BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-23
Company: HUNTINGTON NATIONAL BANK, THE
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX XXXX ( now a part of Huntington bank ) is still contacting me as of XX/XX/XXXX. The balance was paid in full on XX/XX/XXXX. The transaction posted to my account on the following business day ( Please refer to the XXXX XXXX XXXX  statement attached ). I 've also written several stamped letters and sent three certified documents. XXXX XXXX ( Now part of Huntington National Bank ) continued to call me to collect a debt even after I submitted proof of payment on numerous occasions. XXXX XXXX took it a step further and closed/charged off the account/reported me to the Credit Reporting Agencies and continued to call me even after the payment was received which is against The Federal Trade Commission ( FTC ), Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect a debt. 

One small transaction shouldnt lead to multiple {$35.00} fees. The original transaction was only XXXX and there was money in the account at the time of purchase. I was never alerted about the overdraft charges and the account continued to show a positive balance for weeks. XXXX XXXX deceptively waited to draft the money from my account at a later date which resulted in overdraft fees. 

We had completely forgotten about the XXXX because we rarely used the account. I had spoken with several individuals at the branch and over the phone to make a payment before XXXX XXXX illegally closed/charged off my account. By law, If I send you a letter stating that I dont owe any or all of the money, or asking for verification of the debt, you must stop contacting me. I 've sent numerous letters within 30 days after receiving each notice and the original receipt of payment to each department but XXXX XXXX ( Now part of Huntington National Bank ) continues to call/write me about an a debt that does n't exist )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-06
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have had to call Mohela Monthly in order for them to pull my loan payments. They have either not pulled the loan or have attempted to overcharge me. I have spoken to the supervisors several times with no resolution of the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I called Hospital to set payments on my account, the lady said unless I come up with {$1000.00} up front she couldn't set up my payments. Well I do not have that money but I started to make payments on my account monthly anyway. Even then Hospital sent me to collections with not advice or anything. 
Please help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A company named Enhanced Recovery Corp has file a collection notice on my report. I have attempted to speak to one of their employees but they do not respond. I have not received any notification from these folks. The debt they say I owe is {$84.00}. I do not know what that is about. Enhanced Recovery Corp. XXXX XXXX XXXX XXXX, Florida XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information are still found on my Credit Reports which I believe it has been taken care of by Transunion Credit Bureau due to the written appeals I sent last XX/XX/XXXX. Thus, Transunion Credit Bureau has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of inaccurate information are not authorized. Here are the concerned inquiries : XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX-Date XXXX inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/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 2022-01-26
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a car from XXXX XX/XX/XXXX. The car had MULTIPLE PROBLEMS. I was finally able to trade it off XXXX XX/XX/XXXX. The car was financed through ALLY Financial. An extended warranty was negotiated with XXXX that was incuded in the sum to be financed. Because I traded the car off before it was paid off, the dealership, XXXX XXXX, in XXXX WI paid the XXXX XXXX XXXX ( subject vehicle ). I have a conformation email from ALLY Financial that the vehicle was paid off and they released the lean from the title. I called XXXX and cancelled the extended warranty and I was told that ALLY Financial had to mail the refund in the amount of {$840.00} back to me. I have spoken to several ALLY Financial representatives, last being this morning of XX/XX/XXXX who state that ALLY Financial has not received the {$840.00} from XXXX to send back to me. 

I spoke with " XXXX '' from XXXX this morning also on XX/XX/XXXX who assured me that the sum of {$840.00} was sent back to ALLY Financial. However, again, ALLY Financial deny the money was received. XXXX representative told me this morning that ALLY Financial has informed them that they, by their internal policy, keep that money for 5 weeks before sending it back to me. I do not see anything in my purchase contract that condones that and, again, ALLY Financial deny receiving the money. 

Clearly someone is lying.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase is making it very difficult to honor a referral that I made to an individual for applying for a credit card. I sent multiple emails that the individual never received and then called the day prior to the individual signing up for the card to verify that I had indeed been attempting ( in vain ) to refer this person. After agreeing that I had made attempts to refer the friend to the credit card they have now been difficult in applying the credit to my account. It 's not resolved but they say I will be credited. Waiting to see, after several phone calls ( which I should n't have had to make ), if they will follow through.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: EQUIFAX, INC.
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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS ARE REPORTING DEROGATORY TRANSACTIONS ON MY CREDIT AND I WOULD LIKE THOSE TO BE CORRECTED. I WAS UNAWARE OF THE ACCOUNTS UNTIL I WAS SHOPPING FOR A CAR. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS PURGED FROM MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: Incomm Holdings Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received a Vanilla {$50.00} prepaid gift card. I attempted to use the card only to find it had no balance. I never used the 16 digit card and the card never left my wallet. I called Vanilla gift card customer service at XXXX and was told that {$49.00} was used at a XXXX in California ( I live in Rhode Island ). I was advised to fill out a dispute form and email to XXXX. I promptly did that the same day I placed the call on XX/XX/XXXX. On XX/XX/XXXX, I received confirmation from Vanilla gift card that the dispute packet had been received and forwarded to the Dispute Department for review and investigation. On XXXX I emailed for an update to my ticket # XXXX. I sent two more follow up emails on XX/XX/XXXX and XX/XX/XXXX. Finally, on XX/XX/XXXX I received the following response : " I received your previous email with your dispute form however, your form came through as a hyperlink and due to security reasons we can not open it. Please resend your packet by other means. '' I called this morning, XX/XX/XXXX, and advised the customer service rep that I never sent as a hyperlink but rather a PDF. As mentioned above, on XX/XX/XXXX, they confirmed receipt of my package. I attempted to call this morning to resolve the issue but was not able to come to resolution. The rep put me on hold for a very long time and never came back to the phone. How can a prepaid credit card be used elsewhere if the card was never stored on a website for purchases and was never taken out of my wallet? In my opinion, either Vanilla gift card does not have proper security in place to protect the credit card data or they issued the same number twice. In any event, I should receive the funds back. Please assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Associated Credit Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owe XXXX XXXX {$1000.00} The credit agency is trying to collect {$3400.00} saying they are representing XXXX XXXX. XXXX XXXX told me all I owe is the {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a Home Depot credit card that advertised " 6 months to purchase everything for your project '' with " No interest if paid in full within 6 months on purchases of {$290.00} or more ''. I received an approval letter that stated " Congratulations. You've been approved ''. It wasn't until I started receiving statements, that I realized I was being charged interest and the approval letter was not for what I applied for but rather a loan with a fixed rate of interest with no 6-month promotion. I contacted XXXX/GreenSky ( the lender/servicer ) for the account numerous times to resolve this to no avail. I keep getting charged interest and can not get the minimum payment that is due without interest on my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I had a HSBC credit card which I never used and it was always in my posession. Someone made unauthorized charges. I reported them and have a letter from HSBC that they received the report on XX/XX/2019. They started investigating the matter for several months and opened a new credit card for me although I said I did not want any credit card from them and to close the account. On XX/XX/2019 I received a letter saying that the activity has been confirmed as unauthorized, but now I owe them {$230.00}. Upon talking to the fraud department several times they refuse to close the two accounts. Someone has made those remaining charges to the new account. I never received a new credit card, account number or authorized an opening of a new account. Everyone at HSBC says they have to investigate the matter and nothing gets done. The account is now delinquent and if I don't pay will affect my credit rating. I talked today with a person in the fraud department ( XXXX ) who said he needs three days to reflect upon the matter. I went to an HSBC retail bank today where they looked at the account and said that they have to make an investigation. HSBC should have promptly closed the account that had the unauthorized charges and refunded them to the account. They should have never opened an unauthorized second account. This has been going on for several months with no help from HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: PNC Bank N.A.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, XXXXXXXX XXXX  sent a check in the amount of {$6100.00} to PNC Mortgage to pay off and close a home equity line of credit. Instead of closing the account as paid, PNC has reported to the credit bureau that the account was a charge off with an outstanding balance of {$6200.00}. This error was not realized until I was applying to lease a new car on XX/XX/XXXX. I contacted PNC about the error and was told the account was paid in XX/XX/XXXX, six months after the check was mailed and cashed. PNC also informed me that I would need to submit a written request to have the account updated with the credit bureau even though they had not made any updates to my status since XXXX. I also contacted XXXX and filed a dispute, which I understand may take 30 days to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I had this loan since XX/XX/XXXX, the original amount was XXXX, ,a week before graduation, the XXXX XXXX XXXX XXXX, the state had taken the liscense away from the school through out the years i tried to pay when i could unfortunately i have medical issues due to XXXX and i was unemployed several times, i have tried many times throughout the years to ask for options with XXXX XXXX and navient at one point i was told my only option was i think it was a forebearance in which my loan sky rocketed to over {$9000.00} in XX/XX/XXXX i had a XXXX i went back to work part time XX/XX/XXXX i have been struggling medically and financially .XX/XX/XXXX i called and i spoke to XXXX a customer service rep i asked her about the ibr program she told me i had to put XXXX down or she could n't help me to call back when i had the money she also told me, she was going to take care of the ibr application i would have 0 payment till the following year and then i would have to do the ibr process again, i called back on XX/XX/XXXX i made the XXXX payment i thought everything was good till XX/XX/XXXXin XX/XX/XXXX i called navient and was told that i owe over XXXX because my ibr was never done, they wanted a payment of at least XXXX in which i do not have .Now my loan is in default for XXXX I have a part time and i still suffer issues from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The company has my billing information incorrect. They charged me late fees and finance charges and refuses to remove the delinquent marks from my credit. The company is aware I was overseas working during these instances and refuses to assist me. Ive sent letters repeatedly and they advised me the letters are frivolous. Im asking for assistance in this matter. Or I will have no choice but to contact the Attorney Generals office.

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 2020-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I have complained several times before to try and get some assistance with this issue. I have received several letters from XXXX  stating that this public record that is reporting is accurate. This public record is not accurate and I have contacted both the courthouse and XXXX XXXX, which is who the company has told me has verified my public record. 

This is a blatant lie and a true misrepresentation of my credit report and my husbands credit report and I want this removed ASAP. I am tired of continously having to fight for my innocence in this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX has made it difficult for me to dispute the hard inquiry on my credit report, THEY DONT HAVE ONLINE DISPUTE OPTION, they pulled my credit twice for one mortgage application as well which ended up lowering my credit 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 2017-07-23
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XXXX XXXX, 2017 I had an 18 Month CD mature at M & T Bank. The Branch I use is in XXXX XXXX, XXXX XXXX, NJ. The CD originally started with XXXX XXXX XXXX XXXX which was acquired by M & T Bank. The account balance of the CD was {$5500.00}. Last month ( or the month before ) I received a renewal notice telling me the CD was coming due but that the rate I could be paid on renewal had yet to be established, hence could not be disclosed. On Saturday, XXXX XXXX I received a renewal notice in the mail dated XXXX XXXX which disclosed the CD ( Account Number XXXX in the amount of {$5500.00} ) had been renewed for another 18 months at a rate of 0.1 %, which is ridiculously below market. On Monday XXXX XXXX, I visited the XXXX XXXX XXXX XXXX XXXX XXXX to close the CD and spoke to Branch Manager XXXX XXXX who processed the CD Closure and charged {$52.00} in interest forfeiture fees and penalties. I told her that this amount of penalty sounded excessive given the late notice on the new rate and the fact that the new rate would only yield me {$5.00} per annum in interest income. She did n't really reply to that but said I could have closed the CD within ten days of renewal or before renewal to avoid the penalty even though I did not receive notice of the rate until 24 days after the renewal. She was very nice but essentially I gathered she was powerless to be fair about this so here I am. The Bank Official Check I left with was number XXXX for {$5500.00}. I am writing to you to try to get help for myself and the countless other people who were given penalties I deem to be excessive given the circumstances.

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