BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/XXXX, the mortgage department of HSBC Bank ( HSBC Bank USA, N.A. ) has not responded to my request of 2 refund payments as below : 1 ) A {$990.00} refund check which I have never cashed out and is already overdue. I request them to send me a new check. 
2 ) A wrong escrow charge of {$470.00} ( {$1200.00} vs {$800.00} ) for my mortgage loan on XX/XX/XXXX, because the insurance company did not send the insurance information in time. This escrow charge should not happen because this account is not an escrow account. I request them to send me a refund check. 

I have talked with HSBC Mortgage customer service people several times since XX/XX/XXXX. Every time I had phone calls with them, they told me it requires 60 business days to process. Here are the histories of my phone conversations with the customer service people : ( a ) XX/XX/XXXX : A customer service person told me it requires 60 business days to process. 
( b ) XX/XX/XXXX : The same customer service person as in ( a ) told me to call back in 2 business days for status. 
( c ) XX/XX/XXXX : Another customer service person told me it requires 30 to 60 business days to process. 
( d ) XX/XX/XXXX : Another customer service person told me it requires 30 to 60 business days to process. 
Then, on XX/XX/XXXX, I sent an email to HSBC Mortgage customer service about the request with the histories, but still have not received any response from them as of today ( XX/XX/XXXX ). 

It looks like that HSBC Mortgage is pushing back my payment request indefinitely, with an excuse of 60 business days to process, whenever I talked to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: SYNCHRONY FINANCIAL
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX a summons was improperly delivered to my property address and given to a tenant who is not a family member or relative whom I do not live with and when delivery after knocking on door and handing a summons not in an envelope and not to myself. 

This debt is also being challenged by XXXX XXXX who has been asking for debt validation unsuccessfully from the creditor and there is a Lack of Standing in that the debtor creditor relationship not being one and the same. When debt collectors are contacted by me the many entities involved do not have any proper information about the debt, or proper dates or amounts from the original debt that was a credit card that was closed in or around XXXX and therefore the statute of limitations may have also expired and the amounts of the debt tripled according to the summons and debt collectors who are demanding a response and attempting a default judgement. 

I have been under duress and I am a 100 percent service connected XXXX veteran and I am being tracked by phone from an outside source such as XXXX tracking device and followed and spied on. All for a credit card debt. 

I am just coming out of a place of hardship and we have been assessed at my condo for several thousand dollars and I am also recovering from XXXX XXXX  scare. 

Sending someone to my condo unannounced and delivering these documents improperly at my condo ( btw I can not always stay there due to the amount of work that is major at the building ) and large assessments has caused me anxiety and I need it to stop. 

Also the original debt belonged to TJMax synchrony bank and the debt collectors are Attorney XXXX XXXX and XXXX XXXX and XXXX ( or whoever as I can not get straight answers from them and I have had to spend more money now to initiate a letter to the courts to stave them off. 

Also the XXXX XXXX company I have been dealing with for two years has completly dropped the ball when I notified them this was happening and said they can not help. I have spent two years paying them {$120.00} for over two years in order to resolve these debts and only to find they can not do what they claim. I would like a full refund. This is such a scam.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to request the removal of inaccurate late payment information on my XXXX, Experian and XXXX credit report. Up until this recent account issue, l 've had no missed payments with with the XXXX XXXX XXXXXXXX XXXX XXXX XXXX since my credit card was first originated or ever in my credit history lifetime. 

I recently pulled my credit report with XXXX, XXXX, and Experian and discovered I now have a XX/XX/2023 missed payment reporting on my XXXX XXXXXXXX XXXX XXXX XXXX account ( XXXX XXXX is the underwriter ). 

My XX/XX/2023 XXXX credit card statement states a payment was due by XXXX XXXX, as shown in the attached page of my statement. On XXXX XXXX, a payment for the minimum balance, {$440.00} was made, as shown in the attached photo. 

Thus making my missed XX/XX/2023 XXXX credit card payment inaccurate.

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 2023-10-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Re : Fifth Third Mortgage intentional delay of short sale of property Fifth Third Mortgage is intentionally delaying the short sale of my house in bad faith! We have submitted everything requested, more than once, and have been awaiting a decision since the submission of the Mortgage Assistance Application on XX/XX/2023 and the purchasing Contract on XX/XX/2023. We have repeatedly been advised that the file is with underwriting and that a final response would be received within a couple of weeks. A couple of weeks have now turned into 7 months!! We have repeatedly requested escalation of the decision and still no response. We call every week for months only to be told to leave a message and that a response would be received within a week or two. We last reached out to Fifth Third again on XX/XX/2023 and were advised that a supervisor would contact us same day or the next. It is now the end of the week and there has still been no communication from Fifth Third. It is apparent that Fifth Third is intentionally delaying the short sale! Both myself ( the seller ) and the potential buyer are frustrated and are both expending additional funds to maintain the property while awaiting the sale as well as temporary living arrangements while awaiting the sale. We have extended the contract several times awaiting Fifth Third and an additional extension may not be granted thus forfeiting the deal all together and having wasted months of money and time. Not to mention forcing the property into foreclosure which may be the actual intent of Fifth Third! Will you please assist and assess whatever consequences Firth Third may be due for this unprecedented delay!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Starting XXXX, I began the application process for forbearance or assistance with Ameris Bank. Over the course of 6 months, my application process was stalled due to lack of communication and follow through with the mortgage company. In XX/XX/2023, I was finally notified that my supporting documents werent submitted in time, even though they were promptly submitted to the online portal, because the portal doesnt really work well and we cant see your documents on our end so they werent accepted. I was then directed to email my personal information to an obscure email address to submit properly. XX/XX/2023 my application was finally completed ( 6 months after the start ). Since the application was finally submitted, I have not gotten any response or update from the mortgage company. 

I believe that Ameris is intentionally making the assistance process difficult, knowing that if I were to have my home foreclosed on would benefit them financially. It is highly unethical that this company benefits from countless tax breaks and government subsidies, but does the exact bare minimum when it comes to following through on their obligations to the people that are the source of their vast wealth. 

Attached are screenshots showing the regular update and submission of materials on my end, and the stagnant response on theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account online on Huntington Banks website on XX/XX/XXXX and was approved immediately! I deposited two checks into my new account both totaling {$1900.00} all of which Huntington bank put a hold on for almost XXXX days. I received emails within that time frame stating that my money was available for withdrawl on the XXXX yet when I went to go login to my new account I wasn't able to do so. So I contacted customer service and spoke to a man who was so rude and incompetent and actually hung up on me. This wasn't the last time I was hung up on by these customer service reps, there were about XXXX more times as well! Talk about the most unprofessional behavior coming from a banks customer service. I have continued to call into customer service demanding to speak with a supervisor each time I called and I'm not kidding it was like pulling teeth trying to get these people to transfer me to someone higher then them. Eventually I was told that Huntington was closing my account due to me being a " risk ''? lol I hadn't even had a chance to use my account let alone even access my money and this company wants to say I'm a " risk ''?!? I didn't even care I just wanted my money and the closest bank to me is almost XXXX  hours away. I begged these people to let me come withdraw my money as my bills were due and it was all the money I had, they didn't have an issue approving me when I opened the account and didn't have an issue taking my mobile deposits yet I was still told absolutely not, that the bank had until XX/XX/XXXX to close my account and mail me a paper check for the funds I had in there at the time of closing. So literally almost a month has gone by at this point and where is my money? Well when I call customer service, I'm able to put in my PIN code and able to hear the recent transactions. XXXX deposits were made on XX/XX/XXXX totaling {$1900.00} then on XX/XX/XXXX a withdrawl of the {$1900.00} was done, I have no clue where or who made this withdrawal because it surely wasn't me and where did my XXXX money go? There was also an account closing transaction in the amount of {$0.00} done on XX/XX/XXXX as well. I asked to speak with yet another supervisor and this time was told that my money was moved to Huntington banks own account so they could write me a check but that they hadn't wrote me a check yet and they had until the XXXX to do so and then another XXXX days after that for me to finally receive it in the mail. I just want my money like this is ridiculous it's been weeks and I have yet to receive anything and ITS MY XXXX MONEY!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value your help to CORRECT a portion of the data in my credit file, yet I have some accounts passed on that should be investigated. Per FCRA you are expected to correct and update these accounts.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
late payment IN XX/XX/2022 that XXXX  XXXX XXXX  account # XXXX This is my second time reaching out about this incorrect late payment that is clearly unfair!!!!! This late payment dropped my credit score XXXX points, now my home loan is on a hold due to this false inaccurate reporting. I have always made onetime payments. I have never been late! This is completely unfair. I never imagined this can happen to anyone. This is not just inexcusable but totally unjustifiable. I demand it be updated to PAYED AS AGREED AND NEVER LATE! 

