BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-15
Company: HUNTINGTON NATIONAL BANK, THE
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have recently moved from Ohio to North Carolina and bank with Huntington. On XX/XX/XXXX I made a mobile deposit of XXXX from a check from XXXX XXXX. The mobile site on Huntington stated my funds would be available next business day. However they were not. I needed to make another check deposit of XXXX. So I mobile deposited XXXX on XX/XX/XXXX. I called the bank to confim access to my funds but they stated they had to put a hold on my account due to the suspicion of fraud. No one would and could tell me anything else other than I was locked out of my account and wouldnt have access to anything until the following week once everything was cleared. Knowing this I told the representative that I would have to put a stop payment on the second check so that I could have cash available to me since I did not have another bank in my new state. It is now XX/XX/XXXX and my bank still has yet to unlock access to my account I can not see anything online nor use my debit card. I am now being told they are going to close my account due to risk but that is all they will tell me and once it is cleared they will mail me a cashiers check with the money in my account. I attempted to update my address with them over the phone since I did not have access to my account and they are unable to do that as well. My problem is the lack of communication to resolve the problem when me the consumer has done nothing wrong! I need help and I need this to be known that I am putting up a fight because Huntington has not done its job to protect the customer and only penalized me for something that is beyond my control. The check is not fraudulent and the understanding that my friend was putting a stop payment so I would have access to some cash should not be a reason to penalize a customer of 10 years. To top all of this off every day I made a phone call to see the updated status of my account and every rep. was rude and told me a different story of why and when my account would be available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-07
Company: Cascade Capital, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sued by Cascade Capital and I don't even know who they are and what it is about. I just discovered this information tonight while researching court records.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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 did never open this student loan I have not attended school since XXXXgh School so please remove this account from my credit report thank you. This is Fraud

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 2018-06-15
Company: Experian Information Solutions Inc.
State: NY
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:
in XX/XX/2007 i took a loan out with XXXX XXXX XXXX that was canceled but they still out collections with XXXX and the doe to collect a debt took my taxes and 2 loans were tooken contact lender and they do nothing but tell me to fill out forms

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 2019-05-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019 I have tried to Freeze my account with Equifax, which they have made it very difficult to do so even after I have provided multiple security questions to identify myself. I am also not able to log in to the online account to Freeze my account myself as the rep XXXX ID # XXXX stated he had unlock my account which I still could not login into. This is very unacceptable as I have tried several times with different reps to have my account frozen and been given the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Experian Information Solutions Inc.
State: AR
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:
In XX/XX/XXXX when I lost my job I got behind on my student loan at XXXX/XXXX. The loan then went into default. My loan was passed over to a collections loan company with the option that it could be repurchased by XXXX when I made 9 consecutive payments. I was also told that the XXXX late finding would be removed. I made the payments and then the loan went back to the regular lender. However the XXXX  late fee was never removed after many requests. Finally in XX/XX/XXXX the loan was consolidated by XXXX. However XXXX still will not remove the XXXX late fee. Recently, while checking my credit report I saw that XXXX XXXX has reactivated the loan and is saying that I owe {$13000.00} - although XXXX has purchased my loan at its in consolidation. How can my loan be in consolidation with XXXX AND owe {$13000.00} at the same 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 2019-09-07
Company: CITIBANK, N.A.
State: NY
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:
unauthorized hard inquiry

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 2019-09-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/19 My credit was ran and a report was issued by EQUIFAX for a house I rented. I have a copy of the report. 

XX/XX/19 I tried to open a cable account and they could not verify my identity so I contacted Equifax and even though I was able to answer numerous questions I would only know they said they could not verify my identity either. I suspected it may because I put a freeze on my account several years ago, although they would not confirm that either. Equifax is requesting that I verify my identity which is going to take several weeks and requires me to mail or fax sensitive information. In the meantime I became ( and still am ) very concerned something fraudulent was/is happening in view of Equifax having all the correct information but still unable to verify my identity. 

My complaint is that I am being denied access to my credit report while anyone else is able to retrieve it. 

Fortunately, I was able to access report from XXXX which shows no fraud, however I am concerned about Equifax because I have had several problems with them over the years with mis-information and then failing to correct it upon receipt of supporting documentation and I suspect this is going to be handled the same way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNT IN MY NAME WITHOUT MY CONSENT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-14
Company: Resurgent Capital Services L.P.
State: OH
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:
Fraudulent activity has been occurring ever since the XXXX data breach and I need help resolving with the Issues. I have attached a police report and I have disputed the items with the credit bureau.There is incorrect information on my credit report. My correct info is on the police report. My mailing address is XXXX. XXXX XXXX XXXX Ohio XXXX, my phone number is XXXX. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Experian Information Solutions Inc.
State: CA
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 have sent letters directly to Experian certified mail stating that information on my credit profile needs to be verified or deleted from my profile. They have failed to verify the info and still continues to report.

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 2018-02-21
Company: Progressive Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
To Whom it May Concern : This email is regarding a concern/complaint I would like to make in regards to the company Progressive Financial Services. I called the collection agency on XX/XX/18 to make a payment towards my student loan debt through XXXX XXXX University. The reference number provided is XXXX. I called the company initially to make a payment towards my debt and I was told that I had to make 2 payment installments. I asked if I could make a payment arrangement based on my income and I was told that I could only make the payments if I made a down payment. I was also told that my loan was collecting interest daily and monthly, I found this to be strange and thus I called XXXX XXXX university. I was informed by XXXX XXXX that the loan was only gaining interest monthly at a rate of 5 % and that the loan does not accumulate interest daily. I called Progressive financial services back and spoke with a lady names XXXX who was extremely rude because I did not want to provide my phone number. And stated in order for her to see if I qualify for monthly repayment she needed to ask me several questions. XXXX stated how can I answer these questions if I am not even willing to give my phone number. I asked XXXX about the FEEL program she stated that I might not qualify for this program and that the correspondence between the school and the collection agency could pose a delay. XXXX suggested to make a down payment of $ 300+ with monthly installment of $ XXXX. I told XXXX I could not afford this and if there were any options she said I could make payments online and with sarcasm she stated you must make 9 consecutive payments in order to qualify for the FEEL program. I felt ridiculed and as if I was bothering her with my questions. XXXX did not help me and stated she could not give me any additional information regarding the person who deals with the FEEL program. I would appreciate if someone could get back to me immediately through email or phone call to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
For over 2.5 years I have been trying to get FedLoan to correct my payments for the PSLF program without any success. They payments have been incorrectly not counted after multiple attempts at resolution. Finally the counts were corrected, the issue is that I could have applied for PSLF in XXXX/XXXX XXXX XXXX, but the payment number was not corrected until late XX/XX/XXXX. I received a payment count update in XX/XX/XXXX which was missing around 17 months of payments. I then received another updated payment count in XX/XX/XXXX, showing the correct number of payments after almost three years of regularly communicating with FedLoan and getting nowhere. 

After all of that, they forgave one of my loan sequences, but then " inadvertently missed '' ( their words ) the other two large loan sequences for no reason. They simply didn't process my other two loans and have done nothing to ameliorate the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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:
" Portfolio Recovery '' ( XXXX XXXX XXXX ) calls frequently asking for a person who is not here. I have told them that this person is not here, that he is not even in this state anymore and I have demanded that they stop calling. They still call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bank with Randolph brooks. My XXXX year old son is on my account to deposit his payroll Checks. In XX/XX/XXXX he mobile deposited a check for XXXX $ XX/XX/XXXX at XXXX XX/XX/XXXX. He then deposited the same check on XX/XX/XXXX. The bank successfully cashed his check. A week later XX/XX/XXXX. The check was returned insufficient. Hello he had already cashed this check. How they did not catch this that day is beyond me. Randolph brooks then takes the XXXX $ out of MY account along with a XXXX $ check fee. Depleting my savings. They refuse to refund my money although this carelessness was completely on them. Im now without bill money for the month. Because of their mistake. I put my trust in this bank, and they completely mishandled my funds. Keep in mind my son does not even have identification. But was able to walk into the bank and cash the check that had already been cashed. He also had a XXXX  balance in his account at time if transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Experian Information Solutions Inc.
State: CA
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 and Experian show debt by XXXX which is outside the SOL for the state of California.

The SOL for California is 4 years.

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 2018-12-14
Company: EQUIFAX, INC.
State: CA
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  and XXXX show debt by XXXX which is outside the SOL for the state of California.

The SOL for California is 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Sent letter 90 days ago heard nothing back, tried calling no answer, cant get through, extreme wait times, and IVR systems that take you around in circles

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 2020-06-29
Company: Specialized Loan Servicing Holdings LLC
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a first-time home buyer and purchased a mortgage with XXXX XXXX  in XXXX of 2020. My first payment was due and made on XXXX XXXX, 2020 for its full amount of {$940.00}. Soon thereafter, my loan was sold to Specialized Loan Servicing ( SLS ). When I received my second bill in the mail, it was from SLS in the amount f {$1800.00} ( exactly double my loan amount ). I called SLS Customer Service department and was advised that my first payment probably had not been sent over from my prior servicer yet. I was instructed to make my normal payment amount and that once the payment was received from XXXX, it would be applied to my account. So my second payment that was due on XX/XX/2020, was made in full for the amount of {$940.00} on XX/XX/2020. I found that the issue was still not resolved and called XXXX XXXX ( my prior servicer ) and was given a wire reference number # XXXX that was made from XXXX XXXX  to SLS on XXXX, XXXX 2020. I gave this information to SLS and they opened a claim to try and find the missing wire. I continued to make my payments on time as if the issue didn't exist ( XX/XX/XXXX and XX/XX/XXXX ), in order to stay on top of my payments but unfortunately, since the initial payment is what is " missing, '' my payments are being applied a month in arrears. This claim has been open for two months now and the wire still can not be located and it doesn't even seem like anyone is trying to locate it. I've been told that a manager will call me back six times now and have not received one phone call. I have called SLS a total of eighteen times in the past two and a half months hoping to get this resolved, and have even had my prior servicer reach out and none of it has gotten me anywhere. I am now being charged late fees and will be taking a hit to my credit if this is not resolved soon, even though I have made my payments early each month and SLS can not /will not locate the wire made to them from XXXX XXXX  on XX/XX/2020.

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 2018-02-21
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written to this company SEVERAL times and have asked for VALIDATION on this account. The company keeps sending me a BILL from XXXX, but they will NOT acknowledge that I am asking for original contract paperwork to ensure this is truly my debt. I want this account REMOVED from my credit file. They keep updating as the dispute is resolved and consumer isn't in agreement.

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 2020-05-11
Company: ALLY FINANCIAL INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
IN 2019 I had problems with making payments in that I was making payments but due to a financial change I had to split my payments into 2 payments ( Total mortgage {$2900.00} split to two payments of {$1400.00} ). XXXX would return the payments. They have refused to accept partial payments like a normal mortgage company. This caused payments to be late as I was forced to wait on the returned check. Now mind you I would pay them electronically but the returned funds would be sent by physical check. As you can guess this caused payments to get missed or late when in fact they really were not late but I had to wait for returned funds. When I started noticing the issue I contact them and they told me that they do not accept split payments at ALL. I noted that other mortgage companies do and even provided examples. This went around and around. I then completed the loan modification payment in hopes that they would work with me to resolve the issue. AS of today they have been less then helpful and have now lost 3 months of payments. I have the check information but it they have not be applied to my account nor have they been returned. I get no details on where those payments went or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX is garnishing my {$11.00} an hour wages for a time barred business debt ( taken out with a tax is # ) in which I have payment records and income tax returns to prove it was a business debt. When I took out the credit card I asked Capital One why they did not need my social security number and they said they use the tax ID # instead for business accounts. I called the original creditor Capital One last night, and they said the debt is not showing up in their records and to fax them a copy of a statement so they can research my account. I received a notice of garnishment on XX/XX/2019 and I sent the response to the court on XX/XX/2019. My employer did not notify me that I was being garnished. I have {$540.00} left to pay bills and eat and gas the car for 2 weeks.

Company response to consumer: Closed with explanation