BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-15
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2013, I went into my local Huntington Bank Branch to close my account. The banker told me he would be sad to see me go as a customer and asked why I wanted to close the accounts. I explained that I had accounts elsewhere and wanted to keep the accounts at XXXX bank. He then wrote me a check for the balance of my account and told me that the account would be closed. Without my knowledge or consent, an automatic payment came through on the account on XXXX XXXX, 2013 for {$14.00}. This re-opened the account and pulled money from a savings account that I had at the bank at the time. I was receiving my statements electronically and was denied access after I closed the account on XXXX/XXXX/13, so I did not see this happening and had no knowledge of the activity. I was not contacted or informed that my account was re-opened. I did not authorize these transactions or the re-opening of the account. Recently, I decided to close out the savings accounts that I had huntington bank. When I went into the branch, I was told that I had XXXX accounts and that other accounts were never closed. In speaking with XXXX XXXX from the branch, we discovered that a fraudulent ACH charge was occurring every month on the account that I closed on XXXX/XXXX/13. This forced the account back open without my consent or knowledge. I explained that I did not authorize any of this and had no knowledge of any of this happening. XXXX completed paperwork to have the money refunded since the account was opened with a fraudulent charge. Huntington determined that an error occurred but that they are only responsible to pay me back {$44.00} or three months worth of charges. They admit it 's an error but only want to refund a very small amount. If I had been notified that the account had been re-opened, none of this would have happened as I could have told them at that point it was fraud. I tried to resolve this with a customer service agent, XXXX. I explained that I was told the account was closed. I XXXX out the account. I was denied access online to the savings accounts. XXXX was rude and unkind and later XXXX from the branch helped me file a complaint against him through huntington.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: AMERICAN EXPRESS COMPANY
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 status incorrect

Complaint:
In or about XX/XX/2018, I noticed unauthorized ( fraudulent ) charges on my American Express Card. American Express refused to correct the errors for a long time, and began reporting my credit as past due and derogatory. I was finally able to get American Express to credit the fraudulent charges but when I went to pay the balance, I was told that American Express could not process my payment because the account was transferred somewhere else. They would not tell me where it was transferred and would not accept payment. But, they kept reporting it negative on my credit report. I made several attempts after to pay it and all were refused. They will not allow me to pay the balance and will not stop reporting derogatory credit on my report. I have asked them to fix the erroneous reporting and they refused. As late as yesterday, I called American Express to resolve the problem. They transferred me to 3 people and would not correct the credit reporting and would not accept payment. Don't know who has the file. I'm trying to refinance my home due to COVID-19 money constraints and can't refinance because American Express won't correct my report and won't even tell me the balance or how to pay it. The derogatory reporting has dropped my credit score over 70 points. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Billing statement

