BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I spoke with XXXX a supervisor at CapitalOne and he would not even verify his agent number properly. It was either XXXX of or XXXX. Every time I tried to verify using alpha letters he wouldnt even verify it. Said there is no other supervisor above him that I could be transferred to and said I would have to hang up to get another supervisor. I was inquiring about how they track payments and none of my questions were answered. I provided a tracking number from USPS to show them I made a payment. I dont even know why their roles exist if they cant answer any questions. Everything was just frustrating and unprofessional. Ive never had this level of incompetence when dealing with bankers and creditors. They make verbal promises and then wont send any kind of written account for the false promises they make. And then, they make you feel like the bad guy for wanting things in writing. They will tell you they dont write out any agreements for settlement when I know I have received it before. There are too many people who cant even verify something that was said prior or have any level of consistency. 

These agents need to be held accountable for what they say and promise customers. How is this practice OK?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
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:
Acceptance Corp have been on my credit report for 7 years as of XXXX XXXX XXXX and they are making me stress and putting false thing on all my credit and reporting it will not be removed until XXXX which is what going on with this company and reporting this to my banks putting 5 late payment and 11 collection and and report one Default loan on XX/XX/XXXX I did not apply for any loan with this company on XX/XX/XXXX I want them to be removed I not allow company this retaliation against me nor pully me in anyway I will write my Governor XXXX XXXX in my state of Virginia and let him know what is going on with this company and XXXX  to do this to me is this person working with Credit acceptance are they paying someone to do this in the credit bureau because it is not on XXXX or XXXX but all the other credit agency have it posted I have been finding this on a lot of credit agency .This is not a new credit it is 7 years old XXXX XXXXhis should be removed as of XX/XX/XXXXXXXX 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 2024-01-25
Company: REGIONS FINANCIAL CORPORATION
State: FL
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:
XXXX # XXXX, loan under XXXXXXXX XXXX XXXXXXXX on XXXX XXXX XXXX, loan was paid in full in XXXX on time. Assumed title was electronic, until I sold car and lue. Is still in car. Worked with regions sent all info on to get lien removed and lien is still on car. Please have them remove it. Faxed all info to regions purge line and worked with XXXX XXXX bank president. Told me luen be released 10 days ago and lien still on car loan under XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX. Phone XXXX. Vin above. Requesting release of lien car is sold and I can not get title. I did everything they asked and still no release. Bank says it's in purged accts and gave me fax number to release lien, XXXX XXXX faxed info to appropriate line. Nothing happens. XXXX are me do not have loan number any more due to age of loan. I sent ss XXXX, vin and requested lien be removed n it still in car

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 2024-01-18
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6o2 states I have the right to privacy 15 USC 1681, section 6o4a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 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 2024-01-18
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit acceptance is a fraud company, they used lemon car companies to add extra charges. I returned car after 30 days due to motor blowing and they have put entire car price on my credit. They have been sued multiple times for these very same practices

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: CREDIT ACCEPTANCE CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I am writing to express my deep frustration and dissatisfaction with the recent experiences I have encountered with Credit Acceptance, specifically in relation to the repossession and subsequent release of my vehicle. 

On XX/XX/XXXX, I visited the Credit Acceptance website to make a payment to retrieve my repossessed vehicle. I went through the payment process on their website, received a confirmation, only to discover later that the payment was processed through a third-party service without my knowledge. This lack of transparency is unacceptable, as I intended to make a direct payment through Credit Acceptance. 

Despite the payment being confirmed on XX/XX/XXXX, I have been informed that I must wait until XX/XX/XXXX, well beyond the initially communicated XXXX business days, to have my vehicle released. This contradictory information and prolonged delay are causing unnecessary hardship and inconvenience. 

Furthermore, my account reflects a discrepancy in payments, as I have paid a total of {$9000.00} since XX/XX/XXXX, yet Credit Acceptance insists I am behind by {$3700.00}. This inconsistency raises serious concerns about the accuracy and transparency of their accounting practices.

I urge the Consumer Financial Protection Bureau to investigate Credit Acceptance 's practices, specifically addressing the lack of transparency regarding third-party payments, contradictory information provided to customers, and discrepancies in account balances.

I appreciate your prompt attention to this matter and hope for a swift resolution.

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: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
We were transferred to Newrez, our taxes for this year is XXXX. They are supposed to base the payment based on Taxes and Insurance. During this process they are using the full accessed value without the exemptions in effort to inflation our payments. There is a surplus we are owed and we want it because it belongs to us. 

We received a call from Newrez XX/XX/2024, we were told that on XX/XX/2024 that we will be sent our surplus and our mortgage would be recalculated based on exemptions. 

This company has lied to us, and plays games when they are talking to us. This is nothing but fraud to keep money that does not belong to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I ordered a mattress, a bed, and a night table from Wayfair. The total purchase price was {$490.00}. The XXXX was delivered on XX/XX/XXXX, and the mattress and bed frame were delivered on XX/XX/XXXX. All three items were received damaged. The mattress was crushed in the corners ; the bed frame was scratched in multiple places, and the wood for the night table was cracked. I immediately contacted Wayfair via their chat function and reported these issues. I also submitted pictures of the damage via their chat portal. I was told someone would reach out to me. On XX/XX/XXXX, I received an email from Wayfair asking me to, again, upload pictures of the damage, which I did, again. See attached email. 
On XX/XX/XXXX, I again emailed them for a status. See attached email. 
On XX/XX/XXXX, I emailed them again for a status. See the attached email. 
On XX/XX/XXXX, I emailed them again for a status. See the attached email. 
After having no response from Wayfair, I reached out to them again in the chat portal. I submitted pictures of the damage in the portal, again. Again, I was told someone would contact me. Again, there has been no contact from Wayfair. I have reached out to Wayfair a total of SIX times, trying to resolve this matter. They have never responded to me, contacted me, or provided any information for me to return the damaged items. Their website did not give me an option to return the damaged merchandise, only to return items that I changed my mind about keeping, at my expense. 

I disputed the charge for the damaged merchandise with Citibank. Citibank closed my dispute and told me that I need a " credit slip '' from the merchant agreeing to a refund. What? It's damaged merchandise and the merchant has not responded to me, hence the dispute. 

I am not paying for damaged merchandise, nor should I be expected to. 
Under the Consumer Protection Act, I am entitled to a full refund for damaged or defective products. The merchant had 30 days to rectify this with me, and they have not. The Fair Credit Billing Act protects consumers on credit card purchases. I have followed every step necessary under the Act, and the charge needs to be removed from my 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 monetary relief
Consumer complaint received 2024-01-18
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX XXXXXXXX acquired Bank of the West, who was the originator of the loan for my XXXX 

In XXXX, I received a letter from the BMO collections department threatening action for delinquent payments. 

On the XXXX of XXXXXXXX XXXX I spent all morning talking to various BMO representatives and explained to them that I had never missed a payment on this loan, and in fact had always deliberately overpaid each month, so in fact I was overpaid. 

I also explained to them that their app shows that I am current and my next payment was not due for another month. 

Details : XXXX, began chat with XXXX, then was transfered to XXXX, who promised that her manager XXXX, would contact me. I was placed on a long hold, and then was told XXXX was having technical issues and would have to get back to me later. ( To this date, XXXX has never contacted me, nor anyone else from BMO ) I explained to XXXX that BMO has obviously lost payments during their acquisition of Bank Of The West, and she acknowledged that yes, many customers are having this problem. 

BMO opened a payment investigation ticket # XXXX, to resolve this error. 

I then asked to be transferred to IT support to report the bug in their app that is showing that I was not delinquent, and my payment was not due for another month. 

Ar XXXX, I was connected to XXXX, then transferred to XXXX who opened support ticket # XXXX to research the bug. 

During my first phone call, I emphasized to XXXX that BMO would face consequences if they impacted my credit report, and she literally said not to worry about that, that will not happen. 

Anyway on XXXXXXXX  BMO did file a negative report with the credit unions, and I am writing to understand my options. 

Afraid that this would happen, I had deliberately paid the payments BMO reported delinquent, and will prove to the bank at the end of the loan that fact. 

Now, 2 months later, I have not had any communication from BMO regarding this issue.

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 2024-01-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I noticed a transaction on my account that I did not make in the amount of {$380.00} from a XXXX XXXX in XXXX, Oklahoma. On XX/XX/2023. I live in XXXX, NC. I teported to my bank USAA Savings bank and the determine it was not fraud. I had them re-investigate and came back again and stated they determined it was not fraud.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-25
Company: REGIONS FINANCIAL CORPORATION
State: UT
Product: Mortgage
Sub-product: Conventional home 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:
My mortgage is serviced by Regions Mortgage. I have paper delivery of documents. Regions will not let me see any of my mortgage statements including Tax documents or documents I previously had access to without canceling my paper statements. This is a relatively new change that I was not warned of or given an opportunity to opt out of. Even if I elect to forfeit paper documents I have to wait to see existing documents online. I feel like Regions Mortgage is holding me hostage. I am unable to file taxes without the information they will not let me see.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of america closed my checking and savings account without my written consent to do so, and without my permission, without having written expressed consent. I did not receive any notice before, doing or after they closed my accounts. when I extended my credit to open the accounts.

Bank of america have violated the truth in lending act, Regulation x, y and z.

They have violated 31 cfr 357, and the gramm-leach- bliley act ( 12 usc 1811 ), 15 usc 1681, 15 usc 1681c-2, 15 usc 1681e, and 15 usc 1 15 usc 6802a 1-3, 15 usc 6802 b a-c 15 usc 6801 they have reported the closing of all of my checking and savings accounts and now they are affecting me personal, financial and has cause me harm. These accounts have been open for over XXXX  years and who gave them permission to closed them? and also they where charging fees which are against the law, and they need to be held accoundable for all of the fraud and deceptive practices they are involved it.

they have violated my rights, and my privacy without my written expressed consent.

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 2024-01-18
Company: SYNCHRONY FINANCIAL
State: GA
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:
Dear SYNCHRONY BANK I've noticed you have been reporting my information to the 3rd party credit bureaus which are on my credit report XXXX I never gave you Consent to do so which is in violation. 
15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 


15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2024-01-23
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX I received a phone call from their I listen to a person for XXXX and a half hours and a new dept relief program. He stated his name was XXXX and I previously spoke with him before where I paid XXXX to get balance transfer cards and credit accounts transferred to new XXXX  interst cards. He stated that it was a company called consumer credit group. All went well Later in XX/XX/ he called again stating that he was now in a different department promoting a new program DRP or debt relief program. I listened and after XXXX XXXX I was again convinced to participate. I was asked to pay XXXX to eliminate XXXX or more in credit card debt. He charged me but after that I was told to wait XXXX XXXX and on XX/XX/XXXX he would call to start eliminating process as long as I was current on all payments. I have really trusted this because we had felt with this program was legitimate. Well I was very much lied to because this person stopped contacting me and I tried to contact only to get a in known number or an operator  service that is never answered by a operator but by the person I talked to to begin with.the numbers I have are consumer credit group XXXX. XXXX XXXX XXXX. XXXX. XXXX DRP. And XXXX. XXXX gave to me as a bew contact number. Now I filed XXXX disputes with XXXX different XXXX XXXX companies. XXXX XXXX XXXX, XXXX XXXX, and XXXX. Was of now XXXX  XXXX XXXX and XXXX one has started investigating and refunded to monies. XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX. But XXXX  XXXX budge I dont even feel that they have even conducted a proper investigation I sent a XXXX page hand written letter and after several calls about the dispute I was told they was scammed and they wont cover the XXXX transaction I have called again and again and XXXX  XXXX be crooked now I was lied to please help me. 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 monetary relief
Consumer complaint received 2024-02-01
Company: ALLY FINANCIAL 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:
XXXX provided a copy of my credit report to multiple companies without my authorization : XXXX XXXX on XX/XX/XXXX XXXXAlly Financial XX/XX/XXXX XXXX XXXX on XX/XX/XXXX As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

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 2024-01-23
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Was sent a card I didnt apply for on XX/XX/24. Called the XXXX  on the notice and they said they would open a case but were unclear as to whether the card has been activated or whether the account will be closed.

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