BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2019 I scheduled a one time payment with Nissan Finance to pay my auto lease. I looked at my bank account on XX/XX/2019, and noticed Nissan Finance took out two payments one was with my authorization one wasn't. I contacted Nissan Finance and explained the situation to them and they stated I had to provide bank statements proving the funds were taken twice which I have no problem doing however, I did not give Nissan authorization to take two payments and was never notified of a 2nd payment that was scheduled. I tried to explain to the chat rep and the customer service rep that Nissan did not have permission and they kept stating that I have to wait 21 days and i'll get a refund in 5-7 business days after the fact. To me this is absurd it was Nissans mistake by taking an unauthorized payment. If Nissan is saying I scheduled two payments I would like proof of this they must have analytics they run in the background to prove I clicked the " authorize payment '' button.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Original ( vehicle XXXX loan was with HSBC in XXXX. In XX/XX/XXXX the loan was satisfied with the last statement in possession with HSBC. HSBC was contacted recently for a lien release, which was never received, who then directed the attention for the lien satisfaction to XXXX  XXXX. HSBC stated XXXX  XXXX adopted the loan account and would be responsible for the lien satisfaction statement. XXXX  XXXX title dept was contacted with all details, a fax request was sent per XXXX  XXXX request. A telephone call was made today XX/XX/XXXX, by me, for a follow up of the fax request. XXXX  XXXX XXXX XXXX XXXX XXXX is now claiming they don't have access to the account information, therefore are unable to provide the lien satisfaction. The loan was for a motorcycle which has been recently sold. New buyer needs this for title purposes. XXXX reflects the lien as still " XXXX ''. A lien satisfaction was never received by either HSBC or XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: SUNTRUST BANKS, INC.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have already submitted a 2 complaints and you closed one and said the other was a duplicate. Now 3 I have submitted for XXXX XXXX Suntrust account XXXX opened on XX/XX/XXXX and closed on XX/XX/XXXX regarding my {$10000.00} that they have continued to keep. See my attachments. First they were sending it in 15 days and then the second letter after you contacted them said they would be issuing the check on the XXXX of XXXX. Well, I just called them and they said they were going to continue to hold it. Now, I have tried with you and them. I have now hired a team of attorneys to get my XXXX plus all the damages we have accrued since the account was closed. And, boy are there some damages. Finally, I will get my money through the courts. I tried to tell you people that they sent my money to a money market account ... .and they did! I tried to warn you about the 3000 complaints against this bank. I just want my money and I want them to pay for all my damages that we have accrued because of them and pain and suffering we have been through ... you can't imagine, but you will see soon I ' very certain. You should have got my money back, but you canceled my claim and the 2nd one. 

We will see what a judge says ... because I will not stop until I feel better about being victimized by Suntrust bank and those whom could of stopped this massive misuse of my funds! It's criminal!!! 

We were smart enough to have witnesses on today 's conversation with Suntrust ... can't wait to get our money back we have had to eat beans for a month and my wife could not go to the doctor and see is very sick. You people should be ashamed!!! 

XXXX XXXX Good Luck!

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 2021-03-31
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter dated XX/XX/XXXX from SunTrust bank, telling me that there was a lapse of XXXX day in my home insurance policy renewal and therefore I owed them {$13.00}. 
On XX/XX/XXXX, I spoke with a SunTrust representative name XXXX to explain that there was no lapse because : - XXXX ) I have the same XXXX insurance company, and - XXXX ) XXXX policy lapses at midnight XX/XX/XXXX an the renewal started at the same moment on XX/XX/XXXX at XXXX AM. 
XXXX told me that the original policy ended on XX/XX/XXXX and the renewal ( with a different number even though it was the same insurance company ) started on XX/XX/XXXX. 
I agreed to pay the {$13.00} to settle the matter. 
MY COMPLAINT IS AS FOLLOWS : - XXXX told me that an escrow will start to charge me to cover the cost of an insurance policy which will start on XX/XX/XXXX even though I have never had an escrow on my mortgage with SunTrust and have paid the mortgage, the insurance policy and and the taxes on time for the decade that I have had the mortgage with SunTrust. 
- She refused to generate a bill for the {$13.00} when I asked for it. 
- When I asked to talk to a supervisor who could settle the matter amicably, XXXX told me " I am the supervisor '' and refused to connect me with someone in authority. 
- SunTrust is being abusive by trying to generate a revenue stream when I have never given them a reason to doubt my creditworthiness or willing ness to pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-09
Company: Paypal 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:
Since XX/XX/2021, I have been dealing with someone using my information. From PayPal, XXXX, and now XXXX they open a credit card that now will hurt my credit. 
Please I need help, the phone number they keep using is XXXX. I live in Florida thats NOT my number. Please HELP, I suffer enough & this scam is not helping, I contacted the FBI. On this I need your help. Please. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-15
Company: Ditech Financial LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
DiTech Mortgage is improperly placing a 30 day late on my mortgage trade line. I make extra payments nearly every month, just in case a payment isn't received by mail, or if payment changes and I haven't been warned ( See attached Payment History ). I received a notice that showed an account number different than the one I have on my ACH payments from XXXX XXXX. There are 2 accounts with DiTech that are in my name, but one of them is managed by my ex-wife and has been for over 10 years. So, I thought it might be hers. I would have been able to take care of this notice of short payment if the letter had the property address on it, but it didn't. I found that really odd. So, by the time I was able to hear back from my ex-wife, we were at the XX/XX/XXXX and a bit over {$100.00} was due. Since I was not at home or had bank routing information when speaking with a diTech representative, I had no choice but to send an ACH payment THAT DAY from my mobile phone ( See attached DiTech Supp Pmt ). My bank shows to have executed a payment on XX/XX/XXXX. DiTech is noting they didn't receive the electronic payment until XX/XX/XXXX ( See Payment History ). DiTech also is not applying my money payments WHEN RECEIVED. They claim to keep money " in suspense '' until the full amount is paid. My note ( See attached ) makes no mention of lender being allowed to hold payment and not apply it to the balance immediately. They are also not sharing with me where the money is being held, if it is collecting interest, and who is entitled to that interest. I ask that DiTech and ALL OTHER lenders CEASE and DESIST from this business practice of holding money in suspense. 

