BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX there was a fraudulent transaction posted on my checking account ending XXXX for the amount of {$8700.00} by XXXX XXXX XXXX XXXX Bank of America and filed a claim on XXXX XXXX XXXX XXXX XXXX. On XX/XX/ Bank of America sent a letter stating they are unable to approve the claim. 

Checking Account XXXX XXXX XXXX XXXX XXXX Bank of America

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 2024-02-01
Company: BlueChip Financial
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Says loan was taken out XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00}. XXXX. Ref XXXX. Online loan never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My vehicle was finance with Wells Fargo. A year and XXXX into my auto loan Wells Fargo called me and stated because of my timely payments They would like to offer me a {$5000.00} dollar personal loan. I did except the Loan not knowing that they would put a Loan on top of a Loan. After 5 years of paying my auto Loan I was told I had another 2 years into paying my Auto Loan off which the {$5000.00} added on to my original Loan. Wells Fargo Repossessed my vehicle and told me I owed them {$12000.00}.

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 2024-02-01
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to express my serious concerns regarding a matter of identity theft and its impact on my credit report, specifically in relation to the debt collection activities associated with this unauthorized account. This charge was added recently as a collection account and when Credit Management was contacted they stated they didn't see this account showing under my correct ssn, dob, and address. 

Upon discovering discrepancies on my credit report, I initiated the dispute process and provided all necessary documentation to support my claim. Regrettably, the resolution of this matter seems to have stalled, particularly with respect to the debt collection agencys actions. 

I wish to bring to your attention that under the Fair Debt Collection Practices Act ( FDCPA ), consumers are entitled to fair treatment and prompt resolution of disputes. The delay in addressing this issue not only impacts my financial standing but also raises questions about compliance with applicable laws.

I believe there may be a violation of credit laws in the debt collection process related to my case. I request an immediate and thorough investigation into this matter, ensuring adherence to all relevant laws and regulations. Additionally, I would appreciate timely updates on the progress of the investigation and the steps being taken to rectify the inaccuracies in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Originally on XX/XX/year> I purchased an engagement ring through XXXX. Unfortunately the ring was sent to the wrong address because XXXX dropped it off at the wrong address. I contacted XXXX and they did an investigation, which concluded with them finding that they indeed made an error and sent the package to the wrong address. 

I was going to XXXX in XX/XX/year> and was planning to propose there. XXXX and the resolution center was taking a longer time to resolve the issue. I then reached out to Wells Fargo. Wells Fargo gave me a credit for the purchase. During which time I was unaware that Wells Fargo needed additional information from me. Today XX/XX/year> Wells Fargo reversed the credit citing that I had not responded to a postal mail request from them. However, all my preferences for communication are set for email. 


My account is currently overdrawn because I reached out to Wells Fargo for help. If it was a matter of simply sending them in anything I was more than able. I still have all the correspondence between myself, XXXX and XXXX. This is all because the engagement ring I ordered went to the wrong address. I am currently unemployed and my unemployment insurance has been very essential to my well being and now I am in a much more challenging place because of my bank.

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 2024-02-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
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:
We contacted the mortgage servicing company when the loan was a couple of months in default, where we requested to make payment and the company refused to take the partial default payment at the time. We then applied for a modification and was declined. 

Over the past couple of months, we have been in contact with the mortgage company and repeated requests for a modification to be told no. Recently, the servicing company had a representative come to the residence to confirm that the house was still occupied. In the many communications with the mortgage company, they were told each time that we are living in the residence and do not plan to move as our goal is to prevent foreclosure and set up an arrangement. The reason for the default was due to unpaid services for work performed. At the time of the modification application, my spouse 's income was steady. Now, there is a reduction of income. However, when we attempted to reapply for the modification, it was not reviewed but automatically declined. 

In XXXXXXXX XXXX  and again today the servicing company had a representative come to our home to confirm that the address was occupied and he gave personal information to a third party who has nothing to do with the loan or residence. The representative handed the third party a door hanger that stated among other things that " This communication from a debt collector is an attempt to collect a debt and any information obtained will be used for that purpose. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
To Whom it May Concern : Re : Discrimination by US Bank Due to ethnicity, age, sex, or disability My name is XXXX XXXX my Home equity loan # XXXX Loan application date XX/XX/year> It is clear that U.S. Bank Corp has persistently discriminated against certain customers due to their religious or political affiliation. This discrimination is unacceptable. U.S. Bank Corp must stop such behavior and align its business practices with the anti-discrimination policies that U.S. Bank Corp proclaims. 

