BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: Linebarger Goggan Blair & Sampson LLP
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi, I have been dealing with Oklahoma state tax commission for income tax not paid in XXXX. I have been contacted multiple times from Linebarger Goggan Blair and Sampson, LLP about unpaid debt. However, the income tax was paid and I have proof of paid taxes from XXXX. I have been trying to fix this since XX/XX/XXXX. I also repaid this debt in XX/XX/XXXX. Which I also have proof of. I recently contacted again from Linebarger in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: AmeriHome Mortgage Company, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX. I have a home loan that originated in in XX/XX/XXXX with XXXX XXXX XXXX, it was quickly sold to Amerihome, ( loan XXXX ) for 12 months, then sold to XXXX XXXX, ( loan XXXX. On XX/XX/XXXX, I received an Escrow Act Disc Statement that our new payment going up $ XXXX! 

After doing my due diligence & speaking to all of the companies, XXXX at Amerihome suggested I escalate my complaint after he was unable to answer my questions because, as he stated, " our loan was purged from Amerihome already. '' His coworker XXXX actually said to me today, " this was something that should have been delt with six-months ago. '' I am not getting anywhere speaking to these institutions, they all blame one another for the mishap. I was told by XXXX XXXX  that the reason for the increase was my insurance went up, ( it went down actually ), I was told our taxes went up, ( they did by {$1.00} ), I was told our house was reassessed, ( it was new construction and has not changed since XXXX per the XXXX XXXX XXXX XXXX Website ). Every time I call, they make up another excuse. NO ONE WILL HELP ME! Here are my questions : 1. Please look at the Annual Escrow Act Disclosure Statement from Amerihome. 
a. Our address is incorrect : the physical addr is : XXXX XXXX XXXX XXXX, XXXX XXXX, they have it as, XXXX XXXX XXXX XXXX. 
b. On this Disclosure, look at the ESC Refund, why was any escrow amount refunded? The amount on this disclosure is incorrect, the amount refunded was actually, {$1500.00} & my husband deposited it into our checking account not knowing what it was. Where is the other part of the supposed refund? Amerihome shows a refund of {$3600.00}. 
2. Look at XXXX XXXX for XXXX and XXXX of XXXX. I am the insurance agent for this property, XXXX XXXX is the company. Why are there two deductions for insurance? ( One for {$4800.00} and {$2900.00} )? 
a. Could this possibly be for 'Force Placed Insurance ' as well as my home insurance policy with XXXX XXXX? 
No one can look back that far with Amerihome because they say the loan is purged, sold and void and I they have no access to help me but that I may FAX in my documents for review. 
XXXX. Why all of the sudden is this an issue and why was it not addressed when the issue came up? Why were we not notified about a discrepancy in the escrow balance? 
4. Where it says ESC Refund {$3600.00}, where did that money go? We did not receive this amount as stated before, we received a check for {$1500.00}. Who has the rest of it? Is this possibly the county or the city taxes? 
5. The escrow detail says we paid in {$4100.00} but they paid out {$7800.00}, and that is a difference of {$3600.00}. 

The additional amount they are asking for due to their mix-up is postpositions!

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 2023-08-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
An old address on my credit report is being reported. Please delete the adress XXXX XXXX XXXX XXXX XXXX, FL XXXX from my credit report.

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 2016-10-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
We are notifying CFPB I ca n't just sit back and do nothing.. In lieu of the issues that have occurred with XXXX XXXX, it is clear that I must report the issues I have had with Citizens Bank. We are reporting about a monthly withdrawal that we never signed for or approved of and have been complaining about it for over a year. We finally just switched bank accounts ( after 36 years ) and were waiting for the our account to be credited - then you debited the money again. We thought that the $ XXXX month was a small amount, but if Citizens Bank was doing a similar scam with EVERY account it dealt with, it could be millions in fraud. In fact I will also make a fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: SANTANDER HOLDINGS USA, INC.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The car payments were not properly reported in the paperwork. They said it was just going to be the payment of XXXX. They didnt tell me that I was paying interest by the day. The disclosures that you are supposed to receive once getting the loan/vehicle were never given or mailed. The car was not addressed to work and there were issues from the onset. I made a down payment on the loan which is a car violation. They distributed my non public information to other companies and repoed my car when they lost payments that were sent In between the 4 contracts that had to be signed. The first page of the contract also didnt explain the finance charges accurately. Which is a violation of 15 usc1602. And Oklahoma loans may not exceed 10 % all violations of the law. 15 usc 13 discrimination of price c says that one may not review commission with purchase of goods. Which is exactly what this loan is, and I was discriminated against by charging more based on my gender and age. With a list of other violations with info sent to Oklahoma consumer protection association.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Once upon a time, in the year 2021, XXXX and XXXX discovered that a sneaky account had been opened in my name. It turns out, my partner at the time, took advantage of my vulnerable state. I was XXXX, sick, and enduring XXXX. Not only did they open a credit card in my name, but they also put utilities in my name without my knowledge. It was a nightmare. 

But, thankfully, I managed to escape that toxic relationship and start rebuilding my life. As I looked at my credit report, I noticed a recurring problem - missed payments from that fraudulent account. It was frustrating because I had been a stay-at-home mother for years, always responsible with my finances. 

Now, I have big dreams for the future. I want to provide a stable home and a bright future for my XXXX daughters. But to do that, I need to address this credit issue. I want to buy a home and have reliable transportation. Before that partner came into my life, my credit was impeccable. 

So, I'm determined to take action. I'm ready to rebuild my credit and create a better life for myself and my daughters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
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: Account information incorrect

Complaint:
I monitor my credit report and score with all 3 credit bureaus. I believe my credit report and score is unfairly scrutinized and calculator. I pay all my bills on time and according to the reporting agencies, my score is updated twice every month. However, that is not the case. I am working on a payment plan with one credit card company and it turned out I had one missed payment. Suddenly, the reporting agency decided to update my score and take away 70 points! They suddenly did this as soon as they received information about the one late payment, but never gave me credit for always paying my bills on time. That is very discriminating and should not happen to anyone. Now, I do not know what to do to fix this. This mainly applies to THE BANK IS XXXX XXXX XXXX XXXX XXXX. I fear this is tearing down a person who works hard everyday to pay bills on time and do things the right way. Destroying my credit like this is a path to destroying my future endeavors that I am working towards. Please help.

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 2023-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
There is information that is on my consumer report. That is a result of identity theft. I did not Provide written permission or instructions for the identified items to be reported on my consumer report. I am re question that that's the reporting of this information be blocked And Deleted. My request to block is not being made in era. Nor is my request to block being may on the bias Of a material misreputation.

Of Fact by relevant relevant to the request to block the identify transaction. The identified transaction are not information related to any transaction to me as the consumer.

Account Name Account Date Account Name Account Date You are reqsir to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response, thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
US BANK fraud department They have closed my account. I was a victim of employment fraud, after being with this bank for more than 10 years, they have been the absolute worst in every aspect of helping me. I had a little over {$2000.00} in my account prior to the fraud - it is not much I am aware but being a single mother it was my hard earned money to support my children and I. I was hired for remote work, was sent 2 checks to start up my home office. Unfortunately, this was not the case. I was taken for the money I had plus an additional nearly XXXX. I submitted all the required information, paperwork, emails, pictures, etc to the fraud department as requested. Come to find out, my claim was not fuZNlly submitted. The supervisor XXXX submitted XXXX additional documents that I originally submitted that were not submitted by the fraud department. That is 100 % a fault on US BANK, not I ( red flag XXXX ). I have called and spoken to another supervisor, XXXX, she was no help either. Basically saying I have no rights to the funds I had prior. I also had a refund of {$45.00} and some change, that they are refusing to send me a check for as they say I have no right to any funds going into the account. However, the fraud department told me they closed my account so no funds could go in or out of the account, ( red flag number XXXX ) - the only thing I am asking for is the money I had prior and the small refund. Now when I call in, I get the run around, no calls back, the managers are never available, I need help, please. I am struggling terribly to make ends meet, I have not been able to recover from the huge blow losing all my funds has caused and now they are sending the debt to collections. 
Case numbers- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Individuals dealt with, XXXX ( XXXX ) and 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 2017-04-26
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In  XXXX , I closed a mortgage with   XXXX   XXXX   XXXX   XXXX  . An additional {$5000.00} was transfered from  XXXX  to first American title company in escrow in a hold back status for a solar hot water heater improvement project. The project was never completed due to deployments. I recently contacted first American title to have the funds released since I now need to replace my hot water heater. They claim that they escheated the money back to usaa in  XXXX . They only supporting documents to back this up is an escheating report showing {$5000.00} and a bulk wire transfer of $  XXXX  to the unclaimed funds department of texas. I have been in contact with the title company, every department of  XXXX , all three mortgage management companies involved with my mortgage and  Noone  is able to locate these funds and release them to me. It has been 3 weeks without hot water in my home and I am at the end of my rope. I have been paying on the adjusted mortgage total that includes the {$5000.00} since  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did used misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute XX/XX/XXXX on XXXX inquiries with XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from XXXX stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is appalling. 
This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Wells Fargo reached out to me about refinancing my mortgage in XX/XX/XXXX. At the time I was considering using my financial planner to help me with a loan. However the Wells woman confined me to go with them. I provided financial information to them in XX/XX/XXXX. They gave me a guaranteed rate through the end of XX/XX/XXXX. Interest rates then went up, so it is a very attractive rate. SInce then they have been stonewalling me, finding all sorts of excuses to delay the closing date. It appears to me that they would like to get out of their obligation so keep losing paper work, sending corrupt files to the underwriters, not telling me that some of the financials they have are dated until it is too late. This loan is less that 10 % of my net worth, the loan to value is 59 %, I have a nearly perfect credit score, and my investment income alone covers my interest costs. At this point no one at Wells is returning my real estate lawyers calls or my calls. It is two weeks away from XX/XX/XXXX, they know I will be out of the country from XX/XX/XXXX-XX/XX/XXXX and are now avoiding me. This is outrageous behavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: ERC
State: FL
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:
XXXX XXXX COMPANY or ENHANCED RECOVERY CORPORATION depends which credit reporting agency you look at, is putting a collection from XXXX on my reports. I have never had an account with XXXX ever and I 'd like these removed. I have disputed with the credit agencies ( XXXX and XXXX ) and to no avail. I have disputed a XXXX time and I still have yet to hear back. When I call the collection company they answer and hang up. I 'm convinced this is fraud and I 'm not the only person saying this. A google search of any of the company names shows others complaining about accounts that they have never owned. I just want this removed from my account and this company shut down. They 're illegally trying to collect debt that I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-29
Company: ERC
State: DE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Did not Identify themselves, nor give a name, said that it was attempt to collect a debt, called me at work, and said it was for XXXX in which I have not had in 7 or eight years.

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 2015-05-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hidden charges just discovered was charged over two years XXXX service fee no charges grandfathered in when I open the accounts combined circle gold checking and savings charged for over draft fee to move funds from XXXX account to the next account this is another hidden charge I did not agree to the overdraft does not apply whe the account was opened in 2010 in XXXX NJ the account provision was without any of these charges for the life of the accounts as long as they remained open additionally charged for nsf funds when the bank process reported unauthorized charges I attempted to report fraud and unauthorized charges of {$110.00} which caused sever other checks nsf for which I was charged .. when the accounts were opened features such as free credit report access were placed on the account as a life of account free service recently I see this service was removed with out my knowing or requesting this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-23
Company: CITIBANK, N.A.
State: AR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
city mortgage [ need I say more ] they have engaged in fraudulent practices that have cost consumers amazing amounts of money for their own gain ... ilegaly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
At around XXXX on Thursday XX/XX/2023 I attempted to make an ATM deposit for {$1300.00} At Huntington Bank XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX. I placed the cash amount in hundreds when it asked to deposit the amount. The cash went more than half way through and then jammed. When I tried to retrieve it began counting the bills and only counted {$200.00} it didnt give me any other option and wouldnt allow me to retrieve the full amount! I attempted to add another dollar thinking it would count the rest of my deposit but only gave me a total of {$200.00}!! I attempted several times to get in contact with customer support but was unable to reach them because of customer service was closed! I then ended up calling 911 and the officer made a police report and told me that I should comeback in the morning and have them check the ATM cameras and have them count out the ATM. This has left me distraught and fearful of ever using an ATM

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: TX
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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY PURSE ALONG WITH PERSONAL INFORMATION AND LATER OPENIED UP THE FOLLOWING FRAUDULENT ACCOUNTS : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled the debt with a lump sumpayment XXXX direct withdraw from my checking account

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 2016-10-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I had a costco card with XXXX. Apparently costco switched their relationship and now only takes visa. So, during the switch, my costco XXXX XXXX was cancelled and I received a XXXX card. I paid the balance of my account online and it disappeared from my XXXX online portal. Five months later, I receive a call from Citibank collections, looking for {$10.00} saying that I had three missed payments. I told them that I had never received any information from them and did n't even know that I had a credit/business relationship with them. They said they had returned mail and never could get ahold of me. They could n't even give me an account number to dispute the charges with the credit bureaus.

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