BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-18
Company: WELLS FARGO & COMPANY
State: HI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
WELLS FARGO DEALER SERVICES IS REPORTING A PAID OFF LOAN AS PAST DUE NOW FOR 24+ MONTHS TO ALL XXXX CREDIT BUREAUS - FILED A BOGUS BK XXXX CHAPTER XXXX CLAIM - COLLECTED PAYMENT EVEN ON A DEBT EVEN THAT IS NON EXISTENT - CONTINUES TO VALIDATE A DEBT WHEN DISPUTED WITH EACH CREDIT BEAUREA VIA ONLINE DISPUTE PROCESS AS I POSSES VEHICLE TITLE SHOWING NO LIEN HOLDER, MY INSURANCE COMPANY HAD PAID THE LOAN OFF IN FULL BACK IN XX/XX/XXXX, I HAVE PROOF OF THE CLAIM FROM MY INSURANCE COMPANY OF THE CHECK NUMBER WELLS FARGO DEALER SERVICES RECEIVED, THE DOLLAR AMOUNT OF THE CHECK THEY RECEIVED, THE CHECK NUMBER, WHEN IT WAS CASHED, THE PAYOFF AMOUNT, ALTHOUGH WELLS FARGO RELEASED THE TITLE AND IS NO LONGER A SECURED LIEN HOLDER, HAS NO LOAN AND HAS FULL PAYMENT, THEY REFUSE TO FIX AND CORRECT MY CREDIT REPORTS AND CONTINUE TO REPORT A BOGUS PAST DUE AMOUNT ON A CHARGED OFF LOAN THAT WAS PAID OFF IN 2011 WHICH IS AND HAS RUINED MY CREDIT AND ABILITY TO OBTAIN CREDIT SINCE XX/XX/XXXX, AND I HAVE ATTEMPTED TO CORRECT IT THROUGH FORMAL BUREAU DISPUTES YET THE CREDIT BUREAUS CLAIM THE AMOUNT IS VALIDATED SOMEHOW REFUSE TO SEND ME PROOF OF HOW IT IS VALIDATED, WELLS FARGO EVEN CLAIMED A BANKRUPTCY CLAIM ON MY CHAPTER XXXX FILING BETWEEN XX/XX/XXXX-XX/XX/XXXX COLLECTING PAYMENTS ON A NON EXISTENT LOAN - I HAVE CALLED WELLS FARGO REPEATEDLY GETTING HUNG UP ON - TOLD A MANAGER WILL CALL BACK ON THIS PILOT PROJECT - I NEVER GET A CALL BACK - IT 'S BEEN FIVE YEARS - I AM REPEATEDLY GIVEN THE RUN AROUND THIS IS ILLEGAL - I HAD ADDITIONAL GAP COVERAGE ON TOP OF THE COMP INSURANCE CLAIM THEY REC 'D FULL PAYMENT ON TO PAY OFF THE CAR IN FULL. I NEVER REC 'D A DIME FROM THE GAP POLICY. I SHOULD HAVE REC 'D PAYMENT WHICH I DID NOT. IF ANYONE IS OWED MONEY BACK IT IS ME, NOT THEM. THEY CAN NOT REPORT A BALANCE ON A LOAN FULLY PAID AFTER 5 YEARS, WHY ARE THEY ABLE TO DO THIS. THEY ARE AND HAVE RUINED MY CREDIT FOR YEARS AFTER A LOAN IS FULLY PAID THIS IS COMPLETELY AND UTTERLY IRRESPONSIBLE WHEN THEY HAVE MADE MY CREDIT SCORE BEYOND REPAIR AND NEARLY IMPOSSIBLE TO ESTABLISH ANYTHING ABOVE XXXX ALL WHEN I DO NOT EVEN OWE THE DEBT AND THE BUREAUS ARE SOMEHOW WORKING WITH THEM TO VALIDATE DEBT THAT DOES NOT EVEN EXIST.

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 2020-04-01
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:
On XX/XX/2020, I opened a new checking and savings account with Huntington Bank in the branch with a banker named XXXX. Before I left the branch, I deposited {$400.00} in cash. 
On Monday XX/XX/2020, I activated my XXXX service through the mobile app. I received a payment from my Mom in the amount of {$670.00} for my rent. A coworker of mine purchased a phone case for me and I needed to pay her back. The recipient also banks with Huntington Bank and she activated her XXXX service through her mobile app as well. I sent her a XXXX payment for {$6.00}. 

Later that evening, I tried to log into my account via the mobile app and was told that there was suspicious activity on my account and I needed to change my password. I attempted to change my password 3 times and received an error on all 3 attempts. I was then sent an email stating that my XXXX payment for {$6.00} was suspicious and I needed to call in to reset my password. 

On XX/XX/2020 I spoke with customer service and was advised that my account was suspended/on hold until I went into the branch and verified my identity. I went to the branch at XXXX EST and provided a copy of my ID to XXXX and was told the hold should be cleared. I called customer service back at XXXX and was told there was no updates about when my account would be cleared. I asked why over {$1000.00} was being held when there was only a suspicious transaction amount of {$6.00}. They could not provide me with an answer. 

As a result of this hold, I am not able to pay my rent, and in addition to the limited funds I have as a result of the pandemic I am being severely aggrieved by the situation. I advised this to the customer service team on my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Specialized Loan Services ( SLS ) refuses to provide me monthly statements of my account. After two years of contacting their Customer Care XXXX number, no one has provided me answers to the various questions I have regarding my account. Calling their Customer Care is meaningless as no one assists you ( see examples attached ). Due to SLS 's mismanagement of my account, my attorney wrote to SLS ( see attached correspondence and note it was also per the request of SLS in their letter dated XXXX/XXXX/15 also attached ) that they remove my escrow account and I be responsible for payment of taxes and insurance. However, per the attached letter from SLS on XXXX/XXXX/15, they refuse to comply with the request. Per my records, as of XXXX/XXXX/2015 my Escrow Account had a positive balance of {$330.00}. The past due amount was brought current as of XXXX/XXXX/2015 per the Trustee 's notification. I will not pay an increase in monthly payment until someone from SLS or XXXX XXXX does a complete review of my payment history with me via telephone or in person at a local office ( if local office is even an option ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: Malcolm S. Gerald and Associates, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
M S Gerald phone number XXXX called my work number, and demanded my social security number, when I asked what it was regarding the man informed me he would tell me after he collected my information. They have also been calling my cell.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Late fee

Complaint:
I have had a credit card account with Wells Fargo for almost XXXX years. During this time I Have never been late nor been over my limit. I pay several bills each month on or about the XXXX. I keep a log of the date I pay the bills that are not payed via auto payment. The Wells Fargo Visa card is logged with a payment of {$30.00} made on the due date of XXXX XXXX. Wells Fargo indicates that I did not make this payment. This again would be the first payment I have missed in XXXX years of doing business with Wells Fargo on this card. When I logged into my account to make my payment in XXXX, the statement reflected the missed payment and a late charge. I contacted Wells Fargo about the missed payment and they reversed the late fee. I then made a double payment on the XXXX of XXXX to cover the payment for XXXX and XXXX. When I tried to log into my account in XXXX, I no longer had on-line access to my account. I tried to contact Wells Fargo by phone and was told that I owed an additional late fee for XXXX. I tried to get them to transfer me to the on-line help desk to allow me access to my account so I could see what they were charging me for, and they would not without making a payment. I again made a double payment, but was hung up on before obtaining access to my account. There have been no new charges to this card since XXXX of 2015. My minimum payment has gone from {$27.00} a month to {$180.00} for the month of XXXX. I have made monthly payments well over the minimum payment every month since the supposed missed payment in XXXX. I have called several times and continue to get the run around from Wells Fargo. I was finally able to get them to transfer me to an on-line support representative who assisted me in accessing my on-line account. The minimum payment due is associated with fees that should not have been charged. If you look at my credit report and history you will see that this is the only financial institution that I have any type of problem with. On the contrary, I handle my monies very responsibly. This account in itself was in perfect order until the so called missed payment in XXXX. I see this as a total abuse on Wells Fargo 's part. Do I have any recourse? Please Help!

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 2015-12-29
Company: College Loan Corporation
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received correspondence from XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX have a second address on form of XXXX XXXX XXXX, XXXX TX XXXX phone number XXXX - stating that they are collecting a debt from original creditor college loan corp/XXXX. Total due {$10000.00}. This is not my debt and they will not provide me with documentation about this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Online, opened new Santander Bank account with {$30.00} ( bank required {$25.00} minimum ). XXXX XXXX 2014. Later Santander statements issued to me showed {$30.00} balance. Still later, Santander variously reported to me by phone and mail the following : ( a ) account was opened with {$30.00} but signature cards were not received ; ( b ) account was opened with my promise to deposit {$30.00} but funds never received by Santander : ( c ) {$30.00} in funds were received by Santander but transferred by Santander to another Santander account ( s ) ; ( d ) Santander account numbers showing on Santander statements are invalid ; ( e ) funds received by Santander but transferred by Santander to a Santander debit card and later spent from that debit card ; ( f ) funds received by Santander but transferred by Santander to a Santander debit card and still reside as a credit on that debit card 's balance, but debit card number can not be identified ; ( g ) funds received by Santander but misplaced by Santander and can no longer be located. Santander also reported that my name showed up as a problem name in various reports issued by XXXX ; XXXX ; XXXX ; and XXXX. I was able to verify that all of these Santander claims regarding a " problem name '' were untrue ( could not be verified and/or denied by reporting parties ).

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
Consumer complaint received 2016-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America closed XXXX accounts XXXX and XXXX reporting it as suspect fraud activity. I do not believe this to be true. Fraud definition is wrongful or criminal deception " intended '' in personal or financial gain. Is there proof that anything was intended?? No there is n't, but there is a police report with the XXXX Police about my house being broken into and things stolen. Any use of this account was never " intended '' and no personal or financial gain occurred. In fact all debt has been paid. I am therefore asking for the " suspected fraud '' to be removed from my file. Please see if Bank of Maerica can in fact prove any fraud was done, there was none. Another point is on my XXXX report the reasoning for closure is " closed for cause-purged, '' their definition of that is, the account is closed.this does not convey a negative situation. The bank has deleted this account record from its file. '' How can this still appear if that is the reasoning let alone be noted as " suspected fraud ''. With the debt being paid I no longer see why this should be affecting me. I clearly never intended for the misuse of this account to occur and took the responsibility to pay. Please removed the " suspected fraud '' clause account from my record. Attached are letters from Bank of Amercia stating the accounts have been paid in full. 

Please note that when these accounts occurred is was under my maiden name of XXXX XXXX now married and legal name of 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 explanation
Consumer complaint received 2017-02-25
Company: General Motors Financial Company, Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am trying to pay my car loan off sooner and I have paid extra online and I called before I paid and after I paid and checked online to see where the money posted. Gmfinancial made the money post to 2 months and sent me a statement with the next month bill a zero amount due.But they charged me extra interest. I called them to fix it and they then placed in all on XXXX month and then made my bill be late. I called again to fix it they then put it back to paid in advance and not put the extra on principle. They act like they do n't want me to pay extra to principle monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
This is for Bank of America credit card. The dispute case ID is XXXX. On XX/XX/2016, I purchased a {$400.00} XXXX gift card on XXXX using the credit card. Upon receiving the the mail, it was just a piece of paper with numbers in it. I tried to use it in the store, it was showing {$0.00} balance. I was scam by the seller. I dispute the charge with the credit card company. It came back few months later denied the dispute. I want to appeal the dispute, however they refuse. They said I need to have XXXX to have a statement showing where and how the gift cards were used. XXXX will not give that information out. Only the seller who if he/she have the receipts for the gift card can have that information. I do not have that information as I am the buyer. Bank of America does n't care. They would n't do anything. Bad company! This need to be adjust!

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 2020-04-01
Company: EQUIFAX, INC.
State: IL
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone the authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX XXXX {$1000.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$360.00} XXXX XXXX XXXX {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was approved for a {$200.00} " Platinum Secured '' credit card from Capital One in XX/XX/2021 to improve my credit. My credit has improved to the point where Capital One approved me for a {$3000.00} unsecured card this month. I called to ask about releasing my deposit and was first told Capital One never converts unsecured cards to secured cards. I was then told that they actually do convert them, but customers can't ask for this, Captial One just does it when they feel like it. This appears to be a scheme by Capital one to hold on to the liquid assets of people looking to improve their credit. XXXX also approved a secured card for me, but they have a clear path lined out towards getting your deposit back. Anyone looking to improve their credit should look to another bank than Capital One because they'll hold on to your money for an indeterminate period of time even when your credit does not indicate a level of risk that would necessitate a secured card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have tried to use the Experian online tool for placing or removing security freezes on my Experian credit reporting account seven times. I have yet to have it work correctly even though I have the correct PIN number as noted on the document mailed to me by Experian. 

I have yet to reach a human representative using the official Experian customer service number, XXXX ( XXXX   ) XXXX-XXXX. 

If I call XXXX-XXXX-XXXX-XXXX  and choose Option " XXXX  '', consumer customer service, I do not reach a person. If I choose Option " XXXX '', the business customer service, I do reach a person, but after a minimum 30 minute wait. A further counterintuituve obstacle to reaching a person.

I acquired the XXXX-XXXX-XXXX-XXXX  number after having done extensive research on finding out how to speak to an actual human representative on this matter. Nowhere on the Experian.com site is there any place where XXXX-XXXX-XXXX-XXXX  can be easily found, only the XXXX  ( XXXX  ) XXXX-XXXX  number. 

The Experian online security freeze tool has not changed since it was implemented in 2017. 

This is in sharp contrast to online security freeze tools currently available from XXXX  and XXXX   which work quickly, efficiently, and conveniently for free. 

Experian offers an account upgrade, with an account lockout tool that functions the same way a security freeze does, for a cost of roughly {$5.00} per month. 

This has the net effect of costing me half an hour of my time to lift or place a security freeze on my Experian credit reporting account or pay {$5.00} each month to Experian to have the same convenience that XXXX and XXXX  offer for free.

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 2016-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
Dear Bank Of America I am requested assistance regarding HELOC from XXXX. 
I have been trying to resolve matter for some time now. 
I faxed a request for copies of all withdraws ( checks/wire/other ) and payments ( checks/wire/other ) and or reference to confirm whom completed or received funds. 
to my knowledge I have not received a response Would you also confirm whom is the borrower. 
See transaction history a withdrawals up to XXXX on XXXX/XXXX/XXXX that was not authorized as well as XXXX XXXX/XXXX/XXXX - see all withdrawals It appears I was deceived, mislead regarding HELOC and did not understand and no one will answer questions for clarity. 
I did not agree to HELOC someone/entity withdrawing funds from account without my knowledge or approval.

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 2015-07-17
Company: Financial Freedom Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am being continuously called by a company called, " Financial Freedom Mortgage ''. I have never applied for anything on line, NOR have I asked for help paying bills. When I called them today, the woman was telling me that I HAD TO HAVE FILLED SOMETHING OUT on line. I called back and asked for the manager, and the woman XXXX, who answered the call, said she WAS the manager. I asked her how they got my number, she said I filled something out and supplied it to them. I told her someone must have supplied the wrong number and I told them TO STOP CALLING ME. I am on the " do not call registry '', so they should not be contacting me. Their phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX opened an acct in my name. I had attempted to get XXXX. The equipment was never set up properly. The installer was supposed to come back and pick up their equipment and never did. I discovered the acct was still set up fraudulently with a signed contract THAT WAS NOT SIGNED BY ME!! I then was contacted by one collections agency and they returned it to XXXX because I disputed the acct for fraud. Now a SECOND collection agency has added the acct to collections violating Fair Debt Collections Act. I have written several letters of dispute to all credit bureaus and they refuse to remove the account from my credit.

****This account was FRAUD, IT WAS WRITTEN OFF, and now sent to multiple collection agencies. **** *It was not my name signed to the contract and i was not notified of the 2nd collection agency violating my consumer rights**** *****The creditor is not the original creditor. acct was written off and sold to not 1 but 2 collection agencies. **** ****This account is from almost a year and a half ago and have bypassed their allotted time frame to add this to my credit reports. ***** The original creditor received amounts back on tax returns for losses. they are attempting to triple debt since this is now a 2nd collection agency that has attempted to collect this debt!! IT IS AND HAS BEEN A FRAUD ACCOUNT!! XXXX states I am liable simply because there is my name signed on this alleged contract and refused to investigate after I offered them proof of my signature.

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