BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-01
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a loan with Hyundai Motor Finance, on XX/XX/2020 my 0 % loan payoff amount increased from {$13000.00} to {$14000.00} after a {$50.00} payment. The payoff amount should have lowered to {$13000.00}. This caused an over payment of {$470.00}. I noticed the error on XX/XX/2020 and have called over 15 times. I have spoken with many representatives, supervisors, and managers in which they all see the issue and claim to send information to their payment processing division. I even purchased a new car from XXXX XXXX XXXX they agreed that I was over charged by at least {$470.00} by Hyundai Motor Finance. The dealership called them directly as I was purchasing a new car and I did not want to fully pay off the load until this was addressed. However, after the dealer called on my behalf I was assured that once the loan was paid off that HMF would refund any overage. That did not happen so I again reached out to HMF. I called for the last time on  XX/XX/2020 and was told essentially I am out of luck as only the payment processing department can help and there is no way for me to contact them directly. The manager stated because I paid off the loan due to my trade in, all he sees is that the loan is satisfied and there is nothing he can do. This is extremely distressing and I am lucky enough to have caught the mistake as I am sure some people may have never caught it. However, no one with HMF Financing is able to address the issue. They even stopped  providing a payoff amount after I began complaining which makes it even more upsetting. Who knows how much money I am being overcharged.

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 2022-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 XXXX Capital One Bank knows that their ATMs are faulty and that they regularly take customers. I spoke with a member of one of their branch locations and they stated that their ATMs regularly take customers deposits and that customers are forced to wait for a credit from the bank. While I know there are federal regulations in place to protect customers and for them to be able to file disputes, however if Capital One Bank and their staff are aware of the issues revolving their ATMs and are failing to remediate the situation seems like something that should be further investigated by you. I made a deposit of {$1400.00} into their ATM at their XXXX XXXX, MD location and was told by their claims department that I would receive a credit between 1 hour and 10 days from now. How many other customers are having their deposits going missing and have to wait for credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hi, Before BB & T merged I attempted to close my account with them. For several months, fees are being charged and I would like for the account to be closed and the funds to be sent to my address XXXX XXXX XXXX, XXXX, Florida 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 2021-06-22
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
upon checking my credit report XX/XX/21 I noticed an account on my report that I did not authorize.

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 2021-03-27
Company: The CMI Group, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone in the XXXX Texas area is opening accounts under my name for electric services and cable ... i have all ready call the collection depts and the companies. also called XXXX XXXX and XXXX of what is happening ... .the only identification i get is when they already did the damage and hear it from debt collectors ... .Dont understand why it keeps happening if someone is using my SS number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-24
Company: Allied Collection Services, Inc. (Nevada)
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I stayed at XXXX XXXX in XXXX XXXX with my wife Mid spring 2015. 

Without any notices in the mail, phone calls or any efforts to settle this. I noticed a bill on my credit report in collections 6 months later for a {$400.00} debt to XXXX XXXX. 

Not knowing what this {$400.00} was for i tried to reach out and they said it was for some phone bill. 

My wife and I both have cell phones and don't understand why we were charged {$400.00}. 

We paid for all our rooms at the property advance and did not use ANY minibars, hotel room service or amenities. 

I tried contacting them and they just tell me I owe {$400.00} and there is nothing i can do about it. 

I have amazing credit and this is the ONLY collection on my credit report and by far the most unprofessional organization i have EVER dealt with. 

To make matters even worse, they some transferred the debt to my FATHER who's name is XXXX XXXX XXXX and has NEVER in his entire life been to XXXX XXXX. It is not fair to me or my father to have this negative remark on our Credit Reports. 

We have both tried disputing the charge on XXXX, but years later im asking CFPB for help to resolve this.

