BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: FULTON FINANCIAL CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Cash price of vehicle {$26000.00} plus taxes, tags, fees {$30000.00}. The finance contract with Fulton Bank was for 72 months at 4.30 % APR. The dealership did not complete the filing with XXXX Motor Vehicle Administration, which I did not find out until I paid off the vehicle on XX/XX/XXXX and tried to obtain a copy of the title from Fulton Bank. When Fulton informed me they never received the title, I went to XXXX and was informed that the dealership had failed to complete the filing resulting in the non-issuance of the title. How can a financial institution accept {$30000.00} from a consumer for a vehicle they don't have the title for? I now reside in XXXX, I am unable to register my vehicle in the state that I reside without the title, and I am unable to renew the registration with XXXX without a valid registration/title. I also can not prove ownership of the vehicle that I have paid for in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original company XXXX sent me a past due bill notifying me that I owe {$240.00}. However, on XX/XX/XXXX I received information from XXXX XXXX that this debt has been acquired by AmSher Corporate, and the new amount owed is {$730.00}, which I find to be extremely surprising and inaccurate. Upon contacting AmSher Corporate, I was provided with payment options without any explanation of the bill, in a manner that I found to be quite rude. At this point in my life, I am experiencing financial hardship due to unemployment and lack of savings. The company has offered me the option to start making payments by mail, as I currently do not have sufficient funds in my accounts. Furthermore, they were unable to verify the date of birth I provided, insisting that it was incorrect, despite my certainty regarding my own date of birth. This has led me to believe that the company may be engaging in questionable or even illegal practices.

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: Experian Information Solutions Inc.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 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 2023-12-06
Company: Experian Information Solutions Inc.
State: VA
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 second attempt to investigate this account with XXXX XXXX XXXX XXXX I do not have a account with this company and this company do not have my permission to insert this account on my credit file I asked for the original contract never did I receive on then. EXPERIAN said they did verify this account with XXXX XXXX XXXX XXXX XXXXXXXXbecause I have proof from this company that I don't have a account so my question is why is it on my credit file. PLEASE hold this company accountable.I submitted proof of this.

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 2023-12-06
Company: Experian Information Solutions 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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Consumer complaint received 2023-11-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had bought a online course for XXXX bucks when it wasn't as stated i clearly told them to return took a screenshot of the return policy ( which i was rightfully inside my limits to return it to them for a full refund ) no one answered you couldnt find the number to call i emailed the guy that helped me but to no avail no help so i filed a claim with chase and gave them the return policy so theu knew i was rightfully in my limits to return what i had bought, the course wasn't as described and i didnt want it after chase supposedly looked into this they said the charges were verified. I didnt ask for a fraud check i asked to get my money back when i tried to return my purchase INSIDE THE RETURN DATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I was charged over {$2000.00} dollars a month for flood insurance. When I called to their attention, it only cost {$900.00} a month, they charged the amount charged.. How do I find out how many months I was over 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 explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX is reporting inaccurate information. 
FCRA laws states all information must be 100 % accurate with all credit bureaus 1.Date Opened 2.Date of Last Activity 3.Balanced owed 4.Account 5.two-year payment history 6.credit limit this account is inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following the Credit Reporting Industry 's Metro 2 Format standards. If you can't do that, then clearly my credit report and what youre reporting for is not accurate. 
pls remove or delete account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have a mortgage with Freedom Mortgage, and until XX/XX/2024 my payment remained at XXXX, now in XXXX it went up to XXXX without prior notice and when I call fredomn morgatge they say that the escrow went up, but without any other response. 


My home XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2024-01-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I have been asking for help since XX/XX/XXXX from my lender. asked for forbearance and was told I didn't qualify for any programs for assistance although I still sent applications for assistance. now it's XX/XX/XXXX and they still will not help me. preparing legal papers for foreclosure now. 
I also applied for help from HAF AZHousing and was told my application was rejected or not completed when I saw my application on my account. they are out of funds now everywhere I apply. This was in XX/XX/XXXX. I don't understand why I'm not able to get a deferment for 3 months. Select Portfolio Servicing refuses to help me still.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
To whom it may concern, please understand that I was approached by an XXXX woman via a phone call who intentionally called me in order to start a relationship with me. Over the course of several months, she nurtured the relationship with me in order to convince me to invest money on the XXXX XXXX platform which I did and my investments began right around the XXXX XXXX XXXX, 2023. I started transferring first small, then bigger, and bigger amounts of money from my Wells Fargo account in order to support my investments, with her as my broker and guide. Somewhere around XXXX this year is when I saw what I had assumed were profits from my investment efforts, which were falsely presented and utterly fabricated. This is when I wished to withdraw my earnings, however, she informed me there was a problem with my account and that I should contact the support team. The support team asked me to pay taxes for my alleged earnings and even connected me to an individual who represented themselves as a US agent of Law Enforcement. After being asked to pay taxes in XXXX different states as well as an Anti-Money Laundering tax, I sadly realized that I was being scammed all along. My total investment amounted to XXXX USD at that point and this is the total amount I had transferred from my Wells Fargo account to the XXXX XXXX platform in order to fund my investment which I believed to be a real endeavor. I was absolutely crushed when I realized that I was being tricked all along, maliciously manipulated into giving away my fund. I am a father of XXXX XXXX  and the reason I was doing something like this is to support my family and help my XXXX  on their lifepaths. In these trying times, with agile professional thieves lurking and engaging honest, hard-working, and family-oriented people like myself, I must turn to the conclusion that I could have been protected on a higher level by you, my bank of choice . I must question why this type of erratic activity on my account was never investigated and why I was not stopped from making these ill-decided investments. I must ask you to honor my choice of you as my financial services provider and my long-term loyalty and help me by reimbursing this amount of XXXX USD that you have helped facilitate from my account into a non-lucrative investment, induced and led by scam artists which predate and make use of your system and client negligence to this very day. I humbly request that you help me get back on track with my life as a father of XXXX XXXX XXXX  that need me to provide for them and assure me that my client relationship with you is a valuable one and that I have not wasted all these years by putting my trust in you to guard my assets, even against bad decisions I might make, maliciously persuaded to do so or otherwise.

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 2024-01-22
Company: U.S. BANCORP
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
US BANK REFUSES TO ADDRESS THIER ERROR ON MY CREDIT REPORT DUE TO CUSTOMER SERVICE STATING BECAUSE THERE IS FRAUD ON MY ACCOUNT DO NOT MAKE A PAYMENT. US BANK ASLO REFUSES TO LISTEN TO RECORED CALLS AND STATES ONLY THE INVALID ADDRESS CAN ADDRESS THE ISSUE ON MY ACCOUNT. I HAVE MAILED THEM A LETTER MULTIPLE TIMES THAT HAS BEEN RETURNED TO SENDER EVERY TIME EVEN AFTER VERIFYING THE ADDRESS MULTIPLE TIMES. THIS ISSUE IS ON GOING BEYOUND A YEAR NOW.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
account ending in XXXX and opened XX/XX/2015. Believe it was a XXXX XXXX XXXX XXXX This was repossessed without discussing options to pay or recover. The company refused to provide proof showing attempt was made to sale vehicle at fair market value and balance remaining in report is excessive

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 2023-12-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please correct and update it 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 explanation
Consumer complaint received 2023-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
( Capital One # XXXX  ) ( XXXX XXXX # XXXX  ) has violated my rights. 15 USC 1681 section 602 A 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 accounts without my written instructions.15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
i applied for Bank of America Business credit card on XX/XX/ and was denied ( application XXXX XXXX XXXX regardless of reason fo being denied, i have the right to credit. withholding my securities is securities fraud, according the the Equal Credit Opportunity Act and the Consumer Credit Protection Act i have been discriminated against. bank of america is violating this acts along with title 12 usc 1431. i previous complaint was closed as resolved when no action was taken i retracting my application.

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 2024-01-25
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received a charge on XX/XX/XXXX on an account that had been closed in XXXX of XXXX for the amount of {$26.00} for a purchase made out of state. I had previously spoken with FNBO and was told that the fraudulent charges would be removed. When I questioned how this happened, I was told that it is company policy to issue a new card in a cardholder 's name when an account has been closed. Without the cardholder 's knowledge. Now the charges still exist, and they expect XXXX  to pay 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 2023-12-05
Company: Experian Information Solutions Inc.
State: NY
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 have a fraudulent account on my credit report, which I reported it to XXXXXXXX XXXX yet XXXXXXXX XXXX  is not removing this fraudulent account. XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX has refused to do this. The following is the fraudulent account : 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 2024-01-19
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I am working with a Credit consolidation company ( XXXX XXXX ), so I put stop payments on XXXX loan companies that I borrowed with since they were charging me outrageous interest ( 799 % ). 

I notified the bank of my situation, and they suggested I stop payments on my checking account. I stopped payments from my account XXXX weeks before the money was supposed to be withdrawn ( XXXX XXXX ). But my bank failed to stop the payment from coming out. 

They played a recording saying that they are not at fault if the money is still taken out, but I could have gotten better guidance from the bank. I could have taken the money out the bank so that there was no money for them to withdraw. 

I called the bank every day for the last 2 weeks, and they said that I should have gotten the money back in 5-7 days. It's been almost 2 weeks, and I Still haven't gotten that money back. I called today and they told me that the payment is processed, and they can't do anything. I was given 100 % guarantee by BMO main office that I should be getting the money back.

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 2024-01-22
Company: Bridgecrest Acceptance Corporation
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have an issue with Bridgecrest. They charge outrageous interest charges. I have been making bi weekly payments toward a used XXXX XXXX XXXX  since XX/XX/. The payments were supposed to be {$350.00} per month not biweekly for five years. The total including finance charges is {$55000.00} in which I could have purchased a brand new car for this amount. This amount surpass my annual income. I have made some repairs on it already such as the right signal light and oil and filter change. The roof leaks each time it rains and leak down in the center console. The car had XXXX at the time of purchase. At this rate, I will not be able to repair my credit nor get something reliable to get back and forth to work in. Any suggestions are greatly appreciated it? 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 2023-12-05
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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