BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-28
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I would only like communication about this alleged debt through the mail or through CFPB. All other forms of communication about this alleged debt must Cease and Desist- to include phone calls, text messages, push notifications. This Cease and Desist also includes all collection activity on the alleged debt to include but not limited to furnishment to the Consumer Reporting Agencies, reselling of the alleged debt to 3rd Parties, or garnishment of my wages or bank accounts. This shall not be mistaken for a dispute or an attempt to not pay on any alleged debt. I simply want validation from the debt collector that the debt actually belongs to me. 

Pursuant to 15USC 1692G of the Fair Debt Collection Practices Act, satisfaction of debt validation includes : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

In addition to this, I also need the following : 1 ) Accounting ledger, transactional history, and full file of any other information you have about the alleged debt 2 ) Notarized statement of someone who has first-hand knowledge of the transaction and can testify this transaction was completed legally 3 ) A copy of the original contract signed by both parties verifying that I owe you, the Debt Collector, and not a 3rd Party 4 ) Please also provide me with a true and certified copy ( NOT photocopy ), of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note has never been sold 5 ) Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorist Act 2009 and what actions s/he has taken in relation to this account. 
6 ) Please confirm if you are governed under the Gramm-Leach-Bliley Act or not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am writing regarding the recent notice I received from my credit card company, CITI, requiring me to agree to receive statements and legal notices electronically in order to maintain digital access to my account. I believe this policy may be illegal for the following reasons : CITI 's policy requiring consent to paperless statements or else face denial of access to my account information appears to contradict consumer protections under ESIGN, TILA, and the FCBA. I urge you to look into this matter to ensure companies are not unlawfully coercing consumers into electronic contracts. Please let me know if I can provide any additional information. Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX XXXX 

CITI 's ACTUAL DEMAND FROM RIGHT NOW : -- -- -- -- -- -- -- -- -- -- -- -- -- Action Needed : Agree to go Paperless to maintain digital access to your account ( XXXX ) Were requiring you to go Paperless to maintain digital access to your account ( s ). This means your statements and legal notices will be provided only on Citi.com and the Citi Mobile App.

Not ready? We will remind you one more time. After that, authorizing Paperless Statements and Legal Notices will be required or you will not be able to access your account ( s ) on Citi.com and the Citi Mobile App to make payments, view transactions, or use any other digital features. 

After selecting 'I Authorize ', you can always switch back to paper delivery on your 'Paperless Settings ' screen and maintain digital access. Go to 'Services >> Statement & Documents ' on Citi.com or 'Profile >> Statements & Communications Preferences ' on the Citi Mobile App .

Paperless delivery is secure and convenient.

Automatically receive payment due reminders on credit card account ( s ) Immediate access to past 24 months of statements ( 12 months if not Paperless ) No statements will be lost or stolen in the mail By clicking " I Authorize '' I agree to the Paperless Terms and Conditions and understand that I will receive my statements and some legal notices electronically only instead of through the US mail. The Paperless Terms and Conditions provide more details, including the system requirements to view documents, and how to get a paper copy or cancel Paperless. I also agree to the Alerts Terms and Conditions and understand that Citi will send me an email alert five days before my credit card payment is due.

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 2021-12-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I applied for the wells Fargo cash advance credit card XX/XX/XXXX and deposit a balance transfer check of {$16000.00} I received in mail on XX/XX/XXXX from Wells Fargo cash advance credit card department following the instruction provided by their customer service rep. 
It was cleared on Sunday XX/XX/XXXX and I started to pay off other credit cards and bills on XX/XX/XXXX like the customer rep suggested.But it turned out Wells Fargo Credit Card Department voided the balance transfer check later on XX/XX/XXXX which resulted a {$9500.00} cash advances kicked in my Wells Fargo due to that Wells Fargo balance check voided. 

