BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-07
Company: Southwest Credit Systems, L.P.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My services were cancelled at XXXX XXXX XXXX XXXX # XXXX XXXX CO  XXXX on XX/XX/XXXX. I requested a final bill be sent to me. XXXX never sent a final bill and they abruptly place a negative collection mark on my credit reports with XXXX XXXX and XXXX. That has seriously damaged my credit and is in direct violation of FDCPA laws. Furthermore it appears my account may have been transferred again to another collection agency who i have never heard of. ( Southwest Credit ). That is a double FDCPA violation because not only didnt XXXX  not send me a final bill and damage my credit, Southwest Credit never contacted me in anyway to send me any collection notice and took away my right to dispute. I am asking for XXXX   and its collection agency to immediately remove any reporting to the 3 major credit bureaus and send me a final bill. The amount showing on credit reports is {$210.00}. Online account shows a different amount and there are no bills available to view online so there is no valid proof of debt available to me. I am unable to view any bills online and last bill i received was XX/XX/XXXX. In addition I spoke to XXXX XXXX with Southwest Credit on XX/XX/XXXX to advise my concerns with them damaging my credit by placing this alleged debt on my 3 credit reports. I also indicated to Mr. XXXX my intention to file my complaints to the proper agencies and I would not make any payment without their removing the erroneous negative trade lines on my credit reports AND send me proof of debt to include the accounting on how the alleged balance was calculated. I previously open complaints against XXXX / XXXX in which they never answered to and Mr. XXXX revealed that XXXX noted the account instructing to continue collection efforts even though they ignored to answer to the official complaint and to provide me with final bill breakdown. This is a violation of my rights to dispute a debt. 

DEBT. SOUTHWEST CREDIT  XXXX XXXX XXXX XXXX TX XXXX Reference /Account number with Southwest Credit XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a mortgage with this bank for the past year and some months. During the time, I made all payments on time, including even some dubious increase in the monthly payment from {$3400.00} to {$3700.00}. I did my best under difficult circumstances to make timely payments. 

During the time, I tried I called them several times to see if we can get a refinance, but each time they flatly denied and wouldn't go any further to explain why, and at the time we were getting a lot of offers from other institutions to refinance. Nonetheless, I continued to make my payments. 

Last month, XX/XX/XXXX, we were finally able to close a refi with a different lender who wired M & T 's payoff to them on the same date as above. Before then, they had been made aware of this closing and were totally involved. 

As expected they closed my online account that I had been using to transact business with them and retrieve documents and messages on the same day the principal was paid off. The processed it and effectively zeroed out the account. 

On XX/XX/XXXX, I saw that the regular transfer that always went out to them on the first day of the month had been initiated and was pending on my XXXX XXXX XXXXXXXX account. I called them immediately to let them know that they my account had been closed with them and I don't owe anything to them. I made aware I had a new mortgage that was due and therefore I need that money to pay the new lender. 

We did a lot of back and forth on the phone and told me they would investigate and take the necessary action. 

As I write this complaint, on XX/XX/XXXX, they neither have returned my money nor return my call. I am having to borrow money, not only for my new mortgage, but also other expenses that we incur as a young bottom of the barrel family struggling to survive in one most expensive places on earth : XXXX XXXX XXXX XXXX of California. 

Every cent we earn is important for us! 

It is certainly not right that this bank has unlawfully taken our money for over a week without making any attempt to return it, or even providing me a simple customer service of letting me know what is going on.

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 2021-09-09
Company: CL Holdings LLC
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:
Company name JEFFERSON CAPITAL SYSTEM .date XX/XX/XXXX. 

Company is false reporting under my name .I made no inquiries to this company on such date. I called several times about this issue and nothing has been done. 

This debt is the statue law of limitations! Texas four-year statute of limitations on debts works alongside the Texas Debt Collection Act. The limited time period means that debt collectors can not sue individuals in an attempt to collect debts that are more than four years past due. Subchapter ( 15 U.S. CODE S 1681 ). 

The above date is an incorrect date. The original date is stated XXXX XXXX. From The company XXXX XXXX XXXX Which the debt is being passed off to JEFFERSON CAPITAL SYSTEM. Which I never agreed too. 

This is now fraudulent activity on my report and I deman this to be removed under the Texas state law of statue. ( Any ) person who willfully fails to comply with any requirements imposed under the Texas state law of statue with respect to any consumer is liable to that consumer in any amount in the sum of-

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
BANK OF AMERICA 's Refusal to handle/disclose of information account # XXXX : 1. Any copy Default letter sent to homeowner regarding Loan account # XXXX from to XX/XX/XXXX to XX/XX/XXXX, during its servicing. 
2. Date and copy the Bank Endorsement issued by XXXX XXXX to the new Trust o Note Holder. 

I will apreciate your cooperation in this matter.

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 2020-05-07
Company: HUNTINGTON NATIONAL BANK, THE
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
At the end of XXXX or early XX/XX/XXXX Huntington National Bank made the decision to close my checking account. The reason why they made that decision has never been disclosed to me. As part of the account closure process, Huntington had cut off my access to online banking and deactivated my debit cards. Several weeks later I received a letter from Huntington informing me that my account was overdrawn. At some point after my access to my account had been revoked, a transaction posted to my account that resulted in it being overdrawn. That, in turn, resulted in Huntington charging me multiple overdraft fees. I called Huntington to explain that I should not have been charged those fees since I was not aware the account had been overdrawn and had no ability to bring the account back to a positive balance before the charges were imposed since my account access had been cut off. I was told not to worry about the charges since Huntington does not report accounts to XXXX nor refer accounts to collection agencies. Approximately a month later I received another letter from Huntington demanding payment for the overdrawn account that threatened to refer the account to a collection agency if I did not pay. I called Huntington again to try to resolve the issue and was told that the previous customer service representatives I spoke with gave me incorrect information and that I have to pay the balance owed. I have been going back and forth with Huntington about this issue since the beginning of the year with no resolution in sight. I received another letter from Huntington on XX/XX/XXXX that indicated the fees have no reached a total of {$200.00}. That entire amount is fees imposed by Huntington that I should not have been charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hello, My husband and I both had credit card accounts with Capital One. We are stationed in XXXX on a military base. Capital One will not send paper bills. They require a US phone number to use their two-step verification process to see your bill online. We do not have a US phone number. I called them to ask for a resolution - essentially, how can we view our bill? They said there is no way for us to view our bill unless we get a US phone number. I cancelled both our accounts. However, Im registering a complaint because I cant believe its legal for a credit card company to refuse to provide a monthly statement. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
5/3 stole {$1000.00} from me and has been lying to me and XXXX  XXXX XXXX ALL YEAR When you see attached pictures of my online chats with 5/3 you will see I HAVE HAD SEVERAL ISSUES with this card spanning since last XXXX. Plus check my 1-2 other 5/3 CFPB complaints. JUST NON STOP NEGLIGENCE In the pictures you will see that this company lied to me and promised me that all future payments be canceled, yet they were not. NOW Ive been spending the last 3 hours talking to the Credit dept., then checking dept, then internet services dept. and now Credit again! The credit dept said the money came out of your checking so theyre the only ones that can reverse this payment, then checking said same about internet services and now internet services is pawning me off back onto the credit dept AND NO ONE WILL GIVE ME MY MONEY BACK! 

As soon as I can get away from the monsters and close all accounts I will

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
According to the FCRA laws Section 609 the consumer agencies have 30 days to verify the validity of this account failure to do so have resulted in a complaint with consumer finance. According to Section 617 civil liability for negligence noncompliance is any person who is negligence in failing to comply with any requirements imposed under this title with respect to any consumer is liable to the consumer in an amount to the sum of any actual damages sustain by the consumer as a result of failure to comply. Continuing to report this account has hurt my credit and I ask it be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
EQUIFAX HAS NOT FIXED THIS ISSUE. I am requesting EQUIFAX VERIFY PURCHASES with ORIGINAL WRITTEN DOCUMENTATION OF ITEMS ORDERED FROM MY IP ADDRESS SIGNATURE ITEMS WERE DELIVERED INTO MY HANDS WITH ORIGINAL WRITTEN SIGNATURE DELIVERIES ACCEPTED. I AM A DISABLED VICTIM XXXX XXXX XXXX XXXX OF ID THEFT FTC case XXXX. Reported to XXXX XXXX  XX/XX/XXXX XXXX FIVE NEW CARDS ISSUED from XX/XX/XXXX to XX/XX/XXXX. XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX AFTER I REPORTED THE FRAUD. See attatched XXXX  letter dated XX/XX/XXXX. ** These transactions CLEARLY WERE reported timely. See attatched XX/XX/XXXX CRIMINAL INVESTIGATION POSTAL INSPECTION SERVICE USPS DELIVERIES NOT MADE ZIP CODE AREA XXXX. ** XXXX  REFUSES TO PROVIDE ORIGINAL WRITTEN DOCUMENTATION DELIVERIES ACCEPTED ie picked up post office orignal signature PURCHASES WERE MADE BY ME ie WRITTEN ORIGINAL DOCUMENTATION MY IP ADDRESS & DELIVERED INTO MY HANDS WRITTEN SIGNATURE OF RECIEPT. Proof of burden XXXX  needs to CONFIRM I RECIEVED THESE GOODS. THESE ARE UNAUTHORIZED TRANSACTIONS. I SWEAR UNDER OATH TRUTH WHOLE TRUTH NOTHING BUT THE TRUTH. XXXX   COLLECTS ON ID THEFT WHICH IS ILLEGAL. These provided to XXXX XXXX  corp office FRAUD PREVENTION & ONCE REFERRED TO BRANCH OFFICE AFTER A YEAR IN CORP OFFICE ** ( XXXX ) FIVE BANK BRANCH OFFICE XXXX XXXX EMAILS UPON REQUEST CONFIRM 12 PAGES OF DOCUMENTATION RECIEVED ** DISMISSED. WAITING RESPONSE CORP FRAUD PREVENTION. XXXX  CLAIMS ALL COMPLAINTS I SUBMIT TO CFPB ARE DUPLICATES. THIS ONE PROBABLY WILL BE DISMISSED AS DUPLICATE ALSO. NEVER RESOLVED. I DEMAND EQUIFAX VERIFY DELIVERIES ACCEPTED INTO MY HANDS WITH WRITTEN SIGNATURE DOCUMENTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XXXX received Notice of Levy from Bank XXXX XXXX and they removed all monies from my bank accounts. {$2400.00} and {$7700.00}. On XXXX they removed another {$1100.00}. I am unable to pay rent or even eat.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: CITIBANK, N.A.
State: OH
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 had an issue with a company ( BEST BUY/CBNA ) not taking payments and then charging late fees. I called and asked for an online log in and they said they could not do that then I asked to make a payment over the phone and they said their system was down. I called back the next week or so and the company said that the promotional financing expiration date expired and that there was an added aprox~ {$200.00} to the account. I explained the situation then they said they would remove the interest. They then took my payment and told me the account would be at a zero balance. A few days later I go to check my credit and notice that there is still {$210.00} unpaid ( the amount that BEST BUY/CBNA had agreed to remove ). I went to dispute the charge and it came back that it was a valid charge. I called XXXX to talk about this and I got a hold of someone and they asked for my ssn. They had an accent and was curious where they where located as I just gave them my ssn. So I asked and was told the united states. I asked which state and they started to get defensive and told me the united states and that they where not allowed to tell me which state. I then asked if I could speak with a manager I got transferred to a line that said " welcome to XXXX  disputes center we are currently closed ''. Are my calls to XXXX  being routed to another country where there are no laws for prosecuting someone properly for identity theft. Another concern is that BEST BUY/CBNA is making it more difficult than necessary for me to make payments so that they can collect late fees to increase profit.  Thank you for any help you can offer!

