BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-17
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX 2016, I decided to take advantage of A {$200.00} Huntington Bank promotion for opening up a checking account and depositing {$1000.00} within 60 days. After I successfully competed the application process, part of which was verifying my identity using my Drivers license ID number. The Huntington website then took me through an additional identification process by asking me questions regarding my past. I answered all 4 questions successfully. However, this still did not satisfy the process and I was asked to go into a Huntington Branch with my ID. 
On XXXX XXXX I walked into the Huntington Branch at XXXX Mi. XXXX. The teller completed my identification request and updated my application. It was approved and my account opened at which time i immediately deposited {$1000.00}. 
As of XXXX XXXX, 2016 I have not received my {$200.00}. I have contacted Huntington numerous times and they refuse to honor the promotion. They imply that when the teller updated my information it altered the original application to an on sight application. The promotion only honors " online '' applications. That is not my fault and is then a Huntington error. My original application was online. Huntington Bank directed me to go to a branch to complete without any indication doing so would alter the original application. 
For Huntington to refuse to honor the promotion is insane As for my family military status : there is no code displayed that correctly identifies my Brother : XXXX XXXX, he was special forces and all other information about him is classified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I went to Ace on XX/XX/26 for a {$700.00} loan and was given 3 XXXX 4 $ XXXX and 10 XXXX. When I went to the ATM machine about an hour afterwards it wouldnt accept all the bills so I tried another ATM machine about an hour later. Again it wouldnt take all the bills so I only deposited what it would take and spit 1 {$50.00} bill out. When I looked at it noticed its a counterfeit bill and when I tried going back to ACE they were already closed so I called first thing next morning. They pretty much told me it was my problem and I insisted to file a complaint but nobody is calling me back. That store needs to be investigated because they either accepted counterfeit money or have illegal activities going on. Please help me because {$50.00} is a lot for me to lose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have credit monitoring and I just got alerted that as of the day of this complaint, XX/XX/2022, XXXX alerted me of a new hard inquiry from XXXX XXXX XXXX. 

I can 100 % confirm that was NOT me. I have a car and I have been working all day. 

This is clearly fraud and I need this removed ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-01
Company: Seattle Service Bureau, Inc
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got in a wreck on XXXX XXXX. It was a head on collision. I had a XXXX behind the wheel, crossed over the median and hit a car head on. I was driving my roommates car and there was n't insurance on it. I have paid all my court costs and everything that I had to do. And now these people are sending bills to my brothers house asking for {$27000.00}. It has both mine and my old roommates names on it. But what I 'm not understanding is how my roommate was able to get another vehicle from the same place that the car that was wrecked was from. And how she was able to get the wreck taken off of her credit. But yet these people are still asking for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Early this year on XX/XX/2020 I went to XXXX XXXX XXXX  XXXX  in XXXX XXXX and spent {$600.00} on one room and an additional {$600.00} for a second room all purchased using my Citi Prestige card. When I arrived to the hotel they treated my friends and I very poorly and thus decided to stay elsewhere. Before leaving, I spoke to the manager of the hotel, XXXX, and told her that we would not be staying at the hotel and to please cancel the hotel reservation and she confirmed that she will cancel the reservation. I took her number down as well. 

When I checked my Citi credit card statement the XXXX XXXX charge was not reversed and then I asked Citi to dispute the charge. I found out on XX/XX/2020 that the XXXX XXXX charge has been placed back on my card. Citi said that the merchant responded to my complaint, but when I opened the documents associated with this " response '', the response came from XXXX and it did not come from the original merchant which is XXXX XXXX. This was apparent for both open disputes where the merchant that responded was XXXX. 

Again, XXXX is NOT the merchant - XXXX XXXX IS the merchant. The dates the amount spent and merchants DO NOT align. 

What XXXX did is fraud and I need Citi to reverse the charges on the card and Citi needs to have their documents properly in place. 

I will attach all the recent documents from my Citibank account that reflects Citi 's two letters to me ( one for each case ) and the two attached incorrect merchant responses ( one for each case ).

