BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-22
Company: ALLY FINANCIAL INC.
State: LA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A wire transfer was initiated by me via my secure online portal for transfer on XX/XX/XXXX to a title company to purchase a real estate property. There was a XX/XX/XXXX deadline at XXXX for receipt of funds. I intiated the wire transer on XX/XX/XXXX to allow Ally bank ample time to confirm the wire details. The amount was {$750000.00} requested from my savings account. 

Their policy and procedures state that they will call the customer to verify the wire. They did not do this. I called on XX/XX/XXXX. They stated this was under a " fraud alert '' becuase the amount was over {$500000.00}. They do not have any stated restrictions agains the transfer of this amount anywhere on their website. They informed me they were locking my accounts. They summarily locked all withdraws from my checking, savings, brokerage and Short term CD accounts. 

I called on XX/XX/XXXX and spent XXXX hours on the phone seeking a " fraud investigator ''. I was asked XXXX verifciation questions from the public records and correctly answered them. I requested a supervisor. One was not made available. I requested a " fraud investigator ''. One was made available who informed me she would get someone to work on it " next week ''. In the interim, my liquidity and home purchase hung in the balance. They did not send the XX/XX/XXXX wire, but instead kept these funds locked behind their " fraud investigatiion '' team that were not made available to discuss. 

No one from ALLY bank has called me back at any time. On XX/XX/XXXX at the end of business, I received an email that my account had been unlocked. In the interim, I had to borrow from relatives to cover the close. Meanwhile, my funds that I had saved to make this purchase for over 4 years were locked away by ALLY bank without any due process. Furthermore, Ally bank was unresponsive, unprofessional and certainly unable to correct this grevious injustice that was clearly without merit all along.

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 2019-06-22
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
At XXXX XXXX  on XX/XX/2019, the PLAINTIFF, aka XXXX XXXX, had {$1900.00} available for withdrawal in checking account number XXXX At the close of business on XX/XX/2019, the PLAINTIFF still had {$2500.00} available for withdrawal. On XX/XX/2019, PNC misrepresented the balance of PLAINTIFF 's available funds to charge an unwarranted fee of {$36.00}, therefore, causing the PLAINTIFF 's said checking account to be overdrawn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-16
Company: ORG GC GP Buyer, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have already notified XXXX and GC Services that this credit card was opened without my knowing. My now estranged wife had used my social security number behind my back to open multiple credit cards. She is XXXX XXXX / XXXX XXXX and I have had to file for divorce because of this. I am not responsible for the debt that she has incurred in my name. I am a victim of identity theft. A police report was submitted to the XXXX XXXX Police Department on XX/XX/2020. I have found out that there are 7 other police reports with her as the suspect of fraud / theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: EQUIFAX, INC.
State: CA
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:
I am writing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A  ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed. 

As I understand, Federal reporting laws. especially the Metro 2 data formatted reporting regulations enacted as a results of the XXXX, requires that all information be certificated compliant as well as full true, correct, complete & timely proven mine. It was clearly that the same laws dictate that no entity, including a consumer credit reporting such as yourself can excuse itself from the mandates nor liabilities should that entity become deficient in that compliance. I am enacting my consumer rights to have only 100 percent accurate, timely & verifiable METRO 2 compliant information be reporting on my credit. I do NOT authorize any derogatory. RETAIN or return to requisite METRO 2 compliance reporting now by annulment of all non compliant information as mandated by law. Please resolve this matter as quickly as possible. I appreciate your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
on XXXX I applied for an extension of credit and immediately got denied on my extension of my credit for the XXXX XXXX XXXX by WELLS FARGO. WELLS FARGO is in Federal Violation under ECOA REGULATION B discouraging me from further applying for extensions of my credit.and has discriminated against me the consumer by denying me my GRANTED RIGHT to credit as described in 15 USC 1602. I have exercised my Granted Right to credit using my credit card as defined under 15 USC 1602 and have been denied via Adverse Action. The Equal Credit Opportunity Act prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or ( good faith exercise of any rights under the Consumer Credit Protection Act ). WELLS FARGO is also under Federal Violation under TRUTH IN LENDING 15 USC 1691a ( e ) ( f ) which states " ( a ) Activities constituting discrimination -- -- -- It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction -- -- - ( 3 ) because the applicant has in good faith exercised any right under this chapter. -- -- -- -- -- -- My credit card was used and in exchange I did not receive any benefit from the consumer credit transaction

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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

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 2023-08-22
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
When trying to resolve my previous complaint, the customer service agent was not helpful. They called me, but just to immediately say there was nothing that Wells Fargo did wrong on their end. The agent 's inflammatory tone combined with a mocking : " I'm sorry you feel that way '' indicated that they were not willing to listen, empathize with the situation, and help resolve in any capacity. Wells Fargo is the worst bank I have ever banked with.

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 2022-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
new accounts, but nevertheless they tell me to contact you because the research still appears in my system and I did not go! I ask for help and assistance removing any inquiry of the XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act Chase Account XXXX XXXXXXXX has violated my rights. 



15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681a-Definitions ; rules of construction-Exclusions.

Except as provided in paragraph the term consumer report does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THERE are TWO finacial contracts on the same vehicle with the same vn number make and model different prices under my name although I only executed on one and I am paying for both. The infromation is attached. 

The Car has been vandalized and broken in to severla times while in XXXX I feel as a result I am requesting the Mazda removes the car information from my credit report immediately and I am seeking arbitration for financial remedy and that the car is no longer being reported as financial responsibility because of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a stroller from XXXX on XX/XX/2020. Immediately upon receipt of my purchase, I noticed upon opening the package, not only that its not what I ordered, but that it was used and dirty. I contacted XXXX to let them know of what had occurred and was told by an XXXX representative to return the item with a pre-paid shipping label that they were sending me. I sent the item back through XXXX on XX/XX/2020. Tracking ( XXXX ) showed that the item was delivered to XXXX on XX/XX/2020. Weeks went by and I never received a refund. I then started calling XXXX to try to find out what was going on. First they would tell me that they havent received the item, even though tracking showed it was delivered and then they were saying that what they received is not what I purchased. I told them that I know, and that is why I am returning it. Long story short, I was unsuccessful trying to get a refund through XXXX. I then disputed with my credit card company ( Discover ) and initially was told that they ruled in my favor and then a few weeks later they reversed the credit and I am again being charged for something that first, I received the wrong item and second, I no longer even have in my possession as I returned it to XXXX. I ended up disputing twice through Discover and was not successful. They are asking me for the original XXXX label which I dont have and XXXX can not provide, as so much time has elapsed. I provided as proof, the email from XXXX customer service telling me to return the item back to them, an email showing my return summary from XXXX, the XXXX drop-off label showing I dropped the item off at the UPS Store and a XXXX tracking receipt showing the item was delivered. Still none of this is good enough for them. I am now accruing interest on these charges and Discover is unwilling to help me further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I requested a loan payoff amount from Wells Fargo for my mortgage roughly XXXX dollars. 
Once I received the pay off amount I endorsed the coupon for the complete amount of my mortgage. By certified mail I sent off the endorsed coupon along with instructions for the CFO to respond in writing that he completed his portion of the endorsement process. Also if he did not perform his fiduciary duties for this account, the reasons should be given in writing. This packet was sent off XX/XX/2023 The company responded XX/XX/2023 in writing by sending a copy of the mortgage with no reason stated as to why the CFO duties were not completed for the account. 
A second letter was sent off by certified mail including : an endorsed coupon for the amount of the monthly payment of XXXX, instructions titled Tender of payment/Opportunity to cure. No response was received by me from the company explaining the total loan pay off, so I began sending in the monthly coupon endorsed and perfected. The company replied with the same packet that was sent to me at first ( XXXX response ), completely ignoring the instructions. The second reply was received XXXX XXXX. 
On XX/XX/2023 a third packet was sent to the company with instructions for the CFO to complete his fiduciary duties connected to my account. The instructions titled Tender of Payment/default notice and an endorsed coupon for the monthly amount of XXXX. 
I received a third erroneous response dated XX/XX/2023 with much of the same information as the two previous packets sent to the CFO. A forth packet was sent off titled Tender of payment/2nd default notice along with the monthly endorsed coupon directed towards the CFO requesting same as before. This time I included : Federal Reserve Act Section 16 and 29, UCC 3-603, 12 USC 1431 , 15 USC 1681 ( n ), 18 USC 8 and the statement a contract must be equitable to both parties. 
XX/XX/2023 I received a response stating they have refused my tender of payment and all future similar items will not be accepted and we will not respond to matters of the nature in the future.

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 2021-04-16
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
the mortgage company has not been applying my payments to my mortgage and has not responded to me or my attorney for a year we have called e-mailed and sent letters as well as money no response and according to my bank the certified checks have been cashed but does not show the funds anywhere on my statements.the mortgage company took over XX/XX/2020 my second payment to them was XX/XX/2020 i made payment they did not show the payment in my statement and could not get a hold of them so my attorney told me to hold payments in escrow which i did after six months of reaching out to the lender to rectify this issue we were no where so the attorney drafted a letter and we specified the payments going to the lender we sent about XXXX dollars the cashed it and nothing reflecting on mortgage they have destroyed my credit which has affected my business and every other aspect of my life

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am filing this complaint to CAPITAL ONE there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction. I have attached my FTC report with the report number XXXX for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: IL
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:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a zero balance on my credit card with Bank of America. They took out an automatic payment of XXXX dollars from my XXXX XXXX  account on XX/XX/2020. I have called them multiple times to see if they would refund it. They tell me I need to give them my bank account info over the phone for them to refund my money. I find that suspicious since they have my account number to take out XXXX dollars from my bank. I asked them why they would do an auto payment for XXXX dollars if the balance is zero and I do not owe them anything. They told me oh that is what we always do unless a person cancels the auto payment. I find it interesting that Bank of America takes money from people even when they owe them nothing. A short if statement in their computer program would make this never happen. It is simple if balance is less than or equal to zero and does not rip off money from the consumer. I even asked if I closed the account if they would still need my personal bank info and they said yes so they could refund me the money. So if I closed my account they would keep XXXX dollars of my money I did not owe to them.

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 2022-05-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT, MY INFORMATION HAS BEEN COMPROMISED, THERE HAS BEEN SEVERAL ACCOUNT OPENED WITHOUT MY VALIDATION. I AM NOW DEMANDING ALL OF THESE ACCOUNTS BE REMOVED/CLOSED BECAUSE THEY ARE DAMAGING MY BUYING POWER. I AM ASKING FOR THIS MATTER TO BE ESCALATED IMMEDIATELY. IF NOT I WILL FILE A COMPLAINT WITH THE FTC ACCORDING TO THE FTC 1970 AND THE 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 non-monetary relief
Consumer complaint received 2019-06-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a previous complaint about two weeks ago Weve received your complaint. 
Well send you updates about your complaint along the way, but you can track the status of your complaint at any time on your Consumer Portal. 

COMPLAINT ID XXXX I am continue to have problems with bayview mortgage company asking me the same paper work I have already submitted. For example they want a copy of the deed with my name. I have already given them the information that states I am the executor over the estate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: GA
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:
I appreciate your assistance in REMOVING a piece of the info in my credit file that resulted from FRAUD, but I still have ITEMS passed on that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
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Company response to consumer: Closed with non-monetary relief