BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-15
Company: SUMMIT FUNDING, INC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2017, I bought a house in XXXX, TX. I used Summit Funding as my lender. They failed to evaluate property tax correctly and therefore our monthly payment is $ XXXX more than projected. The previous owner was a senior, over 65 and therefore had a " senior exemption ''. I'm in my mid XXXX, it is obvious that I will not qualified for the same exemption. Summit Funding failed to calculate this and projected escrow to be a lot lower than it's supposed to be. This incompetency seems to be calculated to enticed the buyer into accepting the deal because of a lower monthly payment. 

I understand that the perfect final amount is not possible to calculate at time of closing. However, off by {$250.00} a month, over {$3000.00} a year in property tax is very significant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Inaccurate items on my credit

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 2020-01-15
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
I have opened the Citi Double Cash Card on XX/XX/XXXX, I have waited for two weeks but nothing in the mail, so I called Citibank about the issue I have and they told me the card has been activated and has charges on the card. Here is the problem, I never receive the card, so those are the unauthorized charges. I filed the dispute and asked them to send me the new card, when I get the new card I activated it and set up the online account but I still see the unauthorized charges amount ( {$490.00} ) on my card. ( They didn't credit me back ) So I called them again about the issue and they said the team is still investigating the case. However, on XX/XX/XXXX I received a letter from Citibank about the case and they said they concluded the investigation and it wasn't enough to support my claim. I have waited and called them so many times after the first call, but still nothing is solved.

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 monetary relief
Consumer complaint received 2015-08-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Today XXXX XXXX was attempting to make my monthly payment to my HSBC Platinum Credit Card. Then I get this ridiculous error message : " *You may submit a payment for Today until XXXX MST. '' At the time of my payment it was XXXX EST which would make it XXXX MST plenty of time you 'd think for me to submit payment, right?????? BUT NOOOOOOOOOOO!!!!!!!!!!!! Even though minimum was not due today I make the effort to call HSBC to settle the score. What followed for me was a nightmarish series of questions when even though I had established my ID the indignant HSBC rep proceeded to ask me if I have any other bank accounts ; if I have direct deposit and if so whom it 's from and for how much. ALL THIS BECAUSE THEIR BACKWARDS SYSTEM WOULD NOT ALLOW ME TO MAKE A PAYMENT!!! 

This is a tale of horror from an indignant banking institution that needs to understand what good customer service means and not proceed to torture a paying CUSTOMER WHO WANTS TO SETTLE HIS BILLS!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is a complaint about Honda Financial Services, who is the lender for my car loan. In XXXX XXXX XXXX, they updated their website which required everyone to make new accounts to be able to log in and pay bills. I had submitted my payment right before this transition, and apparently the payment did not go through. They did not, however, make any attempt to contact me or email me notifying me that my payment had not gone through. I was then unable to log in and check the status afterwards. They then reported my payment 30 days late which negatively affected my credit score. I tried to contact them and explain my situation, noting that I had never been late before even during COVID, and they refused to work with me and remove the derogatory mark on my credit report. I then requested to be contacted by a supervisor to talk more about my account, and she claimed that they had tried to contact me and when asked to confirm information she had incorrect contact information on file. I am disappointed with Honda 's lack of effort and willingness to work with their customers. I would not recommend financing a car through this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a difficult time paying online. The people at this company acted so unprofessional and unhelpful. I spent hours talking with different people and no one could even verify that I had previously called. My payment ended up being late and extra charges were uncured. They hung up on me. They promised to call me back and never did.

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 2018-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2018, opening my email I discovered a notice from Bank Of America confirming a XXXX dollar transfer to XXXX XXXX. This was not authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-27
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Midland Credit Management contacted my home phone number. I did not answer nor was I home. My mother answered the phone and the collector assumed that it was me that answered, addressed my mother by my name, and proceeded to tell my mother about the debt and that there is a potential lawsuit. There was an apparent aggressive tone and my mother stated that she had to talk over the person to tell her that she was not me. The collector never asked for any SPII to confirm that she was speaking to the correct person. My mother did not share any other details of the conversation other than the collector asking for additional contact information for me or husband ( which I do not have ). The call was received on XX/XX/2021 at approximately XXXX EST.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Late payment was addressed as a computer gliche and a letter was written to company explaining as they had requested. My father was the cosigner on the loan and was affected by this. Once explained this was removed from his credit report and the account was paid in full to prevent any further issues. The letter was faxed on XXXX/XXXX/14 yet my credit was not adjusted and my fathers was. NJ Class Loan HESAA is the account in question

