BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-03
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I had a lease with Hyundai that ended in XX/XX/2019. I returned the car and everything was fine. I never heard from Hyundai again.. Then one day i get a phone call from a collector stating that i owe Hyundai {$430.00} for fees at the end of the lease. I immediately paid the amount they claim i owed. Then i went to apply for a mortgage and my credit score had dropped from an almost perfect 800+ score to a XXXX! I was extremely surprised and unaware why. When i looked into it, it was because Hyundai reported that i was 30 days late in XX/XX/2019, 60 days late in XX/XX/2019 and account Charged off in XX/XX/2019. I have NEVER been late on anything on my credit report EVER. Hyundai NEVER called me to let me know i was late or even owed them any money at all. I never got any bills in the mail from them either. This is not accurate information and is completely unacceptable.

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 2022-10-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my vehicle with Wells Fargo Auto in XX/XX/2022. The state of California holds my title because the vehicle was purchased there. Wells Fargo refuses to release their lien on the vehicle even though I paid it off over 3 months ago. I dealt with this same problem on another vehicle that I financed with Wells Fargo and it took them almost a year to get me my title. They sent me a payoff letter that says I have to contact the DMV directly to get my title released but I can not do that because they have not released their lien. Only Wells Fargo can have the lien released by contacting the CA DMV directly.

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 2020-12-01
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've seen no changes for the accounts that I have filed last month, I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We started to refinance our house ( s ) in Hawaii with Freedom Mortgage through a private broker in XXXX of XXXX. We finally signed on XXXX/XXXX/XXXX and Freedom Mortgage has still not paid off our loan or our other bundled pay offs with no communication as to why it was not paid. This has not only cost us money because some payments have now been double paid to not be late but extreme grief and hardship on my husband and myself. This process was to lower our payments and help us to make one monthly payment that was lower that the others. This company should be held accountable for their actions and the hardship they have caused to my family. We have an excellent credit rating, and have NEVER missed any payments to anyone.

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 2022-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to buy a car last year around XXXX of XXXX and they said my scores were XXXX low needed a co signer so I started checking my credit report. So I'm going to copy past into this. 
XXXX  XXXX  XXXX  # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , WI XXXX Loan Type : CHARGE ACCOUNT Date OpenedXXXX Responsibility : Individual Account Account Type : Revolving Account Balance : {$590.00} Date UpdatedXXXX Payment Received : {$0.00} Last Payment MadeXXXX High Balance : {$590.00} Credit Limit : {$300.00} Past Due : > $ XXXX< >Maximum Delinquency of 120 days in XX/XX/XXXX and in XX/XX/XXXX for $ XXXX< Pay Status : >Charged Off< Terms : Paid Monthly Date ClosedXXXX Remarks : UNPAID BALANCE CHARGED OFF Estimated month and year that this item will be removedXXXX I was incarcerated at this rime. 
I froze all my credit from XXXX XXXXXXXX sagestream core logic, ars etc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/12 I sent a complaint about Citi Bank ( ID XXXX ). 

Per the Citi Bank account 's response, I waited to receive a reference number to my address on file, but no such number every was received ( I have received my Citi debit card and account checks to the address ). In addition, after reflecting sending two forms of ID over the mail is not a safe or fair request as sending ID by mail creates an unnecessary identify theft risk.

As of now Citi bank has still not given me access to my funds or a reasonable and safe pathway.

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 2022-02-26
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX, XXXXBANK NEW YORK MELLON - DEPRIVE ARBITRATION RIGHTS OF DISPUTED DEBIT CARD CHARGE Bank New York MellonXXXX XXXX  XXXX have , wrongfully, deprived my rights to arbitration. I have tried to invoke my rights to arbitration to dispute a {$10000.00} charge for : *defective work ( libel/slander ), *billed charges for disputing libel/slander *work not requested, but charged - and XXXXwork requested, but not performed. 

There are countless Internet complaints against the law firm that made the charge - alleging similar, unscrupulous billing by this law firm. 

Bank New York Mellon stated in an email dated XX/XX/2022 : " Unfortunately, based on the merchants response we have no rights to continue and submit an Arbitration on your behalf. '' Bank New York MellonXXXX XXXX  XXXX have, wrongfully, deprived my rights to arbitration. 

I, certainly, question how many other consumers have been, wrongfully, deprived their arbitration rights by XXXX, Bank New York MellonXXXX ? 

I, respectfully, seek assistance from the Consumer Finance Protection Bureau to enforce my rights to arbitration regarding this $ 10,000+ matter. 