So, I went to the branch at XXXX XXXX XXXX, XXXX, Pa for help and private banker XXXX helped me escalate the case on XX/XX/XXXX and she called me back 2 weeks later as she promised and told me that the issue was resolved, all the overdrafted fees were waived and the {$9500.00} cash advance was corrected to balance transfer like I initially planned. Also, I was told that there would be no interest will be charged and I could complete the remaining amount of {$6800.00} ( $ XXXX- {$9500.00} ) balance transfer and take advantage of the 0 % interest if I want.So, I did the balance transfer of {$5900.00} on XX/XX/XXXX. However, I realized there were intrest charged and has been calling for having the issue resolved. Wells fargo refund intrest of {$540.00}. 46 but refused to refund the remaining intrest of {$1300.00}. 89. To avoid being charged continuesly, I ended up paid off all the balance transfer and the cash advance on XX/XX/XXXX since the banker told me any extra payment I made every month would paid towards balance transfer amount only but not the cash advance balance and I could not just pay off the cash advance balance first. I have submitted complains to their escalation team more than 4 times and just received their last final notice from XXXX XXXX. from Executive Office Case Specialist on XX/XX/XXXX and they still refuse to refund all the intrest they charged. Also, the last case was assinged to XXXX XXXX on XX/XX/XXXX before I received the letter. I had options to use other bank 's balance transfer benefit and also resolve the cash advance intrest charge if they did not tell issue was resolved and their misinstruction to begin with. So, I demand them refund me the remaining of intrest of {$1300.00}. 89 they unfairly charged.

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 2023-06-30
Company: Experian Information Solutions Inc.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 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 2023-06-30
Company: Experian Information Solutions Inc.
State: DC
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:
This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-02-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I booked a trip for myself and my brother/traveling companion with Chase Sapphire Reserve card that included a refundable hotel booking, 2 nonrefundable plane tickets, and 2 nonrefundable hockey tickets for a trip starting XX/XX/19. On XX/XX/XXXX, my traveling companion needed to undergo an emergency XXXX that prevented him from XXXX  per his XXXX. 

Chase sapphire claims to offer travel cancellation insurance for trips booked using chase sapphire card for reasons including : " Accidental bodily injury, loss of life, or sickness experienced by the Cardholder, a traveling companion or an immediate family member of the Cardholder or a traveling companion '' As soon as I learned of the XXXX, I contacted Chase in order to utilize this benefit. After speaking with a representative, I cancelled my refundable hotel booking and was told chase would handle filing a claim for the nonrefundable items. 

I received an email with a claim ID from Chase on XX/XX/XXXX requesting the relevant medical paperwork which I provided. I did not receive a response. 

I have received no follow up for chase despite having contacted chase at least 4 times now. 

Most recently, on XX/XX/XXXX. after explaining my situation to a chase employee, she was very upset at how my situation has been handled and transferred me again to the benefits team. I explained my situation to this team, and was told they had no record of my claim number but would start a new claim. I instructed that I would like to file a new claim and provided information over the phone. I was then told that I would be sent a claim form by email within 48 hours. I was never sent this any form or received any contact from chase. 

Chase employees that have been contacted on at least 4 separate occasions have shown to be willfully misleading during this process and has outright refused to honor the terms of their benefits card to this point regarding this issue. 

I have records of all interactions with chase to this point including recordings of all conversations with Chase Employees

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: Navient Solutions, LLC.
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
The cosigner just informed me that he received many communications from Navient /XXXX pressuring him to pay this debt. 

-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Sat, XX/XX/2019 at XXXX XXXX  Subject : Re : Payment Due To : XXXX, XXXX, XXXX XXXX XXXX Dear XXXX, Thank you for your correspondence . 

I already delivered a message to you/XXXX XXXX to put this loan in extended forbearance, regardless of your argumentation /promissory note ... pending int'l trial. It is the school that has to refund/ repay. 

The U.S Government ( loans/grants ), XXXX Government ( loans/grants ), and even XXXX ( private loan ), whose combined investment represents nearly 98 % of the total finance, are cooperating with me, allowing XXXX court time to find a solution .... 

Why not XXXX XXXX/Navient? 

