BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-11
Company: ERC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have advised all debtors that I was unemployed for 7 months in XXXX. Started a new job XX/XX/XXXX with decrease in annual salary for two years and was recently terminated in XX/XX/XXXX. I notified all current debtors and attempted to work out some alternative regarding making payments in which a couple agreed others wanted me to pay debt in full regardless. I just started a new job two weeks ago. I have no idea of who Enhanced Recovery or ERC is I am only aware of the name by the caller ID on my phone. I receive several phone calls daily by ERC or Enhanced Recovery every day Monday to Saturday they call multiple times per day from different numbers and states but leave one voicemail threatening to complete wage garnishment papers under my name and social security number and place a lien on my checking account if I dont contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
As of XX/XX/2021, XXXXLOANCARE LLC has not fully resolved my prior complaint with the CFPB. The company still has my principal and interest payment at {$2200.00}. This is incorrect. In the loan modification correspondence ( see attached ) dated XXXX, XXXXXXXX XXXX, LOANCARE , LLC. stipulated that my principal and interest payment would be {$1900.00} effective XX/XX/2021. The first payment was due on XX/XX/2021. They fixed the escrow piece that was incorrectly processed by their escrow department and lowered my escrow payment to {$950.00} via the escrow analysis dated XX/XX/2021. However, the escrow department failed to have the updated principal and interest amount in the new escrow analysis that was stipulated in the loan modification documents. The escrow analysis ( see attached ) stated my total mortgage payment is {$3100.00}. This is incorrect. The totally mortgage payment should be {$2800.00} based on the modified principal and interest, plus the new escrow amount. LOANCAREXXXXXXXX XXXX  XXXX should be shut down. Their handling of loans as a servicing company is unprofessional. I wish to be transferred to another company that will handle my mortgage payments with accuracy and care. This has been an awful experience, and I should not have to contact the CFPB to actually get things resolved.

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 2021-10-11
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Vehicle leased through GM Financial, 48 month lease matured on XX/XX/2021. The lease was paid in full in XX/XX/2021. Vehicle was traded into XXXX XXXX XXXX on XX/XX/2021. Sitting in the dealership I called GM Financial to obtain the payout and the transaction was finalized. 
When the check for the buyout was sent to GM Financial they refused it and kept returning it XXXX XXXX XXXX XXXX XXXX XXXX This was between GM Financial and XXXX XXXX having noting to do with me, my account to GM Financial was paid in full and closed. 
GM Financial took 3 months to finalize the paperwork with XXXX XXXX and in the meantime kept " extending '' the original lease. This was not requested, authorized or even necessary as I had already purchased another vehicle and the old vehicle was accepted as a trade in and payout provided. GM Financial extended the Lease by 3 months and each month kept reporting the payment as past due. reported past due. 
I tried on multiple occasions to have this corrected and GM finical instated that the past due amount was correct it is not. GM Financial has since processed the paperwork and finalized the buyout, I have received notification of same yet they are still refusing to remove the late payments from my credit history.

This has had a significantly impact on my credit scope, it has reduced my score by 97 points, which has in turn put a bad mark on my credit worthiness and creditors have decreased my credit limit reducing my score even more. I want these late payments removed from my history, as it is false information reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I was contacted by a Wells Fargo employe, XXXX XXXX, who stated " I believe we may have a solution for you. '' I received paperwork from wells Fargo stating I would be eligible to utilize the VA disaster fund IF I paid {$7200.00}. The messagw left on my voice mail, that I still have, does not state of this is a guaranteed solution to my issue. Furthermore when I paid the mortgage in XXXX, I was under the 18 month window and actively working to utilize the VA disaster relief fund. Now that it's over the 18 month window Wells Fargo is offering me the VA disaster fund IF I pay the missed payments after the 18 month window. I feel as if I'll pay the {$7200.00} and be told by wells Fargo I am not eligible. Wells Fargo had ample time to provide me with a program of my choosing well before the window ended. Wells Fargo continued with practices that I did not feel comfortable with and on the advice of council refused to accept. 

