BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-12
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/19 I entered into a repayment agreement with Barclays to pay $ XXXX/mn on my account. I paid them {$160.00} on XX/XX/19 & set it up on an auto pay for the XXXX of the month, when the bill is originally due. I made sure to specify they were to take out $ XXXX/mn only. On XX/XX/19, Barclays not only withdrew {$1000.00} from my checking acct, but they set up their own auto pay in the amount of " other ''. On XX/XX/19, I received a notice from my bank that I had used the overdraft on my account. After investigating, I saw that Barclays had removed the {$1000.00} without my consent & had set up an auto pay of their own to be withdrawn on the XXXX of each month in an undeterminable amount. I immediately contacted Barclays. The customer service agent told me that I had set that auto pay up & authorized the withdraw of {$1000.00}. I talked to XXXX, a supervisor, who advised me that it was a computer glitch. She said it would take 25 days for them to investigate. I contacted my bank, talking to XXXX. She started the process of disputing this withdraw, saying it would take 10 days. On XX/XX/19, I received the {$1000.00} back into my account. Barclays shows the transaction on their end as " an unauthorized cash advance. '' While I have received the funds back, I have been charged with overdraft fees in the amount of {$180.00}, late fees from the gas company, mortgage company & a couple of credit card companies as well as return check fees from the same companies. This would not have happened had Barclays not removed the funds from my account on XX/XX/19. I removed my bank account from my Barclays account. I received the email confirmation for the {$160.00} auto pay AND for another auto pay with the amount " OTHER '' where the payment would be.

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 2017-12-21
Company: HUNTINGTON NATIONAL BANK, THE
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our house experienced flooding from Hurricane Harvey on XXXX/XXXX/XXXX. We obtained our insurance proceeds from the XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$250000.00} based on the estimate of flood damages. The check was made payable to us and the mortgage servicer, Huntington National Bank. We understand that the Mortgagor, XXXX XXXX wants people to repair their homes and not walk away from the flood damaged homes by allowing the homes to go back to the Mortgagor, XXXX XXXX via the foreclosure process. However we did not expect the mortgage servicer, Huntington National Bank to  hold funds and make it difficult to get inspections on the status of the home so that funds can be released to the builder who is putting the home back in its original condition. We have filed several complaints including one open complaint with XXXX XXXX Case # XXXX regarding the issue of Huntington National Bank not setting up inspections timely and allowing the builder to go unpaid. How bad is it? I have spoken to Huntington National Bank on  several occasions including XXXX XXXX in their property damage department to try and schedule timely inspections. Now I have been assigned to one of Hunting National Banks corporate officers, XXXX XXXX ( XXXX XXXX XXXX to specifically address the situation based on complaints filed. I have informed XXXX the house would be complete by XXXX/XXXX/XXXX and we needed to have weekly inspections so we could have the builder paid to avoid the filing of a lien and the work being stopped for lack of payment. Luckily the builder was convinced he would be paid so he has continued working. However the home is complete and we only have approximately XXXX of the XXXX in insurance proceeds that is due to us and the builder for re-construction. This is not how the process is supposed to work. We can not be that far off the inspection process to assume the home is only 50 % complete when in fact it is now finished. I feel like this is gross negligence by the service provider on the handling of the fiduciary funds held in escrow. We are now in the process of hiring an attorney to sue the mortgage service provider, Huntington National Bank for breach of fiduciary duty. This is completely uncalled for and not what the intent of the avoidance of the foreclosure process was intended for. We have suffered undue anguish from having to worry about whether the builder was going to complete the home since he has not be paid for the work timely and how we would come up with additional funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I visited a Capital One " cafe '' branch in XXXX XXXX, XXXX, MA in order to resolve a freeze that had been placed on my saving account 3 months prior. ( I filed a separate complaint about this issue earlier today ). 

As I spent months trying to resolve the issue with Capital One, and they still would not remove the freeze on my account even when I went to this branch in person to verify my identification today, I demanded that they return my money from their savings account ( {$15000.00} ), which I had transferred from my bank account on XX/XX/XXXX. 

The Capital One representative told me they could not send the money back, would not explain why, and said I had to get the money back by going to my bank and asking them to retrieve the funds from Capital One. 

In essence, Capital One has held my money in this savings account for 3 months, have given me NO interest on it ( they advertise 3.4 % APY on this account ) and is not sending my money back to my bank account from where it came. I feel they are holding my money illegally. 

I have attached a bank statement which shows the {$15000.00} transferred out of my other bank account ( XXXX XXXX XXXX ) to Capital One on XX/XX/XXXX. 
I've also attached XXXX statements from XXXX and XX/XX/XXXX by Capital One showing the money in my savings account there and zero interest accumulated. 
Capital One has not provided me a XX/XX/XXXX statement still for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt verification letter to the company to verify this debt. I have not heard back from the company verifying the debt. I do not think this is accurate and is being falsely reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please delete all hard inquiries these are not authorized by me! 

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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: LAKEVIEW LOAN SERVICING, LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I want to pay off my " closed-end '' loan secured by my dwelling. 

Since XXXX/XXXX/2020, I have made THREE requests to my mortgage loan Servicer for an accurate statement of the total amount that would be required to satisfy my obligation in full. 

