BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-18
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My contract has a specific tax to be added to my monthly lease payments of {$30.00}. The Hyundai Motor finance decided to change it to {$35.00} that is different from what I have in the contract that I signed at the time I leased the car. I contacted the financial institution and I was told to take my issues with the sales assessor office and that it is not their fault. I should not be charge anything different than what it is on my contract. It never happened to me in over 30 year and in over 10 car transactions to be sign a contract at leasing for x and when my first payment came to be asked to pay a different amount. What Hyundai Motor Finance is doing is deceiving and is asking for overall {$160.00} more in payments for the durations of my lease.

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 2024-01-18
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Five years after the account was charged off which was XX/XX/XXXX Wells Fargo started reporting a charge off and will leave it on till XXXX that's unfair. She just suddenly hit me with negative credit information I have to live off of my credit. They should've done that five years ago and that's not my fault. Please help me.

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 2024-01-18
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Made an deposit into my account and every since my funds cleared after 5 business days Ive been having the hardest time to retrieve my funds from CITIBANK, constantly blocking my card everyday for no reason after my literally verifying every single transaction, so I went to branch to withdraw my funds out of my CITIGOLD account and the teller who was helping me seem like she was having a very BAD day since she was the only teller working out of 4/5 tellers, she decided to make my year bad already by writing unnecessary comments & notes on my account! When all I asked was to withdraw my funds. Please have Citibank unblock my CITIGOLD checking & saving account so I can take my funds out and put them elsewhere! 
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 2024-01-17
Company: SUNRISE CREDIT SERVICES, INC
State: TX
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:
On XX/XX/XXXXXXXX  I contacted sunrise credit services informed them Im a victim of identity theft and the account they are trying to collect is indeed fraud supplied a police report Theft affidavit And official FTC report my Attorney is now pursuing legal action against the creditor and credit agencies as of XX/XX/XXXXXXXX  For reporting fictitious allegations and fraudulent debt Also I have informed XXXX XXXX and supplied the information as well this has caused me emotional distress and now Im seeking to recover from this situation with legal action

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 2024-01-21
Company: ALLY FINANCIAL INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX I got an email that I had a username and password created and a checking account made in my name with ally bank. I dont do business with them and it wasnt me. 
So I called and they said it would be closed, they didnt close it. I continued to get emails that they added a XXXX XXXXXXXX bank ( which I also dont have ) for transfers. Ive sent letters, Ive emailed and Ive called ( and been hung up on ) they wont close this fraudulent account. 
If its not permanently closed I will be getting a lawyer.

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 2024-01-14
Company: Grant & Weber
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
They typed some charges on paper that are fraudulent. They keep calling me threatening legal action and they cant prove this debt is mine or real. Its not my bill. They literally made up a fake bill and debt I dont owe. They said my insurance covered part of it. I was not working then and had no insurance so once again its lies and fraud

. Im tired of being threatened on the phone of lawsuit and cops etc. especially when they made some bill up I dont owe. No coercive reporting Some debt collectors illegally use coercive credit reporting to get people to pay
for debts they dont owe. If those fraudulent debts arent paid, the information can damage your credit. But the CFPB has started cracking down on coercive reporting in medical debt collection. 

Debt collectors are also prohibited from using deceptive tactics to get you to pay. For example, they can not : Claim to be someone theyre not, such as a government representative or attorney Falsify how much you owe or the status of the debt Claim youve committed a crime by not paying Say they are calling from a credit bureau If you believe a debt collector is using coercive reporting or other deceptive tactics to collect money, you can submit a complaint to the CFPB online or by calling XXXX. You can also report them to the FTC.

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 2023-12-06
Company: AMERIS BANCORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I opened an account with Ameris Bank and used an external bank to fund the {$100.00} initial deposit. Also on XX/XX/XXXX Ameris Bank closed my account due to not meeting their risk profile. On XX/XX/XXXX my external account was debited the {$100.00} to fund the already closed account. I called Ameris Bank regarding this on XX/XX/XXXX and I was told that I would receive that money back the next business day. On XX/XX/XXXX after still not receiving the money back I was told that they would not be able to do an ACH transfer and would instead mail a cashier 's check to the address on file. Ameris Bank had tried calling but whenever I would answer there would be no one on the other end. As of today, XX/XX/XXXX, I still have not received any cashier 's check from Ameris Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17
Company: Velocity Portfolio Group
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt and information was stolen. 
XX/XX/22 {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I applied online for a Bank of America Checking Account to avail a {$200.00} bonus promotion. I deposited {$100.00} during the application. Despite receiving an approval email, I couldn't access online banking. Efforts to reset my password failed, and attempting to create a new login led to conflicting messages about the account 's status. 

