BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-22
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a Home equity loan that was opened in XXXX XXXX. Huntington National bank has sent me a letter dated XXXX XXXX XXXX saying my ten years for my access of funds expire in four months. Then someone from Huntington calls me and takes my income information and sends me a letter that they need to get my income to debt ratio corrected. So they want to increase my credit line at a higher variable interest rate of 4.50 % presently 2.50 % and pay off my car and credit cards. It sounds good but they did the same thing last year and that guy said I did n't qualify for the new loan since I retired and so nothing changed, I could access my credit line and just pay interest if I want. Both time they said if I do n't get the new loan I will need to have a 20 year loan and pay monthly payments 5 times what I am paying now. I do n't understand why did n't this happen in XXXX XXXX instead of now? I told this last lady that I guy from your bank called me for the same thing last year but I did n't qualify for a new loan and she said well I will check but have not heard back from her about that. Just an email saying how happy she was that I was initially approved for the loan but needed to send in all my income proof. And another lady would be calling me. I just do n't understand any of this? Are they just trying to get me to pay more interest and a larger loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Netspend Corporation
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
My netspend debit card got unauthorized transactions for a hotel in XXXX which I do not have passport nor purchased a plane ticket..I had charges from XXXX XXXX.XXXX XXXX.i called the police as it was happening be they did not have a 24th our hot line called in the morning had card blocked was told charges was pending an they allowed the transaction to go thru days later after having my card blocked..I 've called several times an told different things an hung up on ... I am very upset I have bills do an need food for my children ... Please send a fax so I can fax documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: UT
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:
XXXX and the Bureaus are reporting an erroneous late on my credit file. Not only was I having issues making this payment online, I was not getting the help I needed to make this payment processed. It finally processed, but I was not late. 
I contacted XXXX, once I noticed this late on my credit file and they assured me that I was not late and they were NOT reporting a late on my credit file. But it is still showing. I have been with XXXX for a few years now and they have always been awesome. I know they will do the right thing. This is affecting my financing and it isn't fair to report erroneous information on someone's file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I believe this debt was the result of id theft. When I called the could give mo valid reason why it was not. Since I have a current account with XXXX and since iff any payment was not made on a pre- paid insurance account that insurance would have quickly became invalid and a non issue. According to the Southwest rep it would be simpler to pay a debt of {$60.00} then exercise my rights but I strongly disagree. I would like to see the signed contract with my signature witch this company has refused to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Southwest Credit Systems, L.P.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
wrong information on credit my credit report and they know it and will not remove it southwest credit systems credit reference number is XXXX and the creditor account number is XXXX this belong to a XXXX XXXX at XXXX XXXX XXXX XXXX maryland XXXX my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX will you please help me get his bill off of my credit report XXXX and south west has said this is not my bill

Company response to consumer: Closed
Consumer complaint received 2015-10-26
Company: Grant Mercantile Agency
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I called Grant Mercantile Agency debt collector to verify company since I never received a bill for this amount from XXXX XXXX XXXX. I have received and paid other bills that have come in the mail from XXXX XXXX XXXX. When I asked for the company license number I was put on hold and then told I was n't allowed to have that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with ARS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$950.00}

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 2016-01-25
Company: Southwest Credit Systems, L.P.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have continued for weeks calling Southwest Credit Systems to get the fraudulent account that was set up in my name cleared from collections. I have spoken to Southwest on two occasions to verify I have a fraudulent account. They have confirmed that I do have an account, every time I get transferred to the fraud department there is only an answering machine. I have left dozens of messages with the fraud department and they have not called me back. I am trying to get all XXXX credit companies to clear this collection account that was not made by me. I am unable to do so because Southwest collections will not work with me, or call me to work this situation out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-07
Company: Netspend Corporation
State: VA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I brought a XXXX debit card. I loaded XXXX on the card. At XXXX. I tried to activate the card.and was told I ca n't activate becuase there is a restriction on account. Representative said she will send a email to have it removed in 4 hrs. The next day I called to check on the status is the Restriction. The automatic machine allow me to complete activation. XXXX I finish it said my balance was XXXX. I asked customer service, they said it was a debit for XXXX i owed net spend from XX/XX/XXXX I have filed bankruptcy in XX/XX/XXXX and it was discharged. Also I do n't understand how I owe money on a pre paid card. When I asked for proof of debt they said they do n't have it. And to be honest the last time I hand net spend was in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-30
Company: Genesis Lending
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
I attended XXXX campus in XXXX XXXX to XXXX XXXX in the XXXX degree. I was forced to open a private student loan through the campuses financial company. They called it a Genesis loan. The loan amount was for XXXX. It was to cover the difference of tuition that my federal student loans did not cover. I currently have XXXX in federal loans due to this school that was found to have fraudulent financial practices such as inflating tuition and making students take out these private loans. I need help in forgiving this loan due to the fraudulent financial practices of my school.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I receive multiple calls per day. I know that collection efforts must take place between XXXX and XXXX in the recipients time zone and calls can not be made on Sundays. They are violating all of these.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Pono Ventures Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt can not possibly be mine. During the times that this company is reporting " Date Opened '' and " Date of Status '' I was XXXX in support of XXXX to both the XXXX XXXX XXXX at XXXX XXXX California and XXXX XXXX. I have disputed this account in the past and received no results.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
About a month or so ago I received a letter in the mail from Campus Partners informing me that my first post-deferment loan payment had been received late. Unfortunately, as a result of my move on XXXX XXXX, 2015, I did not receive their " attempts '' at getting in touch with me via the US postal mail. It was only after the change of address forms I submitted were processed that I received their late payment notice in the mail. I immediately called Campus Partners and they had the nerve to say it was my fault. Apparently I had only given 2 days to establish an online automatic payment, which was n't enough time for the bank to pay them on time. However, there is NOTHING on their website saying to give at least X number of days to set up an automatic payment or I would have called to make a one-time payment AND set up the auto payment for the following months. Consequently, I had thought that I had made the payment on time in a responsible fashion when in reality they received it a day or so later than the due date. I was hit with late fees and Campus Partners also notified the Credit Bureau of this " transgression ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Receivables Performance Management, LLC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is from XXXX that I looked their website but I did not registered as their member. They are trying to collect debt from me that I did not registered with them and did not get their dvd or service, etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Sending me bills for an unverified debt. I sent a letter by certified mail in XXXX of 2016 request validation of debt, a breakdown of amount owed, and proof of my signature from the provider giving consent to release my medical records. 

The only thing I received in return was the amount that 's owed and where to send the money to. The debt was never verified per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: GREAT LAKES
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I 've been paying {$400.00} to great lakes higher education to assist my son, XXXX XXXX, in paying his student loan. I 've made XXXX $ 400 monthly payments since XXXX 2016 thru my XXXX XXXX XXXX online bill pay account. XXXX XXXX XXXX has sent the funs electronically to Great Lakes after we provided an account number. The XXXX payment was never credited to my sons account. After multiple inquiries, Great Lakes told my son that they ca n't credit XXXX payment because it was sent to wrong address - even tho the funds were sent electronically. Great lakes was selected from XXXX website list of payees - there is no address or Great Lakes account to select or that could be selected incorrectly. Furthermore, great lakes says it will take 30-45 days to return the money. I canceled the XXXX payment on XXXX XXXX XXXX website but it was paid anyway ( I have no documentation that I canceled it, but remember doing so ). XXXX XXXX XXXX has made feeble attempts at solving issue, even though it appears they paid wrong account. XXXX XXXX XXXX essentially made one phone call in which great lakes refused to speak with them without me. I was never contacted to be on that call, but I 'm not even the loan account holder. I would like immediate return of XXXX and XXXX {$400.00} payments - {$800.00} total. And I would like some action taken that prevents companies from Great Lakes and XXXX XXXX XXXX from this fraudulent activity - namely, Great Lakes for taking my money and holding onto it for an unreasonable ( and probably illegal ) amount of time ; and XXXX XXXX XXXX for not restoring funds to my account after they incorrectly paid a payee. 

thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2016 deposited XXXX XXXX into our acct. @ TD Bank in the amt. of US {$5400.00}. On XXXX XXXX, 2016, noticed my acct. at TD Bank was debited in the same amt. To date no response after calling several times from either XXXX ( NY ) Branch Mgr., XXXX , or regional supervisor, XXXX XXXX XXXX What to do?. This is plain and simple : XXXX of my funds with no explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-26
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was reviewing my credit report and found a chargeoff for {$21.00} was reported, along with 60 months of XXXX 's for {$21.00} balance. I do n't have any record of them contacting me collections or otherwise. I feel like they may have bad email address and were only sending email notices. I was sure I had closed this account and had no balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-01
Company: ERC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX and I do not have a contract with ENHANCED RECOVERY CO L plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called collection to make payment arrangements. Was asked year I was born, from where the monies would come from and they needed bank information. They would do payment plan but I needed to give bank information so they can withdraw monies directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: Experian Information Solutions 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:
I have two hard inquires on my Experian credit profile, both for XXXX XXXX. One on XX/XX/2019 and another on XX/XX/2019 - the inquiry on XX/XX/2019 is a duplicate inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-14
Company: JPMORGAN CHASE & CO.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My purse was stolen on XXXX/XXXX/16 in XXXX, WA. We canceled all cards and closed our bank account with Chase and opened a new account. We also were told that there was a " flag '' placed on our accounts. The person who stole my purse did NOT have my social security number and only had the closed bank account number. She went to XXXX Chase bank branches in XXXX, OR four days after the theft and withdrew {$2200.00} and {$1400.00} against our NEW account. She did not have the new account number and Chase did not ask her to swipe a debit card or provide a pin number. The only item she had was my Driver 's license and Chase basically let her drain account in one day. Following the withdrawals Chase told us that we would not get our money back for 30 days and that we could not take the remainder of the money out. We had to call numbers of times, wait on hold for hours and hours. I emailed the CEO and called the Executive Offices to finally get help. We were able to get our money back in a week, but only because we were so vigilant. The overall issue that Chase gave XXXX of cash away to a person who did not have sufficient information and then failed to return our money in a customer service oriented fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My Mortgage serving was bought my chase after Washington Mutual failed. Since then I have had much trouble in securing information from Chase. Every time I ask for information from Chase they send it to my old attorney ( XXXX XXXX ) who is off the case since XX/XX/2015. Some information has been received that is incomplete and inaccurate. XXXX XXXX assures me that he has written to Chase many times asking for this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Dear Madam/Sir, Chase Bank cancelled my credit card then reinstated it via your help ( please see docs ). after reinstating, they are not sending my credit card statement hence creating a scenario of me defaulting. This is not a way to retaliate. Please help as I am becoming a victim here. Card # XXXX. 
Very Sincerely, XXXX XXXXc.c. XXXX XXXX Chase Executive Office

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
While on hold with XXXX XXXX reservations, I heard a Chase credit card offer for a card that would XXXX XXXX XXXX Mileage Plus points if {$3000.00} were purchased in the XXXX 3 months. The number to call : XXXX called that number, and was told no, the card provided XXXX miles if {$1000.00} were purchased in the XXXX 3 months ( still a good offer, I do admit ). When I asked about the discrepancy, I was eventually given a supervisor named " XXXX. '' XXXX told me to call a different number : XXXX. It turns out that number does not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-19
Company: JH Portfolio Debt Equities, LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Calling my son XXXX Trying to collect a debt that is mine and not his.. When i called to confront them, they would not provide my complete address. I will not give them ANY information. They are contacting me..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am getting the run around with mortgage settlement. I do not know where I stand because I am no longer receiving a mortgage statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation