BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-24
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I filed a complaint with the cfpb concerning a mortgage loan application ID for complaint : XXXX against Huntington Bank. XX/XX/2021. 
I received an email from a law firm containing a letter stating I am to " Cease and desist order '' from entering into any Huntington Bank Branch Office or contacting / speaking to Huntington personnel '' I called leaving a message for the attorney, XXXX XXXX on XX/XX/2021 She called me back and I explained that Huntington is our bank and our direct deposit Social Security XXXX and VA compensation checks go there and our Bills are auto paid out of our accounts. I said, " We have to have access to our accounts ''. She declined to listen any further and ended the call. 
I assume Huntington Personnel from the mortgage loan department contacted the Huntington legal team after the found out about my filing the complaint against them with the cfpb. I'd also like to note that the attorney, XXXX XXXX insisted I had made threats against staff and when I confronted her on that statement she changed her wording to say " I acted unprofessionally with my comments in phone calls and emails. '' I replied, " No. it the loan people handling my loan who acted unprofessionally by screwing up my loan 9 consecutive times and then blew me off without correcting the problems ''. 
The Huntington Bank and their Law Firm have unjustly blocked us from accessing our banking accounts at branch offices and from doing our usual banking needs for daily life. They did this, in my opinion, as a form of retaliation for my having filed complaints against the horrific way they treated us when applying for our mortgage loan. They are at this point literally holding our money/bank accounts hostage. They've placed us in a situation of not accessing our financial banking abilities and doing daily banking needs. 
I explained the XXXX XXXX, attorney, I had only had contact with mortgage loan staff at the Saline Branch and there are many other branches I could go to besides the Saline Branch. That was my attempting to compromise. That's when she discontinued our telephone call. Point of interest : XXXX XXXX, stated, after I pointed out there had not been any threats made to anyone, She said, " I used unprofessional communication ''. That more-or-less amounts to saying that I voiced my opinions and detest for in which the way they mistreated us during our loan process. IT DOES NOT CONSTITUTE a blocking of access to our Bank Accounts in a branch office. As I stated " I told XXXX XXXX I didn't need to use the XXXX Branch but I did need to use on of the other Bank Locations. This is another example of badly the Huntington Bank personnel are treating us. IT IS DISCRIMINATION and VIOLATES OUR CIVIL RIGHTS and the RIGHTS OF taking advantage of TWO XXXX PERSONS. They have violated our right to do fair and honest banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
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: Account information incorrect

Complaint:
I recently during the pandemic fell behind on my payments due to financial hardship and the fact I just had a child. Prior to my initial missed payments I had a good payment history and even after those missed payments I kept up with payments. The payment that was missed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were only due to a real natural hardship and the pandemic that took place and I beg that you forgive them being that I have good track record and the account is already considered paid and closed. The missed payments are also affecting my ability to obtain more credit and is hurting my financial reputation.

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 2019-01-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax had a data breach in XX/XX/XXXX in large part because it maintained consumers ' credit and personal information in a negligent manner. Initially, Equifax offered a free credit monitoring services called XXXX   XXXX. In the fall of XX/XX/XXXX, Equifax notified me that it was ending XXXX and offering me a free alternative credit monitoring service called MyEquifax. However, Equifax stated in the FAQs about this change that if anyone had a freeze on their Equifax credit file, that freeze would be unfrozen when XXXX was ended. As one who has maintained a credit file freeze for the last 20 years, I was effectively forced to enroll in the free MyEquifax program to restore the freeze on my credit file. Unfortunately, the MyEquifax software did not and still does not work to restore the freeze on my Equifax credit file. In addition, the work-arounds Equifax offers to consumers when the software does not work also failed because the Equifax customer service staff members also can not get the software to work to re-freeze my Equifax credit file. Yes, Equifax customer service staff members talked to me on the phone and sent a special PIN through the mail, but that did not enable me to re-freeze my Equifax credit file and the Equifax customer service staff also could not and can not re-freeze it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For several months, I have disputed this creditor XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX  {$3000.00} I have sent letters to XXXX  and neither parties have responded to these disputes. 

I sent letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX to XXXX about the Validation of this account. 

I am requesting for XXXX XXXX  XXXX XXXX XXXX  to delete this account off of my XXXX  report. It is not my debt and this creditor hasn't send any documents validating that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
On XX/XX/18 I called NetSpend activation line provided on a newly purchased ( $ XXXXusd ) prepaid card. I was informed that I needed to verify my identity and proof of address by emailing a pics of a state issued ID card, social security card, and proof of my physical address of which they sent a list of approved items that they would accept. The first time I responded with pics they accepted all but proof of address saying that the letter was still in its original windowed enveloped and wasn't acceptable that way and that thy need to see the full with all four corners to verify its authenticity. So I did. The excuses I have received since then are as follows. 
1. address was out of focus.

2. item wasn't on the approved list ( even though it was ).

3. reference number wasn't correct.

4. faxed approved item wasn't original but a reproduction.

5. faxed item was out of focus. 
To date I have emailed 3 different approved each one at least twice an have faxed to different items both twice and they themselves have mailed me a personalized credit card to my physical addressed which I have tried to activate yet still they refuse to activate so I can access the {$30.00} I put on the card over a month ago.

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 2018-02-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXXwe signed a modification with XXXX XXXX XXXXXXXX under the program of NV Hardest Hit with the purpose of receiving long term financial relief. The agreement among the Hardest Hit program and the lender was from the program to pay the lender toward the principal {$50000.00} and the lender to match other {$50000.00}, consequently, reducing from the principal balance {$100000.00}. According to the figures drafted by the bank the principal was {$220000.00} which represents an inflated principal from {$210000.00} to {$220000.00}. A total of {$130000.00} of the new principal balance shall be deferred. The total deferred principal balance will be treated as non-interest bearing principal forbearance and I will not pay interests of make monthly payments on this amount. The new principal balance less the total deferred principal was {$90000.00}. The standard contingent forgiveness principal balance total {$38000.00} all of which the lender agreed to permanently reduce and forgive the total deferred balance. XXXX XXXX XXXXXXXX, intentionally and maliciously offered me a second modifications that according to them was for my benefit on XXXX, and without disclosing to me the terms change of the loan offered me a 3.5 % interest a reduction of 1 % of my previous modification interest bearing, with the deceiving trick of taking away my financial long term relief from the modification of XXXX. They took away my benefit of having the {$38.00}, XXXX forgiven. And without disclosing this terms change to me and hidden the paperwork from my review they added this amount to the new principal balance making up to {$120000.00} which makes harder for me to pay the loan. This modification shouldn't be enforced because we signed the papers on XX/XX/XXXX and the bank rep on XX/XX/XXXX which it was not provided on the required date before XX/XX/XXXX. Consequently, this makes this second modification void, the first one of XX/XX/XXXX is active. XX/XX/XXXXXXXX clearly tricked us because we are elderly and minority. The NV Hardest Hit program was a great benefit to give us the opportunity to stay on our house and have a long term financial relief. The behavior of XXXX is clearly of a predatory mortgage lender. After the illegal change of my loan terms they passed the loan to one of their servicers XXXX, and presently to Bayview with the purpose of keeping me on the loop after inflating my mortgage loan and making more difficult for me to pay the entire mortgage loan and for they to repossess, sell, and make more profit. They transfer the loan one month after to XXXX which behavior showed that the purpose all the way from XXXX was to forclose on us by having XXXX to refuse payments until one day that they sent a threatening letter talking about forclosing and imposing more fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
USAA has engaged in predatory and harassing behaviorism an attempt to force me to pay impossible payments, beyond my income capability. They call and harrass me four or more times a day, and will not work with my limited income - even though I have requested this since XXXX. They have changed my required payment up and added fees making it impossible to get out from under this debt despite paying {$100.00} a month from my low income. They also allowed a bogus charge against my account through a fraudulent XXXX account to pay for a boosted post on XXXX back in XXXX. A third party charged my account without my authiruzatiin, or permission. I would like damages and Attorneys fees to be paid by USAA credit card, for predatoey behavior leading me to suffer from intentional infliction of mental anguish. And possiblt adverse credit reporting. USAA has refused to work with me in resolving this issue ( letter on file ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 Transunion a letter notifying them about 4 unauthorized addresses, 2 unauthorized phone numbers and 4 unauthorized regular inquiries which do not belong to me. I attached a recent report outlining the unauthorized items. On XXXX, my letter was delivered to Transunion according to the green return receipt card. On XXXX, Transunion sent me report # XXXX dated XXXX with dispute results which clearly shows Transunion is continuing to report 2 unauthorized addresses and 4 unauthorized regular inquiries which is against federal law. They have failed to delete the 4 unauthorized regular inquiries and 2 unauthorized addresses. I have attached a copy of the letter Transunion received dated XXXX, a copy of the USPS certified mail receipt dated XXXX, a green return receipt received date XXXX and the updated Transunion credit report # XXXX dated 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 2016-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
XXXX never even sent me a letter saying that this debt was owed or where to send a payment to. There was no contact between me and this debt collector then all of a sudden on day out of the blue I recieve a court summons saying I am being sued. I was never given a chance to work out a payment areangemen ( which I would have done ) or anything of the sort. Now I have to pay the debt plus court fees and the laywer is telling me even if we dont go to court on this it will still show as a judgement on my credit. This seems unfair to me as I was never properly notified of the debit to begin with! How is it legal for them just to do this to people?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
In 2007 the credit card company filed a court complaint against me for monies owed. XXXX law firms later, the latest attorney contacted me for settlement, and I counter offered. 
Today this law firm has gone into my personal checking account and withdrawn a sum of money, I presume in attempting to start a payment process. 
I did not agree to this amount nor did I give them access to my account, or know anything about any possible withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A multitude of " Inquiries '' are listed on my consumer report that are allegedly the results of consumer credit transactions. 