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 2021-09-09
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint against Santander Bank. Mortgage/insurance division. 

On XX/XX/XXXX I called my home insurance agent to ask about what is covered in my policy since I had a flooding incident due to Hurricane Ida. To my surprise the Safety insurance agent informed me that my policy was canceled due to no payment. To my knowledge I had an escrow account that was handling the home insurance and property taxes. I first made sure that the insurance agency sent the bill and the cancellation notice ( attached below ). I further contact the insurance agent and they confirmed that the bill was sent to the right address while santander bank insurance manager was on a recorded line. The Mangers from Santander bank had two solutions for me : 1- I should buy a policy from them that is {$2900.00} which is twice what I was paying and it only covers the outside house not the inside. 
2- I have to go on my own and shop around for home insurance and call them. 
Now my home is in XXXX XXXX XXXX XXXX MA and it is worth almost {$800000.00} and as of today I do not have any home insurance because my mortgage bank said they didnt get the bill even if the insurance agent confirmed that they received it. Plus I have some flood damage claim that no one is willing to talk about since the policy was cancelled. Please help with a quick and fast 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 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX OPENED XX/XX/2014 CLOSED BY XXXX XXXX STILL SHOWING PAST DUE AMOUNT

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 2020-05-07
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019 the credit card was charged {$6600.00} to XXXX XXXX in XXXX XXXX ( I was in Colorado at the time with a hotel receipt, plane ticket, gas receipts, meal receipts, etc ). The charge was stated as 'you disputed the charge because you canceled the charge and expected a credit on your account ' which is first of all, inaccurate. The charge is blatant fraud by a specific individual who stole my identity and used the card and number. 
They ( Chase ) denied the dispute and closed the case and billed my credit card yet I've proven with actual data that I was never there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Social Finance, Inc.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Sofi restricted my debit card access without a email or response. I tried calling Sofi support and they were unable to address my issue for 2 weeks. Constant calling and leaving messages for no reps to get in contact with me, I had no access to my funds for weeks and finally got fed up and decided to transfer my funds out my account. 

When I tried to do so they flagged my account and said I had to contact support. 

Tried calling " Fraud Prevention '' this morning at XXXX but that number basically doesn't exist. I've called XXXX at every time of the day and it always tells you they are busy. 

Which means they have provided a fake customer service number that actually won't connect with anyone. I called the sofi rep and even SHE couldn't get in contact with them and said she has to email them. 

This is some of worst customer service I've ever seen from a company. Provding users with essentially a fake customer service number that actually never connects with someone to help is extremely shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: William C. Grossman Law, PLLC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I bought a ring from XXXX XXXX XXXX, in XX/XX/XXXX. a gift for my grand daughters college graduation ... ... ... ... I have proof of receipts by the owner, XXXX , that I RETURNED THE RING, ..when I realized I had gone over my head ... 
Last XX/XX/XXXX, I got a letter from collection agency ... My financial counselor at my XXXX XXXX called XXXX, ( collection ) wrote letters, explained that the ring had been returned ... I thought this had been cleared up ... NOW, again, I get another letter a year later, with the same issue..Please, because of this problem, my good credit is in question, and I truly do NOT owe any money on this ring ... Whatever you can do to help me, will be greatly appreciated ... Thank you, sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I want someone to go through the interest they are charging every month. How can they charge the same or more interest when my balance is lower. Something is wrong

Company response to consumer: Closed with explanation