BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am writing to file a formal complaint against AMERINAT- Loan Servicing company for and XXXX  XXXX regarding their treatment of me as a borrower. I believe that AMERINAT and XXXX has engaged in several practices that are unfair, deceptive, or otherwise illegal. 
I'm a XXXX XXXX XXXX XXXX XXXX  and my medallion loan was transferred by my original lender to XXXX and Amerinat - Loan servicing company. 
Firstly, when the COVID-19 pandemic hit, the lender contacted me over the phone /email and offered a modified payment plan that allowed me to make reduced payments for a period of time. However, on XX/XX/2023, statement, I discovered that the modified payment plan has caused my loan to mature earlier than originally scheduled. The lender did not adequately inform me of the impact that the modified payment plan would have on the maturity date of my loan and did mail the XXXX bill on time. As a result of the short notice, I had to borrow money from private individuals at a high interest rate in order to pay off the loan and the closing costs. This has put me in a difficult financial position. 
Secondly, AMERINAT overcharged me for closing costs associated with my loan. I believe that these fees are excessive and do not accurately reflect the actual costs associated with the loan. I have attempted to resolve this issue. 
but have not receive a satisfactory explanation for the closing cost. I received. 
a statement that the lender had reallocated my principal and interest. 
payments for prior years in a manner that is not in line with the terms of the loan agreement. Specifically, a greater percentage of my payments was. 
reallocated towards interest than principal. This reallocation of payments is a violation of my rights as a borrower. 
I would also appreciate any assistance that the department can provide in resolving these issues with the lender. As a borrower, I expect to be treated fairly and with transparency, and I do not believe that Amerinat has lived up to these expectations. 
Thank you for your attention to this matter. I look forward to hearing back from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Southwest Credit Systems, L.P.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Southwest Credit system is not legally licensed & bonded in the state of Florida to collect on a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I the consumer and Natural Person/Original Creditor was denied the extension of my credit after I gave them my social security number and received no benefits which is proof of fraudulent activity ( unauthorized use of credit card ) which is against 15 USC 1602 ( p ). they are in violation of 15 USC 1642,15 USC 1681 ( m ) and 12 CFR 1002,1002.7 because I the consumer made an application ( in good faith ) but credit was not issued. Averse Action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified in 15 USC 1691 and is pursuant to civil liability under 15 USC 1692 ( k ). They are subject to Criminally liability for violating 15 USC 1691 as I have proof that I was Discriminated against due to the response I received. They also violated 15 USC 1611 which is public knowledge Criminal liability for willfully and Knowingly give false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter, or any regulation issued there under. They are criminally and civilly liable for all actual damages pursuant to 15 USC 1681 ( m ) and 15 USC 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EAST WEST BANK
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am sending you this letter referring to the response to my complaint against EastWest Bank received on XX/XX/2022, I wish to express that after much consideration and due diligence that I'm still doubting and way too confused about the situation with my complaint, and it triggers me a lot of XXXX 
The main reason I continue to insist on due process in my case is because I understand that EastWest Bank has not and is not taking adequate steps to protect its customers from financial loss and to recover their losses. Moreover, as we can see in my case, they failed to follow the established Anti-money laundering system to prevent these crimes to happen. 
In the past, when I communicated with you regarding my other complaint, against XXXX XXXX, I have provided you with a letter from the United States Senate to your director specifically pointing out the regulatory gap that exists and leaving us consumers without legal recourse for fraud. It should be understood that this letter as well as the direct letter from the Senate to XXXX XXXX XXXX XXXX XXXX highlights not only the problems of the XXXX platform itself, but of the banking system as well. As it says : " According to XXXX XXXX, banks were essentially 'throwing [ ing ] up their hands and saying 'it 's not our problem because you authenticated it. And also : " The policies of your company and the banks that own and operate on it create a confusing and unfair environment for consumers ''. 
It should also be emphasized that certainly there is broad legal precedent holding financial institutions liable for customer losses in a variety of jurisdictions. For example, in Wiand v. Wells Fargo Bank, N.A.  ( XXXX XXXX XXXX ), the federal courts recognized claims for both Fraudulent Transfer and Unjust Enrichment where the bank had failed to protect customers from a XXXX scheme. Similarly, victims of a massive XXXX  scheme perpetrated by an individual named XXXX XXXX successfully sued XXXX XXXX for both aiding and abetting fraud and fraudulent misrepresentation. See Coquina Investments v. TD Bank , N.A XXXX ( XXXX XXXX XXXX ). See also Lerner v. Fleet Bank, N.A. ( XXXX XXXX XXXX ) ( XXXX XXXX courts uphold claims alleging bank was " conduit '' for fraud ) ; Neilson v. Union Bank of California , N.A XXXX ( XXXX XXXX XXXX ) ( California investors successfully allege aiding and abetting in XXXX  scheme by Defendant XXXX XXXX  XXXX XXXX As your legal department is no doubt aware, this is just a fraction of the many instances in which banks, which hold a duty to their customers, have been held responsible for losses related to third party fraud. 
|without prejudice| I, therefore, ask for your help as a regulator and to review my case. If you need any additional information from my side in this regard, please let me know. I will be glad to help you make this process as fast and efficient as possible. 

Yours sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XXXX of XXXX, I revoked authorization for XXXX XXXX to automatically withdraw flex loan payments from my checking account I revoked consent via their website and spoke with a customer service representative to advise them authorization was revoked and to inquire as to why payments were being taken when they should not. I was informed by the rep my account would be notated, but they'd more thsn likely contiue the automatic payments, because they typically do, even after consent was revoked.On several occasions, beginning XXXX of XXXX, I attempted to stop payments and dispute the transactions with my financial institution, XXXX XXXX, and was told the only way to stop the payments is to close the account, because Id made a bindingagreementwith the companyand they have the right to recoup their money. I explained that I'm not trying to get out of paying back whai I owe, but I wanted to make the payments myself, because XXXX XXXX is not abiding by the agreed upon payment dates by taking payments outside of the authorized due dates and withoutauthorization. I also explained my pay checks are directly deposited into the account and it would be a major inconvenience, due to me having auto payments, set up, my mortgage and other accounts to my checking account, and was again told there was nothing I could do to stop the payments, outside of closing the account, because they have my account number and the bank is not authorized to stop them. 

I'm currently under bankruptcy, as of XX/XX/XXXX, but the payments continue to be taken out without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX my phone was stolen and the person gained access to my ApplePay and used this to make a {$4800.00} purchase on my Apple Card at an Apple Store in XXXX, NJ ( I live in XXXX )- some 50 miles away. When I realized this, I immediately called up to explain the fraud and a case was opened on XX/XX/XXXX. This case was closed on XX/XX/XXXX with merchant claiming I was responsible. When I asked how and for the evidence proving that I made the purchase I was told they could not give it to me over the phone but would mail it to me. I explained that they could look at the security footage and see that it was not me. I also explained that I had purchased a new phone that same day to replace my lost phone. I never received the evidence and continued to call asking about it. I never heard back and again on XX/XX/XXXX the case was closed against me. I immediately called and spoke to a supervisor who reopened the case and claimed they took copious notes explaining the situation. Again, I was told evidence would be sent to me and it wasn't. Again the case was reopened. It was closed on XX/XX/XXXX again against me WITHOUT anyone contacting me or sending me evidence on how they made the decision. I asked them to reopen the case which they than closed on XX/XX/XXXX AGAIN without anything being sent to me. At this point, I got on the phone with another supervisor who looked over the records and indicated this was never opened as a fraud investigation but rather a normal dispute. They re-opened the case as a fraud investigation, they provided me a link to submit my receipt showing I purchased a new phone within a very short time of the XXXX store purchase some 50 miles away - making it impossible for me to be in 2 places at once. On XX/XX/XXXX, they AGAIN closed the case against me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi I am reaching out to you to get Capital One to take incorrect payments off My credit report that i have recently seen. I believe capital one is not taking my consumer rights seriously and keeps giving me the run around and playing with words in order not to help me. These payments were not late to any doing of my own.I called on capital throughout a dire time of need, Because of hurricane XXXX Damaging my property and home i let them know that I needed help in advance with my payment dates and capitalone agreed to postpone/pause my credit card payments and gave me a date and the associate that helped me assured me they would shcedule my automated payments to continue and turned out not to be true for payments XX/XX/XXXX and XX/XX/XXXX on account. I've been with capital one for over 20 years as they can tell you before this misinformation by the capital one employee which they are trying not to own up to I had an excellent payment history over the course of this time except for XX/XX/XXXX when interest adjustments didn't reflect my automated minimal balance by capital one which was my first discrepancy and had no idea about this until i capital one sent me a email which i thought was a scam stating i missed my minimum payment in which i had just seen come out of my bank which also spoke to them about and still no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Name appearing wrong on report XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX only. I have never gone by those other names.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/30, Bank of American applied a composite credit of {$5100.00} to my account. This was in three components : {$2100.00} + {$250.00} + {$2400.00}. 

The {$2100.00} comes from my BofA checking account ending in XXXX. The {$250.00} came from a closed XXXX account and should correctly be charged negatively to my account. I have no complaint about the reversal of the {$250.00} nor about the {$210000.00}, which was correctly credited.. 

Bank of America deducted the {$2400.00} from my XXXX account. Then they reversed the credit to my HELOC account.. 

I twice wrote to them through their website and received no response. I then complained to the XXXX. I received a message that they acknowledged the complaint, and beyond that message, no action has been taken.

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 2023-07-18
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX, XXXX I received items from merchant XXXX that did not match the description on the website. Initially, the company was unwilling to provide a return shipping label to me so I could mail the items back. However, I was provided a shipping label on XX/XX/2023 and the items were successfully shipped back to the merchant. 

