BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The first phone call I had with I.Q Data International Inc. was a year and a half ago horrible experience. The lady got so rude because I wanted to make payment arrangements because I couldnt pay the full amount of {$540.00} and she wanted the full amount paid. Claiming I had enough money to pay according to her calculations because she knew what my monthly expenses were. She was demanding repeatedly I pay with my credit card I told her I wasnt going to do that and since I wasnt getting anywhere with her I hung up. Months later I got on the phone with them again and this time it was a man and the same thing happened and once again I hung up the phone. I thought this can not be the way they treat people so I called again same situation asked to speak to someone else and it just got worse and so I hung up the phone again. In XX/XX/2022 I got a letter the amount is now {$620.00} the letter says I can settle by up to 30 % if I pay by XX/XX/2022 so I called today ( XX/XX/2022 ) I told the man that answered I got a letter saying I could settle the account for 30 % he says you can do that or you can pay the full amount and have it removed from your credit? I said no I want to settle he says I have to see if you qualify for hardship ( no where in the letter it says that I have to qualify and get approved for that 30 % ) he went on to ask me how much was my rent, car payment, monthly credit card bill, and if I got a personal loan I said yes, he also asked if I was collecting unemployment I said no. Told me to hold on he came back on the line and asked again if I wanted to pay the full amount and have it removed from my credit told him again no, then he says its {$520.00} told him I couldnt pay that then his tone of voice change asked me how much I could pay, I said {$200.00} and he got more aggressive and loud saying thats not even 30 %? 30 % is like {$400.00}? this is why you dont qualify for hardship because you refuse to pay. Pay with your credit card and be done with it I said no Im not using my credit card. He says you got a personal loan why didnt you pay it? I said I had to use the money for something else ( got this loan a few months after COVID started to pay rent because I was unemployed and my husband work was very slow ) and he says in a very harsh voice Im not here to hear your excuses! At this point I had enough and hung up the phone. I have made several attempts to pay them but instead they get so aggressive, rude, demanding, trying to intimidate me by the way they talk because they want to force me to pay the full amount with my credit card. They sent a letter and dont want to honor what they say. The letter says to call in order to secure the offers instead they get you to try to pay the full amount and if you disagree they insult you in anyway they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card
Issue: Billing statement

Complaint:
HH GREGG credit account. Charged us high interest & added it to our account without giving us any notice. I asked in HH Gregg local store in XXXX XXXX, if they could tell us a " balance '' or give us a payment statement. HH Gregg told me, they have no access to this information. 
I went on " my online '' account for HH Gregg. To my surprise, there is " no available '' information, regarding : statements, balnce inquiry, current amount due or payment history. No record of " interest due '', current interest rates charged. 

I went to store again & asked what is my balance, after paying a store payment. The store manager again stated : " we have no way of knowing this information ''. 
I told store manager, that I went to my " online account '', and could not pull up a statement, account payment history or could not find where any " interest charges '' were be acrued! 

Manager gave me a phone number, saying : " maybe they can help you ''! 

Dissappointing, as we got an additional $ XXXX+ interest added onto our account, without being given any notice at all. Our account was down to {$1200.00}, now it has a balance of over {$1500.00}! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX ( cell ) or XXXX ( residence )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-07
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Huntington National Bank had a system issue causing some debits to double charge. Huntington was well aware of this issue as they had banner notifications on thier website while they were working thru the problem. My account was double charged and as promised, huntington reversed those charges. They did not however reverse the Overdraft fee caused by this double charging. I called in and spoke with a telephone banker and teh banker was able to reverse those charges for me over the phone as well as a extended overdraft fee that was also a result of the original overdraft. A day later ( unbeknownst to me ) Huntington reversed the refund off my account. This caused other OD fees when I used my debit card. Huntington now says the charges are my fault when my statement ( screenshot attached ) clearly shows the errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
For months I have tried to resolve issues XXXX raised about my XXXX forgiveness process, but their communications are inaccurate, confusing, and vague. Today I received a document that said I didn't qualify for XXXX ( traditional -- I knew that ), but I might qualify for XXXX. Again, I knew this. I consolidated my XXXX loans to Direct Loans as directed, and I received confirmation that my employment was approved. What more is there to do? Why more confusing communication? 

Further, the document sent today has my current employer listed with an " end date '' of XX/XX/2021, the date they received my employment information I suppose? But it clearly says in my application this is my current employer ; I am a teacher at this school. 

I know I have more than XXXX months of public service. In fact, I've never worked anywhere but the federal government or a non-profit. Why is XXXX doing this to us? This is sheer incompetence. This process should not take so long. My loans were consolidated months ago! I hope to get resolution to this process ASAP. I am feeling very strung along.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016 my cousin XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal & left the bank within 25 minutes of leaving the bank, XXXX XXXX branch manager contacted her again and informed her to bring the money back due to a fraud alert due to deposits not being in the account holders name we were informed that if XXXX XXXX brought me to the bank and I verify my identity everything would be fine that was not the case when we got back to the bank the branch manager XXXX XXXX just wanted the money & did n't give any information as to what actions should be taken next nor did she review the information we brought to the bank I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX XXXX XXXX. I have been able to get nowhere & they have constantly responded in a rude manner presenting horrible costumer service skills. I have limited information about my funds & Suntrust Bank internal department is telling me they can not give me a time frame as to when my funds will be released & and I was referred here to possible get a resolution within 10 business days of this matter being referred to the bank

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 2016-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX of this year XXXX Bank lowered my credit card available balance Based on information they had received from TransUnion. They gave me a very low credit score and I was never even made aware of the fact the XXXX XXXX who 's card is issued by the said mentioned bank had run a credit check on me. I never gave them authorization to do a credit report on me I have been with them for so long this had never happened. When I explained that the majority the information was incorrect the time. At that time I figured that the issue would correct itself with proper monitoring and for a while it did. Until again XXXX Bank ran a SECOND credit report for me on my XXXX XXXX XXXX in XXXX. The first XXXX was done in XXXX the second in XXXX. It was n't until I contacted XXXX and XXXX from the Consumer Affairs division told me what had happened. Low and behold TransUnion sent them the same information they had sent previously to this bank. Same generic letter issued and same reasons. Nowhere in that report does it have the installment loans I pay for each with through payroll deduction. XXXX is in denial as to what has happened until I contacted XXXX again today and informed her of this problem. 

She was supposedly contacting XXXX Bank and informing them of the situation. At no time did I give them authorization to run BACK TO BACK CREDIT REPORTS!!!! This is clearly a big issue why if you had run XXXX previously and you were informed of discrepancies would you run another XXXX a month later from the same bank..This lowers my credit as well as XXXX scores. Which according to several of my credit cards which are monitored by TransUnion ALL HAVE DIFFERENT SCORES. 

There is also a XXXX point discrepancy according to the current report issued and on XXXX XXXX by TransUnion to my creditors. I believe that both XXXX Bank and TransUnion should be held accountable and liable for these erroneous mistakes. Playing with someones credit is beyond comprehension. I am asking for a resolution to this matter if at all possible. If this can happen to me how many others out there are going through the same thing.

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 2017-02-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an " XXXX Checking Account '' with 5/3 Bank on XXXX XXXX and the bank ordered checks for me and charged me {$23.00} for them without my consent. I reached out to their customer service line on several occasions and even got escalated to a supervisor once, only to be told I would have to return the checks in person to receive a refund. This seems contradictory to FTC regulations on " unordered merchandise '' which I pointed out to the banking representative. https : //www.consumer.ftc.govXXXX I do n't think it 's fair for me to have to go out of my way to return merchandise I neither ordered nor wanted. I reviewed the terms of the checking account I signed up for and confirmed there was nothing in there noting that checks would be ordered and paid for on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX I am filing a complaint to have my credit file information blocked/freeze do to inaccurate information. 
My name is XXXX XXXX XXXX my DOB is XXXX my SS in XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT MINE : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE THE FOLLOWING PHONE NUMBERS : ( XXXX ) XXXX ( 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 2015-04-27
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo did ilegal VA Home Modification False information they have sent letter after 4 years they had put XXXX XXXX XXXX XXXX XXXX XXXX Went Bankrupt XXXX when we were trying to do a Fair XXXX Home Modification.They made us look as though we were high credit risk Saying we went Bankrupt XXXX which we did not they held Security XXXX dollars.Everything was done Via mail, they were supposed to correct this we did go bankrupt XXXX we did not list are VA Home loan .Made all payments Lawyers told us XXXX you do not have to reaffirm loan.We made all payments XXXX XXXX was found to have XXXX XXXX .We were 1 month behind on mortgage Wells Fargo told us to stop making payments 3 months before they could do a Modification, they put we went bankrupt XXXX which we did not made us look like we had a high credit risk took Security Instrument.Lock are loan we could not get a lower rate.Thank You XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
BOA changed my checking account type from college to whatever it is now and started charging for account maintenance fee without any acknowledgement. And there is no warnings at all prior to the change

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-08
Company: ALLY FINANCIAL 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: Investigation took more than 30 days

Complaint:
I have previously filed several complaints about ALLY FINANCIAL. ALLY Financial complaint # XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. ALL OF MY COMPLAINTS have been CLOSED and nothing has been resolved! 

I never made any late payments, ALLY FINANCIAL has not provided me proof that the payments they show as late ever happened, and yet continues reporting a late payment history on my account. I need your assistance correcting this error. NO LATE PAYMENTS WERE MADE! ALLY MUST fix this error immediately as they are causing my score to be low and my extensions of credits are being offered at high rates.

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 2020-12-03
Company: Jim Bottin Enterprises, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I joined XXXX  XXXX XXXX on XXXX/XXXX/2020 because they had a deal, but my credit card was locked during their billing and I decided that this gym wasn't for me. I sent my request to cancel my gym membership and it was canceled on XX/XX/XXXX, however I started getting charges that did not match the agreement I signed. I reached out to the manager of the gym on XXXX/XXXX/2020 and was completely ignored and disregarded. On XXXX/XXXX/2020, I requested an itemized bill by going to the website that does the billing for XXXX  XXXX XXXX. I still continued to be billed even after I asked them not to by revoking authorization to my credit card. On XXXX/XXXX/2020 I received an email marked " Final Attempt '' to make a payment but still no itemization nor an explanation of bogus charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Today ( XX/XX/2018 ) I attempted to send money to a person several times. 
By cash at the location and then online. 
Moneygram rejected me both times. 
1. They said there was an error processing. I contacted Moneygram and they said that they had no history of an attempt. 
2. Error processing. This time they said that they could not complete the transaction with my bank. However, they took {$790.00} out of my account and then told me that it would take up to 72 hours to drop the authorization. 

If this was isolated I would not be as angry. But this is an ongoing problem with them. They always seem to have errors whenever I want to send or receive. I have contacted them several times about these issues and all they tell me is that there are no blocks on me and that I should be able to send or receive. 

I feel they do not live up to their claims by a longshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: JPMORGAN CHASE & CO.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was given fraudulent wire transfer information for purchase of property. The transfer went through and was accepted immediately, even though the bank ( Chase ) did not have matching information on the account. It did not match the name or company I was transferring the funds too. An investigator handling my case forced Chase bank to give him the account information. Then Chase closed the account due to fraud and refuses to refund my money or take any responsibility. My bank has sent a request for return numerous times. Another investigator filed the person who owned the bank to be no such person, non-existent. The amount stolen was {$14000.00}. The bank not only allowed the money to be transferred into an account that did not match any of the information I sent in my transfer form, except for the account number. They also allowed a fake person to create a account, and take out the funds without taking any responsibility for their negligence. 

I've attached the document sent from my bank to Chase for the wire transfer. The name on the fake account was XXXX XXXX XXXX supposedly born in XXXX. This information was given to the police investigator directly from Chase bank. As you can see my transfer request has no such name or even close to it. I requested it to go to a company via the agents name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Charged a late fee on my mortgage payment erroneously. check was cashed on XXXX, late fees payable after XXXX and yet bank charged me a late fee.

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 2015-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a XXXX derogatory accounts and other high balance debt accounts I have been trying to resolve for the past 6 months. Now these accounts have lowered my credit score by more than XXXX points and now I can not make any financial decisions until I resolve these accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My mortgage account with XXXX has been PAID IN FULL and closed. XXXX letters confirming payment IN FULL have been issued by XXXX, which have been sent to the credit bureaus by registered mail and internet. Telephone requests to correct the credit files and indicate that the account has been PAID IN FULL have been made to the credit bureau XXXX. 
TransUnion is reporting as follows in regards to the XXXX account : REMARKS : Account information disputed by consumer. ClosedAs a result of the negative report ( which is NOT in compliance with the Fair Credit Reporting Act ), my credit score is lower than it should be and I have been denied credit. 
XXXX party that denied credit told me by telephone that the report from the XXXX could mean that I paid less than the full amount or nothing and that the creditor wrote off the balance. 
The people I have contacted at TransUnion recite a script, never answer my questions and do not show any interest in solving the issue. 
It is my contention that the Fair Credit Reporting Act requires the Credit Bureaus to report " in a manner which is fair and equitable to the consumer '' so that there is no possibility of misinterpretation. The Act reads : '' It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief