BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/18 I opened an HSBC Advance online bank account. Shortly after, I have not been able to get access to this online account to transfer any money into it or do any other transaction. Since then I have called HSBC several times to have them resolve the issue with the online account. I have been put on very long holds up to 1 hour or more without any resolution. On one occasion, a representative took my number and told me that someone will call me back to resolve this issue. Nobody ever called since then. Subsequently, I have tried to close this account but have been unable to do so because again I am either being transferred or put on hold for a long time without any resolution. HSBC simply refuses to do anything. And I am sure, 30 days after my account opening they will begin charging their maintenance fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: EQUIFAX, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
ihave tried contact equifax due to items on my report form 4 years ago stating collections with no NAME just numbers see attached tried calling equifax on phone but was disconnecteed on  2 differen t occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I called capital one auto financial to make a payment arrangement, but I was not late yet, I told them that at that time I could not make the payments since I was out of work and they never gave me any solution at any time. I tried to send in 1 month 100 to the next 400 to try to fall into late payments, I insisted on the 3 month and I made a payment arrangement that I had to pay XXXX for 4 months to get up to date, although it was difficult because of the high value of the couta I did it has me month during the period they gave me, now I am completely up to date with a very high interest payment for a XXXX XXXX a month, and so that way I arrive with them to the payment arrangement I have been notified in the 3 credit bureaus as late payments of 30 and 60 days for 5 months, I have been affected by the credit and the worst is that they have no word because while a person is in payment arrangement is considered the good account but this company is all otherwise. They do not want to refinance the debt of the car so that my interest will be reduced. And the last month of the payment arrangement that was in XXXX, I had to pay the payment arrangement I had plus the month of the car. What do I have to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: KS
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, account number : XXXX. XXXX XXXX XXXX XXXX states under the remarks section that this debt was Purchased by Another Lender ; Transferred-To Another Office which acknowledges that they surrendered any legal right to collect the debt in question. Please see attached XXXX, and XXXX credit entries. I am demanding Equifax remove these entries immediately or provide me with your verification documents. Because your investigation findings conclusion of verified. You are legally obligated to provide me with the documents that you used to verify my legal ownership of this debt. 

This has clearly been sold to XXXX XXXX ( XXXX ) XXXX see attached XXXX Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Infiniti Financial Services took {$410.00} ( recurring payment ) out of of my account after my car had been paid off. This was on XX/XX/2021. They then said it would be returned 21 days later. It still hasn't been returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: MD
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:
I tried reaching out to US Dept of Ed after my mortgage loan advisor told me that my account is showing past due. It appears that Equifax is mistakenly reporting the account as past due when really all of my accounts are current. US Dept of ed is stating that they dont see the error on their side so i need assistance having this updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: JPMORGAN CHASE & CO.
State: CA
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:
J.P. Morgan Chase has repeatedly failed to refund a credit card credit balance in violation of 12 CFR 1026.11 ( a ) ( 2 ) despite repeated written requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX has violated my rights.

15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 602A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

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 2017-06-13
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In  XXXX     2017  i submitted a payment via PayPal to another recipient. Around that same time there was fraudulent activity on my bank account and I accidentally disputed the initial charge ( {$50.00} ) I cancelled the dispute with the bank as a representative at PayPap told me to do, and received a letter from the bank dated  XXXX   XXXX  stating that I have cancelled my dispuite. The original recipient never received the money back. I called multiple times since  XXXX  to resolve this and they ultimately gave me a provisional credit to give to the original recipient and I was told that when the {$50.00} finally came through it would go to my PayPal account. However that did not happen. I believe that original {$50.00} is still in limbo and the credit has since been deducted so my account is now negative. Every time I call PayPal i get a different answer as to how to handle it and how it works.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: SYNCHRONY FINANCIAL
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The particular SYNCB/OLD NAVY account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2017-04-15
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Recently my husband, XXXX, had to have XXXX. During this time, he had to be on XXXX for six months which was half his salary. We asked Ocwen if we could make partial payments until he recovered and or we asked for a mortgage modification. Ocwen would not work with us and instead doubled our payments. They did not accept any of the money we sent, instead they made it more difficult putting XXXX on an already horrible situation. Then they threatened foreclosure. We have XXXX dollars in equity and Ocwen refused to do anything for us in our most difficult situation. They charged us outrageous late fees and made the payment double making it impossible to catch up. Please help us get some of the fees and retribution for what they are putting us through in such a terrible time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Experian Information Solutions Inc.
State: FL
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:
EXPERIAN it 's providing incorrect information on my credit report in which does Not belong to me from this, Company   XXXX   XXXX   XXXX   XXXX   claiming two differenced Balances one of {$29.00} and other Balance of {$38.00}.
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Address :   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , FL  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion XXXX and XXXX all have different information on these accounts even though they are paid in full i advised them with certified letter 3 times all three times the answer came back verified not sure how it can be verified if the three bureaus different info and also all three say account is not in dispute when clearly they are and they say it is not in dispute when i have letters and emails showing they are

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 2022-09-12
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act XXXX  XXXX, has violated my rights. 

15 USC 1681 section 602 a state I have the right to privacy.

15 USC 1681 section 604 A section 2 it also stated consumer reporting agency can not furnishing account without my written in instructions 15 US C166B a creditor May not treat a payment on a credit card account under any open in consumer credit plan as late for any reason

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 2017-06-16
Company: PROVIDENT FUNDING ASSOCIATES
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This has been an ongoing problem with  Provident fund ing. When I bought my house  in  XX/XX/XXXX  Provident covered  my first and second mortgage. They sold my first mortgage to another company and kept my second mortgage. Not known to me the second mortgage instead of being a 30 year fixed is a balloon payment after 15 years. That time is rapidly approaching and after numerous attempts to refinance the second as I will in no way be able to make the balloon payment in 45 mont hs they keep rejecting me. Provident claims  since they do n't have my first mortgage they ca n't refinance. They are the ones who sold my first mortgage. They keep saying basically there is nothing they an do and wo n't work with me. I got them to admit that I have to either default on payments or wait until I owe al most  XXXX  in  XX/XX/XXXX  and default th en and they will work with me. My payment is {$240.00} per month currently a nd  XXXX  in one lump sum  will be impossible. This last attempt was what they call a modification so I can be ahead of the balloon default. They just rejected me basically saying I am current on payments so I ca n't be helped and they do n't refinance second mortgages. Why is it that they can force me to default as my only option when a refinance would satisfy both parties. They sold my first mortgage creating this problem in the first place. I have been dealing with this for over a year now. Defaulting is a ridiculous proposal since it will hurt my credit badly. My  credit score is a  XXXX  and I  have been a customer of their s since  XX/XX/XXXX . thanks in advan ce for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: TRUIST FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for COVID-19 mortage forbearance with SunTrust ( Truist ) and received written approval in XXXX. I received a 3-month extension in writing on XX/XX/XXXX, stating my next payment is due XX/XX/2020 On XX/XX/2020 I receives a letter from SunTrust regarding my delinquent account and offering to explain my foreclosure alternatives. This letter was sent while I am under a written agreement for mortgage forbearance under the CARES Act. 

When I tried to contact SunTrust to discuss this, no emails of phone message I left were returned. 

My complaint is that SunTrust is stating I am delinquent in my loan, and states that " The longer you wait [ to XXXX payments, or contact us ], or the further you fall behind on your payments, the harder it may be to find a solution. ''

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 2017-06-12
Company: EQUIFAX, INC.
State: PA
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 AN ACCOUNT FROM XXXX XXXX XXXX XXXX SHOWING AS A CHARGE OFF ACCOUNT. THIS IS NOT MY ACCOUNT AND SHOULD NOT BE ON MY CREDIT REPORT. I HAVE CONTACTED XXXX IN REGARDS TO THIS ACCOUNT MANY DIFFERENT TIMES AND THE ACCOUNT IS STILL SHOWING ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: CITIBANK, N.A.
State: OH
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:
My statement that was closed on XX/XX/2022 had a balance of - {$400.00} which I requested to be transferred to my bank account. The credit came back to my account and my balance was {$0.00}. 

But, Citi charged me {$400.00} again on my account on statement that closed on XX/XX/2022. This negated my {$400.00} that was supposed to be sent back to my account. 

I have called Citi 5+ times and talk to manager and explained this situation and they have agreed every time that Citi is incorrect and they owe me {$400.00} and they always escalate this and open a case to request my money back to my card. Every time I was told to wait 5-7 business days and {$400.00} would be deposited to my account but not a single time there words were true. All calls were recorded so I request that they provide the call logs and all details that were discussed on the calls. 

