BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have a XXXX mortgage on my home at XXXX XXXX, XXXX, MI XXXX. I filed for bankruptcy and was granted relief in XXXX of XXXX. The loan was sold by XXXX to XXXX XXXX in XXXX I believe because articles state all mortgages where sold to them. I havent been able to contact either company and I have no information on resolve the outstanding balance. The XXXX mortgage ( home equity loan ) account number is XXXX. 

I am in the process of settling all the mortgages on the home so I can save it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Westview Financial Services VA, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
UDAAP issue - XXXX at Westview Financial in XXXX, VA communicated that if I make a payment on XX/XX/2019 that was due on XX/XX/2019 that it would report to the credit bureau late and have a negative impact on my credit. XXXX expressed that because the payment is due in XXXX and I am making a payment in XXXX, this would hurt my credit. I expressed that the earliest I could make a payment would be XX/XX/2019 due to personal issues and the payment would not be 30 days late. She continued to state that if I did not make a payment then I would have a negative mark on my credit. She then continued on to say if I deferred a payment then that would help my credit. I did not believe that to be true. I believe that deferring payments will make my loan term longer and would add additional interest. She became highly annoyed when I referenced the FDCPA and continued to tell me that I would need to defer a payment in order to avoid a negative impact on my credit. I believe this to be misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Wells Fargo uses XXXX ( XXXX Account Updater ) and will not allow me to opt out. They shared my new information with XXXX and XXXX gave my new card number without my authorization to the merchant.

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 2019-04-23
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was an XXXX that was not mine, I disputed it and had the debt validated. Collection company removed debt from credit report and not collection company has reaadded account to my credit report causing damage to credit history.

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 2018-03-21
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Barclays closed my Arrival credit card account on XX/XX/2018. I maintain a credit score in excess of 760 and have paid all of my bills for over 20 years. Barclays claim they closed the account because of " Your history of account usage. '' What does this mean? I used the card to buy things and then I paid off the balance. 

At the time my account was closed, I had XXXX miles worth {$440.00}. Those miles were taken from the account. They easily cover the very small balance on the card.

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 2018-03-21
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
First Bank is trying to charge me a {$20.00} overdraft fee. At no time was my account ever overdrawn. They are trying to say in their system it is showing as overdrawn. I have on an online account and I can prove that my account was never overdrawn. They are trying to make up stuff in their imaginary account. If they are keeping 2 sets of books, that has nothing to do with me. I will only be charged fees for what is fully disclosed and reported to me. Again, at no time was I ever overdrawn and I want my {$20.00} back. Please publish this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2018 i contacted XXXX in reference to two accounts being reported as bad debt..i first asked them to furnish me with the original application showing my signature..Rep said she didn't have to SHOW that i told her according to fdcpa A debt has to be proven she said their is no such thing ... 2nd i asked when did i come to agreement with XXXX to have access to my medical records..i advised her i need proof of such occurrence..she placed me on hold..a supervisor got on the line stating if debt was not paid they could garnish my wages even sue me i asked for this in writing they disconnected the call.. I called back another representative came on the line and immediately said we refuse to talk to you and disconnected

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 2018-03-21
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XX/XX/XXXX, I had a problem with meeting my payment due date. I called in to have the payment extended to avoid a late charge, as well as late payment on my account and credit agencies. In XX/XX/XXXX, The representative with whom I spoke told me all was set. I asked him, am I not suppose to get a letter to sign and he said no, all is set, my next payment will be in XX/XX/XXXX. In XX/XX/XXXX, I started receiving calls as well as letters that I am pass due. I spoke with the agent and explained that this should not be. 

She read the account history and apparently saw what the first person wrote, then she said will fix the problem and that the calls will stop. She then send me a letter which I fax back to XXXX with my signature attached. 

On Wednesday XX/XX/XXXX, I went on lone to make my XX/XX/XXXX payment and saw that they charged me {$25.00} for late payment fee, as well recorded late payment to my account history and on my credit report. 

I called to have these corrected and was told the manager denied to waive the late payment because I already have one waived. I told them, this is the company error and not mine and it should be off my credit history cleared from this error. 

I then asked to speak with a manager and was told I have to call back and because they are not available. I now have a {$500.00} balance on my account that is 32 days pass due and a fee of {$25.00}, plus late payment report to my credit history. 

