BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-29
Company: AMERIS BANCORP
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have paid off my loan and have not received my title or release of the lean Document. I started with XXXX XXXX and they were purchased by Ameris bank. My experience is calling a phone system with dozens of options none fit. When I do finally get to the correct department it seems to be a race to get me off the phone asap. When I tried to pay of the loan they didn't explain process what so ever. I mailed in a check as no digital options or branches in my state. I waited and after a month or so I called. After extreme difficulty getting any information, they mailed it to the wrong address. I attached in the pay off my correct address. I was auto pay and did not access my account online. I have received correspondence at my address of 30+ months from Ameris bank on multiple occasions. I contacted a manager and he stated that he would send it and over a week later I still have not received it. I am getting nowhere and no one seems to resolve problems when the automated computer can't do it for them. I feel like my efforts at this point are futile. Please help me I just want the title I have paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts and inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts and inquiries : 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 2018-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Tried to access XXXX app to play the lottery. Went to fund my account by signing in to capital one. Capital one is blocking access to my account and I can not fund my account. Not asking for much ... only a few dollars per week.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: AMERISAVE MORTGAGE CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was fast talked in to giving {$500.00} on a appraisal fee to Amerisave Mortgage. This was on XX/XX/2019. Now no one returns my calls or emails. I think the {$500.00} is gone. Both my wife and I are on fixed incomes and have severe medical conditions. This really hurts our financial resources.

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 2019-05-22
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo purchased my mortgage from XXXX, subsuming the terms of my mortgage contract. Wells Fargo has been accepting timely payments from, however refuses to apply them toward my monthly payment. They are instead registering them as " Payments to principal '' -- one of their representatives notified me over the phone that they would still expect a " single, one time payment in the exact amount of the bill '' every month. 

The payments I make toward my loan are to be applied at my discretion ; the representative informed me that they would keep applying them to principal regardless of what my wishes are. To date I have received one legal correspondence from Wells Fargo notifying me that my " XXXX '' payment is overdue. From XXXX through XXXX I have submitted {$970.00} in payments. From XXXX through current I have submitted an additional {$310.00} toward monthly payment ; which the rep told me was not applied toward 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 explanation
Consumer complaint received 2019-09-12
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Experian Information Solutions Inc.
State: NY
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 called Experian during these dates, And they completely ignored me. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I also mailed them letters on the following dates and with the reference number XX/XX/XXXX - Experian Certified Tracking Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Experian Certified Tracking Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Experian Certified Tracking Number : 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 explanation
Consumer complaint received 2020-10-12
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 am a victim of identity theft

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 2020-06-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian lists me at two addresses in Florida. I have never lived in Florida. When I tried to remedy this, the claimed that the addresses have been verified. I don't know how these addresses could be verified if I don't live there at all.

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 2018-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
ftc violations item unknown XXXX, XXXX XXXX XXXX, XXXX, XXXX inquires that i'm not aware of

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 2020-10-12
Company: Better Mortgage, Inc.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for a mortgage refinance in XX/XX/2020 with a company called Better.com. At the time, Better.com partnered with XXXX XXXX to offer a {$2500.00} statement credit to anyone who applied through their special link and closed on a home loan or refinance. The terms of the offer stated that the statement credit would show up in the customer 's XXXX XXXX account 8-12 weeks after the loan closed. 

My home mortgage refinance closed on Saturday XX/XX/2020. I patiently waited for my the {$2500.00} statement credit that both companies promised to me but I did inquire several times as to the status of the credit, just to make sure things were on track. At each point in time I was assured I would receive my credit and that it was attached to my account. 

Almost 11 weeks after my refinance closed, I sent an email to Better.com ( on Friday XX/XX/2020 ). I received a response 3 days later, on Monday XX/XX/2020 stating that statement credit that was originally supposed to take 8-12 weeks to post would take another 1-2 weeks ( total of 12-13 weeks, which is after the promised timeframe of the offer  ). 

After waiting almost another 2 weeks, I again inquired by email with Better.com on Saturday XX/XX/2020 since it had now been 13 weeks since my refinance closed. I once again had to wait, this time for 2 days, for a response. The response I received today ( Monday  XX/XX/2020 ) from Better.com was that the credit would take an ADDITIONAL 1-2 weeks, therefore putting the timeframe in which I receive my credit at 14-15 weeks after my loan closed. I had also called XXXX XXXX and was told the same timeframe ( i.e. each company would not abide by the terms of their joint offer to consumers ). The original terms of the offer were 8-12 weeks. That means IF  everything is on time this time ( which hasn't been the case so far with these companies ) I will have ended up having to wait 3-7 weeks longer than the offer timeframe that I agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$740.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Chime Financial Inc
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
I have since receive the report from Chime Bank stating that I am responsible for the withdraws stating that they have linked it by ip address, but still didnt provide any information on if they see the person taking the funds. The funds were being taken from XXXX XXXX XXXX XXXX, XXXX, AZ XXXX at XXXX XXXX. I have witnesses that can verify I was visiting my son cooking dinner at the location of XXXX XXXX XXXX XXXX, XXXX, AZ XXXX when the charges were coming off. The only place my card was used on XX/XX/2020 was at I XXXX XXXX XXXX on XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, Which they did have a new card reader they was trying to figure out how to work, I feel it may be them, also still had the card with me in my possession while these charges where being withdrawn. When speaking to Chime they didn't not want to help at all in this matter. They were to give me a credit while they do the investigation and didn't, I also had my XXXX XXXX protection get into the matter which they also believe these where fraud transactions. I have had Chime Bank over 3 years and never took out that much money all at once. I have followed all steps in the packet, as well as reached out to XXXX XXXX to retrieved my funds that were stolen from me. Every time we open the case Chime Bank closes the case. I have been fighting back and forth with Chime Bank since XX/XX/2020. The total amount stolen was {$1300.00} which I told Chime that was my funds to move into my own place. Its $ months later and still trying to retrieve what's mine. They didnt care nor gave a credit until proven otherwise. Now that i have to put a fraud alert on my account, im stuck with this back till its over. I have submitted a police report for the fraud as well. Chime Bank is the worse and they dont care what happens to the people that invest into their bank. A very sad story.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was purchasing a house in XXXX and I was instructed by my XXXX agent to wire the {$25000.00}. I did at Bank of America on XX/XX/XXXX. On XX/XX/XXXX he called said run to bank cancel it, its fraud. So I did.i bank with Bank of America. The money was at XXXX XXXX XXXX in XXXX. No one would give me information. 
Im still waiting XXXX XXXX wanted a hold harmless letter. To release my money. Bank of America refused. 
Please help me get my money back. XXXX XXXX XXXX knows who the account belongs to and will not talk to me, b of a wont help either.

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 2019-09-12
Company: Opportunity Financial, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
This company calls me 6 times or more a day. I informed them in XXXX, that I had lost my job and I would call them back when I start work again and get my finances back on track. They dont care they have been calling non stop. They have made it harder for my recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
No matter how hard I try, they continue to report these inaccurate accounts on my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX  kept raising my insurance premium without my knowledge I disputed the amount with Compass since XXXX, Compass gave provisional credit, did not investigage and debited my account making all kinds of negative adjustment. 

All the disputes were handled in another country.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-29
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
.Hello to whom it may concern, Im submitting an complaint on my behalf to dispute a list of transaction ( s ) that happened while having an XXXX XXXX XXXX at XXXX . It is from my understanding that its impossible to dispute transaction ( s ) directly with-you or thats what an agent told me anyways. So, Im asking the CFPB to be involved as a middle-man. I will not be signing any documentation or anything, I would simply just like my funds back from the merchants in which are FULLY HIGHLIGHTED IN THE STATEMENTS I ATTACHED. If you can not draw my funds back, Id like to know how you came to these terms, and your investigation process. I will only answer through the CFPB portal, no calls, no mail, no anything. My Mailing Address & Phone Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN USA XXXX Number : XXXX Thank you very much for your understanding, and prompt response. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
Good day. I would like to reach out to you guys to seek help regarding my account. I am hoping you could spare some mercy as to what we are all experiencing. Amidst this worldwide crisis that we are facing, I lost my job due to company shutdowns and community lockdowns because of this I was able to miss payments and be late on them. Since XXXX our company where I worked with became unstable due to the Corona Virus that is fast spreading and since then production and services were cut off to save profit. Not long they cut down manpower too and unluckily I was a part of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My credit report shows a XXXX XXXX account ending in XXXX with the status " terminated ''. I was removed as an authorized user from this account. It should not be displayed on my credit report and the bank was informed.

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 2020-10-12
Company: QuadPay
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On, XX/XX/2020, I ordered a sheet set from XXXX XXXX and agreed to pay with Quadpay, four equal payments of {$39.00} scheduled every two weeks. On XX/XX/XXXX, XXXX after making two payments, I emailed XXXX for status on shipment. They replied the order had not shipped. I requested to cancel my order and XXXX   emailed me proof of cancellation due to non shipment the same day. I also notified Quadpay on XX/XX/2020 by email of my cancelled order, with a screeshot of the cancellation from XXXX and asked when I would receive my refund. Quadpay said it should take 3-5 day but sometimes up to 13 days. I emailed Quadpay again on  XX/XX/2020 of no refund and they replied they would have to look into the matter because they did not see the cancellation. I resent the proof of cancellation and told them I was also receiving notifications of payment due on the cancelled order. They respond they will look into it. I now have late fees, loan default and they have not cancelled my account or refunded my payments. Quadpay does not answer the phone and I get the same standard message of how long it takes and we will look into it every time I email to communicate my grievances.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I am in the middle of trying to purchase a home for me and my kids. I am a single mom and have worked hard to maintain great credit and save for a down payment. When my lender went to run my credit score my rating had dropped 100 points hindering my ability to buy my home. The score had dropped due to a credit card being opened by XXXX Citibank without my permission or application. When XXXX switched over from XXXX XXXX to XXXX I called and said I did not want the card. They assured me the card had been closed. I never saw the card or used the card. They proceeded to charge a XXXX Membership to my card even though I told them not to. This occurred last XX/XX/XXXX. I called them and they assured me the card was closed and that the fees, interest and charge had been handled. I have battled them for a year since then for a strange XXXX charge that keeps showing up on the card for interest against a {$0.00} balance on an account that is closed. They are killing my credit score. When I attempted to speak with them about this they said I could not talk to their disputes department and that I could only fax in my complaint. My lender is asking for a letter that states this was cleared up last year and will be deleted form my credit. They are refusing to give me a letter despite admitting over the phone that they can see it is an error in their system and that they don't know why their system keeps doing this. I desperately need your help. I am in escrow right now and if I can't get this cleared up in the next week I will lose my deposit and my home.

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