TRANSUNION INTERMEDIATE HOLDINGS , INC . 
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 non-monetary relief
Consumer complaint received 2022-11-14
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.I have never had an account with this company REGIONS BANK , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are REGIONS BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

.

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX is reporting inaccurate information on my credit reports. On XXXX, they are reporting that I owe {$150.00}, with a high balance of {$210.00}. On Transunion they are reporting a high balance of {$570.00} with a balance due of {$150.00}. On XXXX they report a high balance of {$0.00} and past due of {$150.00}. All the dates of activity and payment dates are also different on each credit report. I've disputed the account as inaccurate several times and have gotten nowhere. XXXX XXXX has been automatically withdrawing money from my bank account, so none of the information being reported is accurate. I'd like the information accurately reported or removed 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
Consumer complaint received 2023-01-26
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying XXXX using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-10-12
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Per the federal guidelines, anyone whose XXXX plan is up for income recertification in the first 6 months will not need to recertify for an additional year. Nelnet representatives have told me that the servicer is refusing to honor these guidelines and is forcing me to recertify my income by XX/XX/XXXX. My date with XXXX is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Over 15 years ago I took out a HELOC with XXXX XXXX Since then I XXXX  XXXX XXXX. The bank was paid {$80000.00} through the Trustee on a balance of {$100000.00}. The XXXX  XXXX was dismissed 5 years ago, but the bank still reports me as delinquent. I inquired about my balance not reflecting payments, and the fact that my account was now showing $ XXXX balance despite payments. I paid my attorney to look into this as well. I believe their balance and accrued interest etc is incorrect since they started from the wrong balance. I also believe they have written this account off some time ago. I do not get collections calls, nor do they send me bills. The house we had the loan on was foreclosed on, and sold with a clear title yet they still report an equity loan. Despite many calls, the only information I get is what they claim the balance was and that I should contact my lawyer. Having done all this and attempting to rectify the situation I am now trying to purchase the home I live in and have rented for the past 5 years. This HELOC listing is affecting my ability to make this happen. 

This loan was converted by the bank to a standard equity loan not a line of credit before we 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 2023-01-26
Company: Block, Inc.
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:
There was a charge on my cash app debit card on XXXX for the amount of {$140.00}. 

According to the merchant this charge was refunded on their end and there is nothing more for them to do. They said to have cash app disputes dept contact them directly. 

Cash app support just simply told me they are denying my request and after doing this via chat and email after the third denial I called them directly. Their phone support once again just said they are denying my claim and then hung up on me. 

At this point I can't get any help from either party involved and cash app support is refusing to work with the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Carvana Group, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I am purchase a car from Caravan. 

Per 15 USC 1604 15 USC 1638 ( 2 ) ( A ) 15 USC 1662 The Downpayment is suppose to be included in the financed charge. The delivery fee is the same. 

They are violating these statues deem by the US Congress and your department. 

I have attached the said contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted these persons and requested an original consent form to share my information which was not provided and is a direct violation per 15 u.s.c 6801. 

Company names : Midland credit management XXXX credit bank Derogatory mark XXXX XXXX

Company response to consumer: Closed with explanation