BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
got loan from HSBC OR bENEFIAL FINANCE FOR MY HOME XXXX XXXX XXXX, LATER I HAD TO FILE BANKURUPSY BUT HOME NOT INCLUDED THE DROPPED MY PAYMENT TO XXXX A MONTH PAY OFF SAYS XXXX PLUS ADDED FEE FOR XXXX I HAVE NEVER SIGNED ANY PAPERS WITH THIS COMPANYM LIVED HERE SINCE XXXX STILL HERE AND STILL OWE THIS MUCH MONEY? I HAVE NO PROBLEM MAKEING MY PAYMENTS TO XXXX WHICH HAS THE LOAN NOW, JUST DONT UNDERSTAND XXXX EXTRA NO MODAFCATION PAPERS WERE SIGNED EITHER I WANT TO PUT MY CARETAKER ON THE REFINANCE BUT THEY HAVE HIM ON THE LOAN BUT NO DEED IIAM THE ONLY XXXX ON THE DEED PLEASE THIS HSBC OR BENEFICIAL ARE RIPPING ME OFF I HAVE HAD XXXX AND CANT AFFORD AN LAWYER WHAT DO I DO?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I made a purchase back on XXXX XX/XX/2021 XXXX purchase several furniture items from XXXX XXXX XXXX including a sofa love seat, Coffe table, lamp, and a swing chair XXXX and lamp was XXXX. I return the Coffe table and I receive a credit from XXXX XXXX XXXX, I refuse delivery of the sofa and love seat as they were damage The Synchrony credit card in total {$2600.00} and XXXX XXXX XXXX refuse to credit me back a total of cash paid XXXX. 
I have gone to the furniture initially to discuss a refund he was so upset for asking my money he refuse and told me he was broke the store is not making money he just got back from vacation/ his county and his father past away therefore he will not refund me any money. 
I contacted the credit card company I was told 3 times they found favor in XXXX XXXX XXXXXXXX XXXX  because the saga and love seat were special order but what I got were floor models

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 2021-04-20
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, Convergent Outsourcing Collection Agency reported a debt of {$190.00} from my original creditor XXXX. 

Once I became aware of it, I immediately contacted XXXX to resolve the issue. According to XXXX REP, there are no current past due balances on my account. Nor do I owe {$190.00}, as confirmed with the representative I spoke to. 

I have strong reason to believe that this account is FRAUDULENT.

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 2015-06-10
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I divorced my husband and the deed was signed over to me. During the divorce, my home went into foreclosure. The mortgage " note '' is in XXXX our names, but the mortgage is only in my ex husbands name. The mortgage company XXXX Seterus XXXX Inc. XXXX refuses to work with me for a mortgage modification, because my ex-husband refuses to cooperate and I am not on the " mortgage ''. The mortgage company is trying to force me out of my home with my XXXX kids without offering any type of mortgage solution. I am weeks away from my home being auctioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: SOUTHSTATE CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is what I've sent to South State- I know that these fees are excessive and posted in an order to assure that they are able to charge as many fees as possible. Hello, since the beginning of 2022 I have been charged {$1900.00} in overdraft fees, {$680.00} just since XXXX of 2022. I am writing this because I am trying to regain control of my budget, and that has become impossible due to the amount of overdraft fees I have accrued in my account. These are uncertain and trying times for all of us and I wish to urge you to reconsider these fees. It is such a high amount and myself and my spouse have held account both separate and joint with Southstate for quite some time, we remain loyal and recommend others to join your bank as well. I know this is a large chunk of the revenue that this bank collects- however I do humbly ask that you please refund these charges. " Overdraft fees are largely incurred by only a small number of financially vulnerable consumers : Just XXXX percent of account holders pay XXXX percent of overdraft and NSF fees.Because overdraft fees are flat and fixedthey are the same whether an account is overdrawn by {$10.00} or $ XXXX card overdrafts bear the most disproportionate penalty because they tend to be the smallest transactions '' The bank responded to speak to my local branch, to which I already have- and they were no help. I have regular deposits to this account.In addition to this several of these fees were charged due to erroneously bank drafts. I spoke with a bank rep over the phone who reported that the amount of fees were " excessive ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: BSI Financial Holdings, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My refinance loan was recently purchased by BSI Financial. My first payment was due XX/XX/21. I paid the first payment XX/XX/21. My payment was {$0.00} short, it was paid as soon as I realized my error. My first payment has not been applied to my account so I am always a month behind on my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: U.S. BANCORP
State: NJ
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I have been a XXXX XXXX prepaid card customer since XX/XX/2015. The card was issued by XXXX, XXXX and serviced by XXXX XXXX, XXXX, XXXX. 
On XXXX XXXX 2015, I called customer service to request to close my XXXX XXXX prepaid card and get a refund for my balance. I spoke to XXXX in the risk management department, he asked me to send the following documents via email to XXXXXXXXXXXX : photo of front and back of my XXXX prepaid card ; photo of my Driver 's license ; photo of my social security card ; photo of a recent utility bill showing my name and address ; photo of me holding my driver 's license ( similar to a mug shot ). 

I complied his request and send the documents via email. On XXXX XXXX, XXXX called me again. After asking a series of questions from my credit report to verify my identity, he requested further documents, including the store receipts for the last XXXX XXXX packs I used to add funds to my account. I could not provide these documents because I threw them away after using the XXXX packs. XXXX said he could not issue me the refund without the documents. 

Per the cardholder agreement, 'In the event that your Card Account is cancelled, closed, or terminated for any reason and you have registered your Card with your personal information, you may request the unused balance to be returned to you via a check to the mailing address we have in our records. There is a fee for this service. See the fee schedule above. We reserve the right to refuse to return an unused balance if the balance is less than the fee for sending a check. 'They already have enough information to verify my identity. It is a violation of the term to request so much more documentation just to process my refund. And quite frankly, it 's ridiculous that I have to send in a 'selfie ' with my driver 's license in my hand. 

Please help me get my refund! Thanks!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: NY
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:
am a natural person. i am a living human being, i have rights under 15 usc 1681 XXXX, XXXX, experian is govern by 15 usc 1681 and they violated my right numerous of times. i demand the accounts listed below be remove because accoording to 15 usc 1681 : i have the right to privacy and i did not give any of these financial institutions written permission to furnish these accounts you also violated 15 U.S. Code 1681n - Civil liability for willful noncompliance sent your companies a copy of my ftc report, YOU NEED TO TRAIN YOUR REPRESETATIVES BETTER HOW IS IT 6 REP SAYS THEY GOT IT AND YOUR SUPERVISORS SAY THEY CAANT SEE 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 non-monetary relief
Consumer complaint received 2017-02-26
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
taken to emergency room, treated for immediate issues and forced to stay in hospital for 14 day against my will and threatened to call police if i try to leave. XXXX services were not given to me and i was forced to stay in a hospital room to be finally released. i had no insurance at the time and was homeless with no way to pay. filled out paperwork to have county pay the debt but i still have account for collections on my credit report and the creditor refuses to remove 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 2016-08-28
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Rewards

Complaint:
I referred a friend to apply the American Express ( AKA, AmEx ) XXXX credit card a couple of months ago. According to AmEx, I believe I should receive a XXXX points bonus for the referral. However I did not receive that. After contacting AmEx six times within three months about this issue, AmEx refused to honor this promotion. AmEx claimed my friend did not apply through my referral link. However, they did not provide any evidence besides their words. My friend called AmEx and told them she actually applied this card through the link in my email. As a result, AmEx have failed their obligation. I request AmEx to honor their promotion and post the points to my account. 
I am attaching my conversations with AmEx about this issue for your reference. 
Ref # XXXX dated XXXX XXXX Ref # XXXX dated XXXX XXXX Ref # XXXX dated XXXX XXXX Ref # XXXX dated XXXX XXXX Chat ID XXXX dated XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I talked to representatives at Transworld Systems. I spoke with " XXXX XXXX '' and her supervisor " XXXX XXXX ''. I explained to them that I was disputing the bill of XXXX from XXXX XXXX Hospital. I explained to them that I needed an itemized bill. I explained to them that they should send this bill back to XXXX XXXX because I was not giving up my HIPAA rights to Transworld. XXXX insisted that they can get an itemized bill. I tried explaining about HIPAA. Transworld need to be educated about HIPAA because they can be fined with an enormous penalty. I work in XXXX and Transworld is violating HIPAA when they say they can get an itemized bill of health procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: STERLING JEWELERS, INC.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been out of work for most of XX/XX/XXXX due to moving, illness, and a car accident. I have received repeated calls from Sterling Jewelers/Kay Jewelers during this time in an attempt to collect a payment from me on an account for which I owe less than {$120.00}. I have tried to make the payments when they set them up but with no steady income I have been unable to follow through. They call up to 4-5 times a day, often from different numbers, in an attempt to make me answer the phone I assume. I have blocked XXXX numbers to date that I know belong to this company and yet they still call. They call late in the evening as well. They are sometimes rude and continually ask when I think I can pay and I 've told them I do n't know as I am trying to find a job every day! I just recently was given a position but it does n't start until XX/XX/XXXX and they still want to know when I can make a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XXXX XXXX XXXX I made a transfer on MoneyGram application to send money to my bank account in XXXX. I waited and today XXXX XXXX I called MoneyGram to see about my transfer due to the receipt says 1 4 days for the money to be available. They ask me all of my IDs info and then tell me that my money is on hold, and they can't cancel the transaction because I only had 30 min to cancelled. And that there is nothing they could do. I tried dealing with them to deposit my money either I the XXXX XXXX or the XXXX XXXX And they said I have to wait 4 days for my money. I am XXXXXXXX XXXX XXXX XXXX of my XXXX XXXX pay. I have to pay late fees for the money I owed in XXXX and I don't have the money for them to keep my {$1000.00} until they return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Winklevoss Exchange LLC
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
My Gemini.com account access was frozen on XX/XX/2022 citing login activity for my account in areas outside of their current operation where I have been working and regularly access my account fine for a whole year prior. 