I feel as if WELLS Fargo is continuing the practices that got them in trouble with the courts over the last ten years. Wells Fargo had been fined twice now in the last ten years for fraudulent practices and taking advantage of it's customers. It seems as if they are not stopping these practices.

I would like all missed payments added to the end of the loan, the APR to not change and the monthly payments to not change. 

Again I was able to pay XXXX, XXXX and XXXX mortgage payments but in XXXX I was told I wasn't allowed to make a payment. 

Everytime I reach out to wells Fargo I get a different person. Last time I spoke to an employee they told me they are in the executive office and the reason I was allowed to utilize the VA distater fund was because, and I quote, " it's a waterfall effect. '' I asked the woman if " waterfall effect '' was a legal term and she immediately changed the subject. 

Wells Fargo is continuing this practices if taking advantage of it's customers.

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 2023-10-04
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Payed {$3200.00} to a Synchrony Bank credit card. Payment initiated on XXXX and received by Synchrony on XX/XX/2023. It is a typical pattern for me to pay the full balance of the card regularly. Synchrony bank has has the money in their possession for six days since XX/XX/XXXX, as it was a direct transfer ( not a paper check or other such thing ). As of XX/XX/2023, the payment is still not credited to my account. On XX/XX/XXXX, initiated another payment for approx {$800.00}. Again, a direct wire transfer, and fitting my usual pattern of paying the account in full. When checking the account online, I noticed it the {$800.00} payment was ALSO not reflected. I telephoned Synchrony bank. They told me the {$3200.00} was " on hold '' until XX/XX/XXXX ; and that the {$800.00} XXXX was " on hold '' until XX/XX/XXXX ( for XXXX more days??? ). They said it was to " ensure verification of the payments since I USUALLY only make individual payments in the $ XXXX {$1500.00} range. '' What I USUALLY do is pay the account balance in full regularly, regardless of the amount. They HAVE RECEIVED THE FUNDS AND ARE HOLDING THEM IN THEIR BANK, but will not credit my account. I am a good customer- use the card regularly, and pay it off regularly. Have never spent over the credit limit, have never had a late payment, have never missed a payment, have never submitted a payment that was rejected for insufficient funds. There are no grounds for Synchrony to hold these funds to " verify '' them for 10 days .... nothing on my account, nor within my history with the company warrants it -- unless this is some dirty dealings to accrue some extra interest (? ) Is this a common practice to extort funds from customers who aren't in the habit of carrying a balance? Unwarranted and unethical.

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 2021-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
ACCOUNT # XXXX I received my Capital 1 's Auto statement on XX/XX/XXXX reflecting my XXXX bill is due on XXXX in the amount of {$520.00}. I paid {$600.00} on XXXX. I have always paid the bill shortly after receiving the statement ; however this time 2 my bill still showed balance due two weeks later. I called and spoke to a representative at the end of XXXX and he stated the payment had been applied to my principle and not as a payment and that he would correct this. 

On XX/XX/XXXX I received a notification that my account was past due. When I called the I spoke to a representative by the name of XXXX, she stated that my payment was still being applied as a payment to my principle instead of my bill and that she would submit a request allocated to separate the payment correctly ; however there still has not been any change. I am still showing past due now with a balance of {$1100.00}. I have already paid this bill and currently am being penalized for their " systems ineptitude ''. They have ignored my request for 2 weeks and this will affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JEFFERSON CAPITAL SYST XXXX XXXX XXXX XXXX XXXX, XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$1100.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate Account Number : 9871 under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX I didn't provide permission for this account to be reporting to my credit report please remove or i will seek legal compensation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to 3 Credit bureau the date of the last letter was on XX/XX/2023. And now we are in the month of XX/XX/2023 and still nothing from them. That means 3 credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, XXXX XXXX, ( Original Creditor : XXXX XXXX ) XXXX and ( Original Creditor : 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 2021-10-11
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid 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 dumpster from XXXX XXXX to be delivered XX/XX/XXXX. When the dumpster didn't arrive, I called XX/XX/XXXX to cancel the order. On XX/XX/XXXX a dumpster arrived at my home. I realized I had given the company my Citi card number,, so I called Citi Card immediately and discovered XXXX had charged my account {$620.00} on XX/XX/XXXX even though they had quoted a charge of {$450.00}. I asked Citi card to dispute the charge. 

The dumpster was blocking the door to my barn and part of my garage. I called XXXX to have it removed. When they didn't remove it, I was very frustrated so I called Citi Card a second time to reiterate that they should not pay XXXX XXXX. 

It wasn't until I got my Citi Card statement that I discovered instead of continuing the dispute Citi card had canceled it and paid XXXX dumpster {$620.00}. Citi XXXX said that once a dispute has been canceled it can not be reopened. 

I contacted the XXXX XXXX XXXX and made numerous calls to XXXX. Finally they said they would refund my money. They sent {$450.00}, not {$620.00}, to Citi Card. I have tried to contact them numerous times but they do not answer my calls or respond, so I am still missing {$160.00}. 

I feel Citi Card is responsible for this problem. I can not understand why they canceled the dispute. I can only guess that their employee was not proficient in XXXX and didn't understand me when I called to tell them to not pay 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 2021-10-11
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I attempted to fund my coinbase account with my XXXX brokerage account. By XX/XX/2021 I was informed that the {$1000.00} was backed out. At this point I attempted to correct the deficit by funding with my bank account then my debit card of which both were frozen. I reached out to the customer support and they responded with a variation of pay your debt or we will have to pay it by liquidating other assets in your account. Now that my account is still frozen I am unable to fund the account and they still plan to charge me for their service charge. I believe in this situation if their company knew that accepting XXXX from XXXX was not a viable provider then they should take a service charge. They did roughly {$20.00}. It is a small sum, but amplified over how many transactions they convert daily applied to even a minimal error and you can imagine the compound effect could be absolutely massive. I want refund and I want them to correct this for future clients of theirs if they continue to conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
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:
Last month, I chatted Bank of America about my XXXX XXXX Mastercard through the bank 's website. For context, when I opened the card application said that if I did not put in an XXXX XXXX Rewards number, Bank of America would automatically create a new rewards account for me. But lo and behold, Bank of America had mistakenly issued my XXXX XXXX Mastercard to an XXXX Guest Rewards number that was not even registered to my name! XXXX informed me that since this was a Bank of America error, they needed to be the ones to correct the misassigned number. So that's why I initiated a chat. The chat representative assured me that the bank would correct this problem by : ( 1 ) Ensuring that all points awarded to date would be credited to a new account I had just created. 
( 2 ) Ensuring that the companion and upgrade coupons would be added to the new account. 
( 3 ) Ensuring that the single-visit lounge pass would be sent to me via mail ( I had not yet received this pass ). 

Bank of America has completed item 2. However, item 1 is still incomplete, and item 3 has not been resolved. Thus, I am still out all my points from the XX/XX/2021 statement, as well as my single-visit lounge pass. This is disappointing as the original problem was caused 100 % by the bank. I should not have to wait multiple months for the bank to fix its own error.

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 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am writing to dispute an account XXXX XXXX fraudulently opened in my name. I am a victim of identity theft. Please provide proof of claim with evidence that you have legal and lawful authority to collect? 1. Validation of the debt ( the actual accounting ) 2. Verification of claim ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). I will also file a complaint with the CFPB. I will further pursue all of my legal remedy without further notice to XXXX. I have attempted to resolve this matter formally before filing a complaint and lawsuit! 
Please provide three things : 1. Validation of the debt ( the actual accounting ), and 2. Verification of claim against me ( a sworn affidavit or signed invoice! ), and 3. A copy of the contract binding both parties. 
I would be happy to pay any financial obligation I might lawfully owe as soon as these three documents are received. 

Please provide proof of claim with evidence that you have legal and lawful authority to collect? FCRA 611 ( a ) [ 15 USC 1681i ( a ) ] and Section 609 ( a ) ( 1 ) ( A ). XXXX  is attempting to collect a debt on the basis of fraud. Failure to substantiate the claim, Delete accounts immediately.

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 2023-11-18
Company: EQUIFAX, INC.
State: CA
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 I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief