BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a promotional card in the mail to open an account put {$1000.00} in and leave it in for 6 months and get a {$200.00} bonus. I did this and never received the bonus. The offer was received in XX/XX/2021. 
I spoke to the girl that opened the account and she said she did not know what happened and never got back to me. I asked to speak to the branch manager and never got a response. I closed out the account in XXXX it was making me too upset to deal with them. 
I want someone to know what is going on with the scams and the horrible customer service from Citizen 's Bank XXXX XXXX XXXX in XXXX ct

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, 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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My Chase business account was closed without my knowledge sometime in early XXXX. 

It has now been over a month of calls with the Chase Fraud Department and visits to branches as directed by the fraud department and Chase is still holding {$1900.00} of my money hostage. The fraud department says I have to prove the checks that were canceled were mine in order to release the funds in my account ( even though the account balance is not funded from the canceled checks ). 

All return check fees were payed from my account. All funds from the checks that were sent back were still in the account when they were returned. In other words, I dont owe Chase any money.

I also provided proof that the checks that were canceled were indeed written to me. But now they are saying the person that wrote the check needs to come with me to the branch in order to get my money. 
The checks are cashier 's checks written by the XXXX  of New York. Brining the comptroller of XXXX into the bank with me is not possible. 
And besides all that.. the funds in the account are NOT from these checks that they are harassing me over. 
the account is closed. I do not want to do business with them. all I want is my money. simple.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, my account was hatch in which all my funds were taken out my account. I Contacted Chase Bank in which I was issued a new card and was told i was victim of bank fraud. I put Claim out for the Funds. 
When my card came in the mail I never activator it. On XXXX XXXX All my funds were gone again. {$290.00} were gone. I fled another claim in which Chase put the money back in my account. I was reach by the Chase fraud team. In which they advise to to go in person to back to close out my account and open another one. They also advise me to go over my account with them. They discover I had five XXXX XXXX attached to my account I dont have anything XXXX  never had They took off. 
But Chase took the Money back and will pay my money back. I never made these purchase. I never use XXXX. But Chase will not believe me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-13
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I received my credit report in XX/XX/XXXX, I noticed a old debt from Chase Card for the balance of {$1400.00} dating back to XXXX. I contacted the company via postal mail in XX/XX/XXXX, stating I do not feel that I owe this debt. After 3 months, I received a letter simply stating my debt was accurate. No further explanation was given. In XXXX, I sent the company another letter stating I required proof to accept the debt as mine. The company then sent several of the same blank forms for me to fill out information, including social security number, updated address, phone number and signature. I did not feel comfortable giving this information to a company that is reporting an 13 year old debt on my current credit report and has repeatedly ignored my request for proof of accurate debt owed. This mistake is unethical and hindering me and my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have twice asked for inquiry about two debit card purchase on my checking acct statements. Both requests for reimbursement were denied and considered " non fraudulent ''. 
However, the two DBT purchase were both made using XXXX XXXX transfer service. 

XXXX. XX/XX/XXXX {$53.00} XXXX. XX/XX/XXXX {$500.00} In both these transactions my wife and I can not see any way we made these debit charges, nor any goods we purchased in this way. We had used our bank debit card in travel, which we rarely do. Perhaps that was the point where our debit card # was compromised. Of course we obtained new debit cards and I even changed my pin. 

But Citizens Bank refuses to consider these charges as fraud, after two internal inquiries on their part. So we have currently lost over {$550.00}, and Citizen 's Bank could care less!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The applicable loan is collateralized by multiple properties. Paragraph 18 states the process for releasing a single property. On multiple occasions over the past month I have requested a payoff statement for the release of one property, specifically, XXXX XXXX XXXX. Representatives of the lender first said that it could not be released, which is clearly incorrect. Next they said that it could be released but send a letter setting requirements or release that are not in accordance with my promissory note. On or about XX/XX/2021, I spoke with a supervisor who, after actually reading the promissory note, told me to ignore the letter and explained that he would expedite it for a correct payoff quote on only the parcel to be released rather than the full loan payoff. On XX/XX/2021, I called back to follow-up. I was connected with another supervisor who said that the first person escalated the matter to the wrong department and so no action had been taken on the request. This new supervisor explained that he was escalating it to the correct department. Unfortunately, I have not way to confirm whether it was done correctly this time or not since each representative or supervisor that I speak with seems to provide a different answer. I need this matter resolved by someone who can review and understand the terms of the note and can provide a payoff to give me the exact calculation of the amount in paragraph 18 ( f ) of the promissory note that is good for at least 30 days. 

