BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-17
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
ACCOUNT # XXXX XXXX XXXX XXXX ( {$890.00} ) IBERIABANK  XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX IBERIABANK CORPORATE SPECIAL ASSETS DEPT XXXX XXXX XXXX XXXX LA XXXX IBERIABANK PHONE # s : XXXX XXXX LOCATION XXXX SPECIAL ASSETS DEPT XXXX SPECIAL ASSETS DEPT XXXX CUSTOMER SERVICE ANOTHER IBERIABANK ADDRESS : XXXX XXXX XXXX, XXXX XXXX AR XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX BRANCH MANAGER , CELL XXXX, XXXX XXXX XXXX ASSISTANT MANAGER, XXXX XXXX XXXX XXXX RELATIONSHIP BANKER, XXXX XXXX COUNTY SHERIFFS OFFICE CASE # XXXX . WEB SITE : XXXX : XXXX REPORT TAKEN BY CSA XXXX XXXX XXXX. 

On XX/XX/XXXX two stolen checks ( # XXXX {$840.00}, # XXXX {$1200.00} ) were deposited at an ATM in XXXX XXXX into my account. The bank has them post dated, # XXXX XX/XX/XXXX and # XXXX XX/XX/XXXX. # XXXX is neither signed, nor endorsed. # XXXX has the same signature on the front and back. The checks were charged back on XX/XX/XXXX and XX/XX/XXXX. During that time, ATM withdrawals were made at 3 locations. 2 of which, are IBERIABANK ATMs ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ). They have the thief ( not me ) on video withdrawing cash. They refuse to acknowledge DEBIT PIN FRAUD and are saying it is my responsibility to keep my PIN safe. They have failed to protect me as their customer, have evidence that I did not take their money, and are not leaving me out to dry. They need to update their ATMs instead of being so greedy and acknowledge DEBIT PIN FRAUD exists for starters. They are wasting tax payer dollars by sending us to file police reports when the evidence is clear and they are responsible due to their lack of technology. 

DATE LOCATION AMOUNT XX/XX/XXXX XXXX XXXX, XXXX XXXX FL {$40.00} XX/XX/XXXX XXXX XXXX, XXXX XXXX FL {$840.00} XX/XX/XXXX XXXX XXXX, XXXX XXXX FL {$1200.00} XX/XX/XXXX XXXX XXXX, XXXX XXXX FL $ XXXX XXXX ) XX/XX/XXXX XXXX XXXX, XXXX XXXX FL $ XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX FL $ ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX, XXXX FL $ XXXX XXXX ) XX/XX/XXXX CHARGEBACK $ ( XXXX ) XX/XX/XXXX CHARGEBACK FEE $ ( XXXX ) XX/XX/XXXX CHARGEBACK $ ( XXXX ) XX/XX/XXXX CHARGEBACK FEE $ ( XXXX ) XX/XX/XXXX BALANCE FEE $ ( XXXX ) XX/XX/XXXX SERVICE CHARGE $ ( XXXX ) XX/XX/XXXX BALANCE FEE $ ( XXXX ) XX/XX/XXXX SERVICE CHARGE $ ( XXXX ) TOTAL $ ( 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 2018-02-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Wells fargo home mortgage has yet to provide documents from 2009 as I requested from closing as I have. 
Wells fargo has not provided documentation only on 2009 closing as I have and was giving 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 2019-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America offered a promotion where if you opened a checking account ( new customer, not existing, which I was not at that time, nor was I previously within many years ) with at least a {$25.00} opening deposit and XXXX direct deposits within the first 60 days of at least {$250.00} each, they would credit the account with the {$100.00} bonus within 60 days of meeting that requirement. The bonus should have been deposited within 60 days of meeting the requirements ( opened account with {$25.00} deposit, {$250.00} direct deposits each deposited XX/XX/XXXX and XXXX on each date ) so the account opening bonus should have been deposited by XXXX. As of today, XX/XX/XXXX, it hasn't been. I contacted bank of America on XXXX spent an hour on the phone with them, they said they would investigate and get back to me with in a week. I did not hear back from them either by a voicemail message left, email on my account or email directly to me. I called again on the XXXX and after waiting for XXXX minutes on hold with no contact with a human being, had to end that call due to work. Today XX/XX/XXXX, I called and spoke with a representative who at first could not locate the offer but after searching for about XXXX minutes finally found it. She said notes on my account indicated this had been escalated. I asked to speak to her supervisor, which I was transferred to and spoke with a floor supervisor. I explained the situation and she said escalation could take XXXX  days to resolve. This is unacceptable because it is clear I met all the requirements. I have saved the link I applied for the account opening bonus. It still shows that I met all the requirements. I find it unacceptable when I have clearly met all the requirements that it will take them 60 days to " investigate ''. I believe it is false advertising and they are hoping people won't fight to try to get the account opening bonus if they delay long enough. I even asked the floor supervisor if she would be able to remove the {$4.00} monthly charges I've incurred from them as a good will gesture due to all the hours I've spent trying to resolve this which I have not been able to. She was not willing to do that. All she could say was " I can look into it ''. That is unacceptable. 

I feel I've been more than patient and that if I had not continuously followed up on this, I would not have gotten the {$100.00} advertised account opening bonus ( and still have not as of today ). This is unacceptable for Bank of America to treat me like this and borders on false advertising and misleading and deceptive practices. 

Please let me know how this will be resolved because Bank of America does not seem to consider this a high priority or be willing to resolve it at all.

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 2019-03-17
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Although this seems to be a continuing issue, currently at issue is web site disparity on two store cards I am on with my wife : Synchrony Bank serviced store cards for XXXX XXXX XXXX and Synchrony Bank multiple vendor Home account. 

On two accounts past due date by a few days, scheduled payments for XX/XX/2019. On XX/XX/2019 received a robo call, when answering phone only recorded message to return call WITH NO Information CALLING BACK, they ASKED me to tell them why I was calling After what would have been batch updates to their system on XX/XX/2019,  received the same call on Sunday XX/XX/XXXX. 

I have screen print showing payments processed, but account status STILL PAST DUE. Offshore associates do not see what I have in screen captures and I continue to be harnessed by Synchrony Bank I plan to share this same information with XXXX XXXX XXXX and XXXX as this is jeopardizing representational risk for these merchants who use Synchrony serviced cards

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 2021-02-27
Company: Experian Information Solutions 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:
Please help me delete 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 2020-10-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX XXXX provided by XXXX XXXX. But, not reflected on my account by the three bureaus. 

XXXX XXXX XXXX account manipulated and inaccurate with out proper verification based upon FTC guide line. Proof attached. 

Treasury account also updated and not reflected on my credit bureaus credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed on my credit report that there's a new claim by XXXX XXXX XXXX XXXX for {$930.00} from a claim by XXXX. The address associated with this debt claim is XXXX XXXX  XXXX XXXX Texas. We have NEVER lived in Texas nor do we ever have XXXX. We live in XXXX CA and have XXXX. I do not know anything about this claim and therefore can not submit any " proof '' as requested by the company. I submitted a online dispute to Sequium Asset by so far have not heard from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Pioneer Credit Company, Inc
State: SC
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:
Account # XXXX i called Pioneer Credit on XX/XX/2019 to find out about this accounts. They told me no accounts # still in their system. They would brought out by 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 2017-12-06
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I placed orders on XXXX XXXX order # XXXX. My XXXX XXXX card was charged I have not received any order. When I called Customer Service I was told the order was canceled but I XXXX charged {$110.00}

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 2018-03-26
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I sent Navient a Affidavit of XXXX to validate the account and to disclose information in regards to the loan. They were asked to present to me the original wet inked contract ( promissory note ) and to answer is any legal consideration was handed to me upon signing of said contract. Also I asked to recieve the names of any other assigns that were located on the allonges attached to the contract. Along with the journal entries in regards to the contract as well as any accounts created using the Indorsement. Navient dishonored me by not providing these lawfully requested documents. They defaulted but continue to harrass me. 
I have sent a letter to cease harrassment and to not send negatve information to my credit bureaus stating Public Laws 95-109 and 99 -361 known collectively as the Fair Debt Collections Practice Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: EQUIFAX, INC.
State: IL
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:
I HAD FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES FOR INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. NEVER RECEIVE ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I ALSO FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDITR BUREAUS AND STILL HAVE NOT RECEIVE ANY MESSAGES. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: EQUIFAX, INC.
State: TN
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 have 3 mortgage hard inquiries on all three credit bureaus I didnt not authorized or have any knowledge of. As they should see, I have no open mortgage accounts. Also, I have 1 extra hard inquiries on equifax from a car dealership that I have no knowledge of. I have called the credit bureaus to dispute the hard inquiries but no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit limit {$2200.00} past due amount {$2500.00} XXXX CARD has committed Securities Fraud against me and has take Securities against on me without my consent. XXXX XXXX has stolen my Identity and taken Securities against my name.

