BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-11
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The information that they provided to me is wrong. They never told me how they came up with the findings or how they think that I am not a victim of identity theft. The delinquent charges of {$480.00} are because I was a victim of identity theft and they continue to charge me for an account that was affected and misused because of identity theft. I have been a victim of identity theft and if they keep on charging me for an account that isn't mine. I will be suing the Huntington National Bank. This is a warning of my plan to sue, if they don't correct this information, I will be suing them for not doing a thorough investigation and breaking down where they found their finding on how my account isn't a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2018 a check from XXXX XXXX was deposited with Citibank. The check was to payoff my credit card balance but was in an amount greater than the balance, leaving a negative balance. 

As I made the deposit, I requested the excess payment be transferred to my checking account. 

I have called the Citicard number on the back of the card at least 5 times since then, most recently on XX/XX/2018, each time speaking to a different person, getting a different story about what is going on, promising different efforts to remedy the problem, but all with the same result - no money transfer and a remaining negative balance. 

HELP!

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 2019-09-11
Company: FREEDOM FINANCIAL NETWORK
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
When I signed up for freedom debt relief in XXXX of XXXX with my payments beginning draft in XX/XX/XXXX, I was told settlement fees would only be taken AFTER each account is settled AND paid in full. I had three accounts with freedom showing paid in full at the termination of my program in XX/XX/XXXX. Upon further inspection freedom did not pay off any of these accounts in full yet they charged settlement fees. Now freedom is denying this was said or implied, just as they did with their previous lawsuits ( of the many reasons for their suit filed in XX/XX/XXXX : deceives consumers about the extent of their services and deceives consumers about its fees. ) I have since discovered they lied about being better business bureau affiliated. They actually have a b- rating due to multiple complaints and government actions ( aka lawsuits ) against them. I have tried explaining to freedom all the troubles they have caused me ( just as in previous lawsuits against them ) they caused me further credit delinquency and have caused me to accrue more debt due to fees and their lack of follow through. When I was in email conversation with XXXX XXXX XXXX, a reputation management specialist, she advised since I signed the contract I was entitled to no further action up to and including a full refund due to their negligence in upholding their end of our contract. .She would not hear me out, not even to consider a partial refund. She then exchanged a snarky email with her supervisor and had a copy sent to me. She lied about these lawsuits and said they were settled in XXXX when in fact they were settled in XX/XX/XXXX. This company took {$1900.00} of my hard earned money and paid less than {$330.00} of my debt while taking astronomical fees for their settlements. Also once I complained, XXXX XXXX was able to produce a settlement agreement with XXXX  and XXXX, and a memo of my financial ledger ( which I have never seen. I believe this would fall under deceives in general ). I also advised XXXX XXXX I preferred email contact as I work nights for my local XXXX agency yet she continued to call me, more proof freedom doesnt listen to her clients or previous clients as in this case. She also advised through better business bureau that the matter is resolved and it is far from resolved. 
Id love to provide all of our email exchanges as well as screenshots of my account with freedom debt relief. I also have print out of others complaining on bbb and also reporting them as scam artists.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America gave CD funds to wrong beneficiary. Bank will not allow me any information because my POA expired when my Mother passed away, but the CD was renamed to my Mothers Revocable Living Trust in 2009. 

After my Mothers passing, her Trust was not provided with CD funds. The Banker at B.O.A. would not provide me with any information regarding the CD even though I am the Trustee of the Trust!

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 2018-12-21
Company: Experian Information Solutions Inc.
State: NJ
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:
As a victim of fraudulent account origination and identity theft, I placed a dispute in with the major credit reporting agencies in XXXX, according to the FCRA section 605b this was a matter that should have been resolved in a matter of days, yet I have had no progress on the issue, despite submitting all required supporting documentation.

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 2021-05-27
Company: HIGHLANDS RESIDENTIAL MORTGAGE
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Highlands Mortgage sent me a note that they are selling my mortgage to another company giving me just 6 days notice ( The requirement is 15 days ). Their letter arrived in the Mail on the XXXX, and the Mortgage transfers on XX/XX/XXXX. This, I believe was done in retaliation for my having told them of my plans to complain to this bureau on another issue ( CFPB : Complaint ID XXXX ) tied to their not having credited to me an extra payment for over 90 days, and still counting. The letter that they sent me was dated XX/XX/XXXX, which I believe was pre-dated to cover their bases, because on the XXXX itself, they last communicated to me they were still working on the said issue, and they could have just as well told me then that they were planning to sell the mortgage to another company. 

