BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-18
Company: General Motors Financial Company, Inc.
State: PA
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: Billing dispute for services

Complaint:
Back in XX/XX/2017 I finance the vehicle from GM financial and in XXXX of 2017 I was in a car accident which ended being a total loss they still continue to bill me and they knew this car was a total loss then several months after the insurance paid the vehicle off they reported I had four late payments and it didn't take my insurance that long to pay it off. In addition, I was totally unaware of they continue to bill me. Moveover, four years later GM financial continues to report on late payments though the car is paid off. I contacted and told I was totally unaware of them continuing to bill me though I did not have the vehicle and that it's hurting my credit and they said they can't do anything. This is a malicious act by GM financial the vehicle been paid of for four year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX removed XXXX from my credit report cause I furnished proof, XXXX sent me a letter telling me the stuff I asked for to prove charges they say are mine that this info that is supposedly mine is personal and confidential, If it is referring to me how can that be? I am entitled to be shown proof of these charges. I sent same info to equifax and they finished there investigation within two days, same day I put the info in the mail and have heard nothing, cause evidently they already agreed with XXXX and did n't review my proof. I can mail you the letter I am not good at uploading.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XX/XX/XXXX, my husband XXXX XXXX and I closed his accounts with HSBC. Despite that, we received a statement in XX/XX/XXXX for an amount we own as we accidently charged the HSBC card for a transaction we made. We paid the balance, called and went to a branch ( XXXX, NYC ) to confirm the accounts are not all closed. The banker and the call center representative confirmed all accounts are now closed. 
A YEAR later, XX/XX/XXXX, we received a statement in the mail informing us the card is closed. However, at the same week we received a later showing we have an amount due on the card. When we called the call center we were surprised to find that not only we have an amount due but that the bank has moved our account to COLLECTIONS! Which obviously impacts our credit score! we did NOT receive any notification of this amount  previously or were aware of such charge ( as we were told the card was closed ). 
We called the bank multiple times, each time the representative told us to call a different department ( from general to recovery to collections to disputes ). This is absolutely outrageous! Firstly because we did NOT use the card! Secondly, because even if we did, as the bank confirm the card was closed, the transaction should have been rejected! and THIRDLY, if a charge was made, we should have been informed BEFORE the case went to COLLECTIONS! HSBC has been harassing my husband who is a doctor and a resident at a hospital with a very limited time! they DAMAGED his credit score!! and they have accepted a charge on a CLOSED account!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: LENDER LIVE
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I recently refinanced my FHA mortgage to a conventional mortgage to get rid of the PMI, However when it was time to closing I realized that my FHA mortgage holder was collecting two months of interest and two months of PMI, whoever they were paid in 6 weeks and they did n't give me a refund for the extra 2 weeks paid, perhaps they collected for the month of XXXX and XXXX but they were paid off on XXXX XXXX, I believe they owe my the interest and the PMI charged for the last two weeks of XXXX, I have called but their customer service does n't seem to be too helpful trying to tell me that my refund was already issued, however all they ever sent me was my Escrow account balance not a penny extra.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18
Company: Empowerment Ventures, LLC
State: NY
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
I have a Rushcard and since XXXX XXXX 2015 I have not got access to my funds and it 's saying I have XXXX balance and I do n't even got a card to spend my money, they keep saying they do n't know when it 's gon na work and I have to miss work due to no money my daughter has no pampers and I got a eviction notice as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-29
Company: Advance America, Cash Advance Centers, Inc.
State: SC
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I was making payments on a returned check and working with manager of Advance America. Another employee from a different location verified funds and took my check to the bank and picked up {$630.00} out of my account. I did not owe that amount because I had already paid {$300.00} on my bill. She never admitted to making an error and refunded my money of payments. Money was taken from me when I did not authorize it nor expected this to happen. I did not owe that amount and want an investigation in XXXX, SC. When company takes your money it forces you to write another check to get your money back. I was trying to pay out of debt instead of starting back over. Snatching cashier 's check from someone 's account replaces Company 's money. That is what is cycle of debt where you have to be trapped when your money is gone how you going to pay your other bills or live until you get paid again. This is so unjust that I hope a closer look is taken for customer 's views instead of company paying lobbyists for laws to allow such treatment to people of our USA. The money made from this big company Advance America is a XXXX company. We advertise helping America when they take money from citizens and give to XXXX. How dishonest is this world? Using poor people to pay for other 's wealth is morally wrong. Most people with money have savings to go to in time of need. Poor people use payday loans ca n't afford to leave money and not get it back. There has to be an end to this cycle of debt. Help!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: New Century Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
The company has sent multiple threatening letters indicating various grave consequences and presenting information in misleading ways. A previous letter they sent said failure to address a debt could lead to imprisonment. In their most recent letter, they state that they have no obligation to validate the debt as I requested in a letter to their office. I also informed the debt collector that the debt was most likely already out of the statute of limitations since the original judgement was made in 2004. They responded that debts can be valid for up to twenty years without confirming or denying whether the debt was ( 1 ) valid and ( 2 ) not outside the statute of limitations. They also claimed they have collected nearly 2k in a previous wage execution but I have no record in my bank accounts of any such action or event taking place.

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 2015-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Arrived at XXXX XXXX from XXXX for a 4 day vacation on XXXX XXXX. The following day, XXXX XXXX, went to XXXX and when I attempted to pay with my Capital One Card, it was declined. I immediately called customer service and spoke with FRaud Supervisor XXXX who required I provide him with the place where my social security was issued and my driver 's license number. He informed me he would reactiviate my account. The reason the purchase in XXXX was declined was because I made a purchase in XXXX and now in XXXX. Later that same day another purchase was declined and when I called, I was told my card was compromised and nothing could be done until Monday to reactivate the card even though the questionable attempts to use the card were the only ones documented by me. Even though I informed XXXX and later XXXX that I will be forced to sleep in my car and cancel my vacation without the use of this card, they said nothing can be done until MOnday when management is present.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt is from account from $ XX/XX/2008 an account is old and such no longer owed or valid. This has been requested to be removed many times. I want this removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: SUNTRUST BANKS, INC.
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
At the end of XXXX, I opened a XXXX XXXX checking account with Suntrust -- an account with a {$25000.00} minimum. Two weeks later, after confirming that they received my signature card which validates the account, I attempted to use the mobile checking app to deposit XXXX checks of {$1000.00} each for a total of {$3000.00}. These checks were my own checks from a different bank. Essentially, I wrote XXXX checks to myself from Bank XXXX in order to transfer the money to my SunTrust account. 
Two days after this, when I tried logging into my SunTrust account to make sure that the checks had cleared, I was denied access to my account. I waited a few more days and upon realizing that I was still unable to access my account, I called SunTrust to resolve this problem. I was informed that the account was placed on hold because it may have violated a SunTrust regulation and instructed to wait for a letter in the mail. 
I finally received this letter to which the representative on the phone was referring on XXXX XXXX. The reason for the hold was as follows : " Reason XXXX XXXX : Deposit exceeds client 's average balance. '' This explanation is completely illogical. Naturally, any new account will run into this problem! My average balance was less than {$100.00} -- the initial deposit I made with the bank representative when opening the account. I had tried to deposit {$3000.00}, a normal amount of money to begin using the account and SunTrust responds by putting my account on hold. It does not even make sense for such a modest sum of money to even be flagged considering that the account MINIMUM was {$25000.00}. The amount I deposited was barely a fraction of that. 

When I received this letter, I still held out hope that once the checks cleared then SunTrust would be reassured that everything is normal and they would lift the hold. NOT THE CASE. I received a letter on XXXX XXXX that SunTrust decided to close the account. 
On XXXX XXXX, I received another letter that clarified that SunTrust reserves the right to close any account for any reason and without disclosing the reason. 
To make matters worse, I only received a check for {$90.00}. I checked with Bank XXXX and they confirmed that the {$3000.00} in checks had cleared. I called SunTrust and they said they will not return the {$3000.00} until XXXX. I am outraged that I am being taken advantage of in this manner. Not only are they wrongfully closing my account, they are holding my money for over three months for no reason. 

Please help me to resolve this issue. I am very diligent with my finances and trust that you will be able to help my make this situation right. 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 non-monetary relief
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This money lion account XXXX please provide sign documents with my signature on this account or delete this account from my report.

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 2017-10-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I received a Home Depot credit card statement for my card at XXXX XXXX this morning, Thursday XXXX  XXXX,2017 informing me of an interest charge of {$240.00} on a balance of {$690.00}. 
The company handling the card for Home depot is XXXX XXXX XXXX XXXX, a Federally regulated institution. The only address they gave me is XXXX. XXXX XXXX - XXXX - TN XXXX. 
I offered to pay the {$690.00} right away but they refused, arguing I had benefited from a previous forgiveness of interests in similar circumstances. 
I argued that they should have given me earlier notice and they said I had received their regular statements. They stated that their interest amounts to $ 25.99 % but of course {$240.00} for {$690.00} balance is way more than that. It is a trick to charge usury interests and this is why I file this complaint. 
I am asking that they forget the {$240.00} if I pay the balance right away and be timely advised of their agreement.

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 2015-09-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The balance has been paid in full since XXXX XXXX. The collection agency, which I assume is out of business. Called the XXXX XXXX and keep getting run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Missing Funds. Funds that were requested to be transferred were lost by Capital One 360 Bank ( routing number:XXXX ) I initiated an online transfer of funds from Capital One 360 Bank ( from the XXXX Bank XXXX ) to XXXX Bank XXXX XXXX XXXX, 2016. On XXXX XXXX, 2016, the XXXX Bank online transfer details indicated that the complete date of this transfer was XXXX XXXX. Also on XXXX XXXX, Capital One 360 Bank records indicated that the requested amount was withdrawn by XXXX Bank. On the weekend of XXXX XXXX or XXXX, I closed the Capital One 360 Account believing the XXXX Bank statement that they received the Capital One 360 funds. On XXXX XXXX, XXXX Bank Online History indicated a reverse ACH deposit from Capital One 360 Bank. Also, on XXXX XXXX, XXXX., I received an email from Capital One 360 Bank stating that Capital One 360 was unable to complete the transfer request from XXXX Bank ( " Your withdrawal was n't processed Dear XXXX We were unable to complete the request from XXXX Bank to withdraw money ''. ). 

According to conference calls among Capital One 360, XXXX Bank and myself on XXXX XXXX and XXXX XXXX, 2016, Capital One 360 stated that they rejected the returned funds from XXXX Bank and resent the funds to XXXX Bank. ( Trace number is XXXX sent on XXXX XXXX XXXX, XXXX XXXX. ) XXXX Bank reported again on XXXX XXXX, that the aforementioned trace number indicates merely that the Capital One 360 account was closed and no money transfer was associated with this trace number. 

The funds have not been shown to be in both Capital One 360 Bank and XXXX Bank since XXXX XXXX, 2016. 

We are imploring this agency to push Capital One 360 and XXXX Bank to retrieve our funds and deposit them since our numerous conference calls beginning on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX to XXXX Bank and Capital One Bank have not yielded any meaningful results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
ON XXXX/XXXX/16 I WAS MADE AWARE THAT I HAD A JUDGMENT FROM CAPITAL ONE BANK ON MY CREDIT FOR {$6900.00}. I HAVE NEVER OWNED A CREDIT CARD FROM THEM UNTILL XXXX/XXXX/16 WITH A CREDIT LINE OF {$300.00}. I FILLED A POLICE REPORT FOR IDENTITY THEFT AND FRAUD. I ALSO PLACED A DISPUTE WITH XXXX OVER A MONTH AGO. I HAVE CONTACTED CAPITAL ONE MUTIPLE TIME TO GET HELP AND ANSWERS. CAPITAL ONE REFUSES TO HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capital One has repeatedly taken money out of my account without permission. They did this before with {$1000.00} and claimed the did n't know what happened. This time they tried to take two small amounts out of my account. Something suspicious is going on. Now I 'm charged overdraft fees. 
ACH trace # XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Between XXXX XXXX and XX/XX/2016, Capital One bank paid out twice on XXXX different checks written off my account. I discovered and reported the first problem when I got my XX/XX/XXXX bank statement and again in XX/XX/XXXX when that statement showed a second problem. I went back again in XX/XX/XXXX and again in XX/XX/XXXX, disputing the duplicate transactions. Capital One had paid out when the XXXX checks were scanned electronically, and then again when the exact same checks were presented as physical checks in later deposits. On XXXX XXXX, I found out that XXXX set of each payment never reached the payee account it was supposed to go to. On XXXX XXXX, Capital One 's final decision on my claims was that they were denying it because the checks had valid account holder signatures. I would like the appropriate Federal regulatory agency to investigate why the bank 's software allowed these duplicate transactions to occur, and force them to change their software and procedures to prevent it happening again. In the meantime, I am moving my funds to another bank, and have initiated a criminal complaint against the payee on the checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In XXXX the Pennsylvania Higher Education Assistance Agency notified me about recertifying for the income-driven repayment plan. I completed the form and mailed it, along with supporting documents, on XXXX XXXX. I called in early XXXX to check on the status, and was told I needed to fax it which I did on XXXX XXXX. In XXXX I began receiving late notices and on XXXX XXXX at XXXX XXXX. I spoke with XXXX who said to disregard the notices. On XXXX XXXX at XXXX XXXX I spoke with XXXX who asked me to refax the forms and documents, which I did. Then, on XXXX XXXX, XXXX told me to not make a payment until I received an invoice for {$5.00} ( which I have yet to receive ). Meanwhile, I continued to receive late notices. On XXXX XXXX at XXXX XXXX. XXXX said there was some mix-up, put my account on administrative forebearance, and said she would resolve it. On XXXX XXXX I spoke with XXXX who told me to ignore the enormous interest bill and just wait for the invoice for {$5.00}. She said sometimes they take a while to get processed. However, on XXXX XXXX my bank account was debited for {$4300.00}, after many representatives said just to wait for them to correct it. I spoke with XXXX at XXXX XXXX. XXXX XXXX, who told me to resend the request for the {$5.00} payment. And once again my account was placed on administrative forebearance. Meanwhile the interest charges are skyrocketing and this mess is still unresolved. I have once again been placed on forebearance. All I ever requested was a reduced payment due to a change in circumstances. It does not seem like it should take almost a year to process this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Refinancing with Capital One Bank : In what was I thought was the final process Capital One requested I submit credit card information to obtain a {$200.00} non-refundable fee for what they call a XXXX Me Waiver. This waiver is suppose to be relevant to the XX/XX/XXXX-XX/XX/XXXX financials of the XXXX where I reside. This request from my understanding was from their Co-Op review board. I do understand that Co-Op property is handled differently than other properties, BUT, to have me submit a non -refundable fee and then being told that was no guarantee the loan would be approved after paying other fees such as {$170.00} for the management to complete a questionnaire, {$270.00} for lawyers to sign a Recognition and {$20.00} for the XXXX Amendment was very disturbing. Credit cost. I understand that. Contacted XXXX and they had no idea what I was speaking of ; XXXX of their representatives did extensive research and we spoke close to an hour ... end result, they never heard of such a waiver and felt that someone was trying to take advantage.

Company response to consumer: Closed with explanation