Unable to reach the helpline promptly, I visited the Bank of America XXXX XXXX in XXXX, XXXX, on XX/XX/XXXX. At the teller counter, I explained the situation, expressing my desire to close the account due to the inconvenience. However, I was informed that my account had already been closed without my knowledge or consent. After working with a banker for over an hour, I was provided with various explanations for the closure, including identity verification issues, security concerns, or unspecified profile-related reasons. 

Despite the confusion, I repeatedly requested the return of my {$100.00} deposit. Following the lengthy branch visit, I was informed that I couldn't withdraw the deposit immediately, and a cashiers check would be mailed to me.

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 2024-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I file complaint number XXXX on XX/XX/31 wherein I contacted BOA to report I lost my debit card, went into a branch verified my identity much to my chagrin where the rudest banker, on XXXX XXXX XXXX XXXX hostile XXXX. I couldnt make an appointment because I was locked out of the app. I had no idea what to do was told to call this number then accused of being rude for calling from the lobby sent to an empty office then reprimanded to move again they ultimately unlocked my account. However a new card was never ordered never sent the old lost card is still active Hours upon hours of trying to report my card lost suffering abuse of BOA employees

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 2023-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Today I was in XXXX I had my BOA debit card and my XXXX card I put it in my sweatpants pocket and I lost them. I tried to XXXX my balance to my XXXX account and it didnt go through so it went and pulled the cash out of my BOA account with XXXX XXXX {$600.00} locked the card, called BOA WHERE I WAS ACCUSED OF FRAUD THEY LOCKED MY ENTIRE ACCOUNT AND INSIST THAT I GO I TO A BRANCH

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 2023-12-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In XX/XX/XXXX, I wrote a check of {$500.00} to XXXX XXXX XXXX for his service in my bathrooms. 
He deposited the check the same day to his account in Wells Fargo bank and my bank account had a withdraw of that check in XX/XX/XXXX. XXXX XXXX received a notice that an insufficient fund from Wells Fargo bank and it won't be available until XX/XX/XXXX. Even though we Wells Fargo banks was contacted for several times and did not explain to us why there was such a delay. 
This morning, XX/XX/, XXXX XXXX and I went to a branch near me and spoke to XXXX XXXX XXXX of XXXX XXXX XXXX  at XXXX XXXX XXXX, XXXX CA XXXX. He rudely dismissed us and restated that the money would be available only in XX/XX/XXXX  which is 13 days after the deposit and the withdraw from my bank account. My bank is XXXX XXXX  and the branch I used is at XXXX XXXX, XXXX, CA XXXX. XXXX XXXX. XXXX XXXX stated the withdraw was successful. 
XXXX XXXX was upset by the statement from Wells Fargo bank that this check had insufficient fund. And the false statement from Wells Fargo regarding to " insufficient fund '' tarnished our company 's reputation. 

In the mean time, Wells Fargo seems to have no delay on depositori and receivers with no XXXX or XXXX names. My in-laws with last name XXXX deposited a {$4500.00} check in her Wells Fargo bank XXXX XX/XX/XXXX was treated differently.

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 2023-12-29
Company: SYNCHRONY FINANCIAL
State: IN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I opened PayPal credit and have made regular and on-time payments due by the XXXX of each month. In XX/XX/2023 I paid on XX/XX/XXXX and took time-dated screenshots as the PayPal system would not let me select the current date of the XXXX as the date of payment. The current date/due date was blocked out and I had to select a future date, thus risking the late fee. Though I have confirmation that I paid on the XXXX, PayPal scheduled my payment for XX/XX/XXXX and charged a late fee of {$41.00}. In a XXXX chat I asked for a refund of the late fee and was denied. The PayPal rep confirmed by chat that payments should post as paid on the date of submission of payment and that payments on the due date are accepted as current payments with no penalty. Yet I was denied a refund of the {$41.00} late fee. This is a violation of the PayPal policy. I have screenshots of this conversation. I can not afford to pay this late fee and will need it reversed. 

Note that my account ends in XXXX and is associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, payment confirmation number 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 2023-12-06
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I disputed this accounts below 3 times with no response ; XX/XX/23, XX/XX/23, and XX/XX/23. 
MOHELA/DOFED : XXXX MOHELA/DOFED : XXXX MOHELA/DOFED : XXXX MOHELA/DOFED : XXXX MOHELA/DOFED : XXXX MOHELA/DOFED : XXXX MOHELA/DOFED : XXXX MOHELA/DOFED : XXXX MOHELA/DOFED : XXXX MOHELA/DOFED : MOHELA/DOFED : They did not enter a notice of dispute. They did not send a response back from investigation. Please see the attached letters. 