The issue at hand is that the mortgage is being sold to another company while we have an outstanding issue that hasn't been resolved, in this case, they are the debtor and owe me my money. Instead of resolving the issue, they are selling my mortgage to another company to avoid having to meet their debt obligations. 

I need the company to issue me a full accounting of all of the payments they have taken from my bank, including the extra payment, in writing, and an explicit statement, that my payments are one month ahead of due ( i.e. I am asking that the letter state that I am paid through XXXX, if the transfer is due to happen XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for the Platinum Delta Skymiles credit card from American Express with a welcome offer of XXXX bonus miles if I spent {$3000.00} in the first 3 months, which I did. To date, I have not received the bonus miles despite meeting the requirements, and paying their hefty {$200.00} annual fee. I have contact them multiple times via their online chat. I contacted them on XX/XX/XXXX, again on XX/XX/XXXX, where they confirmed I would receive the bonus miles in the next 1-2 billing cycles. Contacted them again on XX/XX/XXXX which they indicated my case was being looked into. And a final time on XX/XX/XXXX with no result.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hard Inquiries on my credit report were not authorized by me and I know No knowledge of them. I believe they are fraudulent. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2019-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company releases out SS # 's and dob without you giving them the information. They mask the telephone number with the description XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13
Company: RICHLAND HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX I paid off {$38000.00} to XXXX XXXX XXXX XXXX which had loan from XXXX XXXX XXXX. XXXX XXXX XXXX also sold my information with that unpaid balance to Richland Holdins, INC DBA. This debt was in full on XX/XX/XXXX and I was promised that all negative information from all these companies will be removed from my credit reports, they did not do it.! Please, help me to fight them and fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2019 Midland Credit Management left a letter ( pre-legal notification ) at my front door concerning a XXXX XXXX credit card account. I do not have an account with this credit management company. I previously requested them to provide me the name and address of original creditor, copy of the original signed contract, delegation of authority, and a complete accounting / statement of payments with interest and fees associated with the alleged debt with them. I have not received any information from my request except their letter of intent to direct this issue to attorney, if I dont contact for a debt that I did not contract with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had been looking for a new bank and wanted to give SunTrust a try. 

XX/XX/XXXX - I opened a Personal Checkings and a Business Checkings account online. 

XX/XX/XXXX - I went into a branch to deposit {$100.00} into each account. I was paranoid because I got an email from SunTrust saying my accounts would be closed if I did not deposit money within 5 Business days. I also signed my signature cards. 

XX/XX/XXXX - I got a missed call from the Fraud department of SunTrust and they left no message. I called back and the CSR says there's a note for me to go into a branch for additional verification. I go into a branch later that day and the teller tells me both my accounts are " closed due to rules and regulations. '' XX/XX/XXXX - I phoned SunTrust to try to get more information. They can not tell me anything about why my accounts were closed. They also stated it would be 10-15 business days to return my deposits after the account gets fully closed. They offered no indication of when the accounts would be fully closed. So who knows when I'll get my money back.

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 2021-05-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
While booking flights on United Airlines website, XXXX, a pop up appeared offering a Chase United Airlines credit card. I am attaching a copy of that offer. I applied, was accepted and then booked my flights, assuming the credit of {$250.00} for opening card account would be posted to the same statement as the airlines charge. When it didn't, I made several telephone inquiries to rectify and never received an answer until a Chase service employee directed me to " secure messaging '' on the website. I have several communications back and forth with said " messaging service '' have forwarded a copy of the original offer made on the website and Chase still will not resolve the matter. The amount of money is not the issue here. The run around from Chase and the fact that they are living up to the offer is. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2018 i took out a loan for {$500.00}. To this date i paid {$840.00} and only {$15.00} went to the principle. I still owe {$480.00}. The APR is 469.1328. I didn't get a chance to view the Truth in lending disclosure until the loan processed and hit my account. I didn't know the interest rate until the loan hit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: EQUIFAX, INC.
State: NJ
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:
As a victim of fraudulent account origination and identity theft, I placed a dispute in with the major credit reporting agencies in XXXX, according to the FCRA section 605b this was a matter that should have been resolved in a matter of days, yet I have had no progress on the issue, despite submitting all required supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/18 TransUnion refused to let me dispute a hard inquiry. TransUnion said that inquirys stay on my credit report forever. I told them I had inquirys removed in the past and the TransUnion rep hung up in my face!