I need these to be corrected - the late be removed, my credit history to clear from this late payment note, and the balance remove to have my account in good standing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-07
Company: JPMORGAN CHASE & CO.
State: DE
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:
My name is XXXX XXXX, I have been writing and sending certified letters to XXXX XXXX XXXX XXXX XXXX in regards to a credit card ; the company is claiming there is an account that they claim to be charged off in the amount XXXX XXXX.This account in negatively reporting on my credit reports. I previously disputed this account on two separate occasions. Not only that this company has yet to mark my credit report as disputed and I set out the first dispute letter XX/XX/XXXX. This is not my account, the debt collector 's has not been able to validate the account. The company responded to my first letter by sending out statements but nothing bearing my signature. They have yet to respond to me second letter sent certified mail XX/XX/XXXX. This account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I signed any legal document with my signature binding me to a contract with this company.The account in question # XXXX the whole account number is n't reported as well. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a checking/savings account with Citibank, among other Citi services. I originally had a product called Ultimate Savings Account with the accompanying checking account and had these accounts for nine years. With these accounts I received free ATM reimbursements, free wire, ACH transfers. It was a fee free checking account. Appx a year ago I was bumped, without my consent, into Citigold, Citi 's premium tier for high deposit amounts. I did n't want this service as it required me to maintain a high balance with Citi at essentially no/nominal interest. When I called Citi to tell them I wanted the account products I had for years back, they moved me to the Citibank Account Package product which still requires a {$10000.00} min balance. I recently found out this is totally different than my original services. I have been charged several ATM fees. I was recently charged {$15.00} to wire a {$25000.00} *intoXXXX my Citibank checking account. This is completely abusive and I never agreed to these terms. In total I have been charged {$55.00} in fees which should have never applied with {$4.00} ATM fees and a {$15.00} wire transfer fee in the last week. I have contacted Citibank, but, of course, their customer service has not done anything to rectify this situation. 

This seems to be a systemic issue in which XXXXiti moves their high balance customers into Citigold, without their consent ( I never signed or approved anything ) which allows Citi to essentially trap customers into allowing Citi to hold substantial amounts of funds at no/nominal interest. If you tell Citi you do not want this service, they put you into a check product that has a fee for every action ( and amazingly still requires a {$10000.00} balance ).

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 2018-09-16
Company: CARMEL FINANCIAL CORPORATION, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a {$5000.00} line of credit from a company called XXXX XXXX. I had to pay to join this club and have been member since XX/XX/2015. In recent past the company changed owners. This account somehow was dropped from my XXXX   report causing my credit score to drop over 28 points. I contacted the company who said they would send through an update so credit bureau had accurate info. The correct information is on my XXXX and XXXX reports put has not been reinstated on my XXXX report which has negatively impacted my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: I.Q. DATA INTERNATIONAL, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018, I moved out of XXXX XXXX XXXX XXXX XXXX in XXXX, KY due to my pending military XXXX. Before moving I talked with the Apartment Manager regarding my carpet and general cleaning cost and the total was {$300.00}. She stated that the payment had to be made by money order. I got the money order and paid the amount- no issues. A few weeks after I arrived in XXXX, I start receiving calls from unfamiliar number. I didn't answer the call at first but I later did and it was from IQ Data International. The person on the found stated I owed {$290.00} from unpaid debt from XXXX XXXX XXXX XXXX XXXX. I explained to the customer service rep, I paid the amount before I Ieft and that I was currently XXXX overseas. He stated that I needed to pay the amount or show proof I paid the debt. I was confused why I got the phone call so I called the apartment manager and she stated it was a problem with their system and they was going to work with IQ Data and get it fix. A few weeks goes by and I am still getting phone calls from IQ Data. On XX/XX/XXXX, I finally get a response back from the apartment complex and they stated it's nothing they can do to fixed the problem and I should contact IQ Data and try to resolve the matter myself. On XX/XX/XXXX, I sent IQ Data the email from the Apartment Manager that my debt was clear but I got no response. So on XX/XX/XXXX, I got several alerts from my credit bureaus stating I have a collections inquiry on my report from IQ Data. After seeing that negative inquiry on my credit report I eventually paid the {$290.00}. I spoke with a customer service rep from IQ Data and he said it will take 30-45 days to have the collections report removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I had an automatic payment scheduled for my mortgage for {$1400.00}. Also on the XXXX, I accidentally paid a second mortgage payment for approx {$1400.00}. I called Wells Fargo to inform them of the problem. They put in a work order to stop the second payment of {$1400.00}. Two days later I went to my bank to close the account and move to a new bank. This was completely unrelated to the mortgage issue. Before I was allowed to close my XXXX account they informed me that all Pending transactions had to post. When they looked it up I didnt have any as Wells Fargo had cleared XXXX days prior. Now Wells Fargo has reversed not only the XXXX payment but also the first XXXX as well. They told me to call XXXX and when i did XXXX informs me that the {$1400.00} cleared my account and was posted to Wells Fargo. I FINALLY got a person at Wells Fargo to admit they had the money but were attempting threXXXX times to send it back to XXXX. I told them to stop because I didnt want it sent back to XXXX but to no avail. Now Wells Fargo is holding my {$1400.00} while at the same time claiming I havent made a payment for XX/XX/2019?!?!?!? HELP!!!

