BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened up a BMO checking account on XX/XX/XXXX. I was interested in the {$600.00} checking account bonus they were offering. 

A few days later I received a notice that my initial funding was not able to be processed. I called BMO and they were not able to give me any information about this. A few weeks after that, I called BMO again and they told me they had closed the account. They were not able to provide a reason and they said I would receive a letter explaining the decision in 7-10 days. I never received this letter. 

I called them again today ( XX/XX/XXXX ), and they were able to tell me that the account was closed due to " high risk, '' but they were not able to explain what this means. 

I find it very unprofessional that I was never notified of the account closure until I called them myself to ask about it. It also seems very strange that the fraud department would close my account without talking to me. If fraud was a concern, they could have called me and verified my information. I believe they closed my account so I could not earn the {$600.00} bonus.

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 2023-11-30
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I spoke with one of your representatives, XXXX XXXX, on XX/XX/2023, in regarding a debt that appears on my credit report, which I do not recognize. 
During our conversation, XXXX XXXX was attentive and provided me with information about the alleged debt. However, after thorough review and consultation with my financial records, I still can not identify the origin of this debt. As a result, I am formally disputing the validity of the debt and kindly requesting that it be promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: JPMORGAN CHASE & CO.
State: OH
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 had lost my wallet in XXXX everything was in there my social my identification card medical card everything and XXXX or XXXX when banks just started to open outta nowhere and large amounts of money will be In the accounts then the accounts will go back to negative and I dont have no clue how they got there and its messing with me as a adult because I cant open a bank account please help me XXXX XXXX XXXX XXXX XXXX chase XXXX XXXX those are all the banks I seen that was opened up in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Credit Karma, LLC
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2023 I applied for the credit XXXX secured credit card solely because of the advertisement which states that I would receive a XXXX second decision- and that my credit would not be affected with a credit check throughout the process. I expected to receive a decision right away and instead I was told that it would take weeks to get a decision and that my credit report would taken- and as a result my credit score would be negatively impacted. The company blatantly advertised false information. ( Please see attachments ). In the pictures below you will see there is no asterisk next to the conditions or an indication to see notes below. Furthermore, even the smalll print fails to notify the customer that the statements made regarding decision time and credit checks are subject to conditions. In fact there is no mention of conditions in this advertisement and I have informed both credit one and credit karma of these false advertisement They are both responsible for advertisement false and misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my account for {$200.00}. Please remove this item from my credit report. I am an XXXX breach settlement victim ; my info was compromised. I do not have an alleged binding agreed contract with this company, Amsher Collection Services inc. I have requested a signed contract from Amsher Collection Service to validate a business relationship with alleged company. It has not been received and I do not want this collection to continue to negatively affect my credit report. This is not my account and please have this removed from any & all credit bureaus they have attached & posted this alleged credit debt in the amount of {$200.00}. I am a XXXX  and I have been notified my account was breached with XXXX and I have learned to check my credit to protect myself and saw this on the 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 2023-11-28
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After my Debit Card had been compromised and not realizing that it was linked to my XXXX XXXX XXXX which was for protection for my XXXX Phone sometime on or around XX/XX/2023 already a month past XXXX XXXX Sent me via email to update my payment information. Once I received my new card and remembering now that some 6 months ago I had the cell phone protection. I began trying over and over again to give XXXX the updated New Debit Card information ( No money was borrowed ) it never worked and I kept trying so after several attempts it worked. Thus, thinking all is good I began to receive Mailings from TD Bank not having any idea what this was for I finally called them and was told they got the money from XXXX for the protection of my phone. 

Then after several attempts tying to contact XXXX and I mean a lot, almost always, getting disconnected or the wrong department I started with TD BAnk and went thru several attempts to rectify the problem. So finally I got the Manager at TD bank who gave me her Initials of ( XXXX  ) and explained the entire thing she told me that if XXXX did this then TD Bank has no right to report me negatively to the Credit Bureau. Then she asked if I would stay on while she contacted XXXX. I said fine, but warned her we would get disconnected when she tried and we got disconnected and XXXX never called me back and I was never able to get her again. All of this for {$3.00} a month now I have negative items on my credit report and have no way to resolve it and TD bank keeps increasing the time and penalties after me thinking it was all good when I updated my Debit Card information with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: CITIBANK, N.A.
State: NY
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:
I am writing to dispute the validity of the debt referenced in a notice I recently received.