In its public-facing statements, U.S. Bank Corp markets the companys professed openness and inclusivity. U.S. Bank Corp touts that it opposes discrimination in any form and promote an inclusive society where everyone feels welcomed, equal and included. Likewise, the banks Equal Opportunity, Anti-Discrimination and Anti-Harassment Statement promises : No form of discrimination, harassment, inappropriate or abusive conduct is tolerated by or against employees, customers, vendors, contractors or any other individuals who conduct business with U.S. Bank Corp. All employees, including managers and employees in non-managerial positions, are required to promote equal opportunity. 

This is far from the experience i received while applying for financing for a home equity loan from this banking institution. My loan application was unfairly processed and ultimately denied even though I met all the guideline required for this loan. I was asked by my loan officer certain alarming questions like my race and my sexual orientation these leading questions gave me some form of in-site as to the true nature and practices of this company through the line of questioning. 

I was not given a definitive answer as to why my loan was denied other than a made up guideline that was not associated with my initial pre qualification requirements to be approved for this loan. I met all the required guidelines outlined. it was only after i was questioned about my race was i denied a short time after.

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 2024-01-26
Company: Paramount GR Holdings, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I am paying for a loan that the contract has not been satisfied. The loan I am paying is for a solar system that is not working. GoodLeap made statements that were not true so that could get the loan. This company is praying on the elderly. They said that is I would give them the money from the tax rebate that my payment would remain the same. They lied.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
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:
We have called the Kia Leasing Department several times to request this form and we have been very specific that it needs to have the DO NOT MAIL water mark on the form. The Illinois Secretary of State requires this water mark as proof that sales taxes have been paid so the car can be retitled in our name and that we can properly register and plate the car. We purchased this car on XX/XX/XXXX and as of XX/XX/XXXX we have not received the appropriate form in spite of numerous requests on our part. As a result, we can not retitle the car and can not update registration and get new plates. No one from KIA seems to know how to resolve this and every time we call we have to start from square one and deal with a different person. We have spent hours on hold, have been hung up on, lied to and we have escalated to supervisors on 3 separate occasions without resolution. Since KIA has leased and sold cars in Illinois for as long as I can remember, I find it unbelievable that they do not have a documented process that they follow. It should not be on the consumer to follow up to get the proper documentation. We met our contractual agreement to lease and purchase the car and we expect the same from KIA. A buyout at the end of a lease should be a core business process and the level of incompetence and apathy we have experienced is stunning.

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: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I apply to Citi Bank saving account on XX/XX/XXXX and get rejection letter in couple of days. I give a call to number provided in the letter ( XXXX ) and was explain that further verification required. After spending couple of hours on the phone : providing all info requested and signing documents via XXXX, I was explained that my application accepted. I received a pin code for new debit card on XX/XX/XXXX ( and expected debit card in a couple of days ). Today, I received another rejection letter ( reason : unable to verify information, file number XXXX ). I give a call to XXXX XXXX  again ( XXXX, fraud protection team ) and was explain that application could be ONLY PROCESSED in the branch office!!! 

Customers should be explained that account could be opened ONLY in the CITY BRANCH OFFICES ( why then they have a button apply online / and phone number to create new accounts )?

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 2024-01-24
Company: American Collection Systems, Inc.
State: WY
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Didn't provide services promised

Complaint:
On XXXX XXXX, XXXX I was served garnishment papers from the American Collection System, INC. In the amount of {$23000.00}. The total judgment is {$11000.00} and the post judgment interest is {$12000.00}. On XX/XX/XXXX my employee check was garnished in the amount of {$590.00}. This debt is 12 years old and has been off my credit report since XXXX. In XXXX I made arangemnts to pay {$50.00} a month since I did not have much money than since I was going through courts for custody. The manager at ACSI said once I made consistant payments for a few months that she would stop the interest payments. A few months go by and I call to talk to the manager and asked if she would stop the payments. She said she could not do that and never told me that she would in the first place. I have talked to many people that she has said the same thing to them. While making the payments the payments went twords that smaller bills, while the larger bill got hit the hardest with interest. Ususally when applying interest it is on the balance and not on every item. So making the monthly payments did not even make a dent on my debt. When I started this the amount was around {$21000.00} in XXXX. 


Before garnishment i called ACSI to see if I could make payment arrangements the manager said she could not make any kind of arrangements until 90 days. On XX/XX/XXXX the manager called me to see if I wanted to make some type of arrangement. She said the garnishment was a one time garnishement. I do have a court date on XX/XX/XXXX. XXXX. 
Prior years I have tried to offer {$10000.00}. to settle this case many years ago and they will not work out anything unless its more than 75 % I feel like this company is taking advantage since I am a single mother. I also feel like my due process right have been violated.

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 2024-02-05
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Multiple fraudulent attempts to impersonate vendors were attempted using US Bank bank accounts.

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 2024-02-05
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XXXX I opened a joint account with my wife at the time with Wells Fargo Bank. We divorced in XXXX at which time she was responsible for the Wells Fargo account per the divorce decree. Checking my credit files with the three major credit bureaus this information from Wells Fargo is still being reported on my credit reports. 

I spoke with a representative at Wells Fargo on XX/XX/XXXX and we closed the joint account. The representative told me that the account will still be reported on my credit reports. If for whatever reason my ex decides not to pay or pays late this information will also be reported on my credit report. 

Although I dont anticipate my ex not paying it because she has paid it consistently for years it is still an outstanding balance and it is adversely affecting my credit score. The reason why I believe it is adversely affecting my credit score is because she makes the minimum payment. 

Recently, I always pay my credit card balances in full each month. I am trying to achieve the highest credit score possible. This Wells Fargo account is hampering my ability to achieve that goal.

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 2024-02-05
Company: U.S. BANCORP
State: TX
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was on XXXX got the card started using the card. Next thing you know notice that my money was disappearing I was getting you know never let the the car was letting me know that stuff is going on but I'll call the bank and told them that I wasn't spending any money. At that point I had to freeze my account. Because they wouldn't us XXXX  would not then from there they said they can identify me. My phone got stolen so a lot of things happen but now they now the bank has closed my account but now they can identify me I'm asking for help they tell me to call XXXX XXXX  won't pick up the phone. I need help

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 2024-02-05
Company: January Technologies, Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This is referring back to my case last year XXXX, I am constantly trying to get this resolved while XXXX continues to provide no updated information nor help. I have contact XXXX  numerous times via email and phone and all they say is someone will contact me, this has been for the past XXXX months no one from XXXX has ever contacted me regarding this. 
XXXX  claims I owe {$2400.00} towards a debt for an item I told them I never received, since XXXX  refuses to respond to anything I had to raise a claim with who they says is my current debt collector " XXXX ''. That claim has since been resolved since XX/XX/23, I received an email from XXXX stating that as of of XX/XX/23 XXXX will no longer attempt to collect on this account on behalf of XXXX. Anymore questions contact XXXX, which I have done and I have never got a response from them since last year. I am aggressively trying to fix my credit as I don't have a car right now so I really would like to push this issue to be solved and off my credit asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I am having issues with this company continuously requesting the same paperwork over an over again. I requested a 12 month repayment plan they submitted a 5 month repayment plan. Now that I requested the change they are requesting the same documents over again when nothing has changed

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 2024-02-05
Company: MoneyLion Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I took out a personal loan with MoneyLion in XXXXXXXX XXXX 2023 to pay some debts, I have always paid the loans payments timely, I was terminated from my employment and I was unable to collect unemployment where I was not able to pay timely, I HAVE ZERO SUPPORT FROM ANYONE, my family has disowned me due to my lifestyle as a XXXX XXXX, I have no friends to XXXX XXXX, XXXX XXXXXXXX, AND XXXX XXXXXXXX due to XXXX XXXX XXXX XXXX. I was denied unemployment benefits multiple times due to an issue that I was not aware, I was also evicted from my place of residence along with the repossession of my vehicle in which I lived in upon my eviction, I have been living in shelters, living motels with vouchers, squatting in vacant properties and sometimes sleeping on the streets or in public places where I also wash up along with washing clothes. I have been trying to get on my feet since the job termination and eviction. However, with the late payments and other barriers on my credit reports I AM UNABLE TO GET HOUSING AND HOUSING ASSISTANCE here is ON A YEAR OR LONGER WAITLIST. Most of the shelters in XXXX XXXX are full and told me that I need help beyond their qualifications. By having this negative information removed IMMEDIATELY, it would help me get steady employment, housing, a vehicle and a normal life as I have been XXXX XXXX XXXX along with MULTIPLE XXXX XXXX XXXX XXXX and an XXXX XXXX with a man for 6 years who repeatedly pushed me down the steps, XXXX XXXX, gave a XXXX XXXX due to him cheating with someone else outside of our relationship, NO ONE WAS there to support me in anyway, I have been dealing with this alone and I can not achieve XXXX due to this issue or perform during XXXX activity. I WILL SUE FOR {$34000.00} and an additional {$2500.00} for legal fees IF THIS REQUEST IS NOT MET!! I AM ALSO REQUESTING THAT THE LOAN BALANCE IS PAID IN FULL AND THIS ACCOUNT is REMOVED FROM ALL CREDIT REPORTS IMMEDIATELY!!

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