BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a HSBC Advance Checking Account and a couple of Savings accounts based on their {$350.00} bonus requirements on XX/XX/2019. 

I DEPOSITED FROM XXXX XXXX {$10000.00} on XX/XX/2019 and maintained that amount and more for over 90 days. 

After inquiring about the missing bonus, on XX/XX/2019, I was sent a message by HSBC Digital Contact Center that I did not meet the {$350.00} bonus requirements because my accounts did not maintain a {$10000.00} within 30 days since XX/XX/2019. 

The Advance Checking Account has a $ XXXX  monthly fee, this fee is waived if you maintain linked combined balances of at least {$10000.00} or at least {$5000.00} with a recurring direct deposit from a third party to an HSBC advance checking account at least once per monthly cycle. 

If that was the case, why was I not charged a fee due to not having at least {$10000.00} in my accounts? 

It is because I meet the following ... 

Advance Checking Account {$350.00} bonus requirements : Open new HSBC Advance checking account by XX/XX/2019 Deposit a minimum qualifying balance of {$10000.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: OneMain Finance Corporation
State: NY
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:
This credit inquiry is unauthorized and need to be removed immediately Onemain financial inquiry from XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: JPMORGAN CHASE & CO.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by Chase Card. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Payment never late. The amount paid was incorrect by a few dollars, because of an error when paying. I was out of town and my wife made the payment ; she accidentally made the payment for a nominal amount lower than what was due. 
When the error was discovered, it was corrected immediately. Never late before or since. 
GAAP and SEC rules state that Capital One can correct this, just as I did upon learning the amount was wrong, and update my credit report to say never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
After filing one complaint against XXXX XXXX XXXX, I am now complaining about how Capital One Auto Finance is handling my payoff to XXXX and generally, my new account with Capital One. Weeks after telling me they have sent a payoff to XXXX, nothing has happened, except that now I have not one, but two car payments due in XXXX. 
The delay is costing me money in interest on my XXXX account, but also it is an outrage that I am still seeing payments to two separate companies for the same car in the same month, a total of approximately {$380.00}, with the first of the two payments ( to  XXXX XXXX still showing due on XXXX. 
I can not understand or accept why sending a payoff check and crediting it to my account can be so difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: TX
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:
Student loans are showing incorrect status. Status was supposed to update to show a positive status per telecon with 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 explanation
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
SOMEONE STOLE MY PHOTO ID AND USE MY SOCIAL SECURITY NUMBER AND OPEN SEVERAL ACCOUNT, LEASES, LOANS AND CREDIT CARDS WITH MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2019-04-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My information has been compromised and as a result someone had opened a fraudulent loan under my name and social. XXXX XXXX account # XXXX has been reporting inspire of my effort to dispute and have it removed as fraud with all the major credit bureaus.

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 2018-05-01
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have a US Bank Secured credit card with a {$2500.00} deposit. I provided notice to US Bank 59 Days Ago to close this account and return all deposit remaining. They have to this day still held all monies due me. 

They are now charging me both interest and late fees when they have already inactivated the account 45 days ago. This is fraudulent as they have stopped usage on the account and now will not refund security deposit less open balance equal to {$1300.00} due to me which includes a refund of {$18.00} in interest and {$27.00} late fee payment. The remaining balance {$1100.00}. 

They are to refund these erroneous charges and return the {$1300.00} at once. They have held this deposit for way to long and at this time they are stealing money from this consumer. I have all documentation needed to prove up both the request for closure as well as the dispute of charges with no follow-up to resolution.

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 2017-11-29
Company: PENTAGON FEDERAL CREDIT UNION
State: LA
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:
Ive contacted the companies and they havent contacted me about it

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 2018-07-24
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
amex business gold credit card. 
received invitation in the mail to apply for this card, spend {$5000.00} and get XXXX bonus points, amex has been trying various excuses to not pay out their bonus. however, during the online application, they do put up a box just before the credit check advising if they are going to go back on their promised offer for any of several reasons. this way applicant who see the box can decide if they still wish to proceed. 

they sent me a personal invitation to apply for the card and get the bonus. 
during application they did not put up the box saying I was not eligible. 

now after my spent amount they are going back on their offer saying that I was never eligible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Student loans are showing incorrect status. Status was supposed to update to show a positive status per telecon with 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 explanation
Consumer complaint received 2020-05-05
Company: Avant Credit Corporation
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
First off, I read in the newspaper that I was being sued by a debt buyer that I had never heard of, then I had a court document delivered by local sheriff of a request for default judgment request. 

I had never received any letter from this debt buyer. I contacted the court and advised I had not received any letters and that I requested an actual hearing. 

The debt collector submitted a signed affidavit that said a letter was mailed via first class mail. No tracking info could be provided. 

I asked for proof of ability for them to sue me or ownership of the debt. They sent some papers that showed they bought a bunch of debt from XXXX XXXX. Nothing that showed me or any account directly associated with me. 

We appeared in court and the judge agreed the information provided was not supportive of showing any ownership, thus not granting the default judgment they requested. However, they continue to report this on my credit report after many attempts to have it removed. 

Secondly, the information they are reporting is inaccurate. I never obtained a loan directly from XXXX XXXX and the only loan I can possibly associate with it, is from AVANT and the account numbers are the same l, but the dates do not match. 

The debt buyers date is listed as after the possible loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I recently open my restaurant on XXXX. On XX/XX/2019 i saw a charged on my account for {$200.00} i called the bank they open a case and cancel my card. I was told that i will recieved a new card im 5days new card was never recieved. On XX/XX/2019 The bank contacted me a weeek later and advised me that my chase was resolved and my funds was put back. I explain to the agent i still have not recieved my card, agent apologize and told me that i would be recieving a new card the next, the card never came after i closed my restaurant on the next day i had to go to XXXX to purchase some items fpr my restaurant i tried used my card to pay for the items and the card decline i taught to myself that not possible i had ovef {$2000.00} on my account and another {$1600.00} in my business account ( my personal and my business account are under the same umbrella ) i paid the items cash and once i got my my car i open my chase app and relize over {$2000.00} was transfer and i look ad my business account and it was transfer over to my business account from the the person stsrted swipping my card for {$600.00} {$750.00} {$600.00} several charged up to {$3900.00} i contacted the bank after being transfer several times i finally got someone to help me the agent open a claim. The next day my funds was returned a week later chase took my funds again, and this time the agent said it was me that did it and the not giving me my money back.for 3 weeks now my business have being shut down because my business account is overdrawn. I was told since its my card and my pin that was used it was me, but i explain thwt i never received the new card. I went to the police department file a report report my business in XXXX  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-08
Company: SYNCHRONY FINANCIAL
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:
I purchase a few items from Amazon online, amazon offered me discount not telling me that they actually open for me new credit card account with the synchronic bank without my consent and the understanding that this another account that I'm not interested at all! 
I returned most merchandise in the amount approx. of {$360.00} and more, Amazon personnel account consumer service from XXXX and XXXX,??? after going through my account charges and refund told me they refund me all the money, not telling me to what account they refund me the money? 
I called to the synchronic bank they told me they did not receive the refund from amazon, so someone is lying to me. 
This is a serious scam and fraud!! 
I suspect the scam is between, XXXX, Amazon consumer service, Synchronic bank, and Paypal. 
when a consumer wants to verify account correction charges and refound, consumer, become the victim of fraud by giving them round round forcing consumer to contact each institution separately refusing to make 3 way call so all side are online verifying the truth of charge and refund, there excused for that is saying its security issue, this is the way the commit the fraud depriving consumer of the truth they were out consumer in many hours on the phone like me take 10 months and over 30 hours on the phone with them and got nowhere. while on the phone they tell me to wait for few minutes while they cal to another side of this scandal then line disconnected, I call again and the round of the scam starts all over again. 
now last few months the synchronic bank report to credit bureau of my faulty debt thinking I'll be put on pressure to pay for fraudulent charges. I refuse to this extortion!

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 2017-11-25
Company: Experian Information Solutions Inc.
State: TX
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 sent dispute letters via mail in online to XXXX XXXX and Experian, each of them the sent me results with in five days saying investigation is complete but I do n't understand how you can complete a ingestion with in 5 days. I was apart of the XXXX data breach in it is a lot of stuff on my credit report that does n't belong to me. in the following is as listed XXXX XXXX 's XXXX XXXX XXXX XXXX and also 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 explanation
Consumer complaint received 2018-07-24
Company: SIMM Associates, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company called looking for XXXX. I dont know a XXXX but I do have a son named XXXX. They said it was a personal business matter and insisted that I pass along the information and read back the phone number to them. By the time I realized that this was a collection agency calling me about someone elses issue. And by telling me the name of the company they disclosed the nature of the personal business. Anyway. There you have it. They have no business calling me and Im not sure how they got my number, Ive blocked them. 

SIMM associates is a scam the number they called from XXXX doesnt even match the number she gave me. So ... is she just a thief or a con artist? 

Thanks -

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a homeowner, financed by Ocwen. I lost my job in XXXX, applied for mortgage assistance and XXXX ; both through Ocwen. After many tries, an intent to forclose was filed. Months later a trial modification was approved for XX/XX/XXXX ; which continued payments through XXXX. After this period the modification was denied. About 3-4months later, Ocwen called to say they would reconsider a newly filed application. This was approved for trial XX/XX/XXXX ; and to resume payments. XX/XX/XXXX Ocwen told me that FHA Regulations would not allow for modification. Each arrangement ended with a refund of mortgage and overpayment of escrow. I am now facing forclosure again. I have been working with HUD counselors throughout the process. Please advise me. 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 2019-04-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There are several serious issues with this mortgage and foreclosure : 1. The mortgage contains the wrong legal description. This would effectively invalidate the conveyance of the lien to the property. 

2. The note contains former XXXX XXXX VP XXXX XXXX. It is a matter of public record that XXXX XXXX left her position at XXXX  XXXX XXXX   in XXXX of XXXX. There is no way she could have legally endorsed my note after the loan was consummated in on XX/XX/XXXX or before XXXX XXXX was put into FDIC Receivership in XXXX of XXXX. 

3. The mortgage assignments indicate the loan was assigned from the FDIC to XXXX XXXX on XX/XX/XXXX. XXXX XXXX claims they were acting as Attorney-In-Fact for the FDIC. However, their right to act as Attorney-In-Fact for the FDIC expired on XX/XX/XXXX. 

4. SPS claims they received servicing rights in XXXX of XXXX when the loan was still allegedly owned by XXXX XXXX. They were also the servicer of the loan when the loan was placed into the XXXX XXXX. There are two issues with this. The first being that it is against REMIC rules to place a defaulted loan into a Trust. The second issue is that it is also a violation of REMIC rules to place a loan into an XXXX XXXX more than 90 days after the closing date of a trust. 

5. SPS and their attorneys, XXXX XXXX are unable or unwilling to supply a complete transaction history. A complete transaction history is needed to validate the dollar amount of the debt. In order to foreclose, a lender must be able to validate the dollar amount of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Bread Financial Holdings, Inc.
State: PA
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:
Back in XXXX I sent my credit card company a hand written letter in much detail about charges I did not make. After a month or so they tell me I did not send enough information. 
I sent them exactly everything I could including dates, amounts, why I was disputing it. 
I simply had no more info. They tell me they will issue me a temp credit while they investigate which they never did. More time passes and they keep telling me they are investigating. They tell me with no reason it is closed. I am told I can re-issue the dispute which I did again and they will not tell me anything. 
I keep getting the run around. I am out of options and will not pay disputed amount and am afraid it will affect my credit in a negative fashion.

Company response to consumer: Closed with explanation