My understanding is that the name in your notice, written in all capital letters, does not represent me as an individual. Instead, it represents a separate legal entity of which I am the beneficiary. Consequently, I am requesting a comprehensive investigation into this matter.

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request debt validation. I kindly ask you to provide the following : 1. A copy of the original contract with my signature.

2. A detailed account of the debt you claim I owe.

3. Proof that you are licensed to collect debts in my state.

Please suspend all collection activities until this debt is validated. Also, as this account has been reported to credit reporting agencies, I ask you to remove it immediately due to its dubious nature.

If you do not provide these documents within 15 days of receiving this letter, I will expect the account to be removed from my credit report and no further attempts to collect this alleged debt.

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 2023-12-07
Company: Resurgent Capital Services L.P.
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XXXX i was applying for the XXXX in Alaska and there website glitched when i hit submit the page reloaded with someone else info from XXXX Alaska it showed me me their address date of birth ssn and bank info i got XXXX other calls saying my info pop up on there screen shortly after the pfd data breach accounts that i did not open started appearing on my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/XXXX i sent a dispute in regards to fraud that occurred on my consumer report to Experian. It has been over 30 days and i have not receieved any information about these inquiries that should be removed.

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: WELLS FARGO & COMPANY
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I lost my source of income in XXXX. I have XXXX bills and a roof to keep over my head. I am experiencing an hardship at this point. I have requested for WellsFargo to place a pause on my account temporarily until I regain employment. I was denied.

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: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My payment activity is incorrect due to their system outage from XXXX. After I made my monthly payment for the XX/XX/XXXX statement plus another payment for additional principal on XX/XX/XXXX, their system said at the time that my next payment due was XX/XX/XXXX. However due to their system outage, their system tried to take the autopay for the XX/XX/XXXX from my bank account anyway even though no payment was due, and there was not enough funds in my account causing the payment to be rejected. I also got charged a NSF fee from my bank as they should not have deducted that autopay for XX/XX/XXXX. 

Because their system was down, I couldn't check my balance and what was due, so I manually made a payment which ultimately should have been entirely applied to additional principal because I already prepaid for my XX/XX/XXXX balance on XX/XX/XXXX. My XX/XX/XXXX payment is still not credited to my account correctly. My XX/XX/XXXX payment should have applied to my XX/XX/XXXX due date, and my XX/XX/XXXX payment should have been applied entirely to additional principal but it is not. An entire payment is charged with interest even though no interest should have been due for XXXX of either the XX/XX/XXXX or XX/XX/XXXX payments as there were XXXX payments made for the XX/XX/XXXX statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
Loan from XXXX XXXX sold to Mr. Cooper ( nationstar mortgage ). Payment due tomorrow, still have not received any information about payment. Paid the monthly payment to XXXX XXXX to play it safe. It's an astounding degree of incompetence ; and you let this company assume mortgages?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Village Capital & Investment LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/XXXX I contacted Village Capital and Investment regarding excess funds from my escrow account from XXXX tax year that were never released nor applied to my escrow balance. I was told I would get a call back. I followed up several times on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Currently my escrow balance is showing a negative balance and I received a bill for this. I wait on hold for over an hour just to be told that the escrow department will call me back. At one point a representative claimed that a supervisor called me but I never received a call or voicemail. I have yet to hear back about the {$2000.00} that is not showing up on my account and has not been applied or used for any thing relating to my taxes and insurance. I have a copy of the escrow analysis and an email from Village Capital stating they would release the funds or apply to my escrow balance however, they did not do this. Village Capital also collected payments from my for 6 months without applying appropriate funds to my escrow account. They did not report my payments to the credit bureau and still have not reported my payments from XXXX. They charged me late fees on payments that I made and have given me no explanation nor the courtesy of a phone call or appropriate communication. This has caused me emotional distress and stress daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Dovenmuehle Mortgage, Inc.
State: CO
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:
Dovenmuehle is my mortgage service provider on my VA home loan. Each monthly statement claims that I am a month behind. I have never misses a payment. The company has sent me their record of my payment history which shows that I have never misses a payment. The company reports to the VA every month that I am current, and in good standing. Even though Dovenmuehl 's own records show all payments made, and according to their reporting to the VA I have never been delinquent, they are unable, or unwilling to resolve the clerical error. Dovenmuehl has caused me harm with their clerical error, because I was unable to take advantages of historical low refinance rates, while they were available. This harm continues as I am unable to utilize the equity in home, as no lenders will work with me while my statements show me as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Bridgecrest Acceptance Corporation
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In their attempts to collect a payment they are harassing me via my cell phone. Most recently, on XX/XX/2023, they called repeatedly while I was at work. They called at XXXX and left a voicemail. They called again minutes later at XXXX and they called again at XXXX. Back to back to back calls. It is causing mental/emotional distress to be receiving these calls like this. It feels very threatening and makes it so that I do not want to talk to them regarding my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
So last year XXXX XXXX ( owned by Bank of America ) locked my brokerage account with no notice for any reason. I have contacted customer service multiple times and the customer service assured me they would reach out to the team who handles then contact me with an update. All three times I have not received any followup communication nor any status regarding my account. Would like to resume using my account but no information on the reason for the limited access nor a solution on how to fix.

