BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
From direct deposits being rejected to having the account closed unexpectedly ( customer security intake rep was extremely rude ) to waiting since XXXX XXXX, 2017 to receive a check for what was left in the account, it has been a nightmare and I could never recommend capital one bank to anyone, based upon my own experience. I 've also left several messages for the customer security intake team since XXXX XXXX to find out why my check has n't arrived. I 've yet to receive a call back. I had to speak with a supervisor just for her to tell me that a check was n't sent out until XXXX XXXX. I finally received the check on XXXX XXXX and dated XXXX XXXX. The check also indicates that, I requested closure of the account which is a complete fallacy. I was never told why my account was closed.
Fast forward to today, XXXX XXXX and I am having trouble cashing the check. I just left another voicemail for the security intake because the representative in customer service says that they are the only department that can verify funds. The XXXX XXXX XXXX will not cash the check because they say Capital One has a history of returned checks and that they could n't get anyone on the phone to verify the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Experian Information Solutions Inc.
State: AZ
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:
Im a victim of identity theft. My XXXX XXXX XXXX XXXX credit card account # : XXXX is lost/stolen. The fraudulent charges/transactions of {$22000.00} dont belong to me and they not my charges. The following XXXX XXXX XXXX XXXX # : XXXX, balance of {$420.00} is a fraudulent and unauthorized account and dont belong to me.

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 2021-12-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I received a refund from the personnel property tax on the XXXX XXXX XXXX pickup that was leased and paid off. The commissioner of revenue sent the refund check to CCAP AUTO LEASE LTD.CC. It was received XX/XX/XXXX and cleared the XXXX XXXX bank XXXXcashed by Chrysler Capital! this is my refund and should have been forwarded to me! Instead it was applied to my closed lease account # XXXX. My lease was closed XXXX._ this is money I paid in full to Chrysler Capital for my XXXX taxes before the lease was closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Im a victim of identity theft. My XXXX XXXX XXXX XXXX credit card account # : XXXX is lost/stolen. The fraudulent charges/transactions of {$22000.00} dont belong to me and they not my charges. The following XXXX XXXX XXXX XXXX # : XXXX, balance of {$420.00} is a fraudulent and unauthorized account and dont belong to me.

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 2022-01-18
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am only late with XXXX ( 2022 ) payment -- -- because my Monthly payment when up some {$200.00} -- -- because they under estimate my escrow -- years a go -- - ( some where around {$820.00} ) -- The wife and i are XXXX & XXXX and on a low fix income ... IT THEY THAT MADE THE MISTAKE AND IT HURTING US.. -- XXXX -- -- XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX -Company is PNC Bank ( Mortgage ) Loan # XXXX XXXX is -- -- -- -- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Experian Information Solutions Inc.
State: ME
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:
1. Applied for CC online for XXXX/XXXX  Card 2. Received letter stating " unable to approve your application because : The consumer reporting agency serving your area has reported only a limited credit history for you. '' - in fact my credit history is extensive and 'excellent ' 3. Called XXXX indicating that the Name on the app was misspelled, I have extensive credit history, and upon calling XXXX on the phone, they could not locate my SSN ( provided on the app ) 4. After talking to XXXX, they took my info and provide same result ( based upon data from Experian ), i.e. " unable to approve your application because : The consumer reporting agency serving your area has reported only a limited credit history for you. '' 5. I  called Experian this XXXX ; ran FICO score - score is 810+/excellent 6. Can't get anyone on phone at Experian to explain what they actually provided to XXXX  7. Experian online process does not enable this type of 'dispute ' to be handled Goals : 1. Avoid incorrect reporting of this CC request 2. Understand what Experian reported to to XXXX  3. Point out to CFPB Experian provides no mechanism to provide this information to customer leaving customer in the lurch ( not handled via 'dispute ' on line process and no human available ) - is this apppropriate?

