BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In XXXX of XXXX, Wells Fargo reduce my credit limit by from {$19000.00} to {$9000.00}. When I inquired as to the reason the response I received was that I was late on a monthly payment. This late payment was due to the bank changing my statements from paper to paperless without my authorization. I requested that the back wave the late fee and reinstate my credit limit and requested documentation that I approved the paperless change in receiving my invoices for payment. After 2 months of escalation of the issue to the head office, I was told they could not provide the documentation and the basically said that they have been sending both paper and paperless billings to me so the matter was not valid. They do not even have an option to have both paperless and paperless billing options available. It is my contention that they are purposefully changing customer accounts to paperless without authorization in hopes to collect late fees when the client doesn't pay the bill on time. I am wondering how many other Wells Fargo clients have been defrauded by this type of 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 2023-08-01
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I made a water bill payment on XX/XX/23 for XXXX. Chime said that the merchant declined the payment. When I asked where the money went-because it has not been returned to my account, they said they couldnt see a transaction. I was transferred 3 or 4 times and had to explain the situation multiple times in each conversation because they were not trying to be helpful. They were going to transfer me again but I disconnected. One agent said it was on the merchant, but if my money went to them why wouldnt it show up in my account? And if it didnt go to them, where is my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I opened a small business checking account at the XXXX IL XXXX reacting to the email offer sent to me by Chase Business on XX/XX/XXXX. The offer features a {$750.00} bonus with the deposit of {$30000.00} or more into the account. 
I opened the account at the branch assisted by XXXX XXXX. When I provided the offer bonus code sent to me ( XXXX ) XXXX XXXX accepted it stating there is a temporary error processing the order but that he will take care of it. I asked him if he needed to receive the original email with the offer he indicated he didn't need it and that the code only is fine but I sent it to him anyway. Either way he did not provide me with the offer receipt but he stated that it will be processed shortly. Several hours later XXXX XXXX contacted me by phone stating that the bonus offer will not be processed after all and the reason for it is that I have had a prior business relationship with the bank precluding me from receiving it. I took this issue up with the branch manager who then referred me to the market manager XXXX XXXX for resolution. XXXX XXXX said he will reach out to the marketing dept that produced the offer and he will try to reach out on the resolution. On FRI XXXX XXXX called me back and announced that the offer will not be extended to me since according to their records last time I obtained the bonus on XX/XX/XXXX within the 24 months exclusion period. 
Here are the issues : 1 ) Why is Chase business sending me offers which automatically preclude me from receiving them? 
2 ) Why is the banker at the branch accepts my application including scanning for previous offers in my 3 existing profiles kept by the bank to at the end announced on the phone that the offer is not available? 

I have been doing business with XXXX XXXX XXXX that then morphed into Chase since the XXXX and to be frank I really do not appreciated to be treated in such deceptive way. In a process I also fund out that my funds at the bank despite being drafted on the local bank are held way in advance of the regular hold that indicated ( on the receipt ) the funds availability on XX/XX/XXXX. The phone disclosure stated that the funds will become available on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This account is protected by the Cares Act. Capital One refuses to follow the law by refusing to update the late payments associated with this account. According to the Cares Act Under new agreements with creditors once the account is brought current the late payments have to be updated to current which Capital One Auto finance has failed to do. Please update my credit reports and remove all late payments from XXXX, XXXX and XXXX associated with Capital One Auto Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.

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 2022-03-11
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have had a XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX  since XX/XX/XXXX in which it payed 1 % cash back or 3 % on a new XXXX XXXX. I had {$960.00} cash awardes earned I got a letter stating they had sold out to XXXX XXXX awards. On XX/XX/XXXX I called XXXX XXXX and asked them to send me my cash reward money. I was told a I had to have claimed my rewards before XX/XX/XXXX but I would not lose my reward money. They said I could charge it on my new Marcus card as a credit. I contacted Marcus about activating my new card and redeeming my {$960.00} I was told I no longer had a XXXX credit toward a new car and the {$960.00} was all I could use toward XXXXXXXX XXXX and could only use {$250.00}. per year. I am being held hostage by these two companys and want my {$960.00} sent to me. To my knowledge I was never notified that this would happen with my rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
We disputed the exorbitant charge for damages or condition of XXXX car when turning in lease as per the agreement. They then charged off the remainder and gave us a bad credit report without discussing with my wife what they were doing. I was a bystander to this mess, even though I co signed and ensured all payments were made on time.

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 2023-05-27
Company: CITIBANK, N.A.
State: NC
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:
In accordance with the Fair Credit Reporting act XXXX  Accounts : XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( Miscellaneous ), XXXX XXXX ( Miscellaneous ), 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 agenecy can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: SYNCHRONY FINANCIAL
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a letter from Synchrony Bank on XX/XX/22, stating that a cease and desist was notated on my account, upon my request. However, the phone calls are still coming from the bank. The individual name is XXXX XXXX, XXXX. 

The promise made by XXXX XXXX, Senior Specialist on XX/XX/22 isn't being honored. 
The letter also stated that my solution to charge off the account couldn't be honored. However, there was no explanation given to cfpb. And I would like to know why? 

An Alternative solution is a settlement for partial of the due balance. I explained that I do not have unemployment benefits. This would be an ideal solution. Considering the circumstances of financial difficulty.. 

I would like the Specialist in a letter to the cfpb specify why they denied a charge off. And consider a settlement under my special circumstance. XXXX claim to be compassionate and understanding towards the needs of the customer and has plans to assist. But do not qualify for any of them as discussed with an agent. 

So, XXXX assessment is inaccurate and a settlement would suffice during this current moment of crisis. There's no way that I can keep up with the mounting late fees and interest while under financial hardship. 

If a settlement offer is rejected. I would like an explanation letter to CFPB as to the outcome of Synchrony decision.

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 2023-09-29
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It XXXX Concern, I am writing to dispute the charge-off entry listed on my credit report. The basis for this dispute arises from the fact that I have not received a XXXX XXXX ( Cancellation of Debt ) as required by federal tax law. 

According to the Internal Revenue Service ( IRS ) regulations, a creditor is obligated to issue a Form XXXX to the debtor following the cancellation of a debt exceeding {$600.00}, as per Section XXXX of the Internal Revenue Code. This form serves as a critical document for tax reporting purposes. 

Details of the disputed item : Creditors Name : XXXX  XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Creditors Name : Best Buy/ CBNA XXXXt Number : XXXX Date of Charge-Off : XX/XX/XXXX Creditors Name : XXXXXXXX XXXX XXXX Account XXXX Date of Charge-Off : XX/XX/XXXX Creditors Name : XXXX XXXX XXXX Account XXXX Date of Charge-Off : XX/XX/XXXX To comply with both IRS regulations and my rights as a consumer, I kindly request the following actions : 1 . Investigate the presence of a Form XXXX issued by the Creditor for the debt in question. 
2. Verify whether the charge-off entry on my credit report was indeed accompanied by the issuance of Form XXXX. 
3. Confirm whether the issuance of the Form XXXX was executed in accordance with the IRS regulations XXXX as required by law. 

I am determined to ensure the accuracy and completeness of my credit report, as well as to fulfill my legal obligations regarding any tax implications arising from the cancellation of debt. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 2 ), I request the prompt removal of the charge-off entry from my credit report should it be determined that the issuance of Form XXXX was not compliant with the IRS regulations. 

Furthermore, I reserve my rights under both the FCRA and the IRS regulations to address any discrepancies or violations in accordance with applicable laws. 

I trust that you will handle this dispute diligently and in strict adherence to the law. Please provide written verification of the results of your investigation within the prescribed timeframe as stipulated by FCRA Section 611 ( a ) ( 8 ). 

Sincerely,

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE.

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 2023-05-27
Company: CBC Companies, Inc.
State: NC
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:
In accordance with the Fair Credit Reporting act Convergent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Miscellaneous ), FACTUAL DATA ( Miscellaneous ), 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 agenecy can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed  for a reasonable conclusion has been determined.

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 2023-09-26
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
There are XXXX XXXX XXXX on credit report XXXX for {$5800.00} and XXXX for {$1400.00}. These incidents occurred on XX/XX/XXXX. These were billed to insurance and no debt is owed. I have tried to work with company to get this removed with no avail. They also keep moving the open date which is currently showing XXXX so that it stays on credit report. Both of these should be removed as they are over XXXX XXXX XXXX. There is no way of me to pay or charge insurance again as XXXX XXXX does not even have records of this visit anymore or the insurance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Had direct deposit with NetSpend prepaid debit card by XXXX on XXXX first SSI benefits posted however the company gave me a hard time about retrieving my funds off that card for about six days I was given the runaround so I asked for the account to be closed at which time on XX/XX/XXXX they claimed they closed the account and returned my SSI deposit back to Department of Treasury today is XX/XX/XXXX and I still have yet to see my SSI deposit for XXXX I would like them to release my funds

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 2017-06-29
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Erroneous and excessive fees, poor communication, lack of point contact, inability to reach any same person twice, inability to reach escrow department, first loan mod in approx XX/XX/XXXX approval for Hamp but recieved a LIBOR ( no choice and set me up to fail, by stating 'make no payments ' ) Miss-statement of alleged amounts owed, harrassing phone calls when late, ( three times a day ), excessive 'inspection fees ', mismanagement of escrows, forced insurance ( insurance and taxes are escrowed ) During the shuffle from AMHS to Homeward, back to Ocwen, I was informed my insurance was canceled, however when I contacted my insurance, they claimed 'non payment was reason for cancellation, Ocwen said too bad, they 'Homeward ' were a different company and now I must secure new insurance ' Homeward is Ocwen, they misrepresented the facts. AMHS is Ocwen, XXXX XXXX is parent company. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I fell behind and was offered HARP, with a payment plan, every notice I received the principal, interest and escrows figures changed, varied and did not compute. Iv been paying on this account since XX/XX/XXXX with XXXX beginning balance, yet they show balance on XX/XX/XXXX as XXXX. Can not get strait answers, foreclosed XX/XX/XXXX bank bot back, property in REO > I have never dealt with a company with such disregard, in attempting loan mod, was told to fax 24 pages, they never got, had to resend. Fed up, I paid up in XX/XX/XXXX, mentioned I was not caught up with tax returns, they said " we can get around that ''. I Called back and was instructed to wire money to a XXXX XXXX account via XXXX XXXX ( i have full documentation and receipts on this transaction ) Odd, I suspect money laundering, definitely identity theft, as my vital personal information ( they never received in loan mod attempt ) went to who knows where? This is THE absolute nightmare of a company who takes very little responsibility/accountability/outsourcing their customer calls to a foreign country, who do not understand off 'script ' EXTREMELY FRUSTRATING TO DEAL WITH > HORRIBLE experience for ten years!! THE WORST. Came from Option One who went down in XX/XX/XXXX, months after I originated. Ocwen has been 'master servicer ' since the beginning. They will ruin your credit, and basically do whatever they want not short of take your house when servicers are not allowed to enforce anything but payments. Do not be fooled, they will lie, cheat, and cover up at every opportunity.

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 2018-04-12
Company: Integrated Recovery Services
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This company calls me repeatedly but won't send me any hard proof of loan that they say I took out with them. I don't recall this loan. I think they have my information because I applied for one a long time ago. 

They call me weekly with this message : Good morning my name is XXXX calling on behalf of Integrated Services XXXX XXXX. I'm calling to speak with you concerning docket # XXXX. It's imperative that I speak with either your or your attorney immediately regarding this matter at XXXX x XXXX. 

Last call was placed on XX/XX/2018 at XXXX XXXX XXXX. They have called my husband as well leaving message that they are a lawyer and trying to contact me. They also call my work phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: FL
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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
XXXX XXXXXXXX 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 non-monetary relief