BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-23
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In  XXXX  of   XXXX  , Hunting Bank repeatedly presented me, upon log-in to their website to check the status of my checking and savings accounts with them, with an advertisement offering a {$100.00} bonus added into an existing savings account upon the deposit of {$5000.00} or more in new funds into the account. I have a screenshot of the offer. I am/was abroad, and thus not able to comply with the stipulation to " visit a local branch '', but I called an spoke to a customer service representative ( call initiated at    XXXX   XXXX     XXXX   XXXX   XXXX  on  XXXX   XXXX ,   XXXX   ) who assured me that this would not be a problem. The funds were directly deposited into my Huntington checking account by my employer on the  XXXX  of  XXXX   XXXX  prior to the deadline of  XXXX   XXXX  stipulated in the offer ) and I promptly transferred {$7700.00} into my existing Huntington  XXXX   XXXX  Account. In speaking with the customer service representative - identified as  XXXX  - he assured me that this would be acceptable and would not render me ineligible for the offer. When I pressed him for some proof of this assurance, he informed me that the call was being recorded.     The offer stipulated that the deposit of the {$100.00} into my savings account was to take place within 14 days. I called Huntington Bank regarding the non-payment of the money on  XXXX   XXXX ,   XXXX  , and was told because the money had been deposited first to my checking and then transferred to my savings ( within a matter of hours  XXXX , I was not eligible to receive the bonus. In a world of digital banking, this is an absurdity of hair-splitting - the end result to the bank is precisely and exactly the same. The fact that  Huntington  Bank 's customer service representative had assured me that this would not be an issue, inducing me to transfer the money to my savings account in the belief that I would receive the offered bonus, further leads me to feel that I have not been dealt with in good faith and have in fact been deceived. The bank has received over {$5000.00} of money into my savings account not formerly deposited with Huntington Bank, in timely fashion ; I have not received my bonus. I would warn consumers against having any dealings whatsoever with Huntington Bank, as their dishonesty in this matter strikes me as blatant, inexcusable, and petty ; I 've been given the run-around over the merest of technicalities -  XXXX  of no practical importance to the bank whatsoever - in order to save them {$100.00}, after repeated assurances on the part of an employee of theirs that I qualified, would receive the bonus, etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
i ahve yet to have the capital one issues resolved appropriately p XXXX lease have someone from viriginia contact me not someone else who does NOT address what i am asking to be addressed. various issues remain unresolved re credit and a business checking acct i can not use my accounts til addressed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: EQUIFAX, INC.
State: MI
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- REAL ESTATE LOAN 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I would like Scottrade to fully and responsively address my other complaints instead of providing generic responses that allegedly relate to the XXXX XXXX, 2013, letter. Indeed, a number of the concerns I raised are wholly new issues and not addressed in the XXXX XXXX, 2013 letter, thus Scottrade 's boilerplate use of previous correspondence for materially new disputes is inappropriate.

Company response to consumer: Closed
Consumer complaint received 2015-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I am the Payee Upon Death on my aunt 's account. I called Capital One Bank for the procedure to have funds disbursed. I was told to go into the branch to retrieve funds. I explained that I live in XXXX and was told that I had to send her original death certificate and a Letter of Instruction to the branch where the account was opened, which I was told was the branch located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I sent the requested documents via Priority Mail on XXXX/XXXX/XX/XX/2015 to that location. Since I was told that the funds should be disbursed about a week after the bank received the documents, I called the XXXX XXXX branch on XXXX/XXXX/XX/XX/2015 to verify if the documents were received, and when would the funds be disbursed. I was told that the XXXX XXXX branch was not the origination branch, and the origination branch was located at XXXX XXXX XXXX, XXXX, XXXX and that the XXXX XXXX branch had forwarded the documents to the XXXX branch. I asked when and was told that they just sent the documents, and did not make a record of when the documents were sent. I then called the XXXX branch to see if they had received the documents and was told they had not received the package. It appears that my original documents are nowhere to be found, and no one has a record of receiving my documents. I took me about XXXX weeks just to get the procedure, and now it is taking extra time to try to figure out what happened. What I am requesting is that the funds, which are mine, are disbursed to me. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I purchased XXXX items from Kohl 's using Kohl 's Charge Card online ( order # XXXX XXXX. I refused delivery with the carrier and the items were returned to Kohl 's. Kohl 's has refunded XXXX item but refuses to refund the other item and Kohl 's Charge refuses to reverse the charge. I never got possession of the item so expect the charges to be reversed. There were purchased together and shipped under the same tracking number and where refused delivery at the same time. So I am puzzled why Kohl 's have decided to reverse the charge for XXXX but not the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Credit Karma, LLC
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Credit Karma said that I was pre-approved for a credit card, which, after I applied, was denied as I didn't qualify. The resulting hard check on my credit history hurt my score, and of course, the application process wasted my time, as I was not in truth pre-approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: CA
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:
Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  was violated my rights. 15 usc 1681 section 602a states I have the right to privacy. 15 usc 1681 section 602a section 2 it also states a consumer reporting agency can not furnish a account without my written permission

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 2020-03-30
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$40000.00}, {$120000.00}, {$320.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNTS -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$40000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$120000.00} -This is not my account. 


-- XXXX ACCOUNT -- 4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my 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 2017-05-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The XXXX County Domestic Relations Section in XXXX Pennsylvania has been reporting alimony pendente lite ( hereafter APL ) to all three credit reporting agencies as " Child Support '' and placed for collection and XXXX County Domestic Relations as a creditor. In the Experian and XXXX XXXX they have it listed as a " Individual Loan '' and still listed as a Child Support loan. Not only is this a violation of the FCRA for reporting it as Child Support When in fact i am not and have not been late on Child Support payments. In fact I am over paid and have a balance they state issues me a credit every month for over paying. The Domestic Relations Department stated to me in several emails and verbally on the phone that They know its being reported incorrectly but they have no other way of handling this and do it for thousands of others. Upon making many attempts to get it correctly through XXXX County in writing and directly through the Credit Reporting Agencies, I was always told it wont change. I filed a law suit after 9 months of failed attempts and losing several credit cards and a home loan due to the misrepresenting on my credit report. The same day as filing the law suit, XXXX County Sent an email accepting fault and said they will fix the credit report for me. They have fixed it, but not prior to causing me enormous financial harm and damage to my reputation with creditors and with those within our community and business relationships with my banks. I am still proceeding through the courts with this suit, but I am writing you as I am concerned that this is happening to many others with in our community and possibly state.

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 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The  XXXX   XXXX  Domestic Relations Section in  XXXX  Pennsylvania has been reporting alimony pende nte lite (  hereafter APL ) to all   XXXX   credit reporting agencies as " Child Support '' and placed for collection and  XXXX   XXXX  Domestic Relations as a creditor. In the  XXXX  an d Trans Union  they have it listed as a " Individual Loan '' and still listed as a Child Support loan. Not only is this a violation of the FCRA for reporting it as Child Support When in fact i am not and have not been late on Child Support payments. In fact I am over paid and have a balance they state issues me a credit every month for over p  aying.
The Domestic Relations Department stated to me in several emails and verbally on the phone that They know its being reported incorrectly but they have no other way of handling this and do it for thousands of others.       Upon making many attempts to get it correctly through  XXXX   XXXX  in writing and directly through the  Credit Reporting A gencies, I was always told it wont change.     I filed a law suit after 9 months of failed attempts and losing several credit cards and a home loan due to the misrepresenting on my credit report. The same day as filing the law suit,  XXXX   XXXX   Sent an email accepting fault and said they will fix the credit report for me. They have fixed it, but not prior to causing me enormous financial harm and damage to my reputation with creditors and with   those within our community and business relationships with my banks.     I am still proceeding through the courts with this suit, but I am writing you as I am concerned that this is happening to many others with in our community and possibly state.

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 2018-10-02
Company: Paypal Holdings, Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Pay pal and XXXX held funds without my authorization, in doing so they have caused me Financial Deformation. It is now XX/XX/2018 and my funds have been held for a week and I have to ship .XXXX XXXX XXXX XXXX to the buyer but I am unable because my funds are being held without my authorization. Spoke with XXXX representative, XXXX had see refused to release my funds after she verified, delivery of product. 

Paypal payment address is XXXX XXXX - XXXX XXXX XXXX ( XXXX ) XXXX HOLD Payment Received XX/XX/2018 XXXX - XXXX XXXX XXXX ( XXXX ) XXXX HOLD Payment Received Loading transaction details for XXXX - XXXX XXXX XXXX ( XXXX ) XXXX HOLD Payment Received + {$75.00} Print shipping label Add tracking info Contact XXXX XXXX - XXXX XXXX ( XXXX ) XXXX HOLD Payment Received XX/XX/2018 XXXX - XXXX XXXX ( XXXX ) XXXX HOLD Payment Received Loading transaction details for XXXX - XXXX XXXX ( XXXX ) XXXX HOLD Payment Received + {$86.00} Track Shipment Contact XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My first payment was XX/XX/XXXX and sent it XX/XX/XXXX and then XXXX of the month automatically $ XXXX and $ XXXX regular payment and $ XXXX to the principal but the interest is increasing every month and does not decrease I communicate and do not give me a credible reason and still left over 45 minutes waiting on the phone after they hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
USAA COLLECTS ON ID THEFT. USAA does not follow FTC Guidelines on web consumer information ftc. gov Report ID Theft. 
Credit Cards ID THEFT INCLUDE : 1 ) Unauthorized Charges USAA is well aware of Unauthorized Charges XX/XX/XXXX. XXXX XXXX XX/XX/XXXX USAA FRAUD CLAIM DATE XX/XX/XXXX {$470.00} UNAUTHORIZED. 
2 ) Charges for goods & services you did not accept or that were not delivered into your hands as agreed.USAA DENIED MY REQUEST TO PROVIDE WRITTEN DOCUMENTATION PURCHASES MADE BY ME ie IP address AND ACCEPTED DELIVERY signature post office or delivered into my hands ( see attatched Criminal Investigation letter of XX/XX/XXXX USPS NOT DELIVERED BEGINNING XX/XX/XXXX ) Furthermore FTC is very clear if creditor is 15 days too late OR TAKES MORE THAN TWO BILLING CYCLES TO RESOLVE DISPUTE. XXXX SEE ALL UNRESOLVED FRAUD BELOW ** Kindly Note attatched FRAUD LETTER CLAIM DATE XX/XX/XXXX TOOK UNTIL XX/XX/XXXX. Ten 10 months TO COMPLETE THE FRAUD INVESTIGATION OF XX/XX/XXXX. Kindly Note attatched XX/XX/XXXX statement THERE ARE NO USAA CREDITS. Futhermore see attatched. NUMEROUS UNRESOLVED FRAUDS USAA FAILS TO RESOLVE. ( see attatched XXXX   Dispute USAA has Certified to XXXX that the information is Accurate. THIS IS FALSE CREDIT REPORTING AND ILLEGAL. THIS HAS NEVER BEEN RESOLVED TWO YEARS LATER!!!???!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
My mastercard from citicards was hacked around the end of XXXX. I am travelling overseas and requested a new card to be sent to me. Citicards sent a new card but forgot to add the street number. I gave them the complete address again but instead of delivery the card it was returned to the sender. Then I requested a new card to be sent to the same address overseas however they sent the card to my address is XXXX, Florida. 
When I found out requested them to send another card to my address in XXXX. I explained that due to the pandemic of the coronavirus I don't know when I will be able to return to USA. Citicards sent this third card by regular US Mail rather then sending via XXXX as they had told. It will take months before I receive this card. 
So now I have been trying to get another card sent but the phone numbers I have been calling say to call a later time or simply hangs up. 
I am very disappointed with citicards customer service.

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 2017-01-20
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card
Issue: Billing statement

Complaint:
I received my credit card bill with a non cash advanced interest charge. I contacted the card company at XXXX on XX/XX/XXXX and spoke to XXXX. She stated the system was down and could not help me and to try after lunch. I called back at XXXX CST The system was still down. 
I called back today XX/XX/XXXX at XXXX the automated system said the system was down. I searched to find a non XXXX # I called XXXX and got a live person, XXXX. 
XXXX stated that the system was down being updated. 
I told him I was skeptical and wanted to close my account if I could not get an answer. He stated to call back around XXXX EST. I wanted to close my accounts but could not because of some technical issue on their end, is n't that illegal? I am accruing interest charges and can not stop it, and they can not tell me why they are charging me interest ( I pay in full ) so I do n't have any recourse. I want them to be investigated, I think they may have been hacked and are keeping it a secret.

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