BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In the initial communication with Capital One they did not state it is was an attempt to collect a debt. Capital One Bank continues to send monthly statements that does not state it's an attempt to collect a debt. Pursuant 15 usc 1692e ( 11 ) a debt collector must state it's an attempt to collect a debt under the fair debt collection practices act and Capitol one does not state that. Capital One Bank has been very false and deceptive. This is in fact a violation of 15 usc 1692e ( 11 ). I can not pay on a positive balance. That's a violation and highly false and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The action was take, i called to inform them that i was turning in the car to prevent them from reporting the car repossessed. They informed me to turn it in ut then place it as a repo on my credit and it has has messed up my credit and affecting my job. Need your help, anothet dealership did this to me before and lost and they had to pay me back. Seeking your help with this.

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 2023-01-26
Company: Albert Corporation
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
They have a subscription service called Genius that charges XXXX dollars a month I never ever authorized this service and charge also, They were getting money from the account to put into a savings account that I never authorized They savings money I already request refund but the XXXX dollars refund for every month charged, they refused

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I applied for a personal loan in which the loan was paid off. Wells Fargo stated that I had not paid off the loan. Therefore the Institution put the payment in collections. I am sure I do owe the amount they are telling me I owe. Thank you

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 2023-03-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I already sent disputes to each bureau to have these items removed but they did not remove then, nor prove validation. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 2019-02-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We purchased a home in XX/XX/XXXX with the original loan being a 5/1 ARM, the mortgage company at the time was Washington Mutual ( WAMU ), which became JP. Morgan Chase after the financial meltdown. 
In XX/XX/XXXX we were provided a loan modification by our mortgage company ( JP Morgan Chase ) since we were 2-3 payments behind, however we were not in foreclosure or pre-foreclosure. 
After providing all the requested information and documentation we were sent some documentation to sign and return, which we did. Last spring I contacted the mortgage company regarding a possible refinance in order to eliminate the PMI on the mortgage payment, during the conversation I enquired about the length of our loan, the representative would/could not provide that information. We never went forward with the refinance, however I was still curious about the length of the loan and after looking at my online account I was able to see that the maturity date of XX/XX/XXXX. I've since received copies of the original loan modification agreement confirming that XX/XX/XXXX is the maturity date of our mortgage. 
This means that our 5/1 ARM was refinanced into a 40 year mortgage at 4.625 % after requesting a modification in order to lower the monthly payment, and catch up with 2-3 months pass due payments!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Alorica Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've been paying off a loan with ( SST ) Systems Services Tech Inc ( this company took over XXXX XXXX XXXX XX/XX/2019 ( had a temp hardship XX/XX/2019 i called the company and they gave me an extension for a month to get back on track which I did ( I had to pay some sort of re-adjustment fee to do this and I payed this fee i was back on track {$120.00} each month but then i started to get treating letters to pay the account in full all at once I called their customer service and they had no record of the adjusted fee i payed ( but then they found it when i asked to speak to a manger then they asked for a second fee because they said that my account needed to be brought back up to date because of the last information not bein in the system i paid another fee after two or three months of paying every month on time through my XXXX Bill Pay i started to receive threating phone call from this company several times a day my home phone and cell phone I finally called them and requested that phone calls stop or i would be filing a complaint against the company they requested a late fee I refused and told them that I will continue to pay my bill each month as I was doing through my bank until this loan was paid off Now I'm getting the demand payments in full letters each month and they have been reporting my account to all three credit bureaus and late and not paid this is not true and it's not fair times are very difficult but i pay all my bills every month through my bank this can be checked i did speak to someone at the company but they have just blown me off how could this company do this this is not justified at all so i looked into this company with the XXXX and found that i was not the only consumer that they have ripped off and treated unfair, who regulates these take over companies when another goes out of business ( XXXX was a company that help military families when they may be going through a little hardship, that's how i got involved with this, but now the takeover company SST is rea ; ; y taking advantage of this situation ( What can CFPB do to help? Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Mercari, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