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 2018-01-07
Company: Duncan Solutions, lnc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the XXXX XXXX XXXX Bridge tolls on XX/XX/XXXX to confirm the balance that I needed to pay in order to be able to have the DMV hold released. They advised me that all I needed to pay was {$250.00}. When I called back on XX/XX/XXXX to make the payment they confirmed the same amount of {$250.00} which is the amount that was paid. They advised me they do not issue any receipts and the only thing they could do was provide me with a verbal confirmation of payment. On both calls I was advised that I had other accounts with them however they did not have a DMV hold and the XXXX was all I needed to pay to release the hold. I contacted them again on XX/XX/XXXX to see why the hold had not been taken off they told me I need to pay an additional {$600.00} to have the hold release. I requested a supervisor ( XXXX ) who told me my balance was {$700.00} in order to release the hold. No statement has been provided for either of the amounts. The toll only cost {$1.00} each trip they told me I had a total of 7 trips so I do n't understand how my 7 trips can equate to XXXX XXXX dollars. I have left message for a manager by the name of XXXX XXXX who has yet to return any of my phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took out a payday loan with XXXX XXXX XXXX on XX/XX/XXXX for {$2600.00} which I was unable to repay and XXXX XXXX XXXX enlisted the services of XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX ( XXXX/XXXX ) to collect on their behalf. I settled with XXXX for {$1600.00} and made 16 payments of {$100.00} ( totaling {$1600.00} ). Per XXXX XXXX XXXX, XXXX only sent them {$260.00} as payment on my loan and thus XXXX XXXX XXXX sold the loan to Real Time Resolutions, who began collection efforts. I sent Real Time Resolutions ( RTR ) a fax containing my bank statements documenting my 16 payments to XXXX, but they have stated that they can not prove that the payments to XXXX are linked to the XXXX XXXX XXXX account. When I called XXXX to ask for proof of my payments, a switchboard operator informed me that XXXX is no longer in business and thus can not provide me with documentation. RTR has put the account on my credit report as a collection for {$3000.00}, which is false, as I made the settlement payments as agreed to XXXX. RTR has refused to remove the account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Greetings, I have tried to request a payoff quote for my loan that I signed on XX/XX/2020. 
There is still no record of the loan, but I am incurring daily interest on a loan that I can not pay off. 

I have no way to stop accruing interest on this loan and I was not quoted an exact date of when I would be able to get a payoff quote due to the nature of how Honda Financial Services operates internally. 
This system guarantees that consumers will be forced to pay a minimum interest amount due to the inability to pay off the loan until it is " In their system. '' I have called on XX/XX/2020 both to Virginia help center and New York help center and they verified that I will be accruing the per diem without any way of paying off the loan, admitting to a minimum guaranteed interest payout. 

Honda Financial Services VA - XXXX Honda Financial Services NY - XXXX XXXX XXXX XXXX  VA - ( XXXX ) XXXX On XXXX  XXXX, I was able to create an account and request a payoff. My incurred interest was {$8.00}. This was unavoidable based on the system set up by Honda.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-06
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted National Credit Systems on XX/XX/XXXX offering to settle the account for {$2000.00}. I received a call back from the agent who is in charge of the account ( Mrs XXXX XXXX stating they can not accept that and will send me a verification letter within the 15 days it is now XX/XX/XXXX and they never sent any verification letter. This is part of what my letter stated The letter will be treated as a contract and subject to the laws of my state. 
As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days, I will withdraw the offer and request full verification of this debt. 
Please forward your agreement to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Penn Credit Corporation
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
COLLECTOR AND CREDITOR ARE MANUFACTURING DEBT TO COLLECT ON AND XXXX COUNTY IS KNOW FOR FRAUD AND SCAMMERS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Citi once again you failed to indicate on the credit reports that XXXX is now the official debt handler Federal law require all creditors anytime that a placement or purchase has taking place it is a requirement By law its a federal law! I have sent you proof That its not reporting by law you have to remove this account from all credit files for failure to indicate on the 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 2018-01-09
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received an alert that a collection was added to my XXXX, XXXX, and XXXX credit report. The report showed a collection from XXXX XXXX XXXX XXXX, stating that I opened an account with XXXX on XXXX XXXX, XXXX, and owed a balance of {$660.00}. I contacted the collection agency and told them that I 've never had a XXXX account and that I do n't owe them {$660.00}. I also asked them to provide me with proof of a written contract stating that I opened a XXXX account on XXXX XXXX, XXXX, and they refused to provide me with such documents. I also called XXXX, XXXX, and XXXX to dispute the collection and the collection was removed from XXXX, but not XXXX and XXXX. Please have this collection removed from my credit report because it is making a very negative impact on my credit.

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 2017-07-28
Company: Accelerated Servicing Group LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I spoke with someone XXXX 2017 at Accelerated Servicing Group : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, him and I ( I believe XXXX ) made arrangements to pay {$100.00} a month, I told him I 'd call by the XXXX, if not I will for sure call by the end of the month. The company has called a few times already this month ( XXXX ) and when I called " XXXX XXXX '' I told him I was calling to make a payment, that my grandfather just passed away so that is why it 's later in the month ( but still before the end of the month ) He Immediately started raising his voice saying hm ok, you are no longer trusted to make the payments and the client wants to do automatic payments. I said no, what? what do you mean? I am calling by the end of the month. I did n't even get a chance to tell him I ca n't do automatic payments because I 've had so much fraud on my bank account and it worries me. He told me my credit was garbage and that is why I ca n't be trusted. What does my credit have to do with who I am? this " XXXX XXXX '' does n't know our story nor would he care and he treated me with so much disrespect. He than said I 'm not talking to you anymore, have your lawyer call me and hung up on me. How do I work towards making payments if the person who is suppose to be collecting the payments wo n't talk to me? I am now in the middle of calling the credit card company trying to see if they will take my payments or send it to a different collection agency because I DO WANT TO PAY IT OFF but I ca n't handle the belittling and bashing from this company because the situation is n't picture perfect. I have read numerous complaints about this company and they do not care how they treat people and the only reason they get payments is because they bully people and do n't treat them like people. DISGUSTING!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: BAM Management US Holdings Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello, I have been sending emails to Binance and US Binance regarding this issue since XXXX. They are a crypto currency trading platform. They only can be contacted by email and I have put in many support tickets, and have received either no response, or minimal response and one unkept promise to resolve the issue.

I been a long time customer of the original Binance. Late in 2020 when US customers had to close their Binance account and open a US Binance account I transferred several assets to new US account. My new US Binance account does not support one of the assets ( XXXX XXXX ) that I transferred. However, they hold the " keys '' to retrieve the assets. I have a copy of the email they sent me me stating they would retrieve the XXXX assets for a fee. At this point in my correspondence with them it is now XXXX ... XXXX months, and I agreed to the fee and gave them the info they needed to complete the task. I have heard nothing from them. I have tried every way I could research to contact them and nothing has worked, you are my last hope. We are talking about over {$6000.00} here which is a lot of money to me. 

Any help at all is greatly appreciated, it is a lot of money for me. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In Q4 XXXX, an account co-owner was removed from our Chase Rewards credit card account and ownership was transferred to me. I provided required documentation to assume this ownership and provide my identity. We have consistently made timely, full payments and been customers since XXXX. On XX/XX/XXXX, I learned my account was closed because my employees were unable to purchase gas. I logged in online and saw a notice that my account was closed. I called customer service immediately and was told that one call was placed to me in XXXX. I was told that they didn't receive an answer and didn't leave a message. Then, a letter was apparently mailed on Friday XX/XX/XXXX, which I have not yet received. My account was closed on Monday, XX/XX/XXXX because, as I was informed for the first time, " some piece of information I submitted in XXXX was hard to read/see. '' Neither the customer service representative, supervisor, nor floor manager with whom I spoke could confirm which piece of information I submitted was illegible. I was told they didn't have the authority over the phone to re-open the account. I was directed to send a communication online and fax a letter to see if someone else could resolve the issue. It was suggested that I open another account. I sent the message and the fax. I have not heard a response from Chase. 

The mishandling of this situation interrupted my business as employees out in the field can not purchase gasoline or supplies, caused distress for me and my employees, and has taken my time away from managing my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: U.S. BANCORP
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank failed to pay the appropriate amount of Washington DC property tax from our escrow causing us to incur late penalties and interest. We feel that US Bank is responsible for these extra charges. 

XX/XX/XXXX - first informed US Bank by phone about the incorrect property tax payment, and balance due. We explained in detail how to find the current tax bill and advised them about timely payment to avoid further charges. They still failed to make complete payment of the taxes before incurring more late fees in XXXX. We were promised a response in 10 business days. This response was 5 business days late. 

XX/XX/XXXX - second call made to US Bank to get them to complete the payment of XXXX taxes. They did not even attempt to make a payment until XX/XX/XXXX. At this point, even more fees had accrued. We were promised a response in 10 business days, and received none. 

XX/XX/XXXX - we paid the remaining taxes ourselves, to avoid further penalties and interest. 

XX/XX/XXXX - an email with details of underpayment of taxes and penalties incurred sent to US Bank representative, XXXX XXXX. No response to multiple emails. 

XX/XX/XXXX - phone call to US Bank Tax dept rep XXXX XXXX XXXX Texas Tax Center. She informed us that US Bank makes no attempt to acquire reissued tax bills, updated bills, or even attempt to pay those bills on time. US Bank looks at the tax bill up several months ahead of time and makes no attempt to ensure they are paying the correct amount on the actual tax due date. We were again promised a follow-up from US Bank after this call with XXXX XXXX, and have yet to hear from them, as of XX/XX/XXXX. 

We would like US Bank to cover the late payment penalties and interest we accrued due to their inability to pay the correct tax amount from our escrow account. The total amount owed from US Bank back to our escrow account is {$640.00}. A calculation of this amount is in the attachment.

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 2018-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Re former complaint number XXXX which CFPB closed as it seemed satisfied with BofA 's response : If XXXX XXXX, 2017 ended the 10-day monitoring period, why did it take BofA another month and a half to return the {$1600.00} to my accounts? That is the issue that BofA continues to dodge. I want BofA to address the issue that it took TWO MONTHS to return the funds to my accounts when BofA admits they knew the charges were fraudulent on the day they happened. Please address that issue and not that BofA DID return the funds. Address why it took BofA SO LONG to return the funds.

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