BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-30
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
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:
I have a Home Equity Line of Credit with a {$0.00} balance at Huntington Bank. On XX/XX/2020, a representative from Huntington Bank ( named XXXX ) called and stated that my account would be closed. He stated that a form would be sent to me, which would need to be completed to keep the account open. The form was emailed to me but I did not complete the form. For the next 48 hours, I received multiple calls from aggressive sales people claiming to be from Huntington. 

On XX/XX/XXXX, I called Huntington customer service directly to discuss the situation. The representative informed that someone had attempted to open a home mortgage on my account and that my existing account was not scheduled to be closed. The representative also stated that the application for a new loan would be cancelled and that their security team would get back to me to discuss the situation. Thereafter, a letter was mailed and received on XX/XX/XXXX, which showed that a credit inquiry was conducted and sent to XXXX. This was done without my authorization. No one from Huntington has contacted me since these events.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: UMPQUA HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Account balance of {$2000.00} is locked up and not given access by the bank. It's been on hold since XX/XX/27 and phone calls have been futile. 

Requesting to escalate the issue goes nowhere and they ask to go into a branch XXXXmiles away from my residence and they are only open Mon-Fri for five hours a day during my working hours for which I can not leave nor take time off. 

I had initiated a bill pay check for {$2000.00} to my landlord, and UMPQUA issued and mailed out the check. But I am now informed the check bounced and now I'm being charged late fees and returned check fees. Why did they give the premise of available funds by sending out the check then? 

They also refuse to close my account and mail me a check for my funds per my request. The account was funded with an opening deposit from accounts in my name, the funds are rightfully mind and they have no right to hold onto the 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 2019-08-22
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage lender adjusted estimated amount needed for escrow-did not provide one-time payment option. Mortgage lender did not timely process the request for escrow removal from the account. Mortgage lender then treated timely auto-payment as insufficient and did not apply to principle and interest of loan. Despite having been contacted via telephone by borrower claimed payment received over 30-days late to credit agency.

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 2022-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America been a customer for 15 years. On XX/XX/2022 I took XXXX XXXX  all hundreds to the bank to deposit. I used the ATM you can deposit up to 75 bills at a time. First deposit was {$4400.00} no problem second deposit was for {$7500.00} machine stops working and spits out receipt that reads second deposit credits me {$3700.00} a difference of {$3800.00} ... We apologize for the inconvenience. we created an issue record that will be attached to your transaction. Please retain your receipt until you have spoken with an Electronic claims associate. they can be contacted at phone # to resolve the issue. I call no problem sir they put the {$3800.00} in my account within 48 hours it took 96 hours but everything was correct so I was fine. Then on XX/XX/2022 I get a letter stating they only found {$800.00} of my {$3800.00} and that they would be taking {$3000.00} from my account on XX/XX/XXXX and the case is closed! So I closed all my accounts asap and moved to the credit union. On XX/XX/XXXX I got a letter that I owe {$3000.00} and my accounts are all closed. I know for a fact I had XXXX XXXX  and came home with {$8100.00} so I deposited {$11000.00}. Bust out the cameras and see me in court!

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 monetary relief
Consumer complaint received 2022-08-26
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I began talking with my loan company in XXXXXXXX XXXX XXXX regarding my issues making payments. I can not afford XXXX XXXX monthly payments. I told the dealership this and they stated Bridgecrest would be able to work with me on changing my monthly payments and the amount. On XXXX  XX/XX/XXXX I spoke to a representative that was supposed to help me adjust my payments or at least see if it was a possibility. I waited over a week for a response and got nothing. I called again on XX/XX/XXXX and Im being told theres nothing they can do to help. Ive expressed countless times that I am not able to pay XXXX XXXX monthly for the vehicle and theyre refusing to help. Not only that but I was also told for the first time that my car was potentially going to get repossessed because I didnt make a full payment. When I called in XXXX I was told as long as I made a payment of some kind I would be in the clear. Yes Id be behind technically but Im still making payments towards my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Citibank Credit Card - I had both a Flex Pay ( fixed monthly payment and fixed interest rate due to be paid off in XX/XX/2023 ) and a deferred interest balance amount on my credit card. The deferred interest of {$0.00} interest plan was due to expire on XX/XX/2023 if not paid in full. On XX/XX/XXXX, the payment due date, I made a payment online and choose the payment amount option : " Adjusted New Balance + Flex Plan monthly payment - includes monthly Flex Plan payment amount and the non-flex plan portion of your last statement balance, it does not include Flex Plan payments due in future months ''. I paid the balance transfer amount in full listed on my statement as " Adjusted New Balance '' and the Flex Payment amount. Per the payment allocation regulation of 1026.53 ( b ), the payment should've been allocated to pay off the deferred interest balance transfer in full and the amount due for one monthly Flex payment. It was not allocated in this manor. The total was applied and paid off the balance of the Flex Payment plan which had an interest rate of 8.99 % and left a balance on the deferred interest balance. I have spoken to two different CITI customer service agents, one being a " manager '' named XXXX on XX/XX/2023 and yet the payment allocation was not and has not been corrected. On my next statement of XX/XX/2023, the standard purchase rate was increased by 2 % to 24.99 %, the flex pay interest rate from 8.99 % to 24.99 %, and an increase to the Balance Transfer rate.