hello I purchased XXXX XXXX from Mercari ( XXXX dollars ) but I have not received the item. It was supposed to deliver on XX/XX/2022 ( order placed XX/XX/2022 ). The tracking number provided by the seller said the item was delivered but I did not get the item ( today is XX/XX/2022 ). The seller is a newbie and he closed his account after received the payment. Post office did not recall that they deliver this item. Mercari has intention not to give me a refund. I used XXXX to pay for it. XXXX closed my case without permission. I used chase credit card via XXXX XXXXo pay for it. XXXX bank has no progress. 
I do not think it is fair for me to pay XXXX dollars for the item that has never arrived. 
Mercari is very irresponsible to the situation that happen to the customers. 
XXXX closed my case without my permission. I do not understand that at all. 
Please step in and help. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I attempted to close my business checking account with M & T Bank. I emailed the bank my request. Five days later, no one from M & T had bothered to answer my email so I sent the bank a second email stating that, as far as I was concerned, the account was closed. The bank charges a {$50.00} account closure fee, so I withdrew all but {$50.00} from the account. Finally, on XX/XX/XXXX, " XXXX '' replied to my email and informed me that in order to close the account I would have to either write a letter to or visit the branch where I opened the account. Obviously, the bank wants everyone to have to jump through as many hoops as possible in order to close their account, but what she told me was a blatant LIE I read every page of M & T 's Commercial Deposit Account Agreement after I opened the account, and this is what the agreement states regarding closing an account. It is Provision 25 ( d ) of the agreement : " Client must provide Notice to M & T to close an Account. '' That is ALL that it states. On XX/XX/XXXX I replied and notified XXXX that if my account wasn't closed by XXXX I would immediately file formal complaints with the XXXX XXXX Md. Office of Consumer Protection, the CFPB, Md. Attorney General XXXX XXXX XXXX, and the Federal Reserve Board. Early this afternoon, someone from M & T called me and told me that she would have to get permission from the manager at the branch in which I opened the account in order to close it. ANOTHER LIE. Nowhere in the Commercial Deposit Account Agreement does it state that an account can only be closed after receiving approval from a branch manager. I have no idea who manages the branch and have never spoken to him or her. Later today I saw that my account had been closed. I also saw that the bank charged me, and then waived, a {$20.00} " Final Analysis '' charge. I'm glad that it had been waived, because I have M & T 's XX/XX/XXXX Corporate and Institutional Deposit Account Fee Schedule, and nowhere on the schedule is a " Final Analysis Fee '' even listed. 
Even though my account was closed today, I'm still filing my complaints. At best, M & T is making it more difficult for customers to close their accounts than it should be, but I think it may also be egregiously breaking the law. Therefore, even though the OCC doesn't directly regulate M & T Bank, I'm going to send a copy of my complaint to the OCC as well. 
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 2019-11-20
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I received a payment due of XXXX I reached out to the lender and explained I can't afford that high of a payment. They then calculated a repayment and now they want XXXX. I can't afford that amount, and sustain my rent, house bills. I have contacted them 6 times regarding the payment they had me do a consolidation which I never received a call or anything from them, they never return calls, and I can't afford the payment they want me to pay. I have worked on and off for the past 4 years with my current job being the longest, months right now. I want to repay my loans but I can not afford the outlandish payment they want me to make monthly. Help me please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
This complaint is against Coinbase. I have a account with Coinbase which requires authentication via phone ( 2 Factor Authentication ) to sign-in to my account. Unfortunately, I had to return the phone that I had been using to authenticate and sign-in to my Coinbase account. Therefore, I was unable to log-in. Following is the list of event that happened as I tried to get access to my account : XX/XX/XXXX : Unable to log-in to Coinbase due to 2 Factor Authentication issueXX/XX/XXXX : I submitted a ticket requesting for help XX/XX/XXXX: Someone from customer service got back to me. Coinbase asked me to open a new account, so that they could verify my identity.XX/XX/XXXX : I responded back to Coinbase letting them know that my new account had been created.

XX/XX/XXXX : Someone from Customer Service responded back letting me know that my ID had been verified and they were working with a technician to proceed with the transfer.

XX/XX/XXXX : No transfer had been made so, I emailed back customer support to check on status of balance. No response yet.

It has been close to 1 month to get my issue resolved, so I have not other option than to raise a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive sent multiple cease and desist letters to XXXX XXXX already with no response. This is what is in the letter and what you need to send to them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia [ XXXX ] XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX account number ending in : XXXX NOTICE : CEASE AND DESIST Pursuant to 15 USC 1692e ( c ) ATTN : To whom it may concern, I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by XXXX XXXX XXXX ( " Debt Collector ' ), in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. 

Pursuant to 15 USC 1692e ( c ) and 15 USC 1692g ( b ), I dispute the alleged debt and am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred. 
Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking specified remedy as the original Creditor, and demand the following : *Send an Audit Trail pursuant to 15 USC 552a ( d ) including all documents, including but not limited to, signed credit applications, assignments, purchase of debt, ledger of the account, and anything else relating to the Consumer for review and validation XXXX out the balance and delete all accounts held by Debt Collector from all consumer reporting agencies ; *Remove all remarks or comments off all consumer reports ; and Cease communication and use of my intellectual property, unless it pertaining to the validation of the alleged debt or remedy for violations that occurred. Any further Communication with the Consumer must be in writing. Delivered via mail to the mailing location above. 

Again, this is a notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Failure to honor the demands and provide the required documentation for proper validation of the alleged debt within 14 days of receipt of this notice, shall : a ) be taken as tacit agreement to the claims set forth, b ) grant the Consumer all demanded remedies, and c ) may result in litigation. 

( Janetos v. Fulton Friedman & Gullace , LLP. 825 F3d 317, 325-26 ( 7th Cir : 2016 ) *assignees who are " debt collectors '' are responsible for the actions of those collecting on their behalf '' ; citing Pollice, 225 F.3d at 404-05. ) Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: CA
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX Balance : {$7800.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ; XX/XX/1969 ; XXXX XXXX XXXX XXXXXXXX Balance : {$7900.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I DID NOT APPLY FOR A STORE CREDIT CARD WITH XXXX XXXX/XXXX XXXX. THIS IS FRAUD AND I WILL SUE EXPERIAN IF THIS IS NOT REMOVED!! XXXX HAS ALREADY IDENTIFIED THIS AS FRAUDULENT ACTIVITY AND REMOVED THE HARD PULL FROM MY CREDIT REPORT, WHY HASNT EXPERIAN??!?!?

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 2022-08-10
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was trying to sell my desk on XXXX XXXX. This guy says he's interested and also asks for other household items I don't want that he could purchase from me. He ended up wanting a bluetooth speaker I had and we agreed on him to pay me {$170.00} for the desk and the speaker. He said that movers were going to pick the stuff up from my place, and he sent me a check that I would use mobile deposit through KeyBank for. He sent me {$990.00} - {$170.00} of which was for me, {$820.00} was meant for me to pay to the movers. I would XXXX a XXXX XXXX through my KeyBank app once the check cleared and the money was in my account. I completed this payment of XXXX over XXXX days, on XXXX {$500.00} ( because that was the limit which I could XXXX in XXXX day ), and {$320.00} on XX/XX/10. My account is currently - {$310.00} in available balance and the check, though it initially was cleared, was being returned to me. I spoke with the bank via chat and subsequently over the phone, and the XXXX support team advised I go to the authorities with this information ( as they told me I can not receive fraud forgiveness or a refund from XXXX ). Please advise on what I can do to help this! I hope you have a good day, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have had multiple loans with XXXX in which I have paid multiple loans off in full. I will attach all paid off letters directly from XXXX  validating this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I got behind on all payments and all of my accounts indicated that if you had XXXX  they offered various types of relief. I wasnt able to get any relief but as soon as I returned to work I paid off account after account and now my remaining two accounts are current, one was sent to collection as charged off which will be paid next week also in full. I filed a dispute with XXXX to update the account on my credit to paid as agreed and it was denied. I tried contacting XXXX, they wont respond. I want the paid off loans updated on all my credit reports. This is impacting my credit score greatly affecting my ability to access credit or buy a home as I am trying to do currently.

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