BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-26
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My complaint is regarding an excessive deposit hold time policy on a deposit with Huntington Bank. On XX/XX/XXXX I did a mobile deposit for a check from XXXX XXXX XXXX XXXX for {$8800.00} into my checking account. This is an in state check from a bank for under {$10000.00}. Now I have heard of a 1-3 day deposit hold in cases of personal checks, out of state checks etc. Huntington has incredibly put a hold on these funds until XX/XX/XXXX. So that is 10 calendar days and with the XXXX XXXX  holiday that would be a 6 business day hold. This is entirely unacceptable. I called and asked for a supervisor, they stated that it was " in process '' and the hold was put on due to an " unverifiable source ''. The source is a credit union. Furthermore I had {$11000.00} in my savings account and still this long of a hold. I called my local branch and spoke with the acting manager who was helpful, followed up but still could do nothing. Today, XX/XX/XXXX, I called XXXX XXXX XXXX, spoke with the bank manager and learned that their check for the {$8800.00} cleared last night XX/XX/XXXX. In this day and age of electronic ACH clearing and the digital treatment of checks that seems like an appropriate clearing time and a possible 1-2 day deposit hold time. Again, how can Huntington employ a practice of the excessive type of hold time described above? I was fortunate that I could move funds from my savings to pay the obligations I had sought the consolidation loan for in the time frame I had committed to. The funds were to pay down high interest credit cards. My loss is inconvenience and marginal savings account interest. But what if I could n't " float '' my own account for nearly 2 weeks while HNB " holds '' my funds? The damages could include : -Personal reputational risk ( a returned check to a 3rd parties ) -Additional interest accrued on accounts to be paid by the excessive hold time -Fees, possible NSF fees, return item fees from the very bank " holding the check '' or 3rd party fees for un honored items sent with the expectation of a 1-2 day " hold ' time -Damage to credit score/rating. This type of " deposit hold '' over reach is both inappropriate and unacceptable in this day and age of electronic banking. The practice needs to be investigated and changed. I will conclude that I have never had an issue with HNB and like their banking, as a loyal customer, who has multiple accounts this situation has damaged my perspective on their bank and service levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I called Chase on XX/XX/22 and spoke with a telephone rep named XXXX. I had an errant fee charged to my account and wanted to close my checking account. The Cahse rep instructed me to visit my local branch to close my checking account. I told her three times that local branches are closed and I wanted to close my account by phone. When I asked for a manager, they suddenly transfered me to a different department and XXXX was able to assist me immediately. I'm sending a complaint to the CFPB because I think its wrong for banks to make it difficult for the public to reduce access to gain or end banking services. Purposely restricting access to banking services to the public is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I purchased a money order from USPS the money order how ever got lost in the mail I purchased tracking of the money order also to prove to the bank that it was not cashed the bank denied my claim and since has put my account in a negative balance and is reoccurring overdraft fees and since I get my check direct deposited they are going to take my whole check come Friday. This is absurd I have rent to pay once again as in result this is not my fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-17
Company: U.S. BANCORP
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I bought a Visa gift card from XXXX for {$150.00} for my friend for XXXX on XX/XX/XXXX. She went to use it on XX/XX/XXXX and was told it would n't go thru. I called the customer service line on my XXXX receipt for the card and XXXX there gave me the Visa prepaid customer service number. There I spoke to XXXX who told me that someone had tried to use it before it was even activated at the register. She said I needed to fax a copy of the front and back of card, packaging and receipt to a number for Lost/Stolen Replacement Card Request - which luckily I had it all and I did. I was supposed to receive an affidavit to fill out and send back within XXXX days. I called by XX/XX/XXXX to the fraud number XXXX XXXX had given me to follow-up with and I was on hold for a long time and it finally came on and said to leave a message and they would return the call within XXXX business hours. I did, but no one called me back. By XX/XX/XXXX I called the customer service line again and was told it was mailed. I finally received it on XX/XX/XXXX and filled it out right away and faxed it back. By XX/XX/XXXX, I called customer service again to make sure they received it and XXXX told me he saw it said it would be resolved by XX/XX/XXXX but I could try the fraud line again. No