BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Over payment of escrow money has been held since XX/XX/XXXX. Taxes were adjusted by XXXX XXXX XXXX. Called XX/XX/XXXX was told my account would be audited. Called XX/XX/XXXX BMO stated audit was in progress check would be issued. XX/XX/XXXX XXXX XXXX told to talk to loss mitigation dept-left msg. XX/XX/XXXX XXXX  XXXX  -was told audit in progress. XX/XX/XXXX - XXXX - can not audit due to system in auto audit. XXXX XX/XX/XXXX XXXX will issue check - transferred to loss mitigation department. XX/XX/XXXX XXXX XXXXXXXX will issue check transferred to loss mitigation dept left msg. XX/XX/XXXX XXXX loss mitigation no hold on my acct transferred to XXXX XXXX XXXXno check issued asked for supervisor. Sup XXXX XXXX could not get check issued- stop on acct - will email to get it removed from acct. It is now foreclosure dept that needs to be notified. BMO is holding {$2100.00} surplus escrow as of XX/XX/XXXX. My acct is in good standing and NOT in foreclosure as of XX/XX/XXXX. XXXX dismissed me and gave me canned response with no resolution of when a check would be issued.

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 2023-10-19
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cash-net USA keeps calling my phone trying to collect a debt that I do not owe. Have not even been in contact with CashNet USA for a loan. They called 6 times today and restricted their number once to leave a voicemail. I am asking them to not contact me period. I do not have any loans with CashNet USA. If they continue, I will seek legal counsel and pursue litigation. If they think I owe the debt, the MUST validate the debt and follow the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I did an internet search for a used XXXX XXXX Fusion engine, a short while after, I received a phone call from XXXX XXXX ( XXXX ) who offered to sell me a used XXXX XXXX Fusion Engine with XXXX miles for {$1800.00}. After performing some research, I visited the company 's website performanceautosalvage.us, and decided to purchase the engine, after exchanging several emails with XXXX, he said his company does not accept credit cards, only Zelle. I eventually sent the Zelle payment as he instructed : Payment was sent to XXXX XXXX XXXX XXXX : XXXX for {$1800.00}. After several weeks of calling, they kept hanging up the calls. I filed a complaint with the Illinois Attorney General and made several complaints through my bank ( XXXX XXXX XXXX XXXX XXXX ) to Zelle, but have received no response. 

Here is the Zelle instruction from XXXX 's email : PAYMENT EMAIL ASSOCIATED WITH ZELLE ACCOUNT XXXX The part will be inspected and delivered to you. Once the part is shipped out we will email the tracking number If you receive a damaged part or an incorrect part please notify our customer service department. Returning the part is the responsibility of the customer and XXXX XXXX XXXX must be provided with a return tracking number when the item is returned. The item must be returned within XXXX business days of the receipt of the XXXX. The return address will be provided at the time we are contacted. Parts must be returned to the location address provided upon receiving XXXX. Once the item is returned it will be inspected and upon approval a credit request will be forwarded to accounting. Customer refunds are issued within XXXX business days once the returned part has been verified and inspected. 

PART DETAILS : TESTED GREAT LOW MILES READY TO SHIP CLEAN RAN AND TESTED, FREE DELIVERY WARRANTY AVAILABLE COMPLETE ASSEMBLY READY TO INSTALL CERTIFIED AND INSPECTED PRICE & POLICY :. 
TOTAL > {$1800.00} DELIVERED WE DO HAVE RETURN AND REPLACEMENT POLICY AND WE DON'T CHARGE FOR THAT IF ANYTHING GOES WRONG WHILE SHIPPING OR YOU GET THE WRONG PART WILL MAKE SURE EITHER WE GET YOU OTHER PART OR REFUND THE MONEY. 

Thank you for considering our services. We look forward to hearing back from you soon. 

Best regards, PERFORMANCE AUTO SALVAGE Direct Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: SANTANDER HOLDINGS USA, INC.
State: CA
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. SANTANDER CONSUMER XXXX was reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: HUNTINGTON NATIONAL BANK, THE
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I applied for a Platinum Perks Checking Account with Huntington Bank on XXXX XXXX in order to take advantage of a new customer offer the bank was running. They promised to give new customers a {$600.00} bonus if they deposited {$25000.00} or more with the bank and kept an account open. I called customer service with the bank TWICE inquire about the steps that needed to be taken for me to take advantage of this offer, once just before I opened the account. I went through the bank website to open and account and attempted multiple times to have a promo code sent to my email address, but nothing ever arrived. I checked spam folder as well and never received anything. I called customer service with the bank again and was ASSURED that the promo code would be applied automatically if I signed up for an account through the link on the website below the offer. I did so, just as instructed. 