Thank you very much for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a phone call from IQ Data International at around XXXX XXXX on XX/XX/2019. I mentioned during the call I had not received an updated invoice for the amounts owed and that I wanted to see in writing an updated itemization because we had moved out. I informed the operator ( a female ) that I would promptly follow up upon receipt of the updated invoice. I even read to her correspondence from the original creditor where I specifically asked for an updated invoice but did not receive it. I explained I wanted to pay the correct amounts due. 

Nonetheless, the operator refused to send the updated invoice. She would only send it if I provided payment information. I told her I wanted to see the bill first to confirm it is accurate. During the course of the call, she began raising her voice. Not only that, but she made statements like " you're not going to pay '' and " we deal with people like you all the time. '' On the recorded line, I requested that all communication moving forward be made by written correspondence. I also informed the caller I was at work. She disregarded my requests and was shouting over me. 

There was no reason for hostility and my request was reasonable. The caller was unnecessarily rude, attacked me personally and was unwilling to heed my requests as required by law. I insisted I wanted to actually see a written invoice and that I would be in contact thereafter. The caller threatened she would, following the call, report me to the credit agency. At some point, I informed the caller that her company was subject to the Fair Debt Collection Act, yet she persisted with her aggressive and loud communication and her threats.

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 2015-04-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a terrible experience with being inappropriately charged with paying a recurring " ghost loan fragment '' on XXXX of my HELOCs ( Home Equity Lines of Credit )! 
There are XXXX concrete recent examples of my bank INCOMPETENTLY and INCORRECTLY servicing my HELOC payments : ( 1. ) Early this year, the bank incorrectly showed on my account statement, that my principal balance had been paid down to {$0.00}. In actual fact, they neglected to post an {$8600.00} transaction ( using a check to buy shares of a particular stock ) to my HELOC account balance. I repeatedly went to the bank and personally PLEADED with them to examine and find this amount! I was being completely honest and forthright with them! This was a serious bank error which would have been in my favor! My experience is that the Personal Bankers would say, " Oh, I 'm not in the Loan Department! That is not my responsibility! '' To make things even worse, they have recently revealed that my bank DOES NOT EVEN HAVE a PHYSICAL LOAN DEPARTMENT! Therefore, when a problem with a HELOC emerges, there seems to be no XXXX available to correct or address the issue! Instead, there is a collective shrugging off and abdication of responsibility! 
( 2. ) Just over the last month, after I finally got the bank to post the {$8600.00} amount to my HELOC principal balance, I was very eager to pay it off, and obtain a " true zero '' ( {$0.00} ) balance on my account. On XXXX XXXX, 2015, I did pay the principal down to {$0.00}. I even obtained a printed ACCOUNT INQUIRY, showing that this was, indeed, the case! But the very next morning ( on XXXX 2015 ), I awoke to see a balance of {$5700.00} ( along with accrued interest ) back on my HELOC account! I was completely enraged! What is going on? I had to go and argue with the BankManager, calling the Regional President 's Office ( who was out of town, on vacation ). " I am filing a formal complaint! '' I bellowed. Finally, the local branch Manager said that she would fix the problem, and told me to have a nice day! " I 'm not having a nice day! '' I shouted. " This is totally ridiculous! Why would I ever want to get another HELOC from this bank? '' Well, apparently, the local branch Manager finally did correct the issue, as my HELOC principal balance is now back down to " true zero '' ( {$0.00} ). And I did get a phone call from the President of Marketing, who asked me about the problem. THE POINT IS, I SHOULD N'T HAVE TO BE GOING THROUGH THIS TRAUMA! AND NEITHER SHOULD THE LOCAL BRANCH MANAGER! MY BANK NEEDS TO GET THEIR BOOK-KEEPING OF LOAN PAYMENTS CLEANED UP! THEY ARE NOT BEING RESPONSIBLE LENDERS! I can only hope that another " mysterious ghost loan fragment '' does n't somehow REAPPEAR, again, on my HELOC principal balance!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
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 fraud alerts or security freezes

Complaint:
Experian has put a credit alert on my account. I have asked for it to be removed 5 times. They have also not updated my phone number as requested twice. My credit is on lockdown and I am suffering. I want the alert removed and number updated

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 2020-02-19
Company: National Enterprise Systems, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have no debt in collections that I am aware of ( credit report says no collections ). Unsure why National Enterprises keeps calling me daily. They called XXXX  XXXX XXXX XXXX today.

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 2022-07-07
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
When I applied for this RCI/Barclays Bank credit card on XX/XX/XXXX, it was with the understanding that I would receive a {$50.00} credit off my transaction of XX/XX/XXXX with RCI ( {$150.00} total transaction ). I have received and paid a bill from Barclays since that time and have not received the credit. I spent almost a half hour on the phone with Barclays on XX/XX/XXXX, who finally told me to contact RCI. RCI had told me to contact the credit-card company when I called them earlier. Credit card number is XXXX XXXX XXXX XXXX issued to XXXX XXXX. The description of the card is RCI Elite Rewards World Mastercard. I am authorized to deal with the issuer on this card.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 2020-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off my credit card to a Capital One credit card I have and they continue to charge me interest charge/special service charges on a zero balance. I've tried calling and speaking to supervisor after supervisor and they can't explain to me why except for it's from the previous months balance, special service charge. I then ask, how do I completely pay off my card if you keep " making up '' erroneous charges. they could not answer that question.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
In late XXXX and early XXXX of XXXX I shopped for a new car and asked the car dealers for loan information. On XX/XX/XXXX, 4 inquiries were made by car dealers about my credit status. On XX/XX/XXXX, 5 inquiries were made by car dealers. I later learned that the TransUnion Company dropped my credit rating 40 points as a result of these inquiries. At present TransUnion records show 9 inquiries dated between XX/XX/XXXX and XX/XX/XXXX. But the TransUnion website states " Lots of inquiries in a short amount of time can hurt credit scores but if youre comparing options for something like a car loan all of the inquiries made within 14 days may only count as one on your credit report. '' My inquiries were made within a 3-day period and should be reflected on my credit report as 1 instead of 9. I filed a formal request with TransUnion to  correct this error and TransUnion refused to make this correction -- without any explanation whatsoever -- in an unsigned letter ( file no. XXXX ) dated 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
Consumer complaint received 2020-03-03
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
It has become apparent that Amerihome is once again misapplying or not applying electronic mortgage payments that are receiving from me as they are once again threatening foreclosure and reporting that they have not been paid for six months. I have attached copies of payments made over the last 8 months. Additionally Amerihome is still refusing to update my mailing address. Further they have not delivered my tax information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My complaint is against Bank of America Merchant Account Services. I received a call from their representative ( XXXX ) this afternoon regarding my newly established merchant account. XXXX called from XXXX. I was advised that my merchant account was flagged because of the type of services that I/my business offer. XXXX advised me that I am an unqualified/high risk business and that my account is under review. 
I advised XXXX that I was very concerned about his call because of the long standing relationship that I have with Bank of America and had with my former merchant provider. I have banked with Bank of America for XXXX years and was often solicited by numerous representatives both at my office and in their branches. So I did n't understand how Bank of America could first offer me a merchant account, approve the account, send the equipment, allow my business to process credit and debit card fees only to then contact me less than XXXX days later to inform me that my merchant account with them could potentially be closed. 
During the completion of the merchant account application with the Bank of America representative on XXXX XXXX 2015 I detailed my long standing relationship, my account history and revisited all the services that were offered to my business over the years as well as the visits to my office that Bank of America representatives made to offer my staff checking account services and other additional services to me. 
After terminating my eight year relationship with another merchant services provider to accept the offer from Bank of America, it is unclear to me how Bank of America could have approved me for a XXXX year lease of the equipment and the account only to be told XXXX days afterwards that my account could potentially be terminated for no wrongdoing on my part. 
I am confused as to why Bank of America marketed services/products to me with intimate knowledge of my personal accounts, business accounts and business model ; then processed and completed a XXXX hour interview/application ; for the application to take the bank more than XXXX days to process ( time for which I am sure they used to complete their due diligence and to qualify me and my business ) ; then to approve me but to call less than XXXX days later and tell me that my business is now high risk/unqualified! 
The termination of my merchant account with Bank of America would cause an enormous financial hardship on my small business and should not be something that I should have to endure. Furthermore the processing of my application has impacted my personal credit profile and could affect my ability to acquire a new merchant account in the future. 
With that said I hope to keep this Bank of America merchant account to circumvent any unnecessary financial hardship to my life and to my business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My mother deposited a check into my Bank of America account on XX/XX/XXXX. She was told by the rep at the bank that the funds would be available on Tuesday, XX/XX/XXXX after XXXX. That made sense and it helped me plan on how to pay bills. Later in the evening on XX/XX/XXXX, I get an email from Bank of America stating my funds will be held until XX/XX/XXXX, which is XXXX  days because they felt that the check would be returned. This makes no sense and they are abusing their power by refusing to give their clients the money they are owed. My mother is XXXX XXXX XXXX and has never bounced a check. I am telling you this in hopes of holding them accountable for their shady business practices and lies. They have NO RIGHT to hold my money for 11 days. If they done this to me, they have done it to others. My hope is the CFPB will take them to court

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 2022-07-07
Company: PNC Bank N.A.
State: GA
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:
15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

Company response to consumer: Closed with explanation