Since the XX/XX/XXXX notice, I was prompted to provide proof of address, photo verification, and explain my traveling, as I travel for work. I have explained repeatedly that I work in a the foreign country and return home regularly throughout the year and my account is still locked, now 5 months later. 

As of now, my account value is around {$840.00} that I can not access. There have been XXXX email exchanges trying to remedy the problem. There is no phone number to call, I have provided my number to be called and they will not call it. I can not even close my account to withdrawal my assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: U.S. BANCORP
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Applied for a credit card to use while traveling. I was notified that i was approved, but did not receive card in the mail. I called usbank to get a replacement card, and i finally received it 33 days later via XXXX. This was 2 days prior to travel when i received my XXXX card, and somehow I was supposed to be clairvoyant enough to call usbank and inform them that my wife would be travelling with the new card. Since, I lacked this ability my wife was unable to use her card for half of her trip. She could n't buy cgas or food when returning from California and called me in a panic. I called usbank and spent several hours on the phone trying to convince them that my wife was travelling and making legitimate purchases as an authorized user. Nevertheless, the computer was convinced that she was a crook and there was nothing any human being could do to override the computer. The only option they gave us was to call every time we wanted to make a purchase which we said was unacceptable. No other options were given even after escalation. Because this was the only card she took on her trip, my wife was reduced to begging family members for money to make it back home. As cardmembers, we expect to have XXXX access to our available credit. Somewhere the system at usbank is broken, and the customer should not have to suffer with unacceptable options as a result.

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 2022-11-08
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
This is the second complaint about XXXX XXXX. I opened the about a couple of months ago withdrawing {$1000.00} from a XXXX XXXX  Account. The XXXX XXXX  has to be listed because the funds came from one of my XXXX XXXX  accounts. Someone called me but spoke so fast I couldn't understand anything he said. I just want my money back into the XXXX XXXX  account from which it came. 

Bankers have no brains anymore. I am disgusted and annoyed! 

XXXX XXXX XXXX Also I am in the process of moving

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax still will not allow me to login to their website. The only option it seems is to call them, but lets say that hypothetically I was a hearing impaired person. Would the fact that the only method they provide to me be a phone call ( no email or chat support at all ) not be in clear violation of my rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: U.S. BANCORP
State: WI
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Overview : I have been dealing with debt due to a disagreement between XXXX financial institutions over a credit card balance transfer where neither financial institution is taking responsibility for the amount of the transfer. As such, I am accruing interest from both institutions ' accounts for several months because I 'm unsure which account will be able to reimburse me in the end. 

-- - Details : After I signed up for a credit card through Associated Bank ( AB ), as part of an associated promotion, I opted to have a balance transfer from my Associated Bank Visa credit card account to another financial institution, XXXX, to reduce the balance on my XXXX XXXX XXXX credit card account. 

A balance transfer check for {$6500.00} was sent from AB to XXXX on XX/XX/2016. A week later I noticed the balance was added to my AB account, but it was not removed from my XXXX account. I corresponded with both institutions : XXXX recommends I ask AB for proof about the transfer and fax the proof to them. AB reports that their records that the check was cashed on XX/XX/2016, and they send me a photocopy of the check. I faxed the check to XXXX, and they write back deny having cashed it and claims it was canceled. Speaking with both customer service teams thereafter has led nowhere, where each institution simply recommends I need to speak with the other to seek resolution.

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 2015-12-30
Company: U.S. BANCORP
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
USBank and XXXX -This card was charged off back in 2001 they attempted to put a lien on my home but it fell off but since then I 've sold the house. I have not heard from these people for XXXX years and all of sudden they are trying to serve me. This company is harrassing my family members.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: TCF NATIONAL BANK
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have my auto loan of 4 years with Gateway One Lending and Finance. My account number is XXXX. I pay through direct pay from my credit union checking account. When my account went into arrears, I was locked out of my online account for not answering representatives phone calls. I have notified the account supervisor XXXX XXXX in response to e-mails she and the credit department sends letting me know they are trying to reach me via telephone. I told Ms. XXXX I do not have access to my online account and NEVER get paper statements so I have no idea how much I owe, ever. Ms. XXXX has stated she has updated my account to allow me access but I still can not get in. She also replied they send statements to my address, which they never do. I have even updated my account until my recent move XX/XX/XXXX. 

How am I to keep up on an account I have no idea how much I owe? Ms. XXXX told me I owe {$730.00} on XX/XX/XXXX after I told her I just sent a payment of {$300.00} and have no idea how much I owe for the reasons stated. My payments are {$440.00} per month, so although she told me I owe two months, I owe less than two months and actually less than 1 after my {$300.00} payment. 

I need statements and I should not be locked out of my online account because I do not take their calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation