BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-05
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I originated an auto loan with Santander in XX/XX/XXXX. I started to have difficulty with the loan and placed it under a payment arrangement. To my surprise, the vehicle was repossessed on XX/XX/XXXX while under a payment arrangement. I did speak with the representative and asked, her reply was 'that doesn't mean anything '. I attempted to pay the entire delinquent balance even after repossession to regain the vehicle and was denied. 
I learned this month that Santander settled in a class action suit, admitting to initiating thousands of sub prime loans which violating protection laws. The notification stated, 'Santander will pay {$65.00} XXXX to the 34 participating states for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX. For consumers with the lowest quality loans who defaulted as of XX/XX/XXXX and have not had their cars repossessed ... ' I find it convenient that thousands of us had our vehicle repossessed prior to the XXXX XXXX, XXXX date to eliminate our sub prime loans from the Santander settlement, although we do have sup prime ( and therefore illegal loans ). So we now owe the company a deficiency balance for a fraudulent loan, in spite of them admitting the loans were fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: BSI Financial Holdings, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I was notified by my current mortgage lender, XXXX XXXX XXXX, that my mortgage was to be sold to BSI Financial Services effective XX/XX/XXXX. 
On XX/XX/XXXX I received a copy of the billing notice from my insurer for my homeowners policy with the total amount due, due date of XX/XX/XXXX and notification that the bill was sent to : BSI Financial Services Inc, XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 
On XX/XX/XXXX I received a notice from my home insurer, XXXX XXXX XXXX XXXX XXXX XXXX., stating that due to non-payment of my homeowners policy my policy will expire on XX/XX/XXXX. 
I promptly contacted BSI Services customer support line ( XXXX ) and was told they never received a bill and that it was my job to notify my insurance company that my mortgage had been sold with the new contact information. The customer service rep continued by saying that this was stated in the notification letter I received from XXXX on XX/XX/XXXX. This is not factual and I shared that information with the BSI Financial representative. She ignored my rebuttal and provided me with the number for the BSI Insurance division and said I need to give that info to my insurer. 
I contacted my insurer on XX/XX/XXXX and gave them the info to contact BSI Insurance Division. 
On XX/XX/XXXX I received a call from my insurer stating that BSI Insurance Division was unable to find my account. I proceed to call BSI Insurance ( XXXX ) and was also told that they had no record of my account and that I needed to speak with BSI Customer Service! 
I immediately contacted BSI Customer Service who found my account and said that it might take 30-60 days for their Insurance Division to receive account information from a sale. They suggested sending the original bill in the mail to BSI ( which was already completed on XX/XX/XXXX ). 
Im at a total loss as to how this company is allowed to stay in business. They had {$2000.00} in my mortgage escrow as of XX/XX/XXXX, {$680.00} more than enough to pay for my homeowners insurance that they are responsible for paying. 
I implore you to hold this company accountable for their sloppy, inaccurate and inefficient processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
In XX/XX/2018 I discovered a XXXX XXXX XXXX  Visa XXXX ( XXXX ) credit card on my credit report. I called the bank and they said I opened this account some two years earlier. I reviewed my records and I believe that this account is not mine and I contacted XXXX and told them this account was not mine and that they should close it asap. 

The account has a XXXX  balance and they refuse to remove this account from my credit 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 2019-05-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our original mortgage company was XXXX XXXX XXXX  XXXX. Which has apparently been transferred to Citizens One Home Loans on XX/XX/2019. When we took out the mortgage with XXXX, they appraised our property for a certain amount. We wanted to refinance and sent our information to Citizens One Home Loans, the loan officer gave us positive feedback and requested another appraisal, which we had to pay for. When the appraiser came to the property I showed him the XXXX appraisal and he set about his business. 
When our loan request was denied we found out that this appraiser only appraised part of the property. Of course resulting in the denial. 
So I contacted him personally and he told me that Citizens One had told him to only appraise part of the property. 
That being said, I feel we were unfairly represented in our request and duped into Paying for an unjust appraisal. 
We are now unable to talk to the loan officer ( no return calls ) therefore unable to resolve this highly unfair and frustrating matter. XX/XX/2019 2019

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I would like to dispute a XXXX XXXX collection account that appears on my credit report in the amount of XXXX. I am not aware of this account or company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was recently reviewing a copy of my credit report and discover it contains some errors pertaining to the following personal information. I'm requesting that you update and delete the address. I have never resided there. they may be possible relatives addresses but they are not mine. I have accounts that are reporting inaccurate and incomplete credit information on my credit report I am also unable to get my equifax credit report. I have a current account with XXXX XXXX I do not hold them onto account however I have 2 negative accounts listed on XXXX XXXX which I do not owe. I will list my current bill with XXXX XXXX in the documents section below. I am also requesting my name and addresses telephone numbers be updated and removed and any other names and addresses and telephone numbers that do not belong to me. 
XXXX XXXX XXXX -UNKNOWN ACCOUNT Inaccurate addresses XXXX XXXX XXXX XXXX , ny XXXX XXXX XXXX XXXX , ny XXXX XXXX XXXX XXXX , ny XXXX XXXX XXXX XXXX , va XXXX XXXX XXXX XXXX XXXX , ny XXXX XXXX XXXX , ny 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 2019-01-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase bank received my mobile deposit on XX/XX/XXXX they hold ck which is fine, XX/XX/XXXX available balance check cleared, I am at Chase trying to get money from ATM and they have restricted my acct on the possibility that check will bounce I have no neg history never have had history of neg at all with them. Yet I deposited a ck and my acct is placed on hold. I spoke to 3 ppl one says check funds will be available when my acct is off restriction next guy says he can't guarantee but check will be returned tonight last guy says my funds aren't available and they haven't received check back 5 days and they show available funds but funds aren't because acct is on restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: BARCLAYS BANK DELAWARE
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Barclays Card Services XXXX. XXXX XXXX XXXX, DE XXXX Ref Account : VISA credit card XXXX Cardmember Cardmember Address Insert from BARCLAYS Complaint Policy found its official website : Barclays is committed to offering quality products and services. We want to make it simpler for our cardmembers to report instances of dissatisfaction. Barclays uphold principles that aim to : Ensure that all customers are treated fairly and ethically, and that issues are addressed promptly. 
Embed complaints principles and complaint standards across our organization. 
Ensure that team uses sound judgment, in combination with the standards set by Barclays, to reach suitable, consistent and timely decisions. 
Inform cardmembers about complaint status and resolution. 
Make certain that all colleagues are certified on our complaints policy and principles. 

I called Barclay at XXXX-XXXX-XXXX on Monday XXXX CST. I was on hold for 1 hour and 56 minutes. I discontinued the call. 
I call Barclay at XXXX-XXXX-XXXX on Tuesday at XXXX XXXX CST. I was on hold for 45mins and finally got to speak with a Dispute Specialist, her name was no given. 
I requested to dispute a phone purchase transaction of {$190.00} with XXXX XXXX. The Specialist said that her system kicked her out the 3 times she tried to enter the dispute. The system auto closed the application. She then advised that she could not help and discontinued the call. 
This clearly DOES not support Barclays commitment of Ensure that all customers are treated fairly and ethically, and that issues are addressed promptly. the fact that this application has been configured to discriminate and treat Cardmembers unfair and differently because of the type of transaction is UNFAIR. I as a Cardmember need to be treated equally and fairly. I as Cardmember should be given the same accessibility & service as others Cardmembers are given to submit a dispute. No matter the outcome. That Service should FAIR and open to all Cardmembers, and not have a configured System to treat me unfairly. This is an ethical and the CFPB regulators and Visa have been copied carbon to this letter of this UNFAIR treatment based on the Dodd-Frank Wall Street Reform and Consumer Protection Act. 

Please response to this correspondence, Cardmember Cc : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA 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 2019-05-14
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Compass Bank where I have had a business account for over 11 years has no security to protect my account from fraudulent multiple cashing of the same check number multiple times for different amounts. If they had even a basic level of security this would have stopped what turned into 22 fraudulent checks cashed by mobile banking for {$44000.00}. 
Compass " no security '' Bank as I now refer to them had 5 chances in the beginning of this fraud to stop it in its tracks, over 30 people I spoke to were shocked that Compass " no security '' bank can not detect when the same check number is cashed multiple times for different amounts, that should ring bells shouting that there was a huge problem. 
There is a huge and growing problem with mobile banking that is not being communicated in any way to account holders that their checks can be cashed multiple times. I never knew anything about mobile banking, nor did I give permission for it to be used in connection with my account. 
I have never bounced a check in my life, yes I do not monitor my account because I knew what was coming in and going out, it was never communicated to me that I was the security for Compass " no security '' bank. I would have been better off if I kept my money in a sock, at home. I am the victim here yet Compass tied to make me feel that I was somehow part of the fraud. They could not even give me the correct forms to fill out over a 2 month period because I was out of town I had to fill out 22 forms 3 times, its amateur hour at Compass '' no security '' bank. am XXXX and I needed expert but that's not what I got, to help to figure out things like them cashing the same check numbers what I thought was 19 checks turned into to 22. Consumers be aware Compass " no security '' bank does not have your back, demand not to allow mobile banking with your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
midwest recovery systems popped up on my XXXX credit report today, im sure the other two are to follow. i have never heard from this company, received a letter from this company, nor received any phone calls from this company. lastly they do not have a license to collect debt in the state of texas. this need to be removed from my credit report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
On XX/XX/2018, I scheduled a payment of {$290.00}. Upon reviewing the account, I noticed that Capital One put a hold on the account, so I made a call to their customer service department. The customer service agent willingly was able to release the Hold. I used the card for a Cash Advance purchase and a General purchase. As soon as that happened, I noticed that Capital One put a second hold on the account. 

Capital One maintains that the reason why this happens is to avoid identity theft. I was able to verify my account with this company on several occasions, but this company continues to use the same tactics again and again. I'm finding that Capital One, while they are obliged to follow security regulations, are acting in a suspicious manner to constantly put holds on the account even after I've made several confirmations of my identity. If this continues to happen, I will cease all use of the card going forward and will reach out to the community to share my experiences with similar customers. People who use Credit Cards would absolutely want to hear about incidents like this as it will help them decide if it's a service worth having. 

Additionally, I realize your company is bound by procedure/policy, but you really should not ignore complaints like this, because ignoring complaints like this could ultimately harm your business, ESPECIALLY if it's shared with the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are reporting incorrectly a charge-off in the amount of {$1200.00} on the XXXX  XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account has been paid and needs to report a {$0.00} balance. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to resolve this issue, however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
On XX/XX/XXXX I phoned Bank of America about interest charges that they charged me that I felt were charged incorrectly/unlawfully. They told me that they are required by the government to allocate my payments to the cash advance before my most recent purchases, even when I am paying more than the minimum and well over the minimum + purchases + paying down the cash advance. 

They are now stating that because the account has a balance ( due to the 0 % cash advance amount that should not be charged interest until XX/XX/XXXX ) they are charging me interest on the small purchases I more than pay for every month as I am trying to pay off the cash advance in a timely manner. 

I pay the minimums + whatever I purchased during the previous statement billing cycle + additional money to pay down the 0 % cash advance and they are still charging me interest. 

On one statement it appears as interest on my current statements purchase ( at the rate of over 18 % ) even though I more than paid those off that month. 

On the next statement there is just a vague fee titled minimum interest charge. 

They would not reverse the fees and told me I would be charged interest on new purchase until I paid off my cash advance ( which has 0 % interest until XXXX! ). 

To the best of my understanding this completely violates the Credit Card Act of 2009.

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: 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:
After months is disputing XXXX XXXX on my credit report I final had the lender submit proof that they are incorrect and because of a pending appeal I have with the XXXX XXXX XXXX district Court they will not validate or submit payment information i send Experian proof and they refuse to acknowledge my claim. The just re dispute the information if the information is inacurrate and the lender responded to my claim and I submitted that information to experian, and it has not been corrected then the information must be deleted i have been calling and sending verification request and neither the lender nor Experian have taken the time to review my continuing dispute. At this time they violated my rights and I demand the trade line 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 2020-02-21
Company: CCS Financial Services, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased a car from Hyundai Motor Fin. at the end of the lease I turned the car in. They charged me XXXX excess mileage. However they closed the lease and stated that they will send me a payment plan for the mileage. I never received the plan and now they are reporting the car late each month when they have the car

Company response to consumer: Closed with explanation