I did not consent, authorize, and/ or grant permission to XXXX XXXX XXXX XXXX EQUIFAX XXXX or any other Credit Reporting Agency to furnish these inquiries on my consumer report, which constitutes Identity Theft. 

In additoin : Pursuant to 15 USC 1681a ( e ) A consumer report, or portion thereof shall not include specific factual information obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Experian Information Solutions 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
Approximately 8 months ago, I requested that all credit bureaus did not sell or release my credit information to credit companies in order for them to solicit my business. 
this complain has 3 parts 1 ) I am still receiving such solicited letters on the mail 2 ) my credit score went considerably down from the XXXX to XXXX after my request was done with the 3 credit agencies, this is troublesome to me, it seems if the credit agencies can not make money out of your credit report, they lower your scores, if this agency takes a look at my credit report history, it will see what I am taking about, credit companies should not be able to do what they please with the credit of citizens, I feel this is an unfair practice, credit reporting agencies have to be fair on reporting everyone 's credit. 

3 ) since I requested for my credit information not to be sold, even though I pay my credit card balances in full every month, instead of the credit agencies reporting a XXXX carrying balance, they are reporting new transactions not paid prior to due date as a non paid balance from the previous month, this is causing damage to my finances.

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 2018-02-22
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have 2 loans with Conn 's. They start your loan out with no interest loans and then they switch your payment amount in order to earn more interest. I was told 3 different amounts today on 3 different phone calls. They tell you you have a 10 grace period before late fees begin. Today I received an email telling me tomorrow I will incur late fees at 7 days! When you call to make a payment, they will tell you a different amount to prolong your loan. They have many complaints on the internet regarding shady practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I called their office of the President, but I'm not waiting for 5/3rd 's internal investigation to wrap up. Every experience I've had shows that multiple agents from the company are acting in bad faith. As such, I'm making a record here, too. 

In my last complaint, XXXX XXXX XXXX response was fair, but, given the behavior of everyone else I've met at 5/3rd, she's the outlier. 

Today, with her letter in my hand, XXXX at the XXXX branch refused to open an account for me. He explained that since I was only there to redeem the promotion, he was in the right to refuse. He quickly showed me the door. The letter from XXXX saying otherwise carried no weight. 

In XXXX, I had an experience prompting my only other complaint ever. That experience resulted in the letter from XXXX. In that experience, the agent at a different 5/3rd branch told me that many branches don't honor the promotions that are mailed out. This makes me believe that it is widely known within the company that they mail coupons they have no intention of redeeming, or only redeem if the customer " buys more. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: MOHELA
State: PA
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:
I was recently accepted into the Public Service Loan Forgiveness program, and was instructed to make my payments as usual to my current student loan servicer ( Mohela ). 

On XX/XX/2018 I made an online payment to my student loan servicer, Mohela, for {$830.00}. I received an email confirmation of the received payment that same day. 

Mohela processed this payment on XX/XX/2018 and {$830.00} was withdrawn from my XXXX checking account. 

My student loans were then transferred to XXXX XXXX on XX/XX/2018. The payment of {$830.00} that was made to Mohela on XX/XX/XXXX was not transferred to XXXX XXXX. 

On XX/XX/2018 I was notified via mail that my student loan had successfully transferred to XXXX XXXX. I also received a notice via mail on XX/XX/2018 that my XXXX payment was past due. The scheduled payment date listed for XXXX XXXX was XX/XX/2018. 

Upon receipt of this notice, I called XXXX XXXX immediately to resolve this situation. The service representative informed me that any payment I made to Mohela in early XXXX should transfer in a few business days and be applied as a credit to my XX/XX/2018 payment, but that I will need to make a payment that would cover both XXXX and XXXX. On XX/XX/2018 I made a payment to XXXX XXXX for {$1600.00}. 

As of today, XX/XX/2018, I have yet to receive notice and application of the transfer of funds I paid to Mohela for XX/XX/2018. At this time, I am currently being billed for {$830.00} for XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation