BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-11
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Last year the weekend of XXXX XXXX, 2015 there was a glitch in their debit mastercards. Customers were charged twice for their purchases. Huntington did go through and refund all the double charges. 
- Some customers like me had checks bounce and payments bounce because of the excess of charges caused the account to go negative. I had to pay Return Check Fees to the merchant 's that were sent back. Huntington refused to cover any other merchant fees. 

Huntington offers a 24 hour grace for checks that may not clear this gives you a chance to go in and get your account caught up. The problem is you do not know if they will give you a chance for the 24 hour grace or not there is no clear guidelines. You are told it is at the Bank 's discretion. I have a disclaimer for the 24 hour grace if XXXX XXXX needs it. 

I have written the Consumer and Financial Protection Bureau because of the excessive fees that Huntington has imposed on my account. In XXXX some of them fees were finally returned. 

Our account has been in good standing and in XXXX I found out that huntington took my account from a " Huntington XXXX account '' to a " Asterisk Free Checking '' without notice or my permission. I have asked why and they can not answer my question. They tried to say it was to save me money. Which makes no sense because I did n't ask to have it changed. I did not want it changed and was not notified that it was changed. 

Then on XXXX XXXX, I found out a check I wrote a week earlier was bounced back. I had {$14.00} in my account and thought the check cleared. The check was for {$35.00} and they sent it back. 
I called and called and tried to find out why I did not get " 24 hour grace '' and asked why? They said it was at bank discretion ( We have had 24 hour grace for larger amounts ). Immediately I paid the Overdraft fee to bring the account current. 

On XXXX XXXX, the check went through again. I was charged another {$37.00} on the same check. 

The problem is Huntington refuses to return any money to me. They say they can not return any money because they credited my account too many times. 

I then asked why I was not offered a 24 hour grace and finally I am told " you overdraft too many times and you are no longer eligible '', I asked why I was not notified? 
The bank 's reply was " We do not have to notify you ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company is attempting to collect a debt I do not owe, I do n't know who they are and why they are attempting to collect from XXXX whom I do not owe. Apparently theirs an account that has been sold off in my name which I already have fraud alerts placed on all bureaus and XXXX etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: Northeast Receivables Management, LLC
State: SC
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I KEEP RECEIVING PHONE CALLS FRON NORTHEAST RECEIVABLES MANAGEMENT LLC. I NEVER RECEIVED ANYTHING IN THE MAIL OR ANY PAPERWORK VALIDATINHG THIS DEBT. THEY ARE CALLING MY JOB AND MY RELATIVES TELLING THEM I OWE THEM MONEY. TO BE HONEST IM NOT EVEN SURE WHAT THIS IS FOR. I HAVE MAILED A CEASE AND DESIST LETTER TO THEM AT XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a citi accelerate high interest savings account with {$1000.00} in it and I added {$5000.00} deposit from my XXXX XXXX checking account to my citi savings. Citi blocked my account and said they are closing my account and that they would investigate and then send a check XXXX days later. I have no idea why my account was closed and its unacceptable to me that they would keep my money for that time frame. I want my money back {$6000.00} now. Please help! 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 2016-12-09
Company: POPULAR BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I had an equity line of credit with Banco Popular. In XX/XX/2011 I was granted a discharge of debt the equity line of credit was not part of the BK. For the past 9 months I have been working on the credit so that I could re finance the house. Banco Popular had to be paid off in order for me to have any hope of getting a loan. Over the course of several months I was able to negotiate a payoff and a promissory note. I gave them $ XXXX and agreed to a no interest payback for a fixed amount over 36 months. The balance after making XXXX more payments was {$10000.00}. My refinance lender told me that we could go ahead with the refinance, however he could not get BP to send a payoff amount. After several weeks XXXX sent a letter asking for a few XXXX dollars more that I agreed to pay in the promissory note. When I challenged them on it, they revised the amount of the payoff but told me that they were going to issue a XXXX for the difference. During my escrow period I received a statement from XXXX reflecting my payments and the amount due almost $ XXXX dollars more than the amount we agreed to in the note.

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 2021-08-06
Company: Williams & Fudge, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently pulled all three of my consumer reports and saw a company by the name of Williams & Fudge on my consumer reports. I reached out to them via registered mail on XXXX of XXXX to asked them to validate this debt that they are claiming that I owe. On the XXXX of XXXX I received a letter in response to my request to validate the debt which did not contain any document/information to validate the debt as requested per my rights under the FDCPA, 15 USC 1692. This letter appeared to be a student statement from XXXX University Student for {$11000.00} from XX/XX/XXXX to XX/XX/XXXX with a coversheet from Williams & Fudge. This coversheet stated as follow : " Please find enclosed the information requested for the above referenced account ( s ). Should you have any questions you may contact the undersigned directly. XXXX XXXX XXXX XXXX '' The coversheet also stated that : " This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. '' I would like to mention that I have never attended XXXX University in my life, Williams & Fudge is violating my rights a consumer under the FDCPA. My consumer report is tainted due to their error, and they are using language that is offensive. I am requesting that Williams & Fudge immediately correct this error by removing this off of my consumer reports with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
calls from XXXX every morning after XXXX XXXX. Leaves no message Company name Amsher, found on the internet. I do n't owe anyone anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Paramount Recovery Systems, L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I recently pulled my XXXX credit report ( XXXX/XXXX/16 ) and noticed a collection account by : PARAMOUNT RECOVERY SYSTEMS, Date opened : XXXX/XXXX/16, Last updated : XXXX/XXXX/16. 

I do not know Paramount, nor have I been contacted by Paramount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-08
Company: United Revenue Corporation
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
someone stole my identity information and used it to create several accounts that i have protested because they are fraudulent I have a police report with the information as well as had to report to the ftc id theft affidavit notarized but this company is reporting this on my credit and trying to collect

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-08-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX fraudulent checks were posted to my checking account, XXXX for {$5900.00} and XXXX for {$890.00}. Neither had any signature on them - the signature line was blank on each. Upon seeing that my account was depleted of funds, I reported the fraud to Chase and froze the account. They tell me it will take up to 30 days to hear back from the investigation and get my money back from the other bank, even though the checks are clearly fraudulent. They also tell me there is no system for me to track the progress of my claim, and they 'll let me know if they need anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Diversified Recovery Bureau LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Diversified recovery bureau continues to call family members around the country asking for me. There number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: PLS GROUP, INC
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I got my car back on XX/XX/2017 and my car has been in the shop multiple time with in the last 3 month for the same thing and the issue have not been fix no one has offered me a ride back and forth to work I lost a job because of this car situation and now my car is back in the shop for the same issue and more as of today will mark its XXXX or XXXX time being towed for the same reason. My care is over heating and my transmission is slipping. I called to say asking for all paper work showing proof that these thing were fixed on my car I have put a total of XXXX down and this car and nothing but problems just at the point that I want get my money back and take my business elsewhere.

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 2016-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX lost XXXX of my payments made in XXXX XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XXXX XXXX XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX XXXX ) speaking to them verifying the payments were made and on what days. XXXX XXXX refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. XXXX also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against XXXX XXXX concerning the documentation that I nor the primary borrower received with the XXXX. XXXX XXXX claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. In fact XXXX is still reporting to the credit bureaus as if this account is open and active showing late payments from the month of XXXX XXXX up until now even though the status should reflect chargeoff

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 2015-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XXXX/XXXX/2015 I submitted a Case through the CFPB Portal to Transunion ( Case number : XXXX ) In order to correct information regarding a student loan that I had fully paid off after not being able to get a resolution via the regular channels. On XXXX/XXXX/2015 Transunion responded to the CFPB appropriately and let me know that they had updated the information in reference to the Attorney Paid In Full letter that I attached in the previous complaint. On XXXX/XXXX/2015 this information reflected on my credit report, and all was good. My Fico Transunion Credit Score Went Up XXXX Points to XXXX, and I felt that this nightmare was finally over. However two weeks later on XXXX/XXXX/2015 I received an alert from MyFico that my score had dropped XXXX points From XXXX to XXXX. I thought that this might have been caused by a reversal of the update that transunion made on XXXX/XXXX/2015, so I obtained a new copy of my credit report, however everything appears to be correct. The only thing that could be different are the remarks/closed status. On the report Transunion lists the account in question as " Closed-Derogatory '' when it should be listed as " Closed-Paid In Full '' as the account is no longer derogatory. In addition they list the payment status as " Collection/Charge Off '' when it should be listed as " Paid '' As this is what is directly reported by the Creditor. I have attached a written letter from the Director Of Student Loans for XXXX XXXX XXXX which states a description of the loan ( XXXX ) and that the loan is is " Paid In Full '' and not " Closed-Deragatory '' as has been reported by by Transunion ( XXXX ). If Transunion Wishes to verify this information, they can contact XXXX XXXX directly at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
This complaint is linked with XXXX. I am further disputing as TransUnion stated in their official response that the XXXX XXXX XXXX, XXXX XXXX XXXX was never removed from my credit report. Attached is a screen shot from XXXX XXXX that shows that this account was deleted TWICE under my " removed collections '' section. These were deleted on XXXX XXXX 2016 AND again on XXXX XXXX 2016. TransUnion has been untruthful in their response to my complaint. Again, this is in violation of the FCRA as this account was removed and added without giving me notice. I want this account deleted from my Trans Union credit report As Soon As Possible.

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 2022-08-04
Company: TekCollect Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX CT XXXX XXXX XXXX XXXX, 2021 {$30000.00} XXXX, XXXX Reported : XXXX XXXX, 2021 {$160.00} XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, 2021 {$210.00} Needs Attention

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: Experian Information Solutions Inc.
State: IL
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:
I believe XXXX XXXX along with Experian, XXXX XXXX and XXXX has shared my personal information with XXXX XXXX XXXX After I purchased the car from XXXX XXXX I was immediately contacted by 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 2021-08-08
Company: Experian Information Solutions Inc.
State: CA
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: Didn't receive services that were advertised

Complaint:
I had a XXXX point drop in my credit score but nothing in my report has changed. It seems that to fix it Experian wants me to buy there products.

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 2015-09-09
Company: CMG MORTGAGE, INC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind on my mortgage when I became ill earlier this year and was admitted to the hospital. Now that I am fully recovered I would like to save my home. I hired an attorney to assist me in applying for assistance from my mortgage servicer, CMG Financial / CMG Mortgage. My attorney recently contacted CMG Mortgage to submit my application and complete financial package and they are refusing to accept my application for assistance. According to my attorney, this is in violation of RESPA Reg X. CMG referred us to their attorney, XXXX XXXX, and said they are handling the mortgage now. My attorney has left several messages with XXXX XXXX over the past ten days and that office has never called back or responded in any way. CMG Mortgage has now also filed a Notice of Default and they are simply avoiding any inquiries from myself or my attorney in regards to trying to resolve my delinquent mortgage and save my home. XXXX XXXX never answers the phone and messages left with them are not returned. I have submitted my financial information directly to my servicer CMG Financial by fax. I have not submitted my financial information to XXXX XXXX because they wo n't pick up the phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a XXXX Credit Card Account opened XXXX and closed and paid in full XX/XX/XXXX. As of today Transunion Reporting Agency has my account in a negative status. This account always had a positive reporting on Transunion. Now like I stated their is negative information showing on Transunion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: TrueAccord Corp.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I received an email from XXXX XXXX of TrueAccord, claiming that they were attempting to collect a {$3700.00} debt supposedly owed by me to XXXX XXXX XXXX. I responded immediately the same day, requesting that XXXX send me specific information regarding this alleged debt. I also informed her that I believed that either they had the wrong XXXX XXXX, or I was being scammed by them. I absolutely do not recognize or acknowledge any such debt. 
The following day, XX/XX/2021, XXXX XXXX of TrueAccord responded to my email advising me that all collection activity had been suspended pending an investigation, and that they would not resume collection activity until I had been provided with validation documentation. 
Today, Sunday, XX/XX/2021, XXXX XXXX has again sent me a notice that they are attempting to collect the same " debt ''. I have received absolutely nothing to identify or validate this supposed debt, as XXXX XXXX stated would be done before any collection attempts went forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS IS AN IMMEDIATE DEMAND TO REMOVE ALL DISPUTED INACCURATE ACCOUNT, ADDRESS AND ANY INFORMATION BEARING MY NAME THAT DOES NOT AND HAS NEVER BEEN ASSOCIATED WITH ME!

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