Two of the requests were made by secure, internal emails through the online back office provided by the Servicer The third was completed by phone, speaking with a " live '' customer service representative. 

Each request included a specified date, according the rules and requirements of the Servicer, by which the funds for the Payoff must be received by the Servicer. 

As of today, Friday, XXXX/XXXX/2020, there has been no reply by the Servicer, so I contacted their Home Office, again, at approximately XXXX XXXX  CT. 

Of course, I encountered block and tackle resistance by way of an extensive, automated " choose an option '' menu. Eventually, I was advised to visit my online back office for resolution. This is XXXX  run-around, as there is NO process in the online back office to receive any Payoff information. One can only submit a request FOR information. 

Before ending the call, I was prompted to leave a call back number, which I did, because the " wait time '' today is very long. At this moment, it is XXXX XXXX CT and there has been no call back. 

Am I being fair-minded, or unreasonable? I don't know yet. Is there is CFPB rule concerning the amount of time a Financial Institution is allowed before responding to a request for a Payoff? 

Please provide advice on the actions I should take next for resolution of this issue. 

Thank you for your time and attention.

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 2019-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAP ONE AUTO with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with TD BANK USA/TARGET C. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXXn, XXXX, XXXX and TD BANK USA/TARGET C with no successful resolution. XXXX, XXXX  and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I was recently, in the last month emailed, that my monthly payment would be going up {$100.00} more per month to compensate for the additional {$490.00} difference in my insurance and taxes ( escrow ). I was also told that they had to double it because the previous year wasnt taken out enough then either. So due to their mistake, Im being charged an additional {$100.00} more per month for my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: PENTAGON FEDERAL CREDIT UNION
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:
Unauthorized inquiry/inquiries.

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: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland Credit Management sent letters to wrong address so I was unaware they were contacting me. I sent them a debt validation letter on XX/XX/20 I forgot to send it certified. I sent a certified letter on XX/XX/20. It has been 30 days and I haven't received validation of the debt. I received a letter last week that demanded I contact them by XX/XX/20 and demanding payment or they are going to take legal action against me. I have already contacted them with the 2 validation letters and they have not sent me any proof that the debt is mine or that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was granted a discharge from the debt owed to the US DOE. The DOS was informed by the collection company to NOT take any further payments from my bank account from XX/XX/XXXX-XX/XX/XXXX. The Department ignored the demand and withdrew payments totaling, {$870.00} ( {$170.00} per month during the period ). I have attempted to reach out to the DOE regarding my refund and I keep getting the response from agents that a refund will be issued in " 45 days ''. The 45 days started XX/XX/XXXX. I have yet to receive the refund and the DOE keeps tagging an additional 45 days each time I call, assuring me I am not going to get my money back that was illegally taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Experian Information Solutions Inc.
State: MI
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:
i sent a dispute letter on XX/XX/21 asking XXXX  and Experian to provide documents on how they verified *XXXX  XXXX XXXX  XXXX XXXX and *USBK Court XXXX Michigan Docket . per the letter i received from United States XXXX Michigan Court they DO NOT provide any case information nor update information to any credit reporting agency. I ask transunion to provide documents on how they verified these items or delete from my report and they still haven't deleted these items from report nor provided document

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 2021-01-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Transaction from XXXX XXXX were made on our credit card without permission in XX/XX/2020. Since then I've submitted appeals to the fraud case every month to get Chase to realize we never granted permission to this company. 

In a detailed letter we shared the FBI agent 's contact info to confirm this with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Please delete the below inquiries, listed here as well as on my identity theft report attached due to me being a victim of identity theft. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 TransUnion XXXX XX/XX/2022 TransUnion XXXX XX/XX/2022 TransUnion XXXX CA XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XX/XX/2022 XXXX TEXAS XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX ACCEPT XX/XX/2022 TransUnion XXXX XX/XX/2022 TransUnion XXXX CRE XX/XX/2022 TransUnion Please also remove the below addresses as they are not deliverable to me by U.S. post office and they are not reportable as per the FCRA since the addresses is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX PARK XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX TARRANT XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 non-monetary relief
Consumer complaint received 2023-11-23
Company: Byrider Franchising, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit was used on XX/XX/XXXX and I did not authorize anyone to pull my credit and to leave a hard inquiry the company name that shows on my report is XXXX its only showing on my XXXX report. I would like for this inquiry to be removed I also filed a report with identity theft gov

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX  SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-01-27
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by my banker ( for 20 years ) that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit report for myself, I noticed unknown, suspicious accounts. Please remove these fraudulent accounts. XXXX XXXX {$190000.00} XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX  XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} Please remove these fraudulent inquiries. 
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 2018-03-04
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/18, XXXX XXXX XXXX reported alleged debt for alleged medical services, which adversely affected my credit. XXXX XXXX XXXX failed to ever provide notice of any debt, identify any debt, attempt to contact me to discuss alleged debt, and may have acted fraudulently in reporting the alleged collections efforts. XXXX XXXX XXXX is unresponsive to my efforts to correct their error. As the result of XXXX XXXX XXXX ' intentional misrepresentation and/or egregious negligence, my credit score has been negatively affected. I would like the error corrected immediately.

Company response to consumer: Closed with explanation