BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-17
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, I opened a XXXX XXXX checking account online. On XX/XX/XXXX, I signed up for online banking and was able to deposit {$2000.00} through the app ( mobile check ), from my other account at XXXX XXXX. By XX/XX/XXXX, I was not able to access my account online or on the app because it said that the account was locked. I called back and it was because the check was still being processed and my account was put on hold and that I should contact them by the XXXX. In the physical letter I received, it also said that I should have access to the money by the XXXX. In the meantime, I also deposited XXXX through ACH directly from the other account ; this is in order to meat the XXXX minimum balance for avoiding the monthly fee. 

I called back on the XXXX, and the representative reported that the holds department is not letting go of my account until after Friday. I called back today ( Saturday, XX/XX/XXXX ), and they now say that I will not be able to access my account until XX/XX/XXXX. I feel as if enough time has passed such that the original {$2000.00} check should have cleared through the bank. Checking my XXXX XXXX account, they sent both {$3700.00} and {$2000.00} on XX/XX/XXXX, and 8 business days has passed by since then. 

I believe a hold on the mobile check is reasonable, but even that given time frame has passed. However, I do not understand the hold on my account such that I can not log in and such that I can not access any of my money at all. Even though I have received my debit card, I have not been able to activate it in order to deposit or withdraw money ( even the amount they said was " available. '' Additionally the customer service agent hung up on me today after I told them I wanted to file a complaint with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Commercial acceptance company or XXXX XXXX XXXX XXXX XXXX has been reporting to my credit report stating I owe {$150.00} for an ambulance ride or services that I never received. I did not call out the ambulance and when they arrived i denied services. I also was on state medical insurance from PA at the time of incident. XX/XX/2017. I was an XXXX  XXXX victim on that day. This company harrassed me at all times when they had my phone number and would send out letters as well to me. I again never used or contacted them for services. if they need to charge someone then please have them charge the neighbor who origionally called for services without my consent or knowledge. i have disputed this on my credit reports with no success. Please help me allievate this from my credit report as i am the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My kohls balance was paid with XXXX XXXX XXXX  on XX/XX/XXXX however Kohls is still reporting my balance monthly as {$610.00} with XXXX and XXXX. I have faxed Kohls at XXXX on XX/XX/XXXX with the statement from XXXX XXXX XXXX showing it was settled for less than full balance on XX/XX/XXXX. I have also requested 4x with XXXX that the information be resent to Kohls to update my balance accordingly. I spoke with Kohls on XX/XX/XXXX and was advised my account was sold to XXXX for collections. This account has already been settled and should not be collected on again and should also be reflecting a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
There has been a serious and ongoing issue with DiTech. When applying for a loan modification, DiTech advised on XX/XX/XXXX that the application went to underwriting. Throughout the process we have provided documents and clarification in a timely manner as requested by underwriting. On XX/XX/XXXX we were advised that the package was deemed complete and we needed no further explanation or documents on our end. From that day on, we called almost every other day for updates on the package. We were advised on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that our package was complete, being reviewed, and was still in underwriting. On XX/XX/XXXX, we were told that this case was being escalated because we should have had an answer by now. Then, on XX/XX/XXXX we were told that DiTech was still looking into it. Finally, on XX/XX/XXXX, the home was sold to a sheriff sale. 
Why is it that no one at DiTech was able to advise us of a sale date? DiTech gave us the impression that the modification package was not only complete, but actively being reviewed with underwriting. This is someones home and DiTech obviously does not do their due diligence to ensure people are being properly taken care of. We could have taken the proper steps to prevent this had our lender, DiTech, done their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Public record information inaccurate

Complaint:
On or about XX/XX/XXXX I discovered that Trans Union was reporting an alleged Tax Lien on my credit report known as : FEDERAL TAX LIEN, XX/XX/XXXX,  XXXX, RECORDER OF DEEDS, INTERNAL REVENUE SERVICE, no further information was being reported at that time, no name, no address, no amount, no social security number, no date of birth. 

On XX/XX/XXXX I sent Trans Union a letter ( see  attached ) using Certified Mail and not only disputed this erroneous filing I requested validation of where the information came from in the first place and that it be validated with the Court who is the ONLY ones who can legally validate it. 

The response I received from Trans Union was they undated the file ( see attached response ). How can you update a file without sending an employ to the Court House and obtain accurate and verifiable evidence of such an account? 

It 's important to note here that on XX/XX/XXXX the Credit Bureaus agreed to remove any and all such incomplete records that were missing the above mentioned information ( see attached letter from the XXXX XXXX XXXX XXXX, XXXX ) that the CB 's agreed to comply with the Attorney Generals throughout the Country. 

It is also important to mention that neither XXXX or XXXX are reporting this alleged Tax Lien ( see inclosed reports ). 

I contacted the Clerk of Court and ask them what their reporting procedure is for reporting information to Trans Union and the Court responded that they do not directly supply or report any Court information to Trans Union unless Trans Union sends an employee to the Court House ( see attached letter from the Court ). 

I also contacted XXXX XXXX and about this allege Tax Lien and they responded that there is no record of this alleged Tax Lien in their records either ( see attached letter from XXXX XXXX ). 

Suffice to say that Trans Union needs to comply with both Federal and State Laws and delete this erroneous filing immediately and send me copy of that deletion for my records. 

Thank you for your kind consideration. 

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 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 had a negative account listed on my Transunion Credit Report on XXXX for the amount of {$340.00}. I disputed it because it was not my account. And, I had disputed it previously with Transunion on XXXX and they had removed it on XXXX. However, on XXXX, Transunion reported that their investigation this time had resulted in the negative account staying on my report. 
I contacted the collection agency, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Ga. XXXX, on XXXX by phone. They asked me if I had ever lived in Georgia, which I haven't. I informed them that I had never received any bills from XXXX XXXX, nor from their collection agency. They told me that the billing address associated with this adverse account was located in XXXX XXXX, Georgia. I gave her my address which is in North Carolina. She informed me that they had indeed made a mistake and it should not have been on my credit report and that they would have to investigate the other guy who had the same name as mine, for possible fraud. 

The adverse account is still listed on my credit report as of today, 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 2021-10-02
Company: EQUIFAX, INC.
State: WI
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 attempted on 3 occasions to obtain the method of verification used to verify an erroneous bankruptcy that has been listed on my credit profile. Equifax has yet to provide that proof of verification. I received a copy of credit report that stated that XXXX XXXX is the furnisher of this erroneous bankruptcy record. After receiving that, I contacted XXXX XXXX who attempted to verify this account with the courts. The courts sent notice that they do not verify such information. XXXX XXXX then deleted this erroneous bankruptcy from their records. This bankruptcy is unverifiable and should be deleted from my credit report. I have attempted to get actual proof of verification since XX/XX/2021. Letters sent to Equifax via mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It has also surpassed the 30 days since I submitted the 3rd request for proof of verification on XX/XX/XXXX. This account is unverified and needs to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: ZuntaFi Corp
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I co-signed a loan and it was changed without my knowledge. Company should have made the decision to have another loan signed before approval of student loan. I disputed the debt collection and ZuntaFi conducted an investigation, still not resolved. I am worried that it will reflect in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 been a victim of identity theft. I filed a police report and the police have charged the lady that was making fraudulent accounts in my name. This is not my XXXX 's account. It is part of my identity theft claim. Please remove from my account.

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 2019-04-26
Company: GREAT LAKES
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In an attempt to be responsible for my student loan debt, I enrolled in autopay with Great Lakes. A withdrawal was attempted from my account and I was charged an NSF. I understood that it was a consequence of the failed attempt and immediately scheduled payment so that the charges would not occur again. I contacted the company and informed them that I had made payment and was concerned about being charged again. I was told that regardless I would be charged two more times as a result of the missed payment. Great Lakes took the money I gave them for the monthly payment and continuously attempted to charge my account after I told them that I only wanted to pay the month 's payment that was due. This resulted in nearly {$90.00} in NSF fees being taken from my checking account. They have been unwilling to send me anything other than copies of their terms and conditions in response to my inquiry. The terms and conditions do not mention charging after being paid the amount due. It inconvenienced me to the point that I had to use another account to pay my bills and ask my financial institution to block them so that they couldnt charge my account. I am disappointed and upset that they were assigned to me as my loan servicer with such poor and apathetic customer service. I have attempted to resolve this issue with them throuh the XXXX XXXX  XXXX, but they sent this in response to my complaint : " Thank you for following up with us on behalf of Ms. XXXX XXXX. We understand Ms. XXXX would like to be reimbursed the fees assessed by her financial institution. Please know, Great Lakes has made every reasonable effort to address Ms. XXXX request for reimbursement. Although we acknowledge she disagrees with the determination, Great Lakes position on Ms. XXXX request will remain unchanged. Ms. XXXX is responsible for the fees assessed by her financial institution in accordance with the terms and conditions of electronic payments toward her account. If Ms. XXXX has additional questions or concerns for Great Lakes, she may contact our Borrower Services Department by telephone at ( XXXX ) XXXX-XXXX ( Please note, some calls may be monitored or recorded for quality assurance purposes ), by email at XXXX, or by mail at the address below ... ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, CapitalOne sent me a text message that is suspicious transaction about my card ending in XXXX. 
" Hi, it 's Capital One. Di you just spend {$640.00} at XXXX XXXX XXXX w/ card ending in XXXX? Text CONFORM if yes or DENY if no. Std carrier chrges apply '' I replied " DENY '' Then, I got confirmation text message from them. 
" Got it. We 're stopping all purchases on your card. Sign in to start your fraud claim now : XXXX XXXX XXXX XXXX  carrier chrges apply '' So, I thought that problem was resolved because Capital One detected the fraud and stopped it. 
On Posted transaction of capitalone oneline, it shows a transaction {$640.00} at XX/XX/XXXX and a transaction - {$640.00} at XX/XX/XXXX. 
So, I thought that is good. 
But, later, I got a mail to say that I should pay {$640.00} because CapitalOne found no indications of fraud. 
And I checked my XXXX account, there shows a XXXX  Tracking XXXX which delivered something to XXXX XXXX, NJ and signed by XXXX ( I have no idea who it is ). 
I tried to contact CapitalOne about this fraud problem. But, there is no message or email on their website. And, when making phone call, I waited long time and they just keep transfering my call to another person without resolving the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday, XX/XX/2021, a check for a {$1000.00} scholarship from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois ( XXXX of Illinois ) was deposited into my account ending in XXXX. On Saturday, XX/XX/2021, notification was received that this check needs to be verified. Upon calling Capital One, no one could provide me with a reason as to why the check needs to be verified other than stating that it looks like it has been altered. The check is printed and not handwritten and has security features on the check to avoid any fraudulent activity. I was told that the bank needs to speak with someone from the organization before they will release the funds. I have provided the name and telephone number and received no help. Today, Monday, XX/XX/2021, I have spent about 5 hours on the phone where the calls ended with Capital One disconnected the line and providing no help. This is the SECOND check this issue has occurred with. Both checks are for scholarships that my son has received for college expenses. 
Capital One representatives have provided NO details or information as to why these funds are being held. When I have inquired about more details, I have been told " we don't have to answer that. '' I have 7 accounts with this bank including 3 credit cards, 2 checking accounts, 1 savings account and now my auto loan. No one should be treated this way when trying to handle their financial business with a banking institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: AES/PHEAA
State: CT
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:
AES response to my dispute : " Initially, AES was authorized to apply a period of National Disaster Forbearance to your FFEL Stafford Loan from XX/XX/XXXX through XX/XX/XXXX. Following the forbearance period, monthly installments of {$59.00} resumed on XX/XX/XXXX, XXXX " -I 've been receiving bill statements since XX/XX/XXXX through XX/XX/XXXX ; therefore, there was no forbearance placed on this account during " XXXX '' as AES claims. I have documentations proving this ; they will be submitted. 

Government laws regarding this type of loan and how AES did not abide by it : " Today, the U.S. Department of Education ( Department ) announced an expansion of the pauseon federal student loan interest and collections to all defaulted loans in the Federal Family Education Loan ( FFEL ) Program. This action will help more than one million additional borrowers burdened by debt during the XXXX19 emergency. Today, the Department is announcing that it will expand the 0 % interest rate and pause of collections activity to XXXX XXXX borrowers who defaulted on a privately-held FFEL Program loan. This action will protect more than XXXX borrowers who were at risk of having their federal tax refunds seized to repay a defaulted loan. This relief will be made retroactive to XX/XX/XXXX, the start of the COVID-19 national emergency.

The Department will work to automatically return any tax refunds seized or wages garnished over the past year. Borrowers who made voluntary payments on any of these loans during the past year will have the option to request a refund of those amounts. The Department will also work with the guaranty agencies, who hold these defaulted FFEL Program loans, to implement the 0 % interest rate for these borrowers. 

In addition, any of these loans that went into default since XX/XX/XXXX, will be returned to good standing. The guaranty agencies that hold those loans will assign them to the Department and request that the credit bureaus remove the record of default. 

This action builds upon steps already taken by the Biden-XXXX  Administration to help federal student loan borrowers. Those steps include pausing student loan interest, repayment, and collections activity for tens of millions of borrowers with loans held by the Department through XXXX XXXX, XXXX. '' https : //www.ed.gov/news/press-releases/department-education-announces-expansion-covid-19-emergency-flexibilities-additional-federal-student-loans-default AES response : However, EFS recently authorized AES to apply a Disaster Forbearance to the loan from XX/XX/XXXX through XX/XX/XXXX. This adjustment was completed on XX/XX/XXXX. 

-WHO IS XXXX? WHAT DOES THAT STAND FOR? WHY WAS THIS JUST APPLIED ON XX/XX/XXXX WHEN IT WAS SUPPOSE TO GO INTO EFFECT ON XX/XX/XXXX???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I reported unauthorized charges to my account by XXXX. The claim # XXXX for account XXXX. These charges were made to my Capital One debit card. Capital One removed the charges on XX/XX/2021. On XX/XX/2021 Capital One stated disputes was resolved. Capital One denied my claim and reinstated the charges. Capital One stated no error. Capital One also stated I could request copies of any documentation used to make this decision. I requested documentation. Capital One sent me little or no documentation to make a decision. One Capital One agent stated charges were made in California. I have never been to California and I did not authorize anyone there to use my card. I have since received a new card. I request the charges be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: GOLDMAN SACHS BANK USA
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: Was not notified of investigation status or results

Complaint:
My card has been blocked for a verification issue. Ive contacted Apple about this matter as soon as it happened and I keep getting told that someone would contact me via phone or email and no one has contacted me. I understand that things are a process but there no help were they keep telling me there is no time frame that they will call which means my card can be locked for such time. I need my card to be unlocked as soon as possible where this is very inconvenient and unprofessional where Apple is concerned

Company response to consumer: Closed with explanation