BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-03
Company: Hunt & Henriques
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt collection law firm, sue me and won the case. My wages were garnished for 1 1/2 years, I believed ending in XXXX 2016. On XXXX XXXX, 2016 my wage garnishment started up again. I contact my employer and they said that it was sent a letter of an adjustment of my balance. The total amount that I owe in the lawsuit was {$10000.00} and my employer said that it was the same company that is taking the garnishment again. I contacted the Hunt & Henriques and I was told that it was fees and that my employer may have thought they have collected the total amount. I asked them what the amount was for and they just told me fees. The original amount of the lawsuit was paid off and they are now collecting more money for fees that was not on the original lawsuit amount and did not sent me notice or information on these additional fees of {$1000.00}. I have try to contact them and leave messages, but they have not contact me back. I have originally talk to representative name XXXX regarding the situation. He told me to call my employer about the start up on the garnishment, but my employer said that it was Hunt & Henriques that reissue that paperwork to my employer. I believe they are illegally charging fees on top of fees that are out side the lawsuit that was paid out. I have not contact a lawyer, but would like my money back for the garnishment they are taking out of fees that they did not disclosed to me. I believe if they are doing this illegally to me that they are doing this to other consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX shows 4 missed payments, and then a payment in XX/XX/2020 that cleared the account, and its because the account was never late. P

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 2020-08-13
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: Account information incorrect

Complaint:
XXXX shows 4 missed payments, and then a payment in XX/XX/2020 that cleared the account, and its because the account was never late. P

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX was removed from my credit report as I never had a loan with them. Theyre now reporting that loan again under a creditor called XXXX XXXX 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 2016-09-16
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Between XX/XX/XXXX-XX/XX/2016, I have received no less than 6 letters ( see attached as example ) supposedly from Citibank , N.A . ( XXXX XXXX, SD ) saying " Thank you for your interest in obtaining an account with us. We are unable to process your request at this time because we could not verify the accuracy of the credit information on your application. In order of us to continue processing your application, please call us at XXXX... '' The issues I have with this letter are : 1 ) There is no mention in the letter about WHAT specifically the application I " supposedly submitted '' was for ( credit card, debit card, checking account? ) 2 ) I have NEVER submitted any application to Citibank for ANYTHING 3 ) When I call the number, I 'm prompted immediately to input my entire Social Security number ( which I will NOT do ) before I can even speak to anyone " live '' 4 ) When I did finally manage to find a live person to speak to about this after nearly an hour of digging around on the internet for a phone number, I was told by a CSR that Citibank could not provide me with any details about the nature of my " supposed '' application because that information was confidential - DESPITE that it was " supposedly '' MY credit information!!! 

This is absolutely ridiculous and a time drain. I monitor my credit history very carefully and I should be able to know if someone is attempting to open an account in my name, without my authorization. If this is nothing more than a marketing ploy to get me to contact Citibank so a CSR can convince me to open an account with them, I want the letters stopped IMMEDIATELY as I have neither the time nor patience to mess with this.

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 2020-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
Inquiry from Bank of America on XX/XX/2020 and on XXXX. I do not remember giving authorization to this lender for this hard inquiry.

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 2021-02-19
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received my new Debit card on Tuesday, XX/XX/2021, noticed it was the same number as the one that was going to expire, ( that was ok cause I have that number on certain automated payments ). 
I looked for the number to activate but there was not one so I called because I was going out to make a deposit. 
Spoke to XXXX on that day and she informed me that my new card was already activated and no action was required ... 
My card had been activated 7 days before I received it ... .activated on the day it was mailed ... 
I was very upset and made a complaint to her ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
It is my belief that Kia Motors Finance ( " KMF '' ), a division of Hyundai Capital America ( " HCA '' ) engaged in illegal, high risk predatory lending behavior regarding my lease of a XXXX Kia Sorrento. This is a separate concern from my complaint regarding credit reporting and notices. 

When I initially leased the vehicle my credit profile was highly overextended with all my accounts having balances at or near their limit and with multiple credit cards having been opened and used to their limit within the previous XXXX day period. I also had one vehicle already financed that was not to be traded or resolved as part of the financing. I believe this alone indicated an exceedingly high risk lending situation. 

Despite my young age, a plummeting credit profile, and having another vehicle financed outside of the purchase, KMF indicated approval for the lease. 

Believing purchasing was not a good idea I reiterated to the dealership to share with KMF my employment situation. I indicated I recently had my employment terminated with XXXX XXXX XXXX and that I may or may not be rehired into my position. The dealership advised they shared this information with KMF and that they felt based on my employment history that I could afford the lease and would likely find another job if needed. 

Despite KMF having immediate knowledge that I was largely unemployed they approved the lease and added a clause waiving the need to verify my employment and income. I believe this waiver was added so they could avoid having to decline the lease. I believe this is a case of predatory lending as KMF had knowledge that I could not afford the vehicle and knew I did not have a worthy credit profile but proceeded with financing, regardless. The lease went through underwriting without any agents of KMF seeking to verify income, employment, available cash balances or my previous earnings. I was only required to sign the documentation and provide a government issued identification card. 

Ultimately as a result of KMF providing me a lease they knew I could not afford the lease quickly fell into default ruining my credit profile. This lease was predatory in nature and the type of behavior seen here is unethical and illegal. I volunteered the vehicle back to KMF in good faith. 

After the vehicle was in the possession of KMF, the errors and violations continued which are discussed in a separate filing. If KMF had followed normal lending practices this would have been avoided.

Company response to consumer: Closed
Consumer complaint received 2015-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Sale of account

Complaint:
When I found out about Servicemembers Civil Relief Act ( SCRA ) i applied for it through Capital One only to find out they sold my account to a third party called XXXX. However, I can not get in contact with XXXX to discuss my account and its nothing that Capital One can do at the moment. I know my account went into default however, the account was opened prior to me joining the military. And I am entitled to SCRA benefits as I am an XXXX service member and have been for over XXXX years. When I called the number for XXXX I get no answer no matter what time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Santander Consumer USA Holdings Inc.
State: DE
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 complaint is regarding a delinquent reporting made by Santander Consumer USA. After paying this car loan for over 5 years this company is stating that the final payment on the loan was required at the maturity date there was an amount of {$100.00} that was due. I informed the office that no one sent me a letter stating that the loan was maturing and the payment would have to be made by that date because I would have sacrificed to pay it. As I informed the company we are going through a pandemic and even with the loss of income I have never been late with a payment. This reporting has reduced my credit score between 21 to 32 points amongst all credit bureaus and I contacted them and requested for this reporting to be deleted. The car has been paid off. I have explained that I am trying to financed another car because the current car is very old and is not operational. I have explained that this reporting is affecting me and they have completely ignored all request and are the least bit concerned about the issues. I have never been late with a payment, it was an oversight with the maturity date because this car was purchased over five years ago and Santander has never explained that it had to be resolved by the maturity date or else I could be impacted. Even with the pandemic they have dismissed all request. Im seeking CFPBs help in getting this matter resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: HOVG, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The supervisor XXXX at Bay Area Credit Services at XXXX told my wife that she owed a debt to XXXX. We have asked them many times to verify the debt with us because we have not received a bill from XXXX at all. They would not give us any information on this debt. They have called past XXXX and refused to give us any validation of the debt. We asked them for more information on the debt and they either tell us to pay it or let us know that they will send something in the mail. We have asked for mail to be sent to out address or an email and they say they cant do it. We dont want to give out any money because it could be a scam. I told them we were going to report them to the CFPB and they just hung up. They had XXXX accents so it was hard to understand anything that was going on. Its been around 6 months or more of these calls and nothing has been resolved because they can not verify any information of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have both federal and non-federal student loans with Navient. They have taken triple the amount out of my direct deposit account than I signed up for multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a mortgage with XXXX ( serviced by XXXX since XX/XX/XXXX ). On XX/XX/XXXX, my mortgage was sold/switched to another Subservicer of XXXX, Nationstar. Since that time, my mortgage has not been reported to the credit bureaus. Consequently, I do n't have a current mortgage showing on my credit report. I am in the process of purchasing a new ( additional ) home ( closing scheduled for XXXX ... One week from today ), and my lender is telling me that it can not be processed until my existing mortgage is reflected on my credit report. I have made at least 6 calls to Nationstar customer service to find out when it will be reported. Nationstar told me they are legally prohibited from reporting my info for 60 days following the loan transfer. Today is day 65, and they have given me 6 different answers as to when it will definitively be reported : 1 ) automatically on day 60 ; 2 ) on the 10th day of this month ; 3 ) at the end of the month ; 4 ) at the end of the billing cycle ; 5 ) at the beginning of next month ; and 6 ) ' it has already been reported '. Today, they 'confirmed ' that it will be reported on the first of next month. I have begged them to manually override the system and report my mortgage info now. They said this is not possible. They told me that every lender has different policies, and this is their policy.

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 2017-01-20
Company: Collection Bureau of America Ltd.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The debt collector is attempting to collect a debt thats already expired under Pennsylvania Statute of Limitations therefore in violation of the Fair Debt Collection Practices Act. The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. ( 42 Pa. C.S. 5525 ( a ) ). The debt collector was advised but yet still continue to violate state and federal collection laws therefore should be fined to the full extent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: SECURITY FINANCE CORP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I dont know the exact dates amounts were paid and I would have to get the information from the company but the last amount I paid was maybe {$500.00} some or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: First Data Corporation
State: OK
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have tried for 7 months to close my First Data Merchant Services account. When I do actually get a human on the phone, I just get the " run-around, '' and different answers. They promise to return calls and do n't. They wo n't respond to emails. The have dozens of unethical ways to keep XXXX from canceling. They continue to charge fees and once a person finally threatens them are told they will have to pay a {$500.00} termination fee, but they keep the person paying their monthly fees. Very unethical. The Internet is filled with others who have the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX has two inquiries on my credit report that I do not recall giving authorization too. 

XX/XX/2019 and XX/XX/2019 XX/XX/2019

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 2020-08-13
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COMMONWEALTH FINANCIALS hit my credit with something that is not mine they claim I went to the hospital in XXXX XXXX when I havent I have insurance with my job & I havent gone to the hospital this is fraud i was never aware of this charge. Nor who is using my information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
To Consumer Financial Protection Bureau, I am submitting a complaint related to wrongful advertisement and deceptive business practices from Citi Bank in regard to their Citigold bank account. In XXXX/XXXX/2016, I submitted an application for a Citigold bank account using promo code XXXX which I had received from Citibank. The promotion was set to end on XXXX/XXXX/2016. Not knowing if I was indeed targeted for this promotion, I was not sure if my application might be approved. Hence I had confirmed via chat with a Citi Bank representative named XXXX on XXXX/XXXX/2016 that the application will be processed, and that I qualified for the bonus offer of XXXX XXXX points upon meeting the promotion requirements : Within 60 days, complete a purchase of { {$1000.00} } or more with your Citigold Debit card and perform XXXX or more bill payments for XXXX consecutive calendar months. This information should be discoverable as all conversations are recorded by Citibank. After I met the promotion requirements, I contacted via phone Citibank to confirm this and to inquire when to expect the points to be posted. During this conversation, a service request was logged by customer services to open an investigation ( reference number XXXX ). On XXXX/XXXX/2016, I received a formal letter from XXXX XXXX, Director, client research, informing me that there was no AAdvantage miles promotion offered in conjunction with the opening of my account. See attached letter from Citibank. This letter contradicts all discussions I had with Citi at the time I opened the account and at activation. I would not have opened the bank account with Citibank if it was for this promotion. I anticipated to use the points to plan for a vacation. I am requesting Citi to honor the set promotion. If I was indeed not targetted for the promotion, Citi should have rejected my application for opening the new account using the promo code. And not do it when I have opened the account, met all the necessary requirements and when it comes time to pay out the bonus. Attached Screen capture of chat with Citi representative during my conversation before opening the 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 non-monetary relief
Consumer complaint received 2021-02-19
Company: AMERICAN ADVISORS GROUP
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My Mother passed away on XX/XX/XXXX. Her house was sold in XXXX, XXXX. The Reverse Mortgage was paid in full in XX/XX/XXXX. I received an erroneous 1098 the beginning of XXXX, XXXX which showed my Mother paid $ XXXX in interest in XXXX. Actually, it was more like {$7500.00}. I've emailed and provided all the documents to American Advisors Group. No response. Called in. Waited for hours to get on the phone. Finally got another email address. Sent everything again. Email said I would receive a response in a few days on XX/XX/XXXX. Today is XX/XX/XXXX. Nothing! Called again today. Again on hold for several hours to talk to a person who told me he " reached out '' to the person in that Department. That's the person " XXXX '' I spoke to on XX/XX/XXXX. The excuse today is the weather in Texas. 

Now I am scheduled for a call back on XX/XX/XXXX. 

The response time for this company is a joke. My mother complained bitterly while she was alive about dealing with this company. Being put on hold for hours on end. No Response. 

I can not file tax returns. I am forced to leave her bank account open, incurring charges until it can be closed. Have a CPA on stand by. Wasting hour upon hour waiting for a corrected 1098. It is a simple typographical error made by AAG. Legally, the documents were to be provided by XX/XX/XXXX. 

My Mother 's house has been sold, her estate has been distributed and the very last thing to do is her tax returns and they screwed that up and DO NOT RESPOND. I feel very sorry for the old people who have to deal with this agency. 

XXXX XXXX, Co Administrator, XXXX telephone number XXXX XXXX Estate of XXXX XXXX XXXX American Advisors Group XXXX Loan No. XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: Solidus Group LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Have received numerous calls at work and at home that are threatening and often during none business hours. Threats include jail, contacting my employer, visiting my place of employment. Another stating it is from XXXX dept. threatening to file a law suit and that the alligations were serious.

Company response to consumer: Closed with explanation