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 2021-11-29
Company: Experian Information Solutions Inc.
State: FL
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:
Received an invoice from XXXX XXXX XXXX in XXXX, Florida for " Emergency Services '', indicating the service date was XX/XX/2020. During this time I was covered by health insurance with XXXX XXXX XXXX of Washington. XXXX XXXX XXXX neglected to bill XXXX XXXX XXXX and has reported this invoice to XXXX, XXXX, and Experian as unpaid medical debt. This is severely affecting my credit score and has caused me to pay higher interest rates on my mortgage and car loan. I have attempted contacting them and working this out to no avail for nearly 4 months now. Please help me. 
There are two credit agencies reporting for the same date of service ( XX/XX/2020 ). One reported to XXXX is for {$1500.00} and another to XXXX XXXX for {$1100.00}, which is actually a radiology bill from the same date of service, XX/XX/2020. Neither of which have been able to provide any proof that this is actually a valid debt to begin with. They have provided no documentation with my signature or identification.

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 2018-11-24
Company: JPMORGAN CHASE & CO.
State: CO
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:
Purchased a XXXX XXXX XXXX on XX/XX/XXXX for {$26000.00}. 60 month loan by Chase Auto Finance. Contacted Chase at the end of the loan term for a pink slip to my car. They claimed I owed them 9 months. After several calls they claimed I owed them {$4800.00}. I was never sent any back-up. Not by email nor by mail. Not one letter. Not one phone call. I contacted them numerous times for over 12 months. I sent emails and made phone calls. There is recorded evidence of both. I was told in a recorded conversation that this loan was now a Charge-Off. And was told there was no further action needed except that I was to pay off the balance in full. I spent months trying to negotiate a payment plan. They refused any payment offers -- only if I made one payment in full. I sent emails that included proof of insurance and that I was keeping up with car repairs, oil changes, etc. I sent emails of appraisals of major work that needed to be done on the car. More then one year later I began getting harassing calls at all hours. One was threatening " You know who I am, you know what I want ''. I reported the call to Chase Auto and filed a complaint with the police department. Several calls were made to family members including not only my XXXX year old mother, but an Aunt and Uncle in another state. One day in XX/XX/XXXX they entered a private, secured and gated garage illegally ( by following another car into the garage ). They took my car. It took me two days to find the car ( according to Chase they couldn't figure out who had it ). I was never sent a notice with intent to repossess. I was never sent any notices by Chase. I was sent a notice dated XX/XX/XXXX which I did not receive until XX/XX/XXXX that they would sell my vehicle within 6 days. I owed {$4800.00} and they sold it for {$6100.00} and still they are claiming I owe them money. 
I had 4 previous XXXX XXXX leases without one issue or one problem. Only with Chase Auto was there a problem. 
I am currently forming a class-action suit for Illegal repossession + violations against debt collections act + violation of Colorado law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was approved for a loan by XXXX for XX/XX/XXXX for {$4700.00}. During this time, I've made timely payments. I have not been late but have been marked as late by the timing of the due payments installments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The account has been paid in full by XX/XX/XXXX but has 3 late payments. I've tried several attempts to have XXXX correct the payments as well as dispute the erroneous information with the 3 credit bureaus. XXXX has not made any attempts to correct this and " validated '' the late payments although they were made on time.

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 2018-11-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2018, in obtaining and approving a car loan from XXXX I was provided with documents that show my credit score from XXXX indicating a score of XXXX which ranks higher than 97 percent of U.S. consumers. Copies of that score are attached hereto. 

On or about XX/XX/2018, I applied for a XXXX credit card and was denied due to race. I received a letter from Citibank / XXXX that indicated delinquent credit obligation. This is false as that was disputed with XXXX as the charges were reported as fraudulent. Copy of letter attached hereto. How can I have such a high score if that wasn't true? 

I have a credit score higher than most Americans and I was denied a credit card. This is shocking and can only be described as racial discrimination. I fought for my country and almost died only to be discriminated by Citibank and XXXX. Now, you know why veterans commit suicide because we have companies like Citibank and XXXX who perpetuate the reason.

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 2019-06-11
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please place an extended fraud alert on my credit report. I have noticed a few fraudulent accounts on my most recent credit report. Please allow remove these inquiries. Please check review the document I attached below.

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 2021-04-07
Company: EQUIFAX, INC.
State: TN
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
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:
XXXX, TRANSUNION AND XXXX HAS SOME INACCURATE INFORMATION ON MY CREDIT REPORT THEY REFUSED TO DELETE/REMOVE. 
NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- Addresses : XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX , LA XXXX - XXXX XXXX XXXX XXXX XXXX , LA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX SSNs XXXX XXXX Year of Birth : XXXX PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX IVE RECENTLY PILLED MY CREDIT REPORT AND FOUND SOME ACCOUNTS THAT ARE NOT MINE AND INACCURATE. 
Spouse or Co-Applicant : XXXX Employers : XXXX XXXX XXXX- XXXX- XXXX XXXX ACCOUNTS : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX WAS NEVER LATE PLEASE CORRECT XXXX XXXX XXXX XXXX/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 2021-04-07
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
On XX/XX/XXXX, I transferred {$77.00} to my paypal direct deposit account from XX/XX/XXXX. The transfer says complete but I never received it. I've contacted cash app and they said they will handle it. A month later they claim the issue is resolved because paypal sent them {$77.00} to give to me but all paypal did was remove the money from my balance and send it to cash app. The missing deposit was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On or about XXXX my HSBC credit got a unexpected credit limit increase. I notice on XXXX or XXXX XXXX CC statements my balance continue to increase after making timely monthly payments. I call the customer service for HSBC and reported Fraud charges with a balance of about XXXX dollars, my credit card was cancel and a new one was sent out. the next month, I notice the balance was forward to the new credit card, I call customer service and requested an explanation why ; I have monthly finance charges on a balance that it is not mine. the new credit card was cancel and the HSBC agent sent out a new credit card and mail me a written copy of the my fraud report. Now I have a debt collector calling my cell phone numerous times per day demanding XXXX dollars minimum payment. 
the Balance on the new credit card is up to XXXX dollars. These charges are Fraud charges from the same people, the same charges were done on my XXXX XXXX credit card and my XXXX Credit card. those charges were corrected. this is Identity theft and the HSBC agent agreed, but the Credit card account still continues to accrued monthly finance charges of XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: AMERICAN HONDA FINANCE CORP
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 am serious about the applicability and reliability in the recent study along with the missed payments pertaining to American Honda Financial with account number XX/XX/XXXX and exactly how it is reporting on my credit report as late. With Section 1681 ( g ) I highly recommend them to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: AR Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This alledged debt was settled with XXXX and paid in full. The debt collector is attempting to collect a debt that was paid in full in 2022 and I have bank records to show the debt was paid in full directly to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: SYNCHRONY FINANCIAL
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019, I called to obtain clarification on how payments were applied to my promotional balances on my credit card. I was confused because on my 6 month promotional balances there was a specific statement on each transition which stated the following, " A minimum payment applies to this purchase. This is included in your monthly minimum payment due. '' That statement is only present on the 6 month promotions ( no interest if balance is paid in full within 6 months of purchase ) and not present on 12/24 month " easy payments promotions. The agent on the phone explained that ALL minimum payments get applied to " easy payments '' promotions, despite the statement made on each 6 month promotion stating that specific promotion is charged a monthly minimum payment. Essentially, unless a consumer calls to allocate payments made in excess of the minimum payment all payments are applied to the " easy payments '' balances. The agent simply stated that everything she stated is also in the terms of agreement. 

It is deceitful practice to indicate that a minimum payment is being charged to a specific purchase when that minimum payment is NOT applied to that purchase. If it is indicated on that purchase the payment should be applied there, or that statement should indicate clearly that them minimum payment will NOT be applied to that specific purchase. Terms or not, the entire payment allocation is deceitful. Consumers are lead to believe that a 24 month " easy payments '' balance would equal low monthly payments over the course of 24 months however, that this not the case. All minimum payments are applied to the " easy payments '' an nothing is paid toward shorter term promotional balances which means a consumer will end up paying interest on those if the consumer does not closely monitor monthly statements. 

The resolution was was to close the 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