I would like Citi to pay me my money back as soon as possible! 

I am tired of going back and forth with them. Please help 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 2022-03-30
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Yes I have an account with NetSpend and money has been deposited in the last 3 months I've tried anything several times to access this funds and even one of the security questions to get into the fun are they count as it has been money for positive in the last 3 months and when I say no I don't get into it when I say yes I get into it there's money in my account is coming confirmed by 3 employees there however every time they put me through the automated system wanted to activate a car that I do not have I believe they are aware that that I don't have the card and think that I wasn't aware of your friends that were coming their scam scam scam scam and my phone has been compromised and I'm in the process of finding appointment to get XXXX to send over all data can you please help access this funds

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 2021-05-12
Company: SLM CORPORATION
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am a XXXX student, taking a " full course load '' for our reduced semester due to covid restrictions. Because I am not taking over 9 credit hours, my student loans from Sallie Mae did not qualify for deferment. I have been in contact with them to try to see what my options are, as I can not afford to make the full high monthly payments. I gave a financial statement and was told that because I did not make enough money, they were unable to enroll me in a program to reduce my monthly payment. Then my cosigner spoke on the phone with them, they were rude, provided no help and hung up on him. I was later told that he would need to make a financial statement to try to enroll me in a payment reduction program. Even through the payment reduction programs, the amount I will have to pay is more than I can afford. Over the past week, my family and I have been working on reaching a solution. In the meantime, a payment has been more toward the account in a partial amount. I have been in contact with my " account '' manager. I have explained the situation to her in great detail. I have told her I am aware of the date that my account will go to collections and that we, as a family, were working on coming up with a solution to pay for my student loans. In the meantime, I told her I was appreciate if the harassing phone calls would end since we were all aware of the current situation and they had not been helpful. The past two days, my whole entire family has been harassed by this woman. My mother was contacted while at work 11 times yesterday. Today the same woman called my mother AND my brother and sister. I am not even sure how she has their contact information. I again called and spoke with her. I told her again, we were aware of the situation, we were working on a solution and the harassment needed to stop, especially since we have made an effort to make payment and be cooperative. She assured me that she was not harassing anyone. I think contacting a party over 10 times a day, contacting other family members that are not authorized on the account and interrupting someones work day after they have been told several times to stop, would qualify as harassment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: ALLY FINANCIAL INC.
State: OK
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Ally bank has charged a total of {$120.00} in overdraft fees for a {$2.00} overdraft, and is not following their own rules regarding overdrafts. 

My account was overdrawn by {$3.00} by XXXX, and I attempted to connect a XXXX checking account to the Ally account to pay the overdraft. In the process, XXXX made two test deposits of {$0.00} and {$0.00}. Ally charged a {$25.00} fee for each of these test deposits being recalled to XXXX, without, as far as I can fell, actually sending XXXX the {$0.00} they charged two overdraft fees for. Additionally, despite both test deposits being charged the same day, Ally charged two overdraft fees on different days for transactions attempted on the same day ( contrary to their rule of only charging one overdraft per day ). 

I contacted Ally on XXXX to explain the situation, and on XX/XX/XXXX they did refund the two overdraft fees for the test deposits. However, on XXXX and XX/XX/XXXX they charged two more overdraft fees for recurring charges that were not covered ( a total of {$50.00} in fees for a charge of {$2.00} that XXXX attempted twice and was not debited from my account by Ally ). 

Today, XX/XX/XXXX, I contacted Ally to see what was going on and to attempt to close the account. When I asked the person I spoke to if I has opted-in to overdraft services/fees, he told me that it is not possible to opt-out of overdraft services at Ally bank ( which seems illegal under the opt-in requirement of XXXX ). He also said that my account had been restricted due to the overdrafts and no more overdrafts would be charged due to it being overdrawn, which made me wonder why they hadnt done that on XXXX when they became aware of the whole situation. 

As it stands, my account balance is - {$77.00}, of which {$75.00} is fees for overdrafts and {$2.00} is the amount of actual overdraft paid by Ally. It is totally absurd, but the customer service person I spoke to today said that there is nothing that can be done about it.

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