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 2019-09-11
Company: Credit Bureau Financial Services, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
Robocall for Credit Bureau stating that they would offer a card to help reduce my debt. I pressed 1 to talk with a person. When I got someone on the line, I asked to be taken off their list and they said no. I repeatedly ( at least 5 times ) asked to be taken off and they kept saying no. When I asked why, they said they didn't know. I asked to speak to a supervisor and the person said that they were the supervisor. I asked to keep speaking and they said they were the owner of the company. I asked again to be taken off, and they said " N-O. Do you not know what that means? '' I finally told them I would report them and hung up.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Wrong outdated address on credit report, reporting agencies do not have my correct name has other names will not remove incorrect information

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 2019-09-11
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I AM SELLING MY HOME AND PHH IS THE SERVICING COMPANY. MY ESCROW OFFICER HAS TRIED ON SEVERAL MULTIPLE OCCASIONS FOR PHH TO SEND A PAYOFF. SHE HAS FAXED AND CALLED. NO HELP FROM PHH WHATSOVER. IF I  DON'T OBTAIN THE PAYOFF THEN I CAN NOT CLOSE ESCROW AND WOULD BE BREACH OF CONTRACT. PLEASE SEE ATTACHED PHH STATEMENT AND HELP ME PLEASE. ALSO, FULL DISCLOSURE, PHH HAS PRE FORECLOSURE ON MY PROPERTY AND THAT IS WHY I'M IN ESCROW TRYING TO SELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
When the COVID19 nonsense started I reached out to my local branch when creditors took payments they said they wouldnt and I was told by my banker that there was no problem getting all my fees refunded but it was a process due to the pandemic and there was no limit on the amount of fees but they had to submit it - well that took soooo long that I got more fees and while they temporarily refunded my fees when I got my stimulus - they took them all back around {$450.00} worth - I want my fees permanently refunded - no temporarily refunded like they did. The local branch is closed still or Id go in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-28
Company: Experian Information Solutions 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 am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part.

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 2019-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
I received my Bank of America Credit Card bill on XX/XX/2019. It was in the early XXXX and the account statement had already closed. I received a " XXXX XXXX '' notification of payment due. I proceeded to pay the balance in the XXXX   on XX/XX/2019 due plus additional money on the same day in the XXXX ( afternoon after the closing statement had already closed. ). Bank of America is refusing to credit that payment which was deducted from my account on XX/XX/2019 and says that I paid it too early, despite the fact that my statement had already closed and they gave me a minimum amount due, which I paid plus more. I spoke to XXXX in XXXX AZ on XX/XX/2019 and he refused to identify himself, was very argumentative and refused to give me any identifying ID other than say he was XXXX and gave no employee ID # despite my repeated requests. He told me I paid it too early despite paying it AFTER the statement closed and payment was made.

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 2019-09-11
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed a chapter XXXX my attorney sent out notices we file in XXXX iI told the XXXX XXXX XXXX and XXXX the collection agency of the bankruptcy, I gave them my attorney 's contact info. They stopped calling then they started sending mailing, again i told them they should have responded and to contact my attorney. Now i see it as a collection on my credit report. 
They need to remove it. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
my car was stolen i reported to police, insurance, and finance company. i also had gap insurance. my car was recovered and nation wide had it deemed a total loss. next thing i get from fiance company saying they sold my car and canceled gap and got my premiums from gap when the insurance company had my car in there possession when fiance company said they sold it. how is that possable and i was never notified of said auction i was under the assumtion that my insurance company and gap took care of everything. the insurance company had my car not me now credit acceptance reports i owe and my car was repo when that is a lie Case Number : XXXX, XXXX XXXX Disposition Date : XX/XX/2018 Disposition : Inactive Occurred Thru : XXXXXX/XX/2018 XXXX Occurred From : XX/XX/2018 XXXX Incident Type : Motor Vehicle TheftXXXX County Sheriff Summary Case Number : XXXX Print Date/Time : Login ID : XX/XX/2018 XXXX XXXX County Sheriff 's Office XXXX XXXX   Number : 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