BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-18
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: Public record information inaccurate

Complaint:
This complaint involves   XXXX   XXXX   XXXX   on  XXXX , Partial account number   XXXX   Date opened :  XX/XX/XXXX Type : Auto Lease. Status ; Discharged thru bankruptcy Chapter  XXXX  Account history Debt included in Chapter  XXXX  Bankruptcy on  XX/XX/XXXX 
This information is inaccurate.
This leased vehicle was kept in my possession until i purchased it and financed it with   XXXX   XXXX   XXXX   XXXX   in  XXXX .. This account is also on my credit report as ;   XXXX   XXXX   XXXX   XXXX  , Phone number  XXXX  partial account number ;  XXXX , date opened XX/XX/XXXX . I just recently traded in the vehicle in  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
This complaint involves   XXXX   XXXX   XXXX   on  XXXX , Partial account number   XXXX   Date opened :  XX/XX/XXXX  Type : Auto Lease. Status ; Discharged thru bankruptcy Chapter  XXXX  Account history Debt included in Chapter  XXXX  Bankruptcy on  XX/XX/XXXX .
This information is inaccurate.
This leased vehicle was kept in my possession until i purchased it and financed it with   XXXX   XXXX   XXXX   XXXX   in  XXXX .. This account is also on my credit report as ;   XXXX   XXXX   XXXX   XXXX  , Phone number   XXXX   partial account number ;  XXXX , date opened XX/XX/XXXX . I just recently traded in the vehicle in  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 2015-05-29
Company: HANCOCK WHITNEY BANK
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am XXXX of those people who opted out of overdraft protection because I did n't think we would need it with a household account and a personal account for myself. Then when I started paying bills all was well with the world then I started getting an overdraft notice because on their online site there is a button to click to use the household account or the personal. Several times now money is in the account and I click on the button but it charges me overdraft and pulls from the personal. 
This time I paid homeowners and car insurance and they hit me with XXXX ODs in my personal account and I have money in the household. Transfer the money and I am still overdrawn by {$66.00}. Is this their way of making money. I went into the branch the XXXX time, the assist manager said if I just wanted to spend money that I did n't have this would happen. I do n't spend money I do n't have because I do n't make enough money as it is. I am very careful, but this is out of hand. I am going to close both accounts and go somewhere else. I do n't believe it, that they could n't see where the money was, they just wanted the od protection fees. Keeping money in the Household acct and less in the personal, The acct numbers are only XXXX digits different

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Citicards refuses to delete unverified and inaccurate information on my credit report. I have disputed this account information as inaccurate with them several times, and they have come back to me and stated they were able to verify this debt. How is this possible?
Here is a clear case of unverified debt, and I urge you to remove this item before I am forced to take legal action.
Credit card companies are scammers targeting elders like myself that they perceive to be vulnerable -- those that are isolated, lonely, physically or mentally disabled, unfamiliar with handling their own finances.
Exploiting deceptive financial practices designed to confuse and pressure seniors in order to hustle them out of money.
FCRA requires that all creditors are supposed to validate information before this information is added to your credit file.
The truth of the matter is the credit companies dont review any documents let alone keep a copy of your credit application in their files.
Citicards never provided me with any documents validating this account.
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.

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 2017-07-18
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Names and addresses that are not mine and or 1stincorrect on Experian are as follows ; Names ;   XXXX   XXXX  - Never used this name ID #  XXXX    XXXX   XXXX  - Never used this name ID #   XXXX    Addresses ; *  XXXX   XXXX   XXXX    XXXX  Ca   XXXX   Multi family ID #  XXXX  *  XXXX   XXXX   XXXX     XXXX   Single family ID #   XXXX    *  XXXX   XXXX   XXXX   XXXX    XXXX  Ca  XXXX  Multi family ID #  XXXX  *  XXXX   XXXX   XXXX    XXXX  Il   XXXX   XXXX   Single family ID #   XXXX   1  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX  Il .  XXXX  single family ID #  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Enclosed are detailed transactions from my bank statements and credit card accounts for my Infiniti Financial Services account for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Infiniti Financial Services " rolled my payments '' and reported all of these months late. Payments were made within 30 days. Therefore, my credit report should not be reporting late or delinquent for any of the months. Please see attached and update immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I missed one payment  XX/XX/XXXX . Then another in  XX/XX/XXXX . In XX/XX/XXXX  I applied for a loan modification after receipt of a " Notice of Intent to Accelerate '' from Selene Financial. Selene claimed to have not received this packet initially, so again in XX/XX/XXXX I resubmitted all documentation via e-mail and US Mail as instructed by the Mortgage Company. Each time I called, I was told some document was missing. They did this until all documents were stale dated. Once again, in  XX/XX/XXXX I resubmitted. This started a vicious cycle I was to familiar with from the last 2 applications. In  XX/XX/XXXX  Selene refused my payment. I sent it back to them. They returned the payment once again, thus making it look as though I did not pay. I contacted the Law Offices of   XXXX   XXXX   and hired the firm  XX/XX/XXXX . I had prepared a new loan modification packet ( # 4! ) to which my attorney submitted, under his firm 's name, and by golly this was approved! I started paying again in  XX/XX/XXXX , continually, in fact I am a month ahead on my account.
On  XX/XX/XXXX , my mother signed for a registered mail from Selene ( even though I am still represented technically ) which happened to be another Notice of Intent to Accelerate! I promptly called Selene, and was informed they can not speak to me because I am represented. I asked to speak to a supervisor and was switched to   XXXX   XXXX  , supervisor of the loan resolution department. He was not only unhelpful, he was RUDE.
I have spent {$3000.00} on my attorney to submit a packet I had done 4 different times. I have paid my mortgage on time, except for 2 times, XX/XX/XXXX  and  XX/XX/XXXX . This company is reprehensible! I consider this harassment at this point.
I wo n't even get into the credit damage this has caused!
What can I do about this? How do I stop this from happening non-stop for the next 30 years?!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX got a a fleet farm card to his address with his name on it with my numbers on it maxed out my account i contacted local sheriff department they come we notified synchrony bank on 3 way call then he took over i just found out nothing happened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX then i found out he got all our stimulus checks after our account was closed by using cash app XXXX its on my bank statement i just found

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 2016-11-22
Company: Ashton & Weinberg, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
The collection agency has contacted my place of employment several times pretending to represent a law firm. Due to the perceived urgency of the call, the front desk secretary transferred the calls and gave the agency my direct extension. I have verbally asked them not to contact me at my place of employment 3 times, however, they continue to call. I also sent a letter requesting the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The loan servicer has made repeated mistakes on my mortgage loan which it refuses to correct or investigate, issued notices of default for amounts that more than what I own, eventually denied my loan modification application and continued foreclosure my property. The servicer continues to charge me late fees every month. The servicer is not respond to the Requests for Information. I am being denied an opportunity to save my home and avoid foreclosure through the Loan Modification program. The servicer denied my loan modification is not based on my income or ability to pay with a balance that I do not agree with because it includes fees and charges I have tried to dispute and be faced with foreclosure against me and I may loss of my home. I 've been submitted loan modification many times and Ocwen continued to denied it, am not able to compute mathematically, and whose balance includes fees and charges I am not being allowed to dispute or have explained to me by the servicer. The servicer is subject to an existing Settlement Agreement with my state 's Attorney General, and my loan is eligible for coverage under that order, but the servicer denied my loan modification is not based on my income or ability to pay and be faced with foreclosure judgment and I may loss of my home.

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 2017-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On  XXXX / XXXX /2017 I did a wire transfer of   XXXX    XXXX  from my account at Bank of America, to my family account in   XXXX   at   XXXX   XXXX   XXXX  . Attached wire transfer confirmation.
The money never reached the destination account.
Attached recipient 's account statements for  XXXX /  XXXX   and  XXXX  2017.
When I asked Bank of America about this issue, they told me the money was sent to an intermediate bank in  XXXX  (   XXXX   XXXX   ) and they do n't know what happens after that.
I 'd like to have someone investigate/solve this issue.
Thank you.

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 2015-05-27
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
i am a plaintiff in a pending lawsuit the basis is fdcpa, fcra against Usbank Na alleged creditor and XXXX as servicer for the alleged loan. defendants are making a threat to take an action which they can not legaly take. 
On XXXX XXXX, XXXX. I was given the opportunity to observe the collateral file provided by US BANK NA alleged creditor location of XXXX office by a secretary who allowed me to observe the documents for appoximatley XXXX mins and gave me a black and white copy. 
Plaintiff now witnessed the Collateral file that was now altered in its original form. Plaintiff has now discovered a transfer of the DOT from XXXX XXXX XXXX XXXX transferring all benefical interest to : XXXX XXXX XXXX XXXX, as Trustee executed on XXXX/XXXX/XXXX witnessed by notary XXXX XXXX. 
Us bank Na has recently sent the Original documents to XXXX XXXX XXXX who in turn destroyed the Orignal allonge by writing void across it and has now stamped a new endorsement on the note. 
on XXXX/XXXX/XXXX XXXX XXXX tansferred the same instrument it had previosly transferred to XXXX to a trust dated back in XXXX. XXXX XXXX XXXX has sold the note to XXXX and allegedly to US bank who has yet to produce and authentic endorsement. a true and correct copy of the XXXX. to XXXX XXXX and a recent voided allonge is included as an exhbit along with a corrective assignment that has has not been recorded. I allege that this is morgage fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: U.S. BANCORP
State: WI
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Account opening, closing, or management

Complaint:
I have a payroll check drawn from US Bank. I am not a customer of US Bank and they charge me {$7.00} to cash my check. Is this legal?

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 2017-07-18
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of   XXXX   2014,   XXXX    2014 30 days past due as of  XXXX  2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to do my free credit report on   XXXX   and some of their questions do NOT pertain to me and because I could n't give them a correct answer, I was denied my credit report. I paid off   XXXX    major bills and then they lowered my credit score and this is NOT right!! Experian is NOT doing their job and they are lowering my ability to obtain a loan even though I do not have ANY high balances ( except my mortgage ) on all my accounts.

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 2022-04-16
Company: EQUIFAX, INC.
State: NC
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 did not consent to, or authorize nor benefit from any of the following inquiries and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have applied for XXXX loan forgiveness numerous times, and was given unclear reasons for denial. Now, the most recent re-submitted application is past the 60-day review window and still has not been reviewed or forwarded to the DOE. I was told when I called in XXXX that the application would be forwarded by XXXX I was told on XXXX that it had not even been reviewed yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Company: FIRST NATIONAL BANK OF OMAHA
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
in XXXX of 2015 I received a phone saying I was behind in my XXXX air credit card payments. this was very shocking to me since I have been on auto pay for years and have never had a problem. 
the representative said they were from first bankcard of Omaha. I was also told that they bought my account from XXXX bank. through conversation I found out that when they made the purchase they did NOT transfer any of the auto pay data and that I was 3 months behind and had to make a {$2200.00} payment immediately. of course I freaked out!!! I was never informed of any of this. I do n't read the bill, that 's why I 'm on auto pay. I paid the bill, and worked with the service person on restoring my auto pay feature sto avoid this in the future. 
XXXX 2015 this repeated again with a threat to sue me for the money that I thought was being paid. 
I told them about the XXXX problem, they said nothing was done. I complained that they were acting irresponsibly and this was a trick of some type and told them I would have my attorney contact them. They would n't even talk to them. 
now they hired attorneys to sue me for a problem they created by being incompetent. I 'm not arguing about the money owed. I 'm complaining about the lack of responsibility of there actions that are now causing me damage for no real reason, other that poor banking practices. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was over drafted  XXXX  dollars, the morning for unknown transactions. I had used   XXXX   XXXX   the day before to put some money into my account because I just got back from vacation and I do n't get paid until early Friday mornin g pnc  has jacked me around for a long time now with the pending transactions I need this app to work so I can have a stable balance in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: HUNTINGTON NATIONAL BANK, THE
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On  XXXX / XXXX /17 Huntington National Bank involuntarily offset my account in the amount of {$550.00}. The problem I have with this is I spoke with a member of the Huntington National Bank customer service the week prior regarding the debt they took my money to pay. A phone call the representative I spoke with on  XXXX / XXXX /17 verified through their records. A customer service representative was supposed to contact me between  XXXX / XXXX /17 &  XXXX / XXXX /17 to set up a payment arrangement for this debt. Instead of calling me back to set up this payment arrangement, they decided to clear out my bank account instead without my knowledge. This left me with a {$0.00} balance, checks out for bills I had paid, and stuck in another state with no way home. As a courtesy, they refunded {$100.00} because I called them extremely upset that I was stuck somewhere else with my daughter and was unable to get home because they took every penny I had. I contacted them on two separate occasions after this explaining the situation and how I spoke with someone regarding setting up payments. They would not work with me at all. I went into a local branch and spoke with them about the situation and the man was very rude, stating the bank is not going to refund my money just because I ca n't manage my finances. I received a letter stating they had done this because they had contacted me by mail several times regarding the account that needed paid, but that letter was the first one I ever received from the bank. They also informed me they would refund a return check fee due to a check being returned because they took all my money. When I called back to get this refund, they had no intention of refunding it until I stated I was filing a complaint with the CFPB. I have been banking with this bank for several years and was very disappointed by the way this was handled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-01
Company: Paypal Holdings, Inc
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I submitted a claim on my purchase because it was seized due to the seller selling counterfeit items. I called and sent information to PayPal since its covered under the buyers protection program but they closed my case based on false information when the previous transaction was filed in my favor. They dont listen and provided incongruent information. They lied on my case. Based on this I believe they are a company no one should use. I will no longer be using them for any transactions for items I buy in the future. This has caused so much stress I ended up in the hospital.

Company response to consumer: Closed with monetary relief