Complaint:
I have a Chase Slate Credit Card on which I carried XXXX separate Balance Transfer Promotions which carried a 0 % APR for varying periods of time. It appears during the time the promotions were active, my minimum payments were applied to reduce the balance of the outstanding promotional balance transaction due to expire 1st. When the promotion which had a 0 % promotional APR expired, it 's unclear as to how the subsequent payments were allocated. It appears that the payment amount was split between the remaining 0 % promotional balance outstanding as well as the expired promotions outstanding balance. However, the amount applied to the expired promotions outstanding balance does not appear to have even satisfied the current statement cycle interest charges. Thus, between the XX/XX/XXXX and XX/XX/XXXX statements, the Balance Subject to Interest Rate increased from {$6300.00} to {$6400.00} even though a payment of {$190.00} exceeded the {$71.00} interest charges. Moreover, when I attempted to pay in full the expired promotional balance by paying {$6500.00} ( which exceeded the balance subject to interest rate on the previous monthly statement ), I was surprised to see still yet a remaining balance and interest charges accruing and perplexed as to why any portion of this payment would be allocated towards a promotional balance earning 0 % interest before fully satisfying the balance subject to interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Vital Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I get calls on average 15-20 times a day from Vital Recovery Services XXXX. I have no debts. I 'm 85 years old and they are calling me about a debt that one of my children supposedly has. They all have their own homes and phone # 's, and if one of them had a debt in collection, which they tell me they do n't, the calls this debt collector is making should be to them not me. I 've told them this in the past and yet they continue to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Investment Retrievers, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ( a natural person ) was issued a false debt that was issued in the mail. I responded to Investment Retrievers INC. letter on XX/XX/22. I have not received proper validation of the alleged debt as I asked in my response letter. I was instead sent another collection letter which is disappointing that my original request has been completely ignored. I do not recall contracting with this company let alone giving permission that they obtain my location information and contact me multiple times. This is a clear violation of my rights under Title 15 US Code Chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT .....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: EQUIFAX, INC.
State: MA
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:
Today, on XXXX, Equifax report a missed payment that resulted in a 19 point drop in my credit score. Upon searching my credit report, there are no missed payments and haven't been for a long time now. My repayment has been impeccable for years. They have not done anything about this and furthermore, no one can seem to find out why this happened. It is deeply disturbing how these credit bureaus operate, without accountability, strong-arming people into purchasing subscriprions, and literally ruining lives with spontaneous, ambiguous score manipulations. These are private business es that literally take advantage of everyone. They operate with impunity and are NEVER held accountable for their actions. Consider this, did you know that once a credit bureau knows that you're applying for a mortage and generally working systematically at paying off your accounts and settling that they unearth your charge-offs and sell them to collection agencies? Yes, and then these collections suddenly pop up out of nowhere asking for money because they figure you have some now and then boom, your score has just dropped yet again because of these newly purchased accounts. And this will continue to happen until you pay off all of your charge offs. Fine, I'll pay what I owe, but a ) the credit bureaus are not being upfront about doing this, b ) it deincentivizes settlement agreements ( and even any payments, really ) and c ) it's super-underhanded, opportunisitic, parasitic, evil, and inconsiderately timed. Not only that but consider poor people trying to fix their lives! Of course, these bureaus make their REAL money off of the agencies they sell your data to, not us. They couldn't care less about us, but they certainly want to act like they do. You think XXXX  is bad, just imagine all the data manipulating that these bureaus have been engaged in for years. Equifax, if you're going to pull this, at least be upfront and at least give consumers a change to pay off some accounts and perhaps furnish them with ways to pay off their charge offs piecemeal, without having to devastate everyone. Try not to keep the poor down. And try not to kill someone's score in obscurity so that they can purchase your memberships. Surely if we were to do the research, it would be those who hold your memberships who experience less arbitrary score drop surprises. Please fix my score- I have no missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian combined another 's information to my account. I disputed about that and Experian once deleted the wrong phone number and address. However, they added the wrong address ( in XXXX XXXX ) recently. They also add a collection to my account, which directly leading the damage of my credit report.

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 2020-08-15
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2020, I made an online purchase from a company that appeared to be USA based. It was advertised as XXXX XXXX. As soon as I sent the payment I received a notification from Paypal that indicated it was to an overseas address. Go to the Paypal site to stop the payment within 30 seconds and it's already been completed. I immediately received a ship notification from the seller. At this point I'm figuring I'm out the {$50.00} I spent for 2 pair  of XXXX XXXX but hold out hope that at least if they are cheap knock offs that they'll fit. At the end of XXXX the sandals arrive and they are not the XXXX advertised, but cheap imitations. AND they are at least one full size too small. So I checked in to a refund. Sure, send them back and we'll refund you. The issue, it is gon na cost me at least {$65.00} to send back a {$50.00} order that was falsely advertised to begin with. I contacted Paypal on XX/XX/2020 to intercede. Over the last 42 days I've had a case open, been in contact with Paypal, only to be told that they can't refund me because it wouldn't be fair to the seller. Really? So they are supporting false advertising and the overseas thieves that take advantage of policies meant to protect honest people. The good guys get the shaft again. I've had trouble with Paypal before on an overseas purchase which is why if I had know this was, I wouldn't have completed the sale. The picture attached is the ad off of XXXX that I purchased from. I went and took a screenshot as soon as I was aware of what was happening at the time of order.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
What happenedDescribe what happened so we can understand the issue ... 