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 2017-08-08
Company: Pacific Union Financial, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a notice on my door advising I was going to be forced out of my home in 5 days ( letter was dated XX/XX/XXXX ) due to delinquent taxes not being paid. I called my Mortgage company on XX/XX/XXXX when they first opened to find out why they had not been paying my taxes out of my escrow. They coukd not explain why and said they needed the tax department to advise me and that someone would call me back. I never heard from anyone that say, so the bext say I went to the county tax department and discovered I was {$4500.00} delinquent on property tax and that the mortgage company hadnt paid my taxes in 3 years and that I had 3 days to pay in cash or I woukd be removed from my home! I called back to the mortgage company that day and asked to soeak to the tax department and they would not let me and again told me someone would call back. I waited that day and no one called! I called back to the mortgage company on XX/XX/XXXX and told them I coukd not wait any longer for them to do something because I was getting kicked out of my home in less that 48 hours. The Customer service rep advised me I coukd just pay the taxes if I coukdnt wait and they would reimburse me. So I took all of my savings and bill money and paid the county in cash to stop my hone from being confiscated. Since that date Ive made weekly calls to the mortgage company to seek the reimbursement they promised me and Ive been unsuccessful with speaking with anyone in the tax department or getting a supervisor to call me back. Finally after numerous attempts I was able to speak directly with a supervisor XXXX on XX/XX/XXXX. She advised me she was going to contact the tax department about the XXXX reimbursement and get back with me. On XX/XX/XXXX she advised me the tax department was not going to reimburse me for the delinquent taxes I paid because it shoukd have come out of my escrow and that they woukd only consider reimbursing me for the amount I paid in penalties and interest in the amount of {$1400.00}. On XX/XX/XXXX XXXX advised me I would only be getting {$900.00} instead of {$1400.00} because they could not verify a breakdown of what I paid even though I sent then ( on numerous occasions ) copies of the certificate of sale and certificate of redemption for what I paid, and it was all signed by the county clerk. So now Im reaching out to you all for some help! The Mortgage company ( Pacific Union Financial ) to daye has still been unable to twll me why they were not paying my taxes or how this all will be resolved.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: MD
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:
THIS CREDIT BUREAU IS REPORTING THE WRONG NAME AND ADDRESS ON MY CREDIT REPORT. I ONLY HAVE ONE NAME WHICH IS XXXX XXXX XXXX. MY ONLY ADDRESS WHICH IS XXXX XXXX XXXX, XXXX XXXX, MD XXXX. ANY OTHER NAME AND ADDRESS IS INCORRECT. I HAVE ATTACHED MY ID, SOCIAL SECURITY AND BILL WITH MY CORRECT NAME AND ADDRESS. I HAVE NEVER LIVED AT ANY OTHER ADDRESS OR GONE BY ANY OTHER NAME. ANY OTHER NAME AND ADDRESS IS INCORRECT AND NEEDS TO BE DELETED.

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 2020-12-08
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This is a continuation of the following complaint : XXXX. I have been trying on and off to pay the mortgage since XX/XX/XXXX for XX/XX/XXXX. One again the website to New Rez sometimes work and sometimes does not work. New Rez has previously given me a lecture on clearing my cookies, etc ... I have done all that and then some. Since it has been brought to my attention that the behavior that New Rez is displaying is not usual and customary, I decided to research how many other people are " having trouble with the cookies " on their computers. I have found out that there are many many many other consumers throughout the world, reporting the same difficulties with the New Rez website that I am. I would like to send a XXXX XXXX payment but am concerned, that based on New Rez previously taking my previous XXXX XXXX payments and dispersing it as they felt necessary, and refusing to reverse the unauthorized disbursement of funds after I asked, the same could happen to XXXX payment.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
TD account number : XXXX TD debit card number : XXXX I canceled my TD checking account. I used my debit card to return items at XXXX after the account was closed. I never received a check or refund for the following transaction and have contacted XXXX who tells me they successfully sent the money to the credit card. 

XX/XX/XXXX : XXXX refund ( XXXX ) I called TD on the following two dates : XX/XX/XXXX ( XXXX customer service ) and XXXX ( XXXX XXXX timestamp XXXX XXXX  EST ) XXXX sent an email to the department that would handle closed account transactions to get information. When I called back XXXX told me the department claimed they never had any record of the 'transaction ' or of a store attempting to give me a credit. I never gave a specific transaction the first time. I was not allowed to contact the department directly or dispute the transaction ( I was told I could not dispute the transaction - not receiving credit- unless I had a complete record of when I purchased everything I returned - not just the information from the refund ). I was never given an option to escalate the inquiry or request an investigation. I was left with no options other than to just lose money. I checked with XXXX and they sent the refund over and from there everything is the responsibility of TD ( attached proof from XXXX ). 


The debit card accepted the transaction and did NOT decline it. I will to get a full refund of the amount TD owes me, as well as full records of my account in case there are other transactions I am unaware of since TD is refusing to give me records or let me speak to the proper department and is handling this inappropriately and irresponsibly. 

In addition, I have submitted multiple requests and TD keeps completely bungling them. I had multiple transactions and instead of looking for each transaction separately, they combined them and told me they didn't find a transaction with the amount. 
I just received a letter saying they never found a transaction in the amount of XXXX but I never gave them that amount. They are handling this completely wrong and it's astounding the level of incompetence they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I used my credit card for a major renovation in my home in Guam and was shocked to know that Santander credit card charged me 3 % international transaction fee for over {$300.00} in fees! The fee is high ( gouging! ) and I complained that Guam should not international as it is a US territory. I used my XXXX and XXXX cards there but there are no such fees. I may not have complained if it was a small fee but 3 % is gouging consumers. I called them up to complaint and no fees were reversed. They responded that the only exception on card agreement for this card are transactions in Puerto Rico and DC. Guam not being mentioned will be considered international. The people in Guam are US citizens and there are XXXX US troops there plus families ( XXXX  and XXXX XXXX ) - they will be gouging these people for 3 % transaction fee each time. For one it is wrong to consider Guam as international transaction when I understand to be domestic under the US banking system ( US Fed Line ) and US currency ... .I also learned that there is no additional interchange fee from Visa or Mastercard for merchant transactions in Guam why charge the consumer extra fee? Second, 3 % is exorbitant. I think this is not a fair practice to tens of thousands US Troops assigned in the island and the US citizens that live there. I promptly closed my account with Santander but I wanted to bring this to your attention so they do not gouge others.

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 2020-10-24
Company: EQUIFAX, 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:
Recently, I checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX # XXXX, XXXX XXXX XXXX   # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Experian Information Solutions Inc.
State: NC
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:
My wife and I sent an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond in 30 days, but have not. Our follow-up letter has also been ignored.

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 2020-10-24
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:
Recently, I checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX   XXXX XXXX # XXXX, XXXX XXXX XXXX   # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX 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 2020-09-03
Company: Cadence Bank
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have had my credit card with BancorpSouth Bank in XXXX, MS for quite sometime. I pay my balance in full every month. I use the card for online grocery purchases, gas and some other occasional online purchases. 
On Monday, XX/XX/XXXX, I was notified through XXXX  that my authorized subscription for {$5.00} was declined by BancorpSouth Bank and that I needed to provide another form of payment. I knew this had to be a mistake. On Wednesday, XX/XX/XXXX, I used my BancorpSouth card at XXXX and at the gas station. Late Wednesday night, I created an online grocery order to XXXX. When I tried to use this credit card to pay, it was again declined. I thought maybe their system was down so I attempted again. 
During banking hours on Wednesday, I sent an email to BancorpSouth Customer Service to inquire what was going on with my credit card account. I received a response that I would be contacted within 24 hours. 
At XXXX XXXX  on XX/XX/XXXX, BancorpSouth Fraud and Risk Management Department contacted me and asked me to return their call. I called them back and spoke with XXXX. He immediately asked me for my card number. I refused to provide. In this day and time with all of the fraudulent transactions, I could not believe they asked for my card number. There has to be other ways to verify your identity. He said my card was placed on hold on XX/XX/XXXX and wanted to review some transactions with me. I asked him why it took 4 DAYS to contact me and that I had several transactions declined because of their hold. He provided no explanation for the delay in trying to reach me. This is very embarrassing! XXXX will no longer accept my BancorpSouth Bank credit card as a source of payment because they think I was past due or over my credit limit. What if I had been on vacation with this credit card as my only source of payment??? 
It is very obvious to be there is no standard of care or customer service at this bank. I still have not received a call from their customer service and it has been well over 24 hours mentioned in their email.

Company response to consumer: Closed with explanation