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 2018-05-01
Company: EQUIFAX, INC.
State: MS
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:
Tried to get inquiries removed from my accounts with XXXX, XXXX, and Equifax told them that they were not authorized but the companies refuse to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Experian Information Solutions Inc.
State: NJ
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:
As previously notified before, I am a victim of identity theft, and again I have attached a copy of all required documents for your review

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 2019-04-23
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 my accounts were frozen and the debit card was closed for my business accounts ( this was how I learned of the hold, no other contact attempts were made ). 

Immediately following I was told over the phone to go into a branch so they could call and release the hold on both this and my personal account. 

I did so, and was told the hold could not be released. The representative asked me for an invoice for the most recent transactions to the account. This was provided immediately. I was the given a timeline by the branch representative of 1-2 days for release. 

On Friday, the XXXX, I was asked to send in copies of my ID. Again, I did so immediately. This time the branch rep told me to keep calling in to check if the account was unfrozen, which I did to no avail. 

Throughout this time I continually asked the investigator assigned to the account to provide reason for the freeze and a timeline of expected release. This was not provided and I was refused a direct answer continually. 

The following week, I visited a branch every day as the investigator XXXX XXXX was refusing to answer my attorneys phone calls. 

Many different branch reps had no idea what was going on with regards to this hold. 

During this period, my attorney and I continually asked for a timeline and reason for hold. Finally, on Thursday the XXXX, we were finally told that the reason was two wire transfers that had cleared 2 weeks previously for XXXX and XXXX. These were both partial payments on the invoice already provided ( which was between a company I owned and my own consulting company ). 

Following this, we gave Ms.XXXX all documents relating to the source of those funds from the promissory note for the loan for the payee company to the internal wire transfer confirmations for the sending of the funds to my business account at TD Bank. 

We then continued to ask for a timeline as all documents they had requested had been provided over a week back. Alternatively we offered her to liquidate the account immediately, she did not respond to this direct request, which is a violation of FDIC regulations. 

No timeline has ever been given and Ms. XXXX XXXX has refused every phone call from myself and my attorney. 

She is the cause of my employees not being paid and us not being able to attend a conference. No reasonable reason has been given for the extended hold and TD Bank refuses to do anything else in the meantime.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: HEARTLAND PAYMENT SYSTEMS INC
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My Perkins loan ( under my maiden name XXXX XXXX ) just got moved to XXXX XXXX in XX/XX/XXXX. I am and have been a XXXX XXXX   XXXX since XX/XX/XXXX and my loan is supposed to be forgiven because of this. 

I have filed paperwork 4 times and made at least 3 phone calls to Heartland since XX/XX/XXXX. They always reject my paperwork and have made it impossible to get my cancellation and deferment. 

I continue to get bills and continue to file paperwork. Everytime I call and ask why I'm getting a bill they find some problem with my paperwork the previous person I spoke with did not tell me. 

I have a XXXX XXXX and am moving right now. I do not need bills coming that I do not have to pay. I'm holding up my end of the deal but XXXX XXXX is not. I never had this problem with my last loan servicer. I just want my loan to be forgiven as promised to me when I made the decision to accept it from the government. I never wanted to work with Heartland and would like this to end now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I terminated my XXXX XXXX service XX/XX/2016 due to poor service when the service technician failed to show up during the scheduled time window. The technician rescheduled for the next day, but failed to show up again in the time window and actually tried to access my property, after dark, through a private, gated entrance! I immediately cancelled my service and paid the amount due up to that point according to the customer service representative. This person also confirmed the {$49.00} service fee would not be charged. Since then, I've spoken with XXXX XXXX twice and they confirmed there was a " note '' to remove the service charge, but it never was. The account went to collections with a balance of {$27.00}. I've been contacted by mail and email several times by the collection agency. I've reached out to XXXX XXXX through social media to resolve and they were supposed to zero out the account and remove it from collections. I checked my account online ( still active ) and it still shows a balance of {$27.00}. I downloaded the last statement which shows the balance AND {$49.00} service fee that was never removed. XXXX XXXX actually OWES me {$21.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a negative thing on my credit report that I never knew about. It was from Bank of America. Its appearing as a charge off of XXXX $ and I never received any notices of needing to pay this. It says the last time I paid this was XX/XX/2017. I didnt know about this and I wouldve paid it if I ever received a notice. Please send me a bill and remove 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 non-monetary relief