I've met all the criteria to receive the {$600.00}. I called the bank today, XXXX XXXX, to MAKE SURE there was nothing else I needed to do to get the offer and was told by both a CSR and a customer service manager that there was no promo code applied to my account and that I would not receive the bonus as the offer stated. 

I feel like this was a clear scam, and an instance where Huntington Bank misled me into opening an account and depositing a large sum of money with then on the promise that I would get a {$600.00} bonus ... a promise they clearly did not keep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: Alorica Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Dear Sir/Madam, I am writing to bring to your attention a concerning experience that I have had with my account. I am a customer of XXXX XXXX and XXXX XXXX, with Loan # XXXX. Unfortunately, due to a financial hardship, I fell behind on my account. 

During my attempts to resolve this issue, I discovered that my account had been transferred to SST ( XXXX ). In an effort to rectify the situation, I called the provided contact number, XXXX, and provided my personal information as requested. Disappointingly, I was informed that none of my information was present in their system. 

Seeking clarification, I called SST once again, only to be informed by a representative named XXXX that there were no phone numbers associated with my account. I expressed my concern about a possible scam and requested to speak with a manager. To my dismay, I was placed on hold for over 1 hour and 21 minutes without any resolution. 

In light of these difficulties, I am now requesting the immediate assistance of a supervisor/manager to address this matter. I believe it is crucial for someone to contact me promptly. 

Also, this account was a XXXX XXXX XXXX  and this allowed some of my monthly payment to placed in a savings. The total amount in the savings was {$1000.00} and per loan agreement the remaining balance was approximately {$450.00} would be paid off by the savings account and I would receive the difference. 

I have yet received a difference. 

I greatly appreciate your attention to this matter and I hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
Trustee Claim XXXX in the amount of {$8300.00} Trustee Claim XXXX in the amount of {$8500.00} both 100 % paid what mortgage address were these applied?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reviewed my credit report and found accounts that are not mine. I also found inquiries that were not made from myself. I have attached the report I made with identity theft.gov. This report goes more into detail of what I am reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
applied for a refi in like XXXX and it took till XXXX everything was set there was to be NO escrow account. when title 365 showed up to sign the documents there was an escrow account setup. before i signed i called my loan officer and they recorded the call and I recorded the call and was told to not worry about it they have it on file that i waived escrow so once the papers are signed they will fix in post... taking their word for it, i signed the documents and then never heard anything more about it. i received a call from their collections dept claiming that i was not paying the correct amount. upon further review they never fixed the escrow account so i was behind in my payments. i called my officer, the collections dept, the escrow dept, mgmt, XXXX near anyone i could get on the phone. left a ton of messages. every single person that calls me or talks to me says that someone else has to deal with this or that i signed the documents so there is nothing they are going to do. i do not owe the mortgage company additional money over what is borrowed. they have no right to continue an escrow account when i was told they would remove it. its some simple paper work and yet they refused to fix it. they are reporting to the CBR that i am delinquent, they are violating the FDCPA, pretty sure this is violation of the truth in lending, maybe a bunch of other things too. they are shortly going to attempt to foreclose because of this but i dont owe them that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting 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 this creditor has violated my rights. Under 15usc1681 section 602 states I have a right to privacy.

15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under and open any consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Early Warning Services, LLC
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Victim of Identity theft Beginning XXXX. Numerous Police reports Filed. In XXXX XXXX Bank account and XXXX  account accessed fraudulently and checks deposited. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unauthorized Credit Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received a letter that a online application was submitted on XX/XX/2023. I did not apply for any credit with Capital One or any other credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Roadrunner Account Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I received an offer for financing through a third party for a vehicle but was denied because my profile number was below their margin I then asked to speak with the underwriters and kindly explained the them that it was against statutes to deny a person credit on their own account as I had already given the XXXX number to them but the conversation ended and I was unable to receive credit for the purchase of a new vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Global Lending Services LLC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I DID AUTHORIZE THESE INQUIRES 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Fay Servicing, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Fay mortgage services have not applied payments and said they never received but was sent cashiers checks. So they now say we are behind XXXX  months and applied over XXXX in overages which dont add up and when you call the amount keeps going up from owning XXXX XXXX weeks ago to now XXXX and when you ask them to explain were the lost payment are and why it keeps increasing all I get is pay or be foreclosed.. I dont understand how they arent helping and just keep making up prices and then they have sold the mortgage 3 times this year to themselves.. which makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting 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 this creditor has violated my rights under 15 USC 1681 SECTION 602 states, I have the rights to privacy, 15 USC 1681 SECTION 604 A SECTION 2, it also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-10-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I need this to be reviewed because it is not mine and it hurts my credit history I want it to be deleted XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital One reported that it experienced a data breach and that the information reported is incorrect but they still continue to report 4 late payments on the 3 credit agencies XXXX, XXXX and XXXX this is a violation of my rights as a consumer. Please fix errors in my credit report and report me. I should not have 4 late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: JPMORGAN CHASE & CO.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/XX/XX/XXXX I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX. Under the instructions of XXXX XXXX XXXX, funds were transferred from my bank account via debit card to XXXX and then to the scam platform in the amount of XXXX USD. Via XXXX, I was told to invest {$500.00} or more and was guaranteed a profit in return. I started with {$1000.00} USD. Later I was told to put in more to upgrade. {$6000.00} total. Then I was told I had to pay 10 % of the profits in advance to get what I had coming. When I couldn't come up with {$10000.00} more my " manager - XXXX XXXX '' said she would put in XXXX if I did. I did my part, she put in XXXX then said she wasn't allowed to do the whole XXXX, and if I wanted to see any $ I had to pay the additional $ XXXX. The entire time she was luring me in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Contacted on XXXX by scammer on or about XX/XX/2022 ( XXXX XXXX ). Continued to have an ongoing online relationship for months. Scammer requested assistance paying for bills and needed money. Multiple transactions were processed by wire transfer and via XXXX totaling around {$100000.00} USD.

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 2023-10-21
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is two charges on my credit report from XXXX XXXX XXXX XXXX / I C SYSTEMS one for {$660.00} and the other {$440.00}. 

The dates open wasXX/XX/XXXX andXX/XX/XXXX. The company has negatively impacted my credit reports.. 

I have filed a theft of identify report and attached it a police report and updated the XXXX site with a theft of identify statement : XXXX XXXX XXXX XXXX : Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$440.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$660.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XX/XX/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 2023-10-21
Company: Nelnet, Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Nelnet you are in violation of the Fair Credit Reporting Act : This fraudulent student loan was serviced by XXXX  and placed in default by XXXX. The real U.S.Department of Education General XXXX said on a call they are required to review all XXXX XXXX XXXX federal student loan. The results U.S. Department of Education General Counselor are placed in the XXXX XXXX XXXX XXXX XXXX as Defaulted, Unresolved., XX/XX/XXXX and the federal loan was terminated on XX/XX/XXXX for the same reason. Nelnet if XXXX have any problems with your fraudulent federal consolidation loan call the real U.S. Department of Education General Couselor that was assigned to review all of XXXX XXXX XXXX federal student loans for liability purposes. The U.S. Depatment of Education rejected the federal consolidation XX/XX/XXXX. The fraudent loan had Issues like their is not a copy of a orginal promissory note attach with the XXXX XXXX for verification, their is no address of mine the XXXX XXXX does not exists. A school code was used for consolidation from the XXXX XXXX XXXXXXXX XXXX. The XXXX XXXX XXXX XXXX is not a Bank and does not have my history from my lender XXXX XXXX XXXX  and neither did XXXX XXXX who did not keep in track with my payments. All my federal students were made by XXXX XXXX XXXX  in which I paid in full before XXXX XXXX fraudulently consolidate the note without a federal lender education code. Nelnet stole my identiy and placed over {$80000.00} due on my credit reports to steal money from the U.S. Department of Education to collect serviceing fees and bonus. Nelnet you sent me a billing statement requesting {$800.00} due XXXX XXXX XXXX in which I am not going to pay a XXXX. Nelnet you have damaged my credit reports and score for greed. Nelnet send me a receipt that lender with an education code paid my lender XXXX XXXX for a federal consoldation. Nelnet you have prevented me to obtain a mortgage. Nelnet send me the lender name who received the money for the consolidation. Enclose the enevolpe of the servicer of the loan XXXX  in XXXX an the real XXXX Department of Education

Company response to consumer: Closed with explanation