Saturday XXXX XXXX, XXXX and major complaint. Previous complaints addressed harassing phone calls. You stated that no more phone calls. I was awaken at XXXX Hawaii Standard Time by a phone call from your representative. Message from Representative XXXX XXXX, to call her at XXXX XXXX. 
Please answer the following questions to include unresponsive answers to previous complaints. 
1-Is this a harassing phone call. Simply answer Yes or No and what is going to be done to stop harassing phone calls. What is the violation and civil penalty if this occurs again? 
2-You all keep changing enterprise representatives on me. Please respond with name of representative to contact by email. Your phone calls are not resolving our issues and my complaints. I previously ask for email address for Representative XXXX XXXX to resolve our issues and complaints. You all have be non-compliant. Please email me his email address. If not, please explain why I can not get his email address to resolve all issues and complaints. 
3-I ask for the mailing address to mail XXXX form to receive {$500.00} signing incentive for partial claim. Please respond with mailing address to include attention what department. 
What if any is the money incentive to re-sign modification documents? Yes or No. If so how much? 
4-You responded that I am not required to re-sign loan modification documents. You also stated that my modification terms will still remain in effect. You further stated by not re-signing loan modification, it may cause difficulties in the future if I attempt to modify, refinance or the sell the property. 
Please be specific, not general terms as stated above, what difficulties I am going to encounter if I attempt to modify, refinance or sell the property. Please explain fully. 
5-You mentioned previously about recordation of modification. My questions to this still have not been answered. Where is modification recorded at. Name of agency where recordation is being done. Exactly what is being recorded? Who is doing recordation? Phone number to call to check on recordation. 
6-If you all address and answer my questions and concerns, then we can finally resolve all issues. It is up to you all to finally resolve all issues. Simply answer my questions and concernsThank you-XXXX XXXX to publish the description of what happened? Consent provided

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2020-08-15
Company: E*TRADE BANK
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is more of a harassment of phone calls. They continue to call after I have asked that they not call me anymore. They call about illegal access to my computer and want me to send them money to fix problem and I tell them I don't need their assistance and they ignore and continue to call and harassment me anyway. These calls are from a company called Etrade and their phone number is : ( XXXX ) XXXX Please help me with these unwanted calls as they will not listen to my requests to stop calling my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2009, my father was solicited to apply for a reverse mortgage. He was XXXX years old at the time. According to a Wells Fargo reverse mortgage bank statement we have, he was approved for a reverse mortgage loan in the amount of {$120000.00}. My father has since passed away and Wells Fargo is now trying to foreclose on his house. As the executor of his estate, I have spent the last few months requesting Wells Fargo to provide information that my father did in fact receive the proceeds of the loan ( e.g., evidence of wire transfer or a copy of cashed check, etc. ). To date, Wells Fargo has not provided any information. 

My father was a low-income, XXXX living alone on a fixed income. I believe he may have been targeted for an unnecessary loan based on his profile. I am concerned that my father did not fully comprehend the consequences of a reverse mortgage, nor did anyone at Wells Fargo fully explain the terms of the loan. Based on Wells Fargo 's unwillingness to share information about the loan, I question whether my father even received the full proceeds of the loan.

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 2020-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Transunion add someone else 's collection of {$5500.00} to my credit report. XXXX XXXX XXXX XXXX reported this collection ( Occured in XXXX, in XXXX XXXX ). I totally don't know this collection and I haven't lived in XXXX XXXX. And I am not in the US in XXXX. I disputed to Transunion, but they said the collection is accurate without providing any evidence. I am confused about that. XXXX and XXXX  supported my dispution and deleted the wrong information already.

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 2020-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The original creditor is also the collection company. I have made several attempts to get the collection depart to accurately report the account. I initially reached out to them notifying the joint applicant filed bankruptcy and its not reflected on the account. I was advised that I would still be held responsible for the account. At the time the balance reflected was {$440.00} charge off date was XX/XX/XXXX with the last payment of XX/XX/XXXX see attached, I ask could they remove it since joint applicant filed bankruptcy, the representative became irate and belligerent and difficult to communicate with, at that point I said oh well it falls off next year and you wont get anything the representative then replied will see about that and hung up. That was XX/XX/XXXX, the month prior I sent a request for verification and never got a response so after waiting thirty days I called. The representative has been inaccurately chafing information on the account since. Impacting my credit score and ability to maintain a good rating. I attached several documents as proof of my experience. The account was also changed from joint to individual and the representative recently reported that a payment was made within the last year which is also inaccurate

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 2020-08-15
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This is not the way to do business as your policy says that any account that gets locked by cash app so to that every account the user will be able to regain access within 24 hours back but in my case my account been locked since a month and its not the first complaint only I really got tired now for writing you the emails to unlock my account and Im not been able to see any response since a month and all my funds are stuck there and I have not been able to cash app all my money back into my account I have to pay my bills and dues and you didnt care about that neither you are responding on my case i guess you should return my money back as soon as possible and after that I think I should stop using cash app anymore in future and I think I want to share my experience with my friends and family so that they should also stop using cash app so that they will also not face the same problem please let me know as soon as possible when are you taking hold from my account so that I can use my funds back and I never face such a bad experience in my life and I got to believe now that this is one of the worst app that I shouldnt have used

Company response to consumer: Closed with explanation