowledging these facts not opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Debt Recovery Solutions, LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX says I owe them over XXXX for their truck driving CDL program but I worked for that company for months and they had me sitting around unpaid several times waiting for a trainer, waiting for a co-driver and just waiting for loads. I was underpaid and then I left 3 weeks before my contract was up because they kept leaving me stranded places while I was being unpaid and many miles away from home. They were sued in a class action lawsuit for this and for charging people for the school while under paying them. I believe I meet the requirements of the debt settlement and they were supposed to wipe away the debt of the many drivers they did this to. I complained to XXXX XXXX many times years ago when they first try to charge me with this debt and they ignored me. This debt is also over XXXX XXXX XXXX and they sold it to a debt collection agency and are now reporting it on my credit and its a debt thats over XXXX XXXX XXXX. I also think its an illegal debt. They were literally sued for this in 2020 and was ordered to pay debt XXXX XXXX for students that met them criteria. Which I should be included because I was a driver during those years, I drive through California multiple times and I was left sitting multiple times without getting paid and being forced to pay an unfair tuition that they well got their monies worth. The collection agency they sold this debt to was Debt Recovery Solutions. As a collection agency shouldnt they know about XXXX XXXX 's illegal attempts to profit off its student drivers and ruining their credit. They had a class action lawsuit, they should not be able to collect any student debt for the years listed in the class action. They were sued for it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
As I investigated my credit report, I found out that some of the information was erroneous. XXXX and TransUnion credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), kindly investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXXXXXX Balance : {$640.00} ; XXXX XXXX XXXX XXXX Balance : {$31000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX : {$310.00}.

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