The dispute with this merchant is STILL in limbo between PAYPAL and PAYPAL CREDIT ( Synchrony Bank ). Per Synchrony Bank, the dispute was CLOSED on XX/XX/2023. However, the case is still OPEN in the PAYPAL system and has NOT been reviewed since XXXX. I EMAILED PAYPAL with the CLOSURE LETTER I received from PAYPAL CREDIT **THREE TIMES** yet the case remained OPENED and UNRESOLVED. 

I have contacted BOTH PAYPAL and PAYPAL CREDIT and NEITHER company has been helpful. Each representative points the finger at the other and I was left with no resolution. I have been hung up on REPEATEDLY and spent HOURS on hold seeking resolution. I explained to MULTIPLE representatives AND managers that there appears to be a glitch in their systems which is holding up the resolution of the case, but NEITHER company offered assistance to fix this issue and its been ongoing for over 2 MONTHS now. I even asked PAYPAL CREDIT ( Synchrony Bank ) to stay on the phone with me and help facilitate a resolution with PAYPAL. Instead of assisting me with the issue, the representative placed the call BACK IN QUEUE and I had to go through the prompts all over again!! 

XXXX has already agreed to refund my money ( {$220.00} ) once the case is CLOSED. However, since its still OPEN in the PayPal system, they are unable to move forward with processing the refund. 

PAYPAL and PAYPAL CREDIT ( Synchrony Bank ) need to get it together and ensure their systems are updated and capable of addressing consumer issues. Im annoyed and dont want to do business with ANY of these companies going forward. Poor leadership, poor processes and poor controls!

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 2022-09-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit report is unable to be viewed. Any time I try to check on it I get a message that says your information doesn't match credit bureau records. Every thing I input is accurate

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 2023-07-18
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
I am writing to file a formal complaint against American Express regarding the wrongful deduction of promotional points from my Membership Rewards account without providing a valid reason or proper explanation. Despite my attempts to resolve this issue with American Express directly, their customer service representatives have been unhelpful and have claimed that they are unable to assist me. 

On XX/XX/2023, I received an email notification from American Express informing me that they had made adjustments to my Membership Rewards account. The email vaguely stated, " We've adjusted some points on your Membership Rewards account, '' and went on to mention that the adjustment was made due to activity that allegedly violated the terms and conditions of the Membership Rewards program or the promotional offer through which the points were earned.

The email failed to specify which terms and conditions I may have violated, leaving me completely unaware of the alleged discrepancy. Furthermore, American Express used uncertain language, stating that the points " may have been earned or used '' in a manner contrary to the terms and conditions. This lack of clarity and specificity is deeply concerning and raises doubts about the legitimacy of their actions. 

To my disbelief, American Express deducted XXXX points from my account, which holds a minimum value to me of {$1100.00}. These points were acquired through a legitimate promotional offer, and I have diligently adhered to the terms and conditions outlined by American Express. Therefore, I strongly believe that the deduction of these points is unjustified and constitutes a breach of our contractual agreement. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and intervene on my behalf. I expect American Express to provide a detailed explanation as to why my points were taken away and present evidence supporting their claim. Furthermore, I demand the immediate reinstatement of the wrongfully deducted XXXX points to my Membership Rewards account. 

I trust that the Consumer Financial Protection Bureau will take my complaint seriously and work towards a swift resolution of this issue. American Express 's lack of transparency and failure to provide a valid reason for the deduction of my points is both frustrating and distressing. I am confident that with your assistance, justice will be served, and my rights as a consumer will be protected. 

Thank you for your attention to this matter. I eagerly await your prompt action and a favorable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Citibank XXXX XXXX Credit Card statements for my credit card account ending in XXXX arrives every month and XXXX XXXX uses the company 's automatic billing system to pay our monthly statement balance. We've had this arrangement for many years, having been members since XXXX. We redeem rewards for automobile purchases. Recently, Citibank has experienced payment returns ( due to faulty automatic billing system processing ) and we have had to resolve this issue XXXX times within the past XXXX months. 

On XX/XX/XXXX, we made an automatic billing system payment to Citibank in the amount of {$2500.00}. On XX/XX/XXXX, Citibank issued a letter informing us that our payment was returned. The credit card account went into arrears. Citibank sent us an additional letter dated XX/XX/XXXX that our credit card acct is closed. Please help us to resolve. 

We made a payment today, XX/XX/XXXX, of {$2500.00} to bring the balance current. We would like the credit card account XXXX to be reopened. 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 2023-07-31
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Noticed a few unauthorized inquires on my account EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company that I dont know or have any dealings with have called me and also emailed me over XXXX times and it started since XX/XX/2022. And I have asked them to cease and desist and they have stressed me out to the point my hair is falling out! They have emailed me over and over!! I have all of the emails times ( halsted financial services )!! They are hassling me and I dont know or have any thing with them!!! And they have also put things on my credit report and I need it deleted and for them to cease and desist from contacting me by all means!! And also voicemails!!!!

Company response to consumer: Closed with explanation