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 2016-09-13
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They are collecting for a dept I dont owe We showed proof to CBSA solutions collections agent that the information they had was false they said they dont care I moved out of there clients apartment XXXX XXXX XXXX they the show a eviction notes said was had delivered to us from there client at so said address we were not even there at the address at that time we have moved to new address the XXXX XXXX XXXX falsified a collections we have proof we no longer lived there at said time and they said they dont care sue them.The XXXX has and is trying to charges for rent for XXXX XXXX when we showed proof we moved out before the time they said we owe for and that we even had power and turned off there and on at new place XXXX XXXX XXXX they said they dont care. 
They have statments my new land lord saying they new I was in new place on the XXXX XXXX they were here talking with us then I left to return the uhal from the move they sent all information to the address of the old place till the collection agent sent information to the address XXXX XXXX XXXX and prayer in XXXX XXXX XXXX sent me papers to my new address after the collection was processed. Still they said they dont care sue.them Then they Collection agency said they refuse to investigate on a dispute the problem. 
Then they said That my information I sent them is correct but they dont care. Still to this day I have been sent nothing by XXXX Tx housing housing or the collections agency. 
and or my deposit received nothing found out when are credit was ran from another company for credit on me and my wife 's credit shows this mater

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Debt service trying to collect for XXXX Transportation Department before a law suit is filed. 
The number they tell me to call back is XXXX and the case reference number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Privacy

Complaint:
After my recent divorce I changed my name back to my maiden name. On XXXX, 2016 I called Capital One credit card to make the change and was told that I had to speak with a supervisor. When I was connected with the supervisor I asked why I needed to speak with her and was told that there was a Cease and Desist order on my account by an attorney XXXX XXXX. They could remove immediately, of course. This was my ex-husband 's attorney. I asked how this attorney could do this when my ex-husband had no financial ties to this account nor had I been notified that this order was being placed on my account. While looking for the information I was disconnected. I spoke with my attorney the next day and she was very upset that this had happened and told me Capital One had no right putting the order on my account. She asked me to get a copy of the order. She is contacting the other attorney and getting information from that end. I called Capital One back on XXXX XXXX and after a lengthy on-hold I was told they could not find a written copy of the order, that it must have been given over the phone " verbally ''. I could however make a request " in writing '' that they continue to look for a written copy. When I asked them to explain exactly what this Cease and Desist order was they were very vague and what they told me made little sense. I feel as if my privacy was seriously invaded and I will be cancelling this credit card as I no longer feel safe with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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: Problem with personal statement of dispute

Complaint:
Company will not remove account from my credit report even after I submitted documents proving account has been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
Company will not remove account from my credit report even after I submitted documents proving account has been paid

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 2016-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have had my capital one Mastercard since XX/XX/XXXX and the payment protection plan but was never told of the benefits and I was out of work from XX/XX/XXXX until XX/XX/XXXX. Then thought it was cancelled but it never was. I called in XX/XX/XXXX when XXXX but was never told about unemployment or XXXX protection just hardship. 

I also have a journey card have had for past 3.5 years. I had plan put on that but when I called today it had never been activated. When I called today because I have been out of work still for XXXX and unemployment they said I was never put on and that ca n't get anymore. 

I really need and needed the help to pay with bills and credit cards since had to put food and things on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In reference to dispute number XXXX This company has stated that it has verified the debt that they claim I owe. I am requesting the CFPB to hold this company liable of identity theft if they are not able to produce the following. 

1. A sworn statement by me giving permission for this company to report this alleged debt.

2. A copy of my wet signature showing that I agree.

3. Any letter showing that I have given this company permissible purpose to report this.

If this company can't produce this then they have stolen my identity to create a false debt without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I used to have XXXX  back in XX/XX/2014which have been paid and closed that year, i would like this information to be removed from my report since there is no problem with that account, and i am having very hard times getting credit or loan from other companies, i kindly ask XXXX  XXXX XXXX to help me in my hard situation. Account number was. : XXXX 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 2020-04-10
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I used to have XXXX  back in XX/XX/2014which have been paid and closed that year, i would like this information to be removed from my report since there is no problem with that account, and i am having very hard times getting credit or loan from other companies, i kindly ask XXXX  XXXX XXXX to help me in my hard situation. Account number was. : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is an account with Commonwealth Financial showing for some type of medical provider a XXXX XXXX XXXX and I have not had any type of medical emergency in over 7 or 8 years. This is not mine and I have no idea why it would be listed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Issue: APR or interest rate

Complaint:
In XXXX of 2013 I applied for a " Sony '' card with Capital One after watching the TV show XXXX. I was going to have a XXXX in up coming XXXX and I was going to need a new recliner to assist me in the first month or so of healing. I was grateful for the card and there was no interest for the first year. 
My first several payments were substantial, and they almost immediately raised my credit limit from {$500.00} to {$3500.00} within two or three months of my making payments well over the minimum. 
Now I live on a fixed income and this card was tempting to have because many months I have to resort to using the food bank just to have enough to eat each month, so I used the card, and I used it often. Now my balance is over {$3000.00}, but I have managed, with the help of taking in a boarder to increase my income and therefore continue to make hefty payments every month. They are XXXX, XXXX and sometimes XXXX times the minimum required. My interest, once it began to kick in is 24.9 %, yet I keep making the big payments. It is hard to get the balance paid down to a reasonable amount because of this hefty interest. I have called XXXX times in the last almost two years, trying to get them to lower the interest rate, but each time they tell me no. They tell me that the interest rate only goes down with " special offers '', yet in the almost two years I have had this card and been paying huge payments, I have never been offered a lower interest rate. 
This company is raking in XXXX, yet they ca n't lower my interest rate from 24.9 %? I am on social security and only earn $ XXXX month. In the winter, when my heating bill rises to over {$200.00}, my average cost of living per month goes from just over {$770.00} to well over {$920.00} and that leaves very little for gas and groceries. I also receive food stamps, but for some reason, I only qualify for {$15.00} in assistance, so that is not of much help at all. 
Why wo n't this company reduce my interest rate? I have proven that I can make adequate payments, even on my limited income, yet they refuse to decrease their profit margin made on the back of some poor XXXX retired XXXX. I think it sucks ... ..but it sure seems to reflect the greed and avarice that permeates the climate of this country as of late. 
It will take me years to pay this off at this enormous interest rate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-19
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
in XX/XX/20 during pandemic my mortgage loan fell behind and I was given forbearance plan. My husband and were both on unemployment income and were not able to pay the mortgage, once we returned to work, I asked Mr. Cooper who was my lender at the time, for a loan modification, and was denied, then I asked for repayment plan and during this time, the loan transferred to Rightpath Servicing, the clock started over and they reviewed my account for loan modification and was denied again, their reason was that the monthly payment would be higher than it is, I kept saying I can afford higher payments, but I was still denied, then I have saved up {$70000.00} towards the past due amount and offered that but again, was denied. I am turning to you for help, I have {$70000.00}, my past due amount is {$130000.00} and I have asked for a XXXX  month payment plan for the remaining balance, I was denied, they said either all the past due or they will foreclose. I have a XXXX son and I am XXXX XXXX survivor and are unable to move in this bad economy. Please help me save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX aggressive debt collection became deceptive and dishonest. Resulting in incorrect negative credit report. 
XXXX XXXX deceptive collection activities allowed for a specified number of days to pay outstanding balance before sending the account to collections as per their billing statements. 
XXXX did not honor their disclosures and pushed my account into collections, resulting in the incorrect information reported on my credit report. I requested my service to be disconnected for the reason of going with their competitor. XXXX never closed my account and allowed it to run into disconnection for non payment. Once XXXX was advised they were in error, they continued to treat my account as a non payment, and the amounts were not correct, and have not been given a clear amount due as of yet. XXXX did send an adjustment amount, which I could not verify as valid. XXXX never advised me the account was going to collections, XXXX sent XXXX letters for demand of payment, both were for the wrong amount. 
Clear violation of the FDCPA 15 USC 1692e at the least. 
The closing bill was never sent, the account was never corrected from disconnection for non payment to consumer request to close and a accurate closing bill sent. Instead XXXX adjusts the erroneous inflated amount due to a lower amount and allows XXXX days to pay, without notice they send it to collection and way before the XXXX days were up as per their billing statement. XXXX was paid within XXXX days of receipt of the adjusted bill, which still is a questionable amount.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
ITS BEEN 60 DAYS NO RESPONSE AND ALL 3 BUREAUS ARE DISREGARDING THE LAW BY NOT RESPONDING TO CONSUMERS DISPUTES AND HOPEFULLY THIS WILL BE THE LAST TIME THEY DO THAT.

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 2016-04-27
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this with my XXXX XXXX XXXX XXXX. I have proof with the check that was sent to this company and its still on my account. I owed XXXX XXXX XXXX, and they sold my account to Franklin Collections. They say we didnt and i can upload it and they can talk to my banker as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We once had a XXXX XXXX account which was back from 2003, my wife remembers paying the balance off which was about $ 3k out of my bonus years ago. This company has been purchased by many different companies for example XXXX XXXX backed this account when we opened, then Capital One, then GE. We feel this debt was paid, we requested verification of debt, calculations and signed initial contract to make sure this is even our debt and nothing has ever been received. Not once were we called to even collect nor anything in the mail. The only time we knew there was an issue was pulling our credit which is now off because we disputed with the XXXX major credit agencies but this afternoon I received a XXXX claiming I owe and this company wrote off which we do not owe per our records. We need some help here. Please investigate and assist us, we have no where to turn to obtain some kind of proof.

Company response to consumer: Closed with explanation