BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-28
Company: National Collection Systems, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/2023, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. 

Despite achieving academic and social success, securing a XXXX  job, I find myself unable to advance any further. As one of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling XXXX XXXX XXXX with a full-time job has added the role of a full-time XXXX XXXX to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
Originally purchase home with Wells Fargo XX/XX/XXXX loan was interest only.i put $ XXXX as a down payment. I was a XXXX moving to a new area and was told I would be able to refinance the interest only loan once a job was established, even though I had been a XXXX for 7 years at the time. I was denied despite multiple attempts. I sent my monthly budget as requested for months. They constantly changed the terms of qualification resulting in a foreclosure XXXX XXXX XXXX My credit was destroyed for XXXX years and it was a huge hardship on me and my XXXX children. 
My phone number is XXXX, I am unable to edit the typo.

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: CITIBANK, N.A.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX I was charged {$360.00} from XXXX, which was unauthorized. I never have used XXXX. I contacted Citibank and they reversed the charge and said they would initiate a fraud investigation. 
XX/XX/XXXX they added the charge back onto my account and never informed me. I did not receive a XXXX statement. 
XX/XX/XXXX I then received a payment past due notice by email although I had never received XXXX of XXXX statements. Apparently they had me set up paperless which I did not request. I havent used this card for many months and so did not realize that statements were missing. 
XX/XX/XXXX I called and spoke to XXXX and she said that the XXXX had no proof of delivery and that someone with a different email ordered it on my card. She said they would remove it back from my account. 
XX/XX/XXXX It was not removed and interest and late fees were charged on XX/XX/XXXX. 
XX/XX/XXXX I called again, spoke to XXXX. He said it was being investigated and should be corrected shortly. 
XX/XX/XXXX I received an email stating that my account is past due 25 days. I know that if the account goes 30 days, it will be reported as a negative on the credit bureaus. I have a XXXX XXXX  and I do not want their incompetence to reduce my XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22
Company: CITIBANK, N.A.
State: OK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I called in XX/XX/XXXX to cancel my XXXX XXXX XXXX XXXX because i did not want to pay the {$99.00} annual fee. The person I talked to suggested an XXXX XXXX. I accepted the offer. Later, I found out the Executive had a {$590.00} fee AND she had not cancelled the Platinum Select. I never got a bill for the Executive and later found out I had a late charge. I paid the bill immediately.

When I called to close the Executive because I didn't want to pay the {$590.00} fee I had never been told about, the representative would not allow it, but wanted to downgrade both the cards. I told her I wasn't happy with that, so she put me on hold for XXXX minutes and then the line went dead.

It gets worse. After I paid the Executive bill, I realized I had
over paid by {$600.00} + dollars and Citi would not release my money because " the cards are cahnging over and it just can't happen now. '' XXXX I returned some shoes for {$120.00} on thea card on XX/XX/XXXX and it still hasnt shown up. So that's {$800.00} approximately of my money Citi is holding without interest.

From the beginning I was mislead and now cheated. Please help. 
By the way, I still had to pay the {$99.00} fee and spend about XXXX hours of my time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-08
Company: W&A Intermediate Co., LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I emailed Wakefield and associates on XX/XX/XXXX  to receive validation of the 5 debts that they have contacted me to pay. I used the reference number provided to me XXXX. They never sent a validation letter and proceeded to call me while I was at work. I then requested by phone to get debt validation and they said I would have to email. I have since mailed a physical letter to them to request validation. With nothing received to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03
Company: Velocity Portfolio Group
State: IL
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:
XXXX XXXX XXXX  didnt send me any notifications on disputing this information or given me an itemized list of purchases or payments and Im being told I owe more then the amount of credit given

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 2024-01-22
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
XX/XX/2017 I was XXXX XXXX XXXX and was going over motor vehicle purchase contract and found missing information of the vehicle identification number and the odometer. I told them to fix the issues and I would come back and sign the contract. They never called back the vehicle was released to me that day. 2 weeks later I went back and requested the contract and was told it was taken care of. I still to this day have never had a signed contract with Credit acceptance corporation. And by Wisconsin statute trans 139.05 the contract must show include year, make, model, identification number. They also then submitted false statements about repairs made to the vehicle that stated they made repairs but only paid for XXXX  dollars of a diagnostic fee from a towing company. And made claims that they made XXXX in repairs and their receipt shows that money was to cover transportation cost not repairs. They used intimidating statements throughout the process. The sheer number of violations including requesting a judgement and repossessing a vehicle without a valid contract as well as damaging that property. This shows excessive unfair sales and consumer violations. They also violated the dot requirements to submit for repossession title and notify the state of any handling of this contract. You will also not the only initial on the contract is arbitration clause and that they voided arbitration clause on filing a summary judgement.

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: U.S. BANCORP
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was traveling out of town due to the death of my father and was not able to handle the payment of my credit card and wanted my card to be current for I had this credit card for years and wanted to remain in good standing so my brother told me that due to our fathers death he would take care of my balance but unfortunately after the complete balance was paid off in full my account was closed due to authenticity and the credit card department told me I needed further authenticity to reopen it that if I showed I was on the account that paid off the balance they would reopen my account I never knew if my account was paid off in full my account would be dealt with in such a despicable manner but due to the death of my father I was unable to handle my affairs in a prompt manner so my brother willingly assisted me to correct the high balance I never knew it would create such a big problem infact when I logged on it showed as if it my account was still open but now its closed due to paying the entire balance off in full which is ridiculous so not only am I dealing with the death of my father I am being penalized for paying in full a credit card

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: WELLS FARGO & COMPANY
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
We have had a business account with Wells Fargo for 6 years. All of a sudden Wells Fargo sent us a letter saying that our account will be closed as of XX/XX/2024. The letter says the decision is final and nothing can be done. I called their customer service. They forwarded me to their Loss Prevention Department. I talked to XXXX ( Employee Number XXXX ). He confirmed the decision and said nothing can be done. I asked for a supervisor. He said I can not talk to a supervisor. We have never done anything suspicious.

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 2023-12-10
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, 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 a account without my written instructions.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
EXPERIAN, XXXX & XXXX I received a copy of my credit report and I have found the following items listed with XXXX to be in error. These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
I demand under FCRA : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes. 

Thank you for your help in this matter,

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 2023-12-07
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX. 

I'm writing to request that the following items be removed from my credit report. My current credit report has a list of the items I need removed. Ive unfortunately been a victim of identity theft and have a listed collections account from t-mobile which was passed onto a collection agency. There are also some errors on my report such as wrong addresses and names that I want removed as soon as possible. In order to improve my credit report, I request that the items be removed. I have copies of the Federal Trade Commission 's Identity Theft Affidavit included, as well as my allegation of identity theft to the FTC. Please remove the items as quickly as you can.

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 2024-01-30
Company: PRIORITY PLUS FINANCIAL LLC
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received a mailing from Priority Plus Financial for a personal loan. Upon initial conversations, XXXX XXXX ( XXXX ) XXXX, stated to me that he needed to send me to underwriting. He cold transferred me to XXXX. XXXX ran what I was told was a soft credit pull, to which I had to state verbally " Yes, I agree. '' When XXXX called me back the interest rates expressed as higher rates than are advertised on the Priority Plus FInancial, which the range maxes out at XXXX XXXX  XXXX had told me that I received the pre-approval due to pre-screening and there should be no reason that I should not expect the XXXX XXXX rate. 

XXXX then stated to me he was with Priority Plus Financial 's " sister company, '' XXXX. When I tried to explain that the marketing/advertising and using terms for another financial institution as a lead generation source bypassed regulatory systems and transparency, he said that the marketing materials I received were not relevant to his company because they did not market me directly. When I tried to explain that it is indirect marketing through using a secondary company to transfer leads to their company, the regulatory requirements still remain, XXXX asked, " Are you going to just talk over me or let me explain that we did not market you? '' I replied there was no reason to be rude and he said, " I just give the same energy I get. '' I had told him that I was frustrated being asked for specific and personal information when there was a severe lack of transparency between the XXXX financial institutions. 

XXXX told me he was transferring me to underwriting and did not ask my permission to be transferred to another financial institution, who told me the marketing I received does not pertain to them and they have different terms, which were not disclosed to me prior to transferring to " underwriting. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As a natural person and consumer of the United States. In accordance with 15 USC 1681 Dept of Education has violated my right by reporting inaccurate account number and Last reporting dates on my consumer report.

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 2024-02-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
I am a plaintiff in the Wells Fargo lawsuit over repossession and I have yet to receive my payment from the company. I was notified I was eligible but have yet to receive payment

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 2024-02-01
Company: CCS Financial Services, Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
i have no knowledge of these accounts and i never gave any permission for anyone to use my name for anything.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a USPS money order in the amount of {$440.00} at a Bank of America ATM in XXXX XXXX on XX/XX/year>. I received a notice after that it was subject to a Deposit Hold until XX/XX/year> at XXXX XXXX 

Reg CC is very clear that banks must make USPS money orders available the next business day for an in-person deposit or the second business day if deposited at an ATM owned by the bank. That's what I did, so it should have been available today, XX/XX/year>. None of the exceptions listed in the rules apply here. 

I called Bank of America 's customer service and they wouldn't release the hold, nor tell me why it was in place, other than " It's our policy to hold money orders and checks to verify funds. '' I told the supervisor to whom I asked to speak that the law requires cashier 's checks under certain circumstances and postal service money orders to be treated differently, and he said they don't. I was astonished that he'd admit to me that they break the law.

I finally asked to speak to the legal department, as I'm an XXXX, and they would not talk to me. 

Finally, as you can see in the attachments, the money order has cleared, so they have no basis for holding the deposit, as the possibility of collectibility isn't an issue here.

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 2024-02-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My RV loan was transferred from one company to another. I realized I was behind in payments because I was unable to pay my loan on the old companies website and reach them by phone. The new company claimed they sent information that I never received.By the time I received the new companies information I was behind several months and on the phone with the new company I set up payment up to date of past due balances. The new company BMO, gave me confirmation of payment via email and stated they would send me information on auto pay by mail as they dont provide set up over the phone. No information was received by mail, email, or phone. Two months past when I realized that no information was being received by mail or email when I called BMO they said my loan had been written off and is now in recovery. They said the previous payment never went through. I told them I was never informed of that by email phone or mail. I asked if I could make all past due on payments that my account would go back to normal they said yes I proceeded to pay them only to find out that my account is to remain in a wrote off/ collections state which negatively effects my credit for 7 years. Ive asked to speak with management several times and customer service refuses to transfer me or let me speak with management. If my account was to be charged off and if a payment didnt go through I would expect and email phone call or letter notification giving me the opportunity to make payment before such a serious impact on me and my family.

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