Delete this acount immediately for violating my rights : Under 1681i- FAILURE to conduct investigation Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023, I received a letter from Mohela stating my federal student loans have been forgiven 100 %. The forgiveness letter states it is retroactive to XX/XX/2023. 
I have requested information about when it would be reported to the credit bureaus every month since. 
After the first of the month, since XXXX, I am given different information from Mohela. In XXXX I was told the credit bureaus would be notified after XX/XX/XXXX. In XXXX, I was told the credit bureaus would be notified within 60 days. In XXXX, I was told the credit bureaus would be notified after 90 days. In XXXX, I was told the credit bureaus would notified after 90 days and that my balance wasn't updated in their system until XX/XX/2023. This is completely contrary to the letter I have on filed dated XX/XX/2023. 
I am filing a complaint against Mohela for not updating the credit bureaus in the change of the balance owed to Mohela and my federal student loans. 
For inconsistent information and an incorrect date on file. I have spoken to them numerous times and they refuse to transfer me to a supervisor or provide an explanation in the difference in the changes of the dates or length of times to report to the credit bureaus. 
I want consistency and to know why it hasn't been reported to the credit bureaus yet. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I got an email saying the total amount of my loan was forgiven back in XX/XX/2023. My loan balance shows that I owe XXXX dollars on my account but the servicer refuses to answer my phone calls and when I disputed the loan balance on my credit report the servicer reported I still owed the money even though the loan was forgiven and my account shows XXXX dollars owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have several PLUS loans. I requested that all the loans be under the same type of repayment plan. In other words, a request to change some of the loans from the standard repayment plan to the extended payment plan. This request was made on XX/XX/2023, and has not been processed yet. It is now XX/XX/2023. At the same time, they put my loans in forebearance although I didnt request it. I have made the payments to all of the loans, since repayment started in XXXX. 

Also, I it looks like they are overcharging interest on XXXX of my loans. They are as follows : principal, {$15000.00}, interest accrued {$4300.00} ; principal {$16000.00}, interest accrued {$4600.00} ; principal {$12000.00}, interest accrued {$3500.00}. 

Please help me to get all my PLUS loans under the same repayment plan, Extended Repayment Plan. Also, please help me to get Mohela to correct the interest accrued on the loans identified. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: LEXISNEXIS
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:
I demand that you exclude the following transactions from my consumer report. According to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; and 15 U.S. Code 1681b ( a ) ( 2 ) ( a ) In general ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

See transactions below. 

RECORD XXXX XXXX XXXX XXXX XXXX Bankruptcy Filing Number : XXXX Bankruptcy Case Status : 1 Original Bankruptcy XXXX XXXX XXXX Bankruptcy Case Filed in Error : FALSE Bankruptcy Status Type : CLOSED Date Bankruptcy Status Last Updated : XXXX Record Source : XXXX Bankruptcy Court Details : Filing Details : Court Name : XXXX XXXX XXXXXXXX Voluntary or Involuntary : Voluntary XXXX XXXX : XXXX Individual or Joint : INDIVIDUAL Judge Name : XXXX XXXX XXXX Bankruptcy Jurisdiction : OH Proceeding Judge Initials : XXXX Filing Date : XXXX Recording Date : XXXX Number of Petitioners : SINGLE DEBTOR Additional Details : Split Case Indicator : FALSE Transfer Indicator : FALSE Scheduled Close Date : XXXX Bankruptcy Reopen Date : Assets Available : Yes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: MOHELA
State: MN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
MOHELA is responsible for my loans and I contacted them when the XXXX XXXX  was announced. I asked specifically if I would need to do anything to have my loans recalculated since I was on the REPAYE-Alternative plan. They told me no that I would automatically be enrolled in it, no action needed. 

Their website says no action needed on their banner about the XXXX XXXX. 

It took me talking to XXXX separate people last night to be told the Alternative meant that at some point I missed recertifying for the plan. Probably pre-COVID. They could verify when even though supposedly they were supposed to have all my documentation from XXXX. 

Nowhere on the site does it mention needing to recertify. They could have easily sent documentation about needing to recertify instead of charging me {$190.00} instead of the {$53.00} my bill would be under XXXX. They're charging me almost quadruple what I should be charged. 

They say that they'll fix it going forward if my application is approved, but that's not good enough. They need to fix the prior months. I shouldn't be penalized for MOHELA 's predatory practices.

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