BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
During Covid I as like many could not make my car payment, I always talked to Santanders, they deferred my payments and put they to the back of my loan. In XXXX XXXXA drunk driver totaled my car. my gap insurance said had i made these payments .there would be no need for them to cover my car because my insurance company paid Santanders XXXX on XX/XX/XXXX XXXX let the balance of XXXX .But this balance is due to Covid. They said I have to pay that .my Car is totaled .I should not have to pay them this, because 1. My car is totaled,2. because it was Covid a national pandemic. Had that never happed. I would be getting money back. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: M&T BANK CORPORATION
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  on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -M & T Bank  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX As XXXXch , 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 2024-01-30
Company: STANDARD MORTGAGE CORPORATION
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/2023 I paid my XXXX mortgage payment. Standard mortgage incorrectly applied those funds to my escrow account. I reported the error. The company refused to fix the error. XXXX XXXX XXXX, was very disrespectful and racially discriminatory during our meeting ( which I recorded ). On XX/XX/2023 I made an additional payments that exceeded both XXXX and XXXX mortgage payments. I have reached out to the company 2 times to get a clear explanation of how funds have been applied and requested corrections. I was told several times I will receive a call from XXXX ( VP of customer relations ) and XXXX ( collections manager ) neither has called but a late payment had been reported to my credit report. XXXX refused to give me a business card, NMLS  number or identify himself in any way other than to say hes the boss.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27
Company: CITIBANK, N.A.
State: SD
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I contacted Citibank on XX/XX/XXXXXXXX  regarding my Best Buy credit card that had been closed without my permission. I was also not given warning in order to avoid the closure, notification after the closure, or any communication in-between. I only found out that the account was closed because I happened to log into my account online and saw a tiny little alert near the top of the screen saying " Your My Best Buy Credit Card account has been closed. '' I then called Citibank customer service and they told me the account was closed due to inactivity. Had the aforementioned notice been given, I would've ensured activity occurred on the card in order to avoid closure. The representative also mentioned that there was no way to reopen the account ( false statement ) and that I would need to apply for a new credit card, which, of course, would cause a hard hit to my credit report. I work for a financial institution and am fully aware that reactivations procedures exist, but they were not going to assist with the issue. The Citi Executive Response Team responded via email on XX/XX/XXXXXXXX claiming that they sent alerts via email on XX/XX/XXXXXXXX XXXX XXXX advising the account must be used on or before XX/XX/XXXX in order to keep the account open. Those emails were NOT sent to me and, as I stated to the customer service representative previously, I would have generated activity on the credit card had I been given any notice whatsoever. I then received a phone call from XXXX XXXX XXXX  who told me that she would not be reactivating the account because it's in the card terms that a bank can close an account without notice. She also stated that although it's not required in the card terms, that Citi does, in fact, warn all customers of upcoming closures. Because I was not warned, there is a disparate treatment and discrimination issue that is violating fair lending laws. Citibank employees have also been researching my XXXX and other social media from their personal accounts throughout the investigation of this case, which violates the Privacy Act and creates issues of prejudice in my relationship with the company. Following the phone call with XXXX, I received another email on XX/XX/XXXXXXXX  with repeated false information that emails were sent to me but they are extending accusations towards me that it's my fault that I did not see them. I read every single email I receive religiously, including junk mail. I have a very reliable email provider. Their refusal to reactivate the account after violating my privacy and banking rules & regulations has driven me to submit both an OCC and CFPB complaint in hopes of getting this 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 2024-01-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
where and what account # it was refunded, i also would like to clarify that this trasaction was ( PAID using CASH that is why there is no record of purchased, But merchant Did a MANUAL refund on ( XX/XX/XXXX, XXXX ) time XXXX employee 's Name that initiated th refund was ( XXXX on the debit ( XXXX ) ACCt ( XXXX ) Refund Authorization # XXXX additional proof below will be attached i also have the email From BMO bank in XXXX XXXX XXXX XXXX  XXXX XXXX proof that he had work with the back office to check on this matter, and confirmed that there is a refund but it was iniated as pending refunding ( All additional proof below will be attached, kindly pls check, hope you can assist me with this matter, as this bank take 's months to resolved issue, it is only now that i got CFPB involved that they are quick to response.

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 2024-01-28
Company: Avant Holding Company, Inc.
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:
In Accordnace with the fair credit reporting actXXXXXXXX account # XXXX, has violared my rights. 

15 USC 1681 section 602 states I have th eright to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency car furnish a account without my written instructions.

15 USC 1666B : A creditor may n treat a payment on a credit card account under an open end consumer credit plan account as late for card 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 2023-12-07
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to formally address a persistent issue following the closure and payment in full of my American Express Gold card in XXXX XXXX Despite the closure of the account, I have been continuously receiving unwarranted calls and encountering erroneous charges purportedly associated with usage fees on a card that was formally canceled and closed. 

I have diligently engaged in multiple discussions with representatives, all of whom assured me that the erroneous charges would be rectified and confirmed the closure of the aforementioned card. Regrettably, these efforts have not led to the cessation of these unwarranted communications and charges. 

This situation has become increasingly burdensome and has caused significant inconvenience. I am compelled to express my deep dissatisfaction with the ongoing nature of these issues, despite my repeated attempts to resolve them. 

I kindly request an immediate and definitive resolution to this matter. Additionally, I seek assurance that no further charges will be levied on an account that has been officially closed and settled. 

Please treat this matter with urgency and provide me with a comprehensive resolution within a reasonable timeframe. I appreciate your prompt attention and cooperation in addressing this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-29
Company: SYNCHRONY FINANCIAL
State: KY
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:
WROTE letter to opt out ( jcp credit card services ) from sharing my personal info, and i did not give consent to any inquires that's being reported to my credit report! 
also i called all THREE credit bureaus and they refused to remove inquires ( AN PROMO INQUIRES ) which is a violation XXXX $ each promo i never gave no one consent to peek into my report that's illegal ' and violation of the privacy act of 1974 and violation of 15 usc 1681b 1000 $ violation each and i would like to collect. FOR EVERYONE WHO WAS Involved in this fraud

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 2024-02-07
Company: I.C. System, Inc.
State: OR
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
We moved and set up XXXX internet / cable at our new house. No issues or complaints/ collections came from charter. 

My credit just dropped. When I looked into it IC system had dinged my credit. 
They never reached out to me. I had no idea who they were or what charge was for. 
I called them, they explained XXXX XXXX wanted {$170.00} for unreturned equipment. This is very strange because XXXX. I returned equipment, XXXX. XXXX never requested money from me and I have a current account with them so they have all of my information it would be easy to reach me. 
This is what was listed for reason for credit ding " The collection agency is I C SYSTEM. The original creditor was XXXX XXXX COMMUNICATIONS. '' I paid the amount because I didn't want my credit to tank further ( down XXXX pointes over a {$170.00} charge ). We are in the process of applying for a construction loan so it is a huge deal for us we lost our rate. 

IC Systems confirmed on the phone that they had sent the bill to an address I no longer lived at and addressed bill to XXXX XXXX ( I have been legally XXXX XXXX - married name - since XXXX ). The charge in question happened in XX/XX/XXXX. 

We no longer qualified for the loan we needed. I paid the charge I am not sure I should have because I never heard from Charter. IC Systems never let me know that they were trying to collect from me. IC Systems said they would flag the transaction but my credit is still down XXXX points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with the Fair Credit Reporting act the following accounts listed below has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I ask that these fraudulent accounts be removed from my credit file immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
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:
Me and my wife ask Wells Fargo to investigate about fraud and discrimination, bias and prejudice. Been done to us by Well fargos bank employees. Every time my wife gift them the information not need to be investigated over the phone he switched up awards and do not put all the information and questions need to be addressed so me and my wife decided to put it in writing and send it to Well fargo buy priority, mail signature required they get it and said pages are missing. So we had to fax the pages that they lie and said its missing. The reason we withdraw case number XXXX is because every time we sent updated information to add to the case XXXX XXXX keeps on opening new cases we only have one case. She said to my wife XXXX every time I sent additional information for the case she have to open a new case she is the fifth person I am speaking about the case and everyone is Twisting our words over the phone and putting what they want. This new case have all the information and questions Wells Fargo need to answer.

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 2024-01-29
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
FREEDOM MORTGAGE LOAN AN ADDITION {$1600.00} DOLLARS IS BEING PULLED FROM MY CHECKING ACCOUNT LAST MONTH. This appears to be continuing each month as they are projecting I will need insurance in XXXX when my current policy becomes due. I will continue my current policy, but some how Freedon Mortgage has predicted on a letter from them dated XXXX that I should begin prepaying my escrow account based on their best ( unfounded Guess ). this will result in me being charged at the current rate of {$1600.00} X XXXX = {$19000.00} ALL with no found reason an expense I can not afford to wait to be refunded or resolved. Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certified letter to LVNV requesting proof of debt validation due to my unfamiliarity with the reported account. Simultaneously, I contacted the credit bureaus, who subsequently sent me a report indicating that they had verified the information. Upon receiving this report, I sent another letter to the credit bureaus, seeking clarification on the process they used to verify the account information. However, I have not received any response from LVNV or the credit bureaus regarding the requested information. Given the strict regulations of the Fair Credit Reporting Act aimed at ensuring maximum possible accuracy in reported information, I find it perplexing that the same information is still being reported without evidence of a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26
Company: MicroBilt / PRBC (formerly CL Verify)
State: TX
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 bring to your attention the serious infractions committed by MicroBilt regarding the accuracy and privacy of consumer information, as mandated by the Fair Credit Reporting Act ( FCRA ). This issue needs immediate attention and resolution to prevent further harm to consumers. 

Based on the information provided, it is evident that MicroBilt is not reporting accurate information, a violation of [ 15 USC 1681e ] ( b ). This statute requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of information pertaining to individuals in the reports they prepare. 

Furthermore, MicroBilt is in direct violation of [ 15 USC 1681b ] ( a ) ( 2 ) of the FCRA, which permits consumer reporting agencies to furnish consumer reports only in accordance with written instructions from the consumer whose information is being reported. I would like to emphasize that I have not granted authorization to anyone to access my private and confidential records, including the information that your agency is currently reporting. 

These transgressions directly infringe upon my rights as a consumer, particularly my right to privacy, as outlined in [ 15 USC 1681 ] ( a ) ( 4 ). It is crucial to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. 

To rectify the aforementioned violations, I humbly request that you take immediate action to delete the erroneous items specified in the attachment from my consumer file within your agency. Failure to comply with this request will leave me with no option but to pursue appropriate legal action. 

I want to draw your attention to the seriousness of these violations. Identity theft is a grave offense, and these actions can be classified as aggravated identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). Knowingly transferring, possessing, and utilizing someone's means of identification without lawful authority is a felony punishable by up to two years of imprisonment, in addition to civil liability.

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 2023-11-27
Company: Block, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
In XXXX of XXXX I started a XXXX XXXX. For my first event on XX/XX/XXXX I used the brand new square card reader to accept payments at a fall festival that I was XXXX XXXX  at. The machine worked fine and I had around {$200.00} worth of sales on the machine. A few days later on XX/XX/XXXX I tried using the machine to accept payment at another event I was booked for. The machine would not work and when I looked into the app it just kept telling me to register the machine. So I initially thought it was a hardware issue. On XX/XX/XXXX I called square customer support for the first time to try and resolve the problem. This is when I found out the account was deactivated by square due to alleged possible fraud transactions and I went against their terms and conditions. I asked which terms and conditions and was told they dont have any other info. On XX/XX/XXXX I received an email forwarded to me by one of the customer service reps. It stated that my funds were on hold and would be released no later than 2 business day after XX/XX/XXXX. That day came and the funds were not released. I contacted square again on XX/XX/XXXX this time I was told that the account was now back under review by the high risk team and that they could only be contacted via email. The customer reps on the could not provide any other information. I emailed the review team and was sent an email stating the following ; Please note that your referenced account is currently under review by our Account Services Team for high risk activity. Until your account has been cleared, funds will be held. Unfortunately, we do not have a specific release date that we can provided at this time.

After that I never heard back from square. I called back again sometime around XXXX or XXXX of XXXX and got the same story. I just called and emailed again on today XX/XX/XXXX and again no explanation on why the funds are not being released and I cant contact a human who can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27
Company: WELLS FARGO & COMPANY
State: OH
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 act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account on 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 explanation