So, the bottom line is that I am paid well in advance of my amortization schedule, I pay extra every month so that nobody may report me as not being credit worthy, or paying back on time. I feel they are trying alternative ways to make money. I want late fees credited, the 30 day late removed from my credit, and a letter from DiTech stating their apologies for improperly handling this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Pendleton Capital Management
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Hello, My complaint is for the Pendleton Capital Management Inc. 

My first issue with this company was about two years ago. I originally had set up a payment plan and was intending to get the debt taken care of. I then had an emergency which caused me to not have enough to make my payment, I then reached out to the company to let them know that I was unable to make the payment as discussed. 

I spoke with a representative named XXXX XXXX extension XXXX. XXXX demeaned me, called me a bum, swore at me, told me I need to grow up and get my XXXX together. 

I chose to disconnect the call at this point and she proceeded to call my mother who was a reference on the initial loan, left her a message stating that she has been unable to get in touch with me. 

I was quite upset, my mother ended up calling back and speaking with XXXX supervisor. She then reached back out to me and apologized on XXXX behalf and said that they would delete my mothers information and that XXXX would be reprimanded. 

I then did not receive any more calls for about the last two years. Today I get a voicemail from a gentleman named XXXX XXXX, I returned his call to his extension and left a voicemail. I then called back to speak with someone who was there so that I could figure out what this was in reference to. XXXX XXXX answered the phone, of course I disconnected the call immediately. I then called back and smoke with another supervisor, to whom I explained the previous situation and requested that they do not contact me again. I told them that they are not allowed to harass me as it is in violation of the FDCPA and that I would be filing a claim against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Public Title Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
On XXXX XXXX 2017, I was given a HUD report by a closing agency, XXXX XXXX XXXX, XXXX. This information was to be given to me three days prior to the closing of my home, but was only given to me the morning of closing. In the report there was one very large loan in the amount of XXXX missing, which I could have caught if I had the report in time. The closing company also gave an Attorney my settlement information which I asked that they not do. The attorney ended up getting most of the settlement. I had given the closing company all of my loan numbers two months prior to the closing date, but this one large one was overlooked. I was contacted by the company and wired the money back to them. I asked at the time if they had error and ommissions insurance and they said no. They then contacted my mother and harassed her in making sure I wire the money back. My mother is in the XXXX XXXX business. When I asked my seller Agent about the HUD paperwork prior to closing on three different occasions, she stated that she never gives the HUD to sellers, only buyers. Her name is XXXX XXXX of the XXXX XXXX branch of 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 2020-11-12
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Voice mail as follow- XXXX XXXX my name is XXXX XXXX I'm contacting you regarding your case that is in the process of being filed to XXXX County by XXXX to make you aware that I ____ your case number XXXX __ ____ __ the county it becomes a matter of public record and there is an order for your location since I was unable to reach you by phone __ XXXX I have been instructed to contact your employer is because your supervisor because it does look like that is going to be your likely place of location XXXX you have the legal right to contact the _________ office that is processing your case however you would have to speak with them before your case about not sure case of discharge from their office all of your legal rights will be forfeit the number provided for their office is XXXX and also XXXX XXXX that you're going to need to speak with _____ legal department XXXX XXXX you are being legally notified by telephone and _ ____ so otherwise you will be located at your primary residence place of employment or third-party relative

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Capital one sent me a mail that they closed my account due to inactivity. I have not received any notice that they are closing my account. I have a small credit limit of {$3000.00}. My credit score now has gone from XXXX to XXXX. I called them today XX/XX/2020 to fix the issue but they would not do anything for me. Closing an account without warning at the time of pandemic and social unrest, where people are losing their jobs is not humanitarian. While lot of companies are waiving their fees and extending their payment due times to accommodate for the hardship that has hit our country and the world, Capital one decides to close accounts due to inactivity without giving people a chance to prevent the closure- this significantly impacted my credit score. I was thinking of applying for refinancing of my home now what am I going to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
A {$4000.00} checking account bonus was due to be paid to me by XX/XX/2021. 
XXXX Opened complaint through email with local banker XXXX XXXX XXXX Received acknowledgement for investigation XXXX XXXX Emailed XXXX, stated she would send in a 2nd request XXXX Emailed XXXX, asked if there was a phone number I could call, given XXXX. 
XXXX Called XXXX, spoke with XXXX XXXX Stated she would investigate and give me a call the next morning. She mentioned the promotions department is overseas and doesn't respond until overnight and she provided her direct number XXXX. 
XXXX XXXX called me, stated the {$4000.00} is pending approval but the approver is out of the office.

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 2019-01-29
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Chase emailed and sent physical XXXX XXXX chase account to my address, stating it was opened up on XX/XX/2019. I immediately called and stated I did not open this account and they freezed/locked the account immediately. They are looking into who did open the account but have not contacted me any further. My credit report shows no other fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, 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 information incorrect

Complaint:
I initially contacted the credit bureau by mail XX/XX/20 to inform them that there were inquiries on my credit report that did not belong. I have not received any information as to why they are still reporting but I am being negatively impacted by these inquiries. I have sent another letter to the bureaus on XX/XX/20 to dispute these inquires again to have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/XXXX I received a Letter from Midland Credit Management Via XXXX stating I have a balance of XXXX. MCM stated they are considering forwarding this account to an attorney in my state for possible litigation. If they do not hear from me MCM may proceed with forwarding to an attorney. The letter head date says 9/3/2014, with a supposed deadline of XX/XX/XXXX. I receive restricted harassing phones calls through out the day every day after XXXX, I Believe its Midland Credit Management .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-10
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX I went to XXXX  XXXX  and tried to purchase something but was declined at the register tried again got declined again but upon checking my account after the second decline the amount of {$23.00} that I was just declined for was taken out my account and then 5 minutes later some reload something took out {$10.00} and the bank acts like theres nothing they can do I had to file it as unauthorized charge and been waiting forever with no questions answered why didnt my card work and why did the money still come out

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 2020-10-10
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I paid {$100.00} for products on PayPal and after I sent payment the seller stopped responding and blocked me. 
I opened up a complaint with PayPal and they said that they did not find any fraudulent activity although Im positive the seller never verified sending me anything because I do not have anything. They simply stole my money and PayPal helped them do it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started with a refinance on XXXX, gave the a {$500.00} good faith deposit on XXXX, after several weeks, and lots of paperwork sent to them, I got an appraisal on my home on, XXXX. 
Then after several more weeks, I get 4 loan estimates ( non of which was for what I had been told ) I was asked for more check stubs, and other paper work. 
My interest hold was running out on XXXX, and got extended until XXXX, and still no closing date. 
On XXXX I got referred to another person at Rocket, that was a " top specialist '', to help get this closed. It was him that came up with the inspection report? He said I needed to see page 4 and do the foundation repair before the loan could close. I only had until XXXX to get that done? They drug their feet for 60 days, and were only giving me 3 days? 
He said Rocket would withdraw the lone if I didn't, I had an appraisal not inspection, I don't have a foundation, and I couldn't get it done in 3 days. 
I know they will say I withdrew the loan and I don't get my money back, they never intended to loan my money they just didn't have the balls to tell me, so they came up with something I couldn't do, to say I did it. 
when I told the " specialist '' that he referred me Client Relations, I got one call from them that I missed and have not heard anything else from Rocket.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-31
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Fay Servicing , LLC, XXXX XXXX, Case Manager ( XXXX ) along his Supervisor, XXXX XXXX ( XXXX ) and their attorney, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Pre-Sale Manager, on XX/XX/XXXX @ XXXX EST ( 5mins 57 seconds ), refused to cancel the foreclosure date pursuant to : FOR HOMEOWNERS FACING FORECLOSURE The initiation of new foreclosures is prohibited until XX/XX/XXXX, pursuant to regulatory guidance issued by the Maryland Commissioner of Financial Regulation under the authority of Governor Hogans executive order XXXX ( which amended and restated previous orders issued on XX/XX/XXXX and XX/XX/XXXX XXXX. The order directs the Commissioner to temporarily suspend the Notice of Intent to Foreclose electronic system. This means that homeowners should not receive a document called a Notice of Intent to Foreclose from their mortgage lender or servicer between XX/XX/XXXX and XX/XX/XXXX. If you received a Notice of Intent to Foreclose during this time period, please notify us by email at XXXX or by phone at XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
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:
XXXX XXXX XXXX  on my credit report was not mine it was determined by the police that this credit card was used to pay a cable bill at an address I never lived at

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