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 2019-02-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a new vehicle XX/XX/2018. In order to receive a rebate for electric vehicle I had to buy the car the day I went to the dealer. I was rushed to close the deal and pick up my kids and didnt realize I had signed for extended services for {$3300.00}. When I discovered what had happened I called the dealer to cancel. I went to the dealer and signed the cancellation on XX/XX/2018. When I hadnt heard anything after a couple of months I started calling the dealer and my calls were not returned. After several days and not identifying myself I was able to reach a manager. They were going to look into it. Since then I have been getting the run around by their sales manager and today he passed me off to their accounting department. They have not returned my call. In the meantime I have paid the car off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Iconic Mortgage Corp.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was first contacted by XXXX XXXX, a loan officer with Iconic Mortgage IncXXXX on XX/XX/2021. He expressed the current interest rates my eligibility to refinance through the VA XXXX program. I told him that I would get back to him on a decision. About a week went by and during that time he kept messaging and contacting me about the rates they had available. Eventually we spoke on the phone XX/XX/2021 when I let him know that I was interested in applying for the refinance. I provided him the social security number of myself and my wife. Which there was a credit check done on my report. He then went on to explain that there would be notary sent to my house to complete the application process along with the title paperwork the next day XXXX XX/XX/2021 ). The next day I received a call from a number stating they are the notary to meet with me at XXXX XXXX. However later that day I received a call from a woman whom said she was with the title company. She expressed that they didnt have all of the paperwork ready for the notary and want to reschedule for the next day, I agreed. However, since that day XX/XX/2021 I have not heard from anyone. I have sent text messages, phone calls and voicemails without a response. This is odd that there was not any problem contacting me previously.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Today XX/XX/XXXX XXXX XXXX  notified me that care credit had closed my account. I called spoke to a woman who said sorry I don't know the problem you will get a letter in up to 20 days, I said no I want to know why now. She said it was closed due to none payment. I said how is that when I am never late and sometimes pay twice a month. She said she was not sure it's just what it is. I said I want to speak to a manager. Manager said the account is closed do to late payments on other cards ( not true, I have 100 % good payment history ) and one returned payment. I told her this was the first time, something came out of my bank unexpectedly and also that it was not a regular payment for this month it was a second. I said also I can not pay my card because I can't get on the website or app to pay, she said it was to bad because interest fees will accumulate and credit will get ruined further for non payment. 
She said the account is closed nothing she can do. I told her I will report this. They ruined my hard work on bringing up my credit. This should not be allowed.

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 2021-04-05
Company: Segan, Mason & Mason, P.C.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We have been attempting to pay our monthly condominium fees XXXX to XXXX XXXX XXXX XXXX. The payments for 5 months keep being returned. We emailed the management company, and delivered a letter to the Board of Directors by certified mail, and have been ignored by them ( a direct violation of the Ethics Code for being a Board member and fiduciary duty ). 

We finally sent emails to the officers of the management company, and received a reply from the president, XXXX XXXX. He informed us that our payments were being returned because we had been placed " in Collections '', and our payments had to be made to the association 's Attorney. The association Attorney, under VA 's Civil Code, is required to inform us, in writing, by certified mail, that we have been placed in Collections. We have not had any response or communication with the management company office since XX/XX/2020 despite emailed requests for information ; and we have received no information from either the Board or the Attorney, by email or letter, let alone a certified letter. 

We have continued to make our payments by XXXX -- several times a month -- but they continue to be returned. Our condo unit will need to be sold as part of an agreement for the VA loan program for our current domicile. We think the Board and the Attorney are attempting to falsely foreclose on the condo unit, or to hold it hostage for fraudulent collection charges. 

This is not the first time the Board or the Attorney have acted in an underhanded manner with unit owners. We can not do anything and can not verify anything. We can provide receipts of our payments showing we are current in payments -- if they would be applied when received and not returned to us. If we were put in collections some documents need to exist -- including a proof of certified mail received by us. We can not obtain proof of anything : not when this collection started, nor for what amount, nor proof of certified mail sent to us. We do not know what we should pay and to what address. 

We asked disclosure of our financial situation for our account repeatedly, by certified mail and emails and we have not received it. We have the receipt of our certified mail sent to the Board, and emails to prove our efforts. We are kept in the dark and, despite our payments, our account is unpaid now for as much as 5 months. And, apparently, we are in " Collections ''.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Consumer Portfolio Services, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
This company Consumer Portfolio Services has been ripping people of and preying on people with bad or no credit. They manage a subprime lending group to finance individuals in need of autos so they can deal with dealerships that sell used cars and then they get funds from the sale of the cars along with the dealer. I have a loan with them and was told that it is a simple interest loan with more interest going toward the payment than on to the principal. Most individuals are upside down on the loan because of the interest being so high and it is ridiculous. They also charge an extra 12 dollars just to use a debit card or electronic check unless you use their service XXXX that is located in stores such as XXXX, or XXXX XXXX and it has to be cash to use these services. I am also inquiring about how the manage to put my account in arrears a few months ago when they told me that since the car stayed broken down that they would put 2 of my payments toward the end of the contract. They are ripping poor people off.

Company response to consumer: Closed with explanation