Regards XXXX See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the multiple time I've mentioned being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the consumer 's identity ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of such information; and ( XXXX ) the consumer 's statement that the information is not information relating to any transaction by the consumer. XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2018 Reference # : XXXX ; Chapter XXXX Bankruptcy XXXX XXXX Filed/Reported : XX/XX/2018 Reference # : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-26
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened a paypal account in early XXXX i rhink and XX/XX/2020 paypal restricted my accojnt for i dont know whag reason I'm assuming it was me transferring funds and receiving funds from my best friend and boyfriend paypal account because they closed my boyfriend account as well. But I made no fraudulent transfers I wasn't selling anything and there were no complaints issued against me from anyone. It's fine that they want to close my account but I have XXXX still in the account that they are insisting on releasing after 180 days which is not fair and extreme bey supposedly hold funds for chargebacks which is impossible in mh case so i don't understand why the are holding my money. I've contacted them ghen several times the latest being XX/XX/2020 and still nothing. There isn't any possible way to speak with a live customer service agent its all via messages Rahat they reply to after 2 days. I've never had such horrible customer service before and I dont know what yo do now I just know I really need mh money im out of options and that 180 day wait is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I put a an initial fraud alert on all three credit bureaus on or about XX/XX/2023, yet there has been hard pulls on my accounts after this date. 

I have contacted all of the credit bureaus and could not get them to remove these sham/bogus/not initiated by me checks on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX  account XXXX and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 Section 611 5 Section ( A ) ( I ) : states that any information disputed by a consumer that can not be verified or found inaccurate shall promptly be removed. This account shows as open when it is closed

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 2019-10-01
Company: EQUIFAX, INC.
State: CA
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 have sent each credit agency letters stating that the information they are reporting does not belong to me. Each agency is reporting names and addresses that does not and have never belonged to me. 

this is incorrect and needs to be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX I have never lived at these addresses 1. XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. XXXX XXXX XXXX XXXX, CA XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 5. XXXX XXXX XXXX XXXX, CA XXXX with all of the fraud and data breeches with the credit agencies I need my information to report legally and correctly on my file. 

I am submitting my id and social please update my name as it stated on these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I was issued a cashier 's check for the sale of my boat ; the check came directly to me and was from Bank of The West. 

Upon receipt of the cashier 's check, I released my boat with all paperwork to the buyer XXXX XXXX. 

After 3 days in my account I receive notice from my bank that the cashier 's check was returned due to a stop payment. First, I was told a cashier 's check was as good as cash. Now I have no boat, no paperwork and don't have the money. I can't reach the buyer or anyone at Bank of the West.

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 2020-12-20
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage statement dated XX/XX/XXXX showed i owed an outstanding balance of {$1900.00} with a due date f XX/XX/XXXX. I paid the full amount on XX/XX/XXXX. The next statement dated XX/XX/XXXX showed my payment had been received and credited to my account. however, this same statement also showed I still owed {$1900.00} as a 'suspense ' balance. It was unknown to me what 'suspense ' balance meant. on XX/XX/XXXX, i contacted the mortgage company PHH at XXXX and spoke to one of their representatives, XXXX, who verified to me that my payment of {$1900.00} had been received but for unknown reasons it was not credited to my account ; it was on 'suspense '. XXXX assured me that i would get a corrected statement within 10 days. on XX/XX/XXXX i went online and submitted an email to XXXX inquiring about my concern. a few days later I received a response stating they could not provide me with any information because i had not registered an account with the mortgage company. On XX/XX/XXXX i called again and spoke to the representative, XXXX XXXX, who was rude to me stating there was nothing she could do but the case was under investigation and that i would get a response within 30 days. on XX/XX/XXXX I called the company once again representative, XXXX, told me i had to request a payoff amount in writing, which she requested for me. On XX/XX/XXXX i did sent the payoff amount by registered mail. The company received my payoff payment of {$400.00}. Regardless of the constant communication I maintained over the phone with the company, during this time frame from XX/XX/XXXX thru XX/XX/XXXX I received about 4 letters from the company stating that i had a past due amount and the last letter dated XX/XX/XXXX notified me that the company was initiating foreclosure on my property. 
I feel I have been harassed by this mortgage company by sending me several past due account letters and the foreclosure notice when in fact I had always made my payments in a timely manner and even paid off my loan ahead of the schedule. On XX/XX/XXXX i went ahead an created an account and sent another email to the company inquiring about the status of my account. On this date when I logged in to my account, their system showed I had paid off my account in full. 
Thank you for any assistance you can provide with this uncomfortable situation. 
XXXX XXXX

Company response to consumer: Closed with explanation