one answered again, so I just waited. On XX/XX/XXXX, I called the customer service line to get status, and it now said it would close on XXXX. Again I tried the fraud line ( XXXX ) and could not get anyone on the phone. On this date, I just finally wrote a check for my friend for {$150.00} since she had been waiting this whole time for my gift. On XX/XX/XXXX I called back to the customer service line see if anything had been resolved. XXXX told me it now says pending dispute resolution on XX/XX/XXXX I asked for a supervisor but they told me that I had to talk to the fraud line - the XXXX # that no XXXX answers. I called again, nothing. It is now XX/XX/XXXX and still nothing - 6 months later and I am still waiting for a replacement card for the {$150.00}. I called the fraud line again and waited and waited today. Nothing, so I went ahead and left a message as well as typed a fax to fax to them but that still has not went thru. I as so frustrated and just want my {$150.00} back. Please help. I 'm not sure what I can do at this point but wait and I ca n't believe a company like XXXX can do this. I will not buy a XXXX gift card again after this experience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-19
Company: PROVIDENT FUNDING ASSOCIATES
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My bank sends monthly mortgage payment ( {$3000.00} ) to Provident Funding every month on time without any issue until this month. I was not notified until I got a letter from Provident Funding on XX/XX/XXXX. I called Provident Funding and was told : 1. Provident Funding received the payment ( {$3000.00} ) on XX/XX/XXXX. 
2. The monthly payment was increased {$78.00} from XX/XX/2020 ( but I wasn't notified. ) 3. There's a {$100.00} late fee for the {$78.00} short of the payment even I paid the total in full right after I was notified. 
4. Provident Funding knew my phone number and email address but they choice to mail me the notice, which guarantee it won't be received before XX/XX/XXXX. and they can collect late fee for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am disputing two 30 day late payments in my credit report from a company named XXXX, TransUnion investigated and came back that it was verified, even through I sent them a company of my credit union statement that said the company was paid timely, TransUnion  said that was not good enough, the bill was paid online at the website and funds were taken out of 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 2016-11-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am complaining in the strongest possible terms about the circumstances regarding my house insurance premium not being paid to date. 
5/3 Bank has absolved me of the responsibility of paying the premium myself through the use of your escrow system. My premium was due on XX/XX/XXXX last. I received a letter from XXXX informing me that our policy was about to be cancelled on XX/XX/XXXX at XXXX. Letter dated XX/XX/2016. I received the letter on XX/XX/2016. I was on the phone at approximately XXXX, only to be disconnected at XXXX by your customer service rep XXXX. 
I then drove to the branch in downtown XXXX at XXXX. 
I sat with XXXX while she went through phone queue hell. While on hold, she explained to me that there was a glitch due to the bank having changed escrow providers, she also pulled up an internal email explaining to the staff of this problem. Your customers, me, were not informed of any problems with this at all, I had to find this out on XXXX when I visited the branch. XXXX was then told that the check to XXXX was in process and would be mailed the next day ( XX/XX/XXXX ) I was also told by XXXX, after she got in touch with XXXX, that if a check number could be supplied, it would give me a 10-day extension. Of course, there was no check number available. I left the branch at XXXX I got a voicemail from customer service on XX/XX/XXXX at XXXX explaining that the check had already processed and that a next day delivery was not an option. 
I checked my insurance online today and still no payment to the insurance company. I then went to the branch in downtown XXXX at XXXX and spoke to XXXX , ( or XXXX ) We spent over an hour in the phone queue to the Escrow department. We found out that the check was not mailed out till XX/XX/XXXX. We got the check number so that I could forward it on to XXXX insurance, if they do n't receive the check on the XXXX. 
I left the branch at XXXX. 
What I would like is the following : An explanation as to why none of your customers were informed of this issue. 
An assurance from 5/3 Bank that it will assume any responsibility for any claims that may arise until the insurance is back in force and in good standing An explanation as to why I was lied to at the branch about payment being made. 
Compensation for time spent trying to rectify this issue, in my case, 3 hours at my overtime rate of {$36.00} an hour. This is time that I used in excess of my normal working day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
ive contacted both comoanys before and have got no results i want inqurirys removed from my credit report i filed report and see no reason these inquirys are not removed

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 2022-03-25
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX fraudulently and knowingly submitted a loan application to Truist after I stated I did not agree to nor want the loan with Truist. I already had my own lender. I notified them of this before the loan was processed. Instead of XXXX cancelling the loan before it was processed, fraudulently sent my information over to Truist. I contacted Truist several times by phone and they assured me I did not have a loan with them. I finally received the loan paperwork from Truist. 

The issues have not been addressed. I stated that a fraudulent application was submitted on my behalf without my permission. Please provide proof of documentation that I agreed to apply for a loan with Truist and the terms I signed and agreed to. The car is still does not have a valid title. The title is currently in suspension and has been in a suspended state for months. The car does not have a valid title. Please respond with documentation showing the car has a clear title with Truist listed as the lein holder. 

Previously CFPB Complaint Number : 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 2017-01-07
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
the bank took without our or my wife 's authorization her paycheck and deposited it into the wrong account ending in XXXX when with her work we changed the direct deposit weeks ago and then the back took their own initiative to deposit into that account XXXX ( which by the way should have been closed on XXXX XXXX, 2016 per my request with a phone agent @ Suntrust Bank ). The bank should have deposited her entire check into the account ending in XXXX per my wife 's request through her work and by contacting the bank. Furthermore there are charges which the bank should have honored in the account ending in XXXX before close of {$300.00} for att and {$1600.00} and change for XXXX XXXX and for XXXX of {$370.00} and for XXXX for {$68.00} none of these charges were honored per the bank and I was n't given any indication of why which is all of these are violations of Regulation Z, Regulation E, and TILA- Truth in Lending Act and the bank needs to do the right thing and abide by the law. All of these denied transactions were charged bank NSF fees of {$36.00} even though the bank did n't pay the charges, and i find this aggregous and unlawful.

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 2020-03-16
Company: AA Recovery Solutions, Inc.
State: GA
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:
XX/XX/2020 at XXXX XXXX  I received a phone call from a private number the person told me they were in the independent process server. They told me that they will be attempting to serve me at a address in XXXX where I dont currently reside. I asked what was the court action reference to they refused to tell me and told me if I wanted more information I had to call XXXX. Once I said I had a number the person said you have been served and hung up the phone. I then contacted the 800 number which belongs to AA Recovery Solutions XXXX. I informed them of the phone call I got from the unknown number they quickly denied that was associated with them. I asked him how would I know the number to call without receiving the information from somebody and again they denied the Previous phone call. This is a very deceptive practice to have somebody call threatening a lawsuit are delivering paperwork for a lawsuit just have a customer call them so they can then tell you about a debt .they never really identify their selves as a collection agency. I feel that no collect agency should threaten a lawsuit without first informing you of whats going on and give you some time to validate if the information is actually true

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XX/XX/2022 i made a purchase with Paypal account in the amount of {$1300.00}. On XXXX XX/XX/2022 Paypal double charged my bank account under two diferent checking accounts for the same transaction. On XXXX XXXX and XXXX XXXX I contacted Paypal customer services and made them aware of the issue. Paypal has acknowledged their mistake however to this date they have failed to returned the over charge of {$1300.00}. I have contacted XXXX XXXX XXXX XXXX and initieted a claim to disput the doble charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: SC
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:
equifax They are saying it had to be seven seven years from last payment Past Due both of these accounts are past due date XXXX and the balance are wrong. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions 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:
I submitted a letter to the 3 Credit Bureaus ( " XX/XX/2022 '' ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. " XXXX XXXX* Balance : {$200.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXXXXXX Balance XXXX {$200.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}XXXX XXXX XXXXXXXX Balance : {$0.00} "

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 2020-12-07
Company: Experian Information Solutions 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 fraudulent accounts reporting on my credit report i believe someone stole my identity

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 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On or about XX/XX/2019 I noticed multiple accounts listed in my credit file not belonging to me. Upon further research, I learned that my personal identifying information had been used without my consent to acquire credit cards, loans, and to rent apartments. I immediately notified the 3 major credit bureaus that I'm a victim of identity theft and requested that an extended fraud alert be added to my credit file. I completed an FTC Affidavit listing the accounts that were a result of the identity theft, filed a police report with my local police department, and wrote a letter to TransUnion identifying the accounts that were as result of fraud. I requested that the information be immediately blocked pursuant to FCRA 605b. TransUnion and XXXX  continues to report information to my credit file that it has knowledge of being a result of fraud and identity theft.

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 2020-03-16
Company: EQUIFAX, INC.
State: CA
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 RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE ACCOUNTS THAT IS NOT MINE APPEARING ON MY REPORT.. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ). 

I HAVE RECEIVED AN INVESTIGATIVE RESULSTS REPORT FROM XXXX XXXX, WHERE THEY HAVE PROMPTLY DELETED XXXX  XXXX, # XXXX WHICH IS XXXX XXXX, # XXXX, REFER TO ATTACHED DOCUMENT. 

IN MY DISPUTE LETTER FILED THROUGH THE CFPB, ID COMPLAINT # XXXX-XXXX I CLEARLY DISPUTED THE BELOW ACCOUNTS, BUT TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORT OTHER THAN THE XX/XX/XXXX EQUIFAX DELAY TACTIC LETTER. 

PLEASE SEE ATTACHED IDENTITY THEFT POLICE REPORT, AND IMMEDIATELY DELETE THE BELOW LISTED ACCOUNTS.

Company response to consumer: Closed with explanation