BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Loan was paid off on XX/XX/2018 at Wells Fargo XXXX Branch, Washington. 

Was informed that title will be mailed in 4-6 weeks. 

Contacted WellsFargo on XX/XX/2018. They again said that it will take additional 4-6 weeks and would not do anything to rush that process I feel struck in the situation, as DMV said they can rush the title if they want, since its the fault of processing on Wells Fargo part, they should rush the title to me so I can move with my life.

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 2021-10-08
Company: EQUIFAX, INC.
State: FL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I mailed a letter to TransUnion and XXXX  requesting my grand-daughters credit file be frozen due to identity theft My issue however, is with TransUnion. I went to their website to see what documentation needed to be submitted. I provided ALL required highly sensitive information including a copy of mine and my grand-daughters SSN 's and a letter restating everything ( which I copied and pasted from their website ) XX/XX/XXXX. This indicates to me either someone failed to review my highly sensitive documents or didn't understand them and tossed them to the side. Either way presents negligence on their part. I am attaching the letter I sent them, along with TransUnion 's and XXXX  's reply after I sent them both the same identical information.

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 2020-09-10
Company: 21ST MORTGAGE CORP.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We recently refinanced with an alternate mortgage lender as of XX/XX/2020. The previous mortgage holder is keeping our escrow for confusing and unanswered reasons. We have heard several different stories as to why they are keeping the balance of our escrow which Is in the amount of {$1400.00} at the time of closing settlement. We entrusted 21st mortgage to manage our account for mortgage insurance and taxes which our new provider has taken over and paid in advance. We believe the person managing our case has been dishonest the entire process. 21st mortgage can not be trusted to manage escrow accounts accurately. The escrow account is funds we pay beyond principle and interest to ensure insurance premium and taxes are paid. If no payments are due then the balance should be refunded to the owner of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, I ordered 9 pairs of XXXX XXXX 's XXXX  for {$56.00}. I never received my package. XXXX XXXX and XXXX claimed the package was delivered on XX/XX/2022 at XXXX. My house is the 2nd one on the left on a dead-end street ; any incoming/outgoing traffic all have to go pass my house. I reviewed my XXXX XXXX for that day, it shows XXXX truck drove past my house at XXXX into the subdivision and drove past again leaving the subdivision at XXXX. The truck driver never entered my long driveway. The package was not delivered at my house. The delivery photo showing on XXXX tracking is not my house. I provided photos of my front door and the XXXX print-outs clearly showing XXXX drove past my house and never entered my driveway to deliver the package. XXXX XXXX told me to file dispute. Bank of America denied my claim saying it was delivered. The problem is they delivered it to the wrong house.

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 2018-08-15
Company: MB FINANCIAL, INC.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I closed on our home in XX/XX/2017 with MB Financial via XXXX XXXX. My original mortgage payment, including taxes and insurance was approx {$750.00} ( {$510.00} for principle and interest and {$240.00} for escrow ). I've just received an ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT ( attached ) that changes my payment to {$940.00} reflecting the original principle amount of {$510.00}, a slight increase in taxes and insurance amounting to {$260.00} and {$160.00} of escrow shortage. I'm told that that {$160.00} * 12 months reflects a shortage of {$1900.00} in my escrow account as escrow is paid in arrears. What I was not informed of is that there is a minimum dollar amount to be kept in escrow. It's my understanding that the bank not collecting enough monies at closing is the problem, a problem that I certainly shouldn't be responsible for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-29
Company: North State Acceptance, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Opened XX/XX/2019 in the amount of XXXX I disputed with the company, this account wasnt open by me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: NJ
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 sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it againXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-03-08
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Its been very difficult to apply for the income driven repayment plan with Navient. They can only get my payments to {$180.00} a month, which I can not afford. They tell me that is the lowest they can get them. Therefore, I have been having to file deferments due to economic hardship. 

I also have been seeing this Navient Lawsuit of 2017 and am wondering if I am a part of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are numerous accounts and inquiries listed on my credit report that I have NO knowledge of and did NOT authorize. This was a result of malpractice or an error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On today, XX/XX/2023 I was trying to XXXX money from my Ally bank to my XXXX account so that would be able to pay a bill. The XXXX did not go through and a message was received to call the bank. I called and found out that my XXXX was restricted and I was transferred to loss prevention. They asked me questions regarding my cell provided which I didn't find relevant to me accessing XXXX. After multiple conversations with different incompetent individuals I finally got a person who I thought would be of help. Wrong, this person not only didn't help me with the XXXX restriction but by the time I was finished with the call she ( XXXX XXXX had restricted my entire account. I asked her why I couldn't long on to my online banking and she told me that I would receive a email requesting documentation verifying my identity. I am not sure what XXXX, which is not a product of Ally but a tool used to transfer money has to do with my account. I am also confused how I go from questions about XXXX to not being able to access my account or my money.

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 2020-07-10
Company: EQUIFAX, INC.
State: AZ
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:
I have made several attempts with Equifax to accurately report my XXXX  XXXX. of XXXX XXXX. I am in the process of purchasing a home and it is of the utmost importance that my credit report is accurate. I have found it to be very difficult to get my account investigated and updated on my Equifax credit report. The latest attempts occurred on XX/XX/2020. I requested to have my balance and payment history updated as my account was showing a balance of {$4900.00}. The actual balance of my account as of XX/XX/2020 was {$0.00} when Equifax notified me the account was verified. I have included an attachment of my payment history which shows this account had a {$0.00} balance. 

I notified Equifax again via Certified Letter on XX/XX/2020 that my account is reporting inaccurate information and I wanted to give them a second opportunity to correct it before filing a complaint. On XX/XX/2020, the balance has been finally corrected. However, the account is still reporting the following information inaccurately : - Payment History - Last Payment Date - Date of Last Activity - Highest Balance - Shows Collection Account which is very inaccurate - Account Number It should not have taken this much effort to have my account updated. I ask that you please file a complaint against this company for their unfair practices. Inaccurate information could not only cause me to be denied for a mortgage, but could also result in a higher rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Experian Information Solutions Inc.
State: GA
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 tried several times to get this rectified as you are reporting erroneous information and now I will be contacting state legislation and my elected officials regarding this information. The following accounts are incorrect : -XXXX  XXXX XXXX ( XXXX ) -XXXX XXXX XXXX ( XXXX ) -XXXX XXXX ( XXXX ) Both XXXX XXXX XXXX accounts are reporting incorrectly as discharged as student loans were not discharged in bankruptcy. Also XXXX XXXX  is reporting incorrect information and was never late within bankruptcy. All accounts are scheduled to come off within the next 3-6 months. Please delete the accounts ( early exclusion ).

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 2018-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On Monday XX/XX/2019, I made a payment onto my Capitol one venture card through the mobile app. I attempted to pay the minimum payment of {$49.00}, but it went through as the entire balance of the card of {$4900.00}. On the morning of Tuesday XX/XX/2019 I was notified that my checking account was negative {$3300.00}. My balance before that was {$1500.00}. The difference was pulled out of my savings account to make there be sufficient funds for this payment. This payment was not supposed to happen. I am a student with no income and need this money to not only helps me pay for school, but for all my bills. I have talked to no less then five different people at Capitol one, including a manager, who all claim that there is no way for this payment to be reversed. All of the people I have talked to at Bank XXXX XXXX have stated that this claim is ridiculous. They have people make mistakes all the time through the bank and the payment just becomes reversed. XXXX has filed a claim for a charge back to Capitol one to attempt to get my money back. They will give me a credit for the amount I lost within 24 hours. The claim processing time takes around 45 days, but if Capitol one declines to pay back the funds, then the money from XXXX gets taken back, which basically means I can't spend any of it just in case they don't approve the charge back. I'm at a loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2022-12-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited XXXX checks in the amount of {$28000.00} in an ATM at Chase XXXX XXXX XXXX ATM on XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/2022 at XXXX. 
The ATM malfunctioned. 
The ATM Rebooted in the middle of the deposit process. It showed that its performing a Software Update. Once the Update was completed it returned with a RED Message saying the ATM was not in service. 
The ATM did not Deposit my funds nor did it RETURN MY XXXX CHECKS I had inserted. 

I immediately went inside the bank and asked for help. I wasnt helped with any urgency or concern. The teller names XXXX ( she didnt have a name badge nor would she tell me her name ). XXXX told me I needed to call the claims department and they she cant do anything because they dont deal with that. I was very upset and concerned about my {$28000.00} in checks in limbo in their ATM outside. XXXX couldnt have cared less, she didnt try to help me or find him. She ignored me and took another customer behind me and ignored any requests for help. 

I spoke to the next bank teller ( XXXX ) he calmly helped me get to a supervisor to help me figure out what we need to do. 
The contacted banker named XXXX. XXXX had an attitude as if I was bothering him for requesting help with the problem of their Malfunctioned ATM taking {$28000.00} of my MONEY! XXXX did file the claim with Chase Claims department. 
They told me I might get a temp deposit but it could take up to XXXX days to resolve. 
Now I am out of {$28000.00} that I direly need to PAY MY BILLS! 
Chase couldnt have cared less, no urgency or care. I was upset and needed emergency help with my checks in their ATM. I was concerned the machine would come back into service and spit my check out on the ground or into the hands of someone else. 

I want to file a FORMAL COMPLAINT on CHASE BANK and XXXX for how the handled this issue. 
Chase Bank needs a better process to retrieve customers checks and money from malfunctioned ATMS vs telling them too bad you will now wait XXXX days for a investigation to be completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
On XXXX I initiated an investigation with this company to dispute unknown and inaccurate items on my credit report. Until this day, XXXX, which is over 60 days later, I still have not received a response. This company feels that they can get away with ignoring me since they think I have no recourse but I am writing to you ( CFPB ) to help me with this situation and ensure they are adhering to the law. Section 611 ( a ) of the FCRA, clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been MORE than 60 days these items should be deleted right away. I require these accounts be deleted immediately or I will file a lawsuit due to the damage this situation has caused. My information was also impacted by the Equifax data breach and may have  got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: SYNCHRONY FINANCIAL
State: NC
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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states " I have the right to privacy. '' 15 USC 1681 section 604a section 2 it also states " a consumer reporting agency can not furnish an account without my written instructions. '' Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under 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
Consumer complaint received 2017-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In addition to attempt to communicate an issue to someone whom barely speaks you language with television and or radio in the background. 
Please see attached files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
a person representing this company, came to my home .Trespassed and handed me a notice that they were suing me for breach of contract of a credit card in a XXXX court.

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