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 2020-01-15
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have seen collection on my XXXX credit report and I have called the company to figure out what is it and why it is on my report as I have not received any kind of service which collection describes. Collection company have false information ( might be because of the same last name ). I have tried disputing with XXXX but I doesn't allow me to do it online and I have tried calling it many times but not getting any response from them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I spoke to an Equifax dispute rep today as well as a supervisor about an account that are still reporting inaccurately on my consumer report. I also explained that the accounts should be deleted as they are inaccurate. Account # XXXX - XXXX XXXX XXXX let me know they could not verify the debt so they requested to delete the trade-line. XXXX and XXXX have deleted XXXX XXXX XXXX. Yet, Equifax has not. Also, while on the phone with a supervisor explaining this at Equifax, I was hung up on. This is far from okay and I will be seeking out a lawyer to address the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
USAA Federal Savings Bank has been sending documents to an incorrect address. My physical address is NOT my mailing address. On XX/XX/XXXXUSAA purportedly sent notice that I was a co applicant on a loan. This letter would have been returned to sender. However, had I received the document I would have discovered that the information was incorrect and could have avoided what has transpired inXX/XX/XXXX. <P/>Attached are all relevant documents that USAA Federal Savings Bank has provided to date. I was also expecting copies of any and all documents substantiating that I am in fact a co applicant. All documents provided are unsigned and have a street address where I live but can not receive mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
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 status incorrect

Complaint:
I am attaching STATEMENTS showing AMOUNT DUE, under the promised HARDSHIP PROGRAM after diagnosis of XXXX  XXXX XXXX in XX/XX/2018. Company agreed to place me in the HARDSHIP PROGRAM XX/XX/2018 and remove all late pays. They then went on, after meeting my ON TIME obligations to close my account. 

BLACK AND WHITE in front of you. PAYMENT DUE DATE. PAYMENT MADE BEFORE DUE DATE. I was never late. You need to remove all late pays for XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Experian Information Solutions Inc.
State: NC
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:
Bankruptcy Dispute : It was requested that the Credit Bureaus provide information of how they verified the bankruptcy they stated was verified by the furnisher being the court house. I requested : 1 ) The Name Of the Court House 2 ) the name of the individual/person they verified the dispute with 3 ) The address 4 ) The Phone Number 5 ) The documentation used to verify the dispute letters attached XXXX  and Experian are fraudulently reporting this bankruptcy and the accounts attached to it. The North Carolina Bankruptcy court mailed certified, signed and stamped letters to me. These letters confirm that they have no relationship with any of the three credit bureaus and they do not verify with them directly. XXXX  and Experian have not verified this information with the furnisher as they stated and they have not provided the information I requested as to how they verified this information. ( Letters attached below ) XXXX  Has removed the bankruptcy as well as the accounts attached to it. ( see XXXX  removal document ) I DEMAND XXXX  AND EXPERIAN TO REMOVE THE BANKRUPTCY AS WELL AS XXXX  SCORE REWARDS ACCOUNT, XXXX XXXX   AND XXXX  XXXX ACCOUNT # XXXX FROM MY CREDIT REPORT IMMEDIATELY.

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 2022-06-18
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a Consolidation Loan that is serviced by AES. The loan has a subsidized portion and an unsubsidized portion. I am ahead on my monthly payments. I usually make monthly payments of {$460.00} in the middle of the month. Prior XX/XX/2022, AES would apply my monthly payment to both the subsidized and unsubsidized portions of the Consolidation Loan. However, starting XX/XX/2022, AES now only applies my monthly payments to the unsubsidized portion. On XX/XX/2022, I called AES because I noticed that the new method of applying my payments is resulting in a much smaller portion of each payment going toward principal and a much larger portion of each payment going toward interest. I spoke with a customer service representative ( XXXX # XXXX ) who acknowledged the issue and agreed to put in a request to have the allocations from XX/XX/2022 reversed and reapplied using the old method. She also told me that, in order to avoid this from happening again, I could email AES with " standing payment instructions '' to apply my payments the way they were applied prior to XX/XX/2022. I followed her suggestion and emailed AES. AES emailed me back saying I needed to " submit detailed instructions ''. ( An email string showing my email to AES and AES 's response is attached. ) I don't know how to make my instructions any more detailed than the ones that were contained in my original email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2019 a charge for XXXX caused a XXXX over draft and fee and on XX/XX/2019a charge for XXXX caused an overdraft fee. I am XXXX years old and live alone on ssi for XXXX my rent is XXXX, i live in an senior   living facitly. I cant afford these fees but need to live as well. The XXXX charge was for XXXX which i have cancelled mutlitple times and they continue to bill. I attempted to get the fees removed but was refused and told i could not close acct till i paid fees The bank in Question is BB & T

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 2020-08-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
The action that I took was I first call the credit card issuer company ( Citizens Bank ) and dispute all my charges that I didn't regonize and ask them to cancel my credit card on XX/XX/2020. The amounts is for {$7100.00} The credit card company went through one by one trasnaction and dispute the one that I didn't regonize, the person told she will mail me a new statement with the transaction that I had made and issue me a new credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to my FCRA rights based on 15 U.S.C 1681 Section 602A and 15 U.S.C 1681 Section 604 Section 2, I have a right to my privacy and any consumer reporting agency can not furnish an account without my written instructions and the following have violated my legal rights based upon FCRA. 