I have attached the applicable pages on the note to this complaint. I am happy to provide the whole note, however, the file was too large to upload on this complaint portal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: STERLING JEWELERS, INC.
State: UT
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:
Kay Jewelers is reporting a debt on my credit file that I need removed. I have called multiple times to them and their third party XXXX and every time I call they said they can't find me in the system. However, the continue to report this debt on my credit file and I do not owe it. At this time I am asking that Kay Jewelers send me validation of this debt. I am requesting proof that I am the party you asking to pay this debt and that there is some contractual obligation that is binding on me to pay this debt. I am not requesting for verification but validation. I will also inform you that if you continue to report invalidated information to any of the three credit bureaus, this might constitute fraud under both federal and state laws. IF any negative mark is found or continues to report on my credit I will have no choice but to contact the Attorney general of my state and consult for legal suite .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XXXX I sent Disputes to deleted all unknown and inaccurate accounts on my credit report but today is over 30 Days but there's still no response. I am a victim of XXXX  Data Breach. I demand to deleted all the accounts or I will file a litigation

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 2023-03-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
From the dates XXXX through XXXX, multiple ATM withdrawals took place of large amounts. 2 checks were deposited into my account that i did not authorize or deposit, and those checks were then withdrawn through multiple ATMs. A total of {$21000.00} were deposited on XXXX different checks that were not authorized by me Wells Fargo took some of my information and grabbed the account activity, which 2 weeks later they told me the fraud claim was declined. I called them and they then took more personal details ( hair color, height, weight, race, age, facial features, etc ). I just received another decline on the fraud claim after they did their further investigation. Ive never had any account activity like this since ive banked with Wells Fargo over 10 years so this shouldve raised red flags to them, but it did not and now they are penalizing me with owing the money that was withdrawn after the check was deposted.

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 2021-12-02
Company: Business & Professional Collection Service Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My client sent several requests to Hospital Collection Services on my clients medical debt that was reporting on her credit reports. First written request was on XX/XX/XXXX. After thirty days of no response, I see they violated my clients rights under FDCPA to request verification on information reporting on her credit reports. As there was no response, I sent a letter to the credit bureaus dated XX/XX/XXXX by mail requesting the validation of the debt. By XX/XX/XXXX neither company responded, so I decided to send a follow up letter to Hospital Collection Services letting them know that they were violating her rights under FDCPA and FCRA. By XX/XX/XXXX I received a statement that was vague with no signatures, no HIPPA release as requested by my client.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: CA
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:
i am a victim of identity theft, i never opened these accounts 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 2021-06-04
Company: AMERICAN HONDA FINANCE CORP
State: MA
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 paid off my Lease with Acura Financial. In fact I overpaid and was issued a refund by because I over paid. At that point I believed I was done with the lease. I was subsequently billed for excise tax a month after I traded in my car. I was not aware of this bill. I did not find out about it until I received an alert from XXXX  Honda refuses to remove the late credit report mark. I paid off my lease. I had a XXXX balance after they refunded my over payment. I never received the subsequent bill. XXXX XXXX  told me to keep my plates because all the offices were closed due to the Pandemic. I want them to remove the late payment from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
The account in question in discussion is Capital one Bank Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX I was sick with XXXX I was unable to make that payment.. When I was well enough to work I did make the payment immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
Complaint filed through this page. The XXXX XXXX XXXX accounts listed on my report were opened more than 10 years ago. I expect these accounts to be removed from ALL credit reports. All accounts listed on report after 7 years is against the terms of agreement. This needs to be done ASAP and written actions be mailed to me to retain for my records. If a accounts are not removed from all 3 credit bureaus I will take legal action against the current holding Company.

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 2018-03-04
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My husband and I bought a XXXX XXXX XXXX from XXXX XXXX in XXXX, XXXX, in XX/XX/XXXX. We were financed by Santander Consumer, USA. We recently went to a car dealership ( XX/XX/XXXX ), hoping to either refinance our vehicle or be placed in another vehicle because we were making steps to clear up our credit. The manager from the car dealership ( XXXX XXXX XXXX ) came out to speak to us, which I thought was strange. He stated how out of all the years selling cars, he had never seen anything like what he was seeing with our loan from Santander. Our payoff amount is {$22000.00}. We purchased the vehicle ( 3 1/2 years ago ) in which our loan was approx {$23000.00}. Unbeknownst to us the 39 payments that we made from the beginning of the loan, approx {$18000.00}, went solely to interest and only less than {$500.00} went towards the principle of the loan. We spoke with a manager from Santander, XXXX XXXX ( ID # XXXX ) who told us that our contract has a simple interest rate loan, where we pay an enormous amount of interest each day our loan is late. Yes, we have been late in the past. However, within the last 12 months, we worked consistently on our payment, making sure nothing hit our credit. We were never late past the 30 days. We feel like we have been XXXX, manipulated. Yes, we might have been ignorant in going into this contract with Santander. Having a loan for almost 4 years, yes late many times, yes we put some payments towards the end of the loan, BUT $ XXXX WOW!! That's a lot of money, especially when 82 % percent of the payment goes to interest, leaving only {$160.00} going towards principle. Very upsetting and frustrating especially when we are at the verge of getting approved for a loan for our house and the only hardship is now that of this vehicle. Is there anything that can be done? Please help and/or assist us regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: SOUTHSTATE CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX my bank allowed someone else to say what checks wrote on my account could be paid and which ones could not be paid. 
I told the banker that I knew about this check and I okayed the check to be paid. The banker stated to my sisters the only way they would unfreeze my account was if I took my niece off the account. I said I would not do that. My sisters then removed my niece and added their selves to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My roommate pays me $ XXXX  monthly for rent, and has done so since XX/XX/2019. But for the last two months in a row, Chase Bank has placed a 10-day hold on her rent checks, forcing me to scramble when the rent comes due. When I contacted Chase to fix the problem, they would not tell me why the hold was placed, only that the funds weren't available yet and the rest was confidential. My roommate contacted her bank, and the funds went through within hours of the deposit being made in both occasions. Yet, Chase still will not release my money. I am frustrated and am wondering if this is even legal for them to do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
My name is XXXX XXXX, on XX/XX/XXXX I go to the XXXX company to buy a XXXX  car that I saw on the website for {$21000.00}, the seller XXXX XXXX confirmed that that was the price, for the hour they brought me the XXXX XXXX car I went to work and on XX/XX/XXXX I went to pick up the contract, on XX/XX/XXXX I communicated by email with the seller XXXX indicating that he is not satisfied with the contract, he told me to please go to the store to explain, I went to the store on XX/XX/XXXX told me that there was an error, it was charging me USD XXXX for maintenance plan, that they would call the bank to fix this and send me the new contract. 

Days passed and I had no response for the e, XXXX, he sent an email to the seller and he did not respond, on XX/XX/XXXX I sent him a text message on his cell phone, I asked him if they had any answer, he told me that his financing The manager told him that it was already resolved and that the bank had already deducted it, that they did not have that document because it is a correction and that the bank has it, which is not true. 

I receive the account statement, monthly payment {$470.00}, I contact the bank and they tell me that the debt is for XXXX, you sent that agreement. 

It is not the first time that I buy a car with this company, this is the fourth car and obviously the last, I feel cheated and discriminated against for being XXXX, if you say a price on the web you can not charge USD XXXX XXXX more in taxes and others expenses They charge me for things that are not correct, they put XXXX dollars in maintenance plan that they have never charged me before in previous cars On the website it says a price and at the time of settlement they give you another, they do not know how to explain why the extra charges, taxes and services can not charge more than {$7.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: MARINER FINANCE, LLC
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Account reported closed and still being charged monthly to my credit report. A recent report of a increase in {$79.00} was reported on XXXX/XXXX/22.

Company response to consumer: Closed with explanation