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 2023-11-28
Company: CITIBANK, N.A.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX Citi made the mistake of doing a hard inquiry on my account when they were only suppose to do a soft inquiry. I'd like to dispute this inquiry since they told me on the phone it would not be a hard inquiry. I have called to report this. Unfortunately I don't know if the customer service agent fully understood everything. She did say she would file it but she gave me no case number or any information on what would happen next. Hopefully you can kindly resolve this issue for me. It's on all 3 reports I'd like them removed. Thank you kindly

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: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX, I decided to change my utility bill from XXXX XXXX to XXXX because I had noticed that XXXX XXXX was a very predatory company that would overcharge me for my utility. Around the middle of XXXX, I made the switch and had a outstanding bill of {$600.00} in my account. I had to pay the bill or arrange a payment plan by XX/XX/2023. In XX/XX/2023 I contacted XXXX XXXX to arrange a payment plan and made a {$150.00} deposit and made 5 payments of {$91.00} due on the XXXX of each month and have made each payment on time. On my last payment, XXXX XXXX decided to sell my debt to a collections agency on the XXXX of XXXX when it was due on the XXXX and had made the payment in the XXXX. I had made every possible thing to avoid this. I contacted XXXX XXXX about my debt and made a payment plan with them before the last chance letter date, and had made every payment on time. The collections agency ( Credit Management ) said that they might report it to the credit bureaus despite me trying to solve this issue before they sold the debt, made every payment on time before the XXXX, and manage to make every payment on time. I recommend everyone to stay away from XXXX XXXX. ( Note : The last payment screenshot was made in my Mom 's checking account so I don't have the payment proof and they have my last name spelled wrong. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OR
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023, I received a notification on my XXXX credit monitoring account that a collections account was added to my credit report, I called the collections company, COLUMBIA DEBT RECOVERY LLC DBA GENESIS, they sent me an informational email on what to do and this is one of the steps that they need to verify my identity, and that this collections account is a result of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to send a notice of cease and desist on all communications. This is a notice to cease all communication both directly and indirectly on all mediums including credit reporting except that this company may only communicate with under the stipulations of responding to a cfpb complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Hello, this is in regard to a an unauthorized charge by XXXX on XX/XX/XXXX  to my Wells Fargo credit card. XXXX  is an app that pairs homeowners with extra space with people seeking vehicle storage. Ive used the app numerous times, and in this instance I booked a space that was advertised for {$100.00}. I completed the booking process, agreeing to a single charge of {$100.00}. I stored my RV in the space for a period of 5 days. Later, a duplicate charge showed up on my statement, which I disputed. I later found out the price I paid reflected a 50 % discount that required booking multiple months to maintain eligibility. 

Had the company indicated that I was ineligible for the discount at the time of the transaction, I would not have booked the rental, or if they had contacted me later and stated that the rental price would be double the agreed price, I would have changed my reservation. Instead they initiated a second, unauthorized charge to my credit card, a decision I disagree with. Likewise, strongly disagree with Wells Fargos insistence that I bear the burden of the unauthorized charge Attached are images showing the advertised pricing in the XXXX app. They make no mention of their intention to charge doubly if multiple months arent booked.

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: Experian Information Solutions Inc.
State: MO
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:
Experian has now notified me 3 times in 3 weeks they have updated my middle name, how pathetic

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