BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I tried to apply for a loan modification and was turned down because I was n't behind in my payments. My property taxes have tripled and I was trying to get the bank to escrow the taxes and insurance. After speaking with them, I could not do either. I have had the mortgage since XXXX. On XXXX XXXX, XXXX, BOA called me at work to ask me when my payment was going to be made. It was supposed to be made on the XXXX, however, XXXX Bank scheduled it for XXXX XXXX ( XXXX day late ) because I missed the cut-off time for the payment to be made on the XXXX. I have never missed a payment in 20 years and this was the very first time I was late and not due to my fault. I am furious that BOA is harassing me for XXXX payment which will be made tomorrow, XXXX XXXX after 20 years of NEVER paying late. I want them to stop.

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 2017-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I had Savings Account with Capitol One Bank I opened it in XXXX almost one year ago. I put all my life saving in it because of their high interest rate at that time, Also I was preparing myself to move to XXXX and buy a house there. 
In XX/XX/XXXX I moved to XXXX after I sold my condo in XXXX and added the sales money to the same Saving Account. 
In XXXX I found my dream house and I paid {$10000.00} to a Title Company and the rest of the buying price would be paid at the closing date. 
In XX/XX/XXXX I closed my saving Account with Capital One and asked if it possible to send whatever left in my account to where I reside in my brother house in XXXX XXXX. They decided it 's not aloud and they will send check by XXXX in the amount left to the original address in their record ( XXXX ). 
Since XX/XX/XXXX until this day XX/XX/XXXX I have n't received the check in XXXX or in XXXX. Every day since I closed the account I call about 2-4 time daily trying to know the fate of the check ( My Money ) with no avail. In every call I have to spend 10 to 15 minutes only trying to convince Capitol one Bank agent on the phone, that is me ( XXXX XXXX ) who was talking and asking about his money, and always the call ending without reaching any conclusion or knowledge where about my money. I asked, since no one cached any check yet, if they can transfer the money to a new checking account I opened here in XXXX, they said NO, or if they wire it directly to the title company, still NO. I could not find any way or solution to have my life saving money back, still no help from anyone big or small and almost no communication with their way of communications in the phone. 
The closing date with the title company on XX/XX/XXXX that mean if I ca n't have my money to pay the rest of the house price to the title company by this date, I will lose the {$10000.00}, the house and all the money I spent so far to secure the loan ( Appraisal, Inspection, Pay Insurance for the house for the whale year, and many ... many more about {$5000.00} so far ) Please Sir/Lady ; I beg you try to find some way to let me have my entire hard earning money other wise my lost would be a disasters for one like me living only on his S.S. money ...!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received repeated calls from Aargon Agency regarding a debt due XXXX XXXX Hospital. The debt was paid directly to the hospital. I even provided a receipt to them from the hospital but they refuse to update my credit information that the debt 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 explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: MA
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 have been trying to rectify my credit for a few months now and I have reached out to Equifax about incorrect accounts reporting on my credit report and they failed to conduct a proper investigation in making sure that only accurate items were on my report. I have gone through the exercise of jotting down each inaccurate account on my report here in hopes that Equifax will finally fix them by removing these inaccurate accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
To whom this may Concern, My name is XXXX XXXX XXXX, and I 'm a member of the SECU. I reside in XXXX, NC. 

I 'm sending this email as my rights a as member have been significantly violated. On Friday, XXXX XXXX, I had someone deposit money into my account. They did n't have my account number, only my first, middle, and last name, along with my address to assure it went to the right account. 

They followed back up with a confirmation that they money has been deposited, and sent me a picture reflecting my balance in my account. I 'm livid right now, as it is no one 's concern as to how much money is in my account, and it puts me at a disadvantage when trying to have my privacy. I have dealt with SECU for a few years, and have even made deposits in other 's accounts, and I know this is not the proper protocol to expose my information. 

I 'm out of the country for the next two months, or else I would have visited the bank in person. I need to be communication with a Senior level or even corporate manager to notify them of what happened. The teller also needs some ramifications to take place on their part as I 'm a victim of having my information unwillingly exploited. I still have pictures on my phone reflecting the receipt the individual received before leaving the bank. 

I need to know my rights also as a member and potential compensation for my right being violated to ensure this does n't happen to another member moving forward. This has unfortunately put me in an uncompromising situation. 

Lastly, email right now is going to be the best form of communication, as I 'm in XXXX for the next two months.l Thanks,

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I applied for a student loan forgiveness program through a firm based out of XXXX, income based program said I did n't have to pay because I was n't making enough money. I had nothing to do with Navient and out of no where they starting sending me bills saying I owed way more than what I borrowed to go to school. XXXX credit reporting agencies have different amounts. They have me in defaulted status and are ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
The FNB 's online banking system is not stable, and it can't be open now while I am writing this complaint. So the below dates are what I remembered. 

Several days ago, around XX/XX/XXXX I wanted to transfer all the remaining balance ( around {$710.00} ) from FNB to my other bank. One or two days later, I saw a new transaction that FNB charged me a returned item fee ( {$37.00} ). I was surprised, then I noticed that they have a {$0.00} transfer fee that I forgot to deducted when transfer. So I immediately contacted FNB by phone and ask the representative if they can waive the fee. They said NO, they can't return any fee. So I asked the representative if I can close my account. The representative said YES, and requested me to send an email to her with my full name, address, and account number. After the call, I immediately send an email to her. But she send an email to me that she can not close my account because my address is different than the one on file. She will need me to go to any branch or send her a notarized letter. I sent her another email stated my old address and current address, and told her I updated my address in the system in the morning. Probably the system needs sometime to reflect my most recent address. So I told her that I will contact her again to close my account once my address is updated in their system. 

Yesterday, XX/XX/XXXX, I looked my account again, and found there was another {$37.00} returned item fee charged on my account. I don't know why FNB charged me again, so I wrote another email to the representative if she can waive the fee this time. Meanwhile I receive a message from FNB says my address is successfully updated in their system. So in the email, I also told the representative that my address is updated in their system, I would like to close my account. The representative said the transfer was pulled again and NO, they can't return any fee. I was so disappointed and mad because I don't know why and who pulled transfer and why FNB charged me twice. The representative also said they can not close my account unless I go to the branch or send her a notarized letter. I don't understand why they want me to do that even my address is successfully updated. Btw, the closet branch is 1 hour and 30 min away from me, and I don't want to spend more money and time to have a notarized letter. I am really upset and don't know what I can do to close my account. I can not believe that I can not close my account simply because I updated my current address in their website. I also don't now why FNB charge me twice the returned item fee and if they are going to charge me again and again even I didn't transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I tried to get a credit report on-line and went directly to the web site of Transunion, thinking I was asking for my once a year free report. I was filling out a form when it disappeared and I thought an error had occurred and I would try again another time, or that I 'd receive my credit report in the mail. ( I did not realize this was an on-line report. ) I did NOT receive ANYTHING from Transunion - no credit report, no confirmation of any 'service, ' and no confirmation of any charges. Upon receiving my credit card bill, a {$1.00} charge ( on XXXX/XXXX/16 ) and a {$19.00} charge ( on XXXX/XXXX/16 ) showed up. When I called Transunion to ask about these charges, the C S Rep informed me I had signed up for a credit monitoring service and the {$1.00} was for the sign up, and the {$19.00} was an on-going monthly charge. I asked why I would do that since I knew I could get one report a year, free, from each of the XXXX agencies. I informed her that I had received no confirmation of signing up for any service, nor had I received confirmation of any charges to me. She said she could cancel the monthly service, but that she could n't refund the charges already made. She also told me I should have gone to XXXX for my free report, but I told her I did n't know that. I told her I would deny the charges, but then decided I should also file a report to explain what happened. I 'm XXXX years young - I certainly do n't need my credit monitored at my age!

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 2021-07-28
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Hyundai XXXX Finance Title Problems : I have been waiting for over 2 months Hyundai XXXX finance release my title. I purchased my vehicle XXXXat the end of lease, confirmed they received the check full amount {$29000.00} of purchase price on XX/XX/2021 and sent the odometer by mail and email 3 times. 
Also called the XXXX XXXX XXXXXXXX ( XXXX ) several time and received email from XXXX XXXXXXXX that they would be sent out the title 3-5 business days. No response! 
XXXX XXXX told me that my odometer was not signed, not true, the other XXXX and XXXX says they have staffing problems etc. so many excuses. 
They emailed me they forwarded my email to Lease Buy out Team, No Response! 
I complained to my dealer at XXXX XXXXXXXX XXXX XXXX, No Response! 

Hyundai XXXX doesn't care about customers once they finished the Lease. 
Please help me to get the my Title release from Hyundai 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 2015-05-08
Company: Dyck-O'Neal, Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it may concern, This concerns Dyck O'Neal collection agency. 
In XXXX of 2015 I was told by phone that I was past due on an account. 
I had become late on monthly payments of {$77.00} to the XXXX XXXX Mortgage XXXX. My past due amount was appx {$2400.00} according to Dyck O'Neal in XXXX of 2015. 
On XXXX XXXX I made a {$250.00} payment online. 
The XXXX statement reflected that payment and stated I owed {$2400.00} ( past due ) plus {$230.00} in late fees for a total of {$2600.00}. 
On XXXX XXXX, 2015 I called Dyck O'Neal to make a payment to be current. I was told on the phone that to become current I had to make a payment of {$1700.00}. I asked several times if this was correct and I was told several times this would bring me current. I made the payment over the phone for {$1700.00}. 
The XXXX statement reflected this payment but nothing was applied to late fees. The amount owed was shown as {$690.00} plus {$240.00} in late fees for a total of {$940.00}. 
( {$77.00} was added to each statement as that was what the monthly payment is suppose to be. ) On XXXX XXXX I phoned Dyck O'Neal and asked how much did I owe to become current. The woman stated {$950.00}. I again asked several times, " will this bring me current ''. Several times she said " yes ''. I made the payment for {$950.00}. 
The XXXX statement came and it shows that only {$21.00} has been applied to late fees. It states I owe {$77.00} plus {$230.00} in late fees for a total of {$310.00}. 
Since the XXXX statement which showed that I owed {$2600.00} ( I do not dispute this amount ) I have paid Dyck O'Neal {$2700.00}. They are still asking that I pay {$230.00} late fees. XXXX they have told me on the phone that I am " current ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I did not receive a payday loan from anyone! I keep getting emails from ACE stating they are going to contact my place of employment and sue me ... ..I never applied or received a pay day loan!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Experian Information Solutions Inc.
State: PA
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:
In XX/XX/2021 XXXX/XXXX  's sent me a 1099C deeming the account settled in full, I have made several attempts since XX/XX/2021 to settle and pay this account. XXXX XXXX has continued to refuse my payments, the balance on this account must be brought to a XXXX  balance. A 1099C satisfies this debt and must be reported accordingly. I have started disputes with XXXX XXXX, Experian, XXXX  separately and to no avail. XXXX  is the only bureau to report this correctly after the dispute. Experian, XXXX and XXXX are still reporting the account to be {$7300.00} past due in XX/XX/2021.

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 2021-07-28
Company: National Credit Adjusters, LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The account was paid to be deleted but they didnt delete it. I disputed the account and the response was I still owe the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
On XXXX XXXX 2015 I was contacted by " XXXX XXXX '' stating I was being sued by Shell for an unpaid credit card balance from 2003. I was told if I did n't pay I would be taken to court, sued, lose, and have to pay the dept anyway plus court fees. I am not privy to consumer law so I paid the balance because I did not want to deal with the courts. I do n't remember the person I spoke with but I do have contact information for the " XXXX XXXX '' based in New Hampshire and a debt collection satisfaction letter from the " claims department '' which I paid {$310.00}. The letter itself has the name in quotations. I should have researched it more but I was threatened to make a decision in one day. This company also had my personal information and social security number. As I learned more through my lender she stated this was done illegally ; that this " group '' used unfair, deceptive and unreasonable collection practices to re-age a credit card debt, which according to the FTC was time-barred debt. I am writing to dispute this and have it removed from my credit report as it is preventing my wife and I from refinancing and buying a new home. I feel as if I were well informed and went to court ( assuming is was actually a real and legitimate case ) that this would have been resolved and this negative item would have never reached the bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: Paypal Holdings, Inc
State: MI
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
A guy was offering a service for a game. It turned out to be a scam after he had a buddy and myself send him money on paypal thru the friends and family way. But once he received the payment he stopped communications but has contacted others during this time. Have all the proof from the conversation and also have my buddies from them talking at the same time as he was avoiding me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately and updated or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: MA
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:
I filed a dispute with XXXX, Equifax, and XXXX regarding incorrect information on my credit report. I have not received a response regarding incorrect information on my credit report being removed. I has been well over 40 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
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: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries are unauthorized and affecting me to get credit. I am in the military and this is defamation of my character. I am not searching for credit. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/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