XXXX Account # XXXX Dept Of EdXXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXX Chapter XXXX bankruptcy discharged Case # XXXXXXXX XXXX XXXX  Account 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 non-monetary relief
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: GA
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:
Experian, XXXX, XXXX Hard inquiriesXXXX 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, this was all pulled and added to my credit bureau without my wrighten consent and has violated my rights of privacy.

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 2015-10-15
Company: Helm Associates
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
TO WHOM MAY CONCERN MY NAME IS XXXX XXXX, IM WRITING THIS DISPUTE WITH HELM ASSOCIATES # XXXX 'M REQUESTING TO HAVE THIS ACCOUNT REMOVE FROM ALL TREE CREDIT REPORTING AGENCY.I NO LONGER HAVE AN ACCOUNT WITH HELM ASSOCIATES.I HAVE RETURNED THE XXXX GRAND MARQUIS.I PAID XXXX FOR IT AND THE BLUE BOOK VAUE IS BETWEEN XXXX TO XXXX.THIS COMPANY IS A RIP OFF, I DONT OWE THEM ANY MONEY. HELM ASSOCIATES WORKS WITH XXXX, THEY ARE GIVE THE CAR BACK TO XXXX TO SELL AGAIN.MY DEBT I HAD WITH HELM ASSOC IS PAID IN FULL.PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT FILE AS SOON AS POSSIBLE.THESE CARS ARE OUT DATED AND BARELY RUN GOOD.PEOPL ARE BEING TOOKEN ADVANTAGE OF.THIS IS NOT THE FIRST COMPLAINT AND I DOUBT IT WILL BE THE LAST.I SPEND TO MUCH MONEY ON XXXX COMPANY HAS CAUSED ME TO BECOME HOMELESS.THEY ONLY OFFERED TO TRY TO GET ME TO KEEP THE CAR AFTER I WAS ALERTED ABOUT HOW THIS COMPANY IS RIPPING PEOPLE OFF.ITS A SHAME AND SOULD BE AGAINST THE LAW FOR THEM TO WORK WITH XXXX ANS SALE THESE OLD RUN DOWN CARS. I THINK THE XXXX SHOULD KNOW ABOUT THIS COMPANY AND SHUT IT DOWN.I DO NOT OWE HELMS ASSOC ONE CENT.I WAS TOLD THAT CAR WAS WORTH XXXX AND NOT EVEN WORTH A TRADE. PLEASE REMOVE THIS FROM MY CREDIT FILE. THANK YOU COMPANY HELM ASSOC XXXX XXXX XXXX XXXX PA,XXXX 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 2017-11-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I have a mortgage with Chase bank. They collect money and hold in escrow to pay our taxes and homeowners insurance. 
- On or about XX/XX/XXXX, I called Chase to ask them to pay a supplemental tax bill in the amount of {$2000.00} from our escrow account. They paid it. 
- In addition, they paid a second supplemental tax bill in the amount of {$11000.00}. They paid this without our consent, authorization, or knowledge. 
- This payment resulted in a shortage in our escrow account of - {$4200.00}. 
- Our monthly payment includes {$1100.00} in escrow collection, so by maintaining our regular payment, we would replenish in the 4th month - so by XX/XX/XXXX we would be positive. 
- However, they made an error in our escrow analysis. They accounted for paying the taxes they had just paid ( a payment in XX/XX/XXXX and XX/XX/XXXX ). Taxes are paid in full through XX/XX/XXXX. 
- Based on that error in escrow, they recalcualted our payment to {$6800.00}, {$1000.00} higher than our regular payment. 
- We paid our XXXX payment on time in the regular amount of {$5700.00}. Chase will not process it, because we did not pay the additional {$1000.00}. They are instead holding our money in a " suspense account. '' **How is it legal to refuse to apply our money to our mortgage account?? 
- I have called 4 - 6 times. Chase understands that no taxes are due until XX/XX/XXXX. They understand the escrow analysis is inaccurate. 
- I called again yesterday and was told they will report our mortgage as unpaid. We will have a mortgage late on our credit, which will RUIN our credit. 
** Chase is holding our FICO score hostage to collect money that is n't required. The errors are on their end, admittedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I applied at a bank to pay off a heloc loan at citizens bank. A certified check was sent with payoff of {$120000.00}. The check was received at citizens on  XXXX / XXXX / 2017 . I called for 7 days to see if they received it but they just kept saying no. So i got a tracking number ro prove it  WAS  received  XXXX / XXXX / 2017 . They finally paid the loan off but charged me interest thru  XXXX / XXXX / 2017 . I called to inquire and all they can tell me is they charged me thru  XXXX   XXXX  with no regard for receipt date. They also charged {$49.00} FEE which i have no idea what it is. They charged {$350.00} early payoff fee but i dont know what the {$49.00} fee is. I can not get any answers.

Company response to consumer: Closed with monetary relief