BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-15
Company: HYUNDAI CAPITAL AMERICA
State: MA
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:
We purchased a XXXX XXXX in the summer of XXXX. The car was totaled on XX/XX/XXXX. At that time, we owed {$1500.00} on the car. Our insurance company, XXXX XXXX XXXX, settled our claim for {$12000.00}. We were owed {$11000.00} after the car was paid in full. Our insurance company was going to send Kia just what they were owed and send us the check for the balance.

Unfortunately, Kia wanted XXXX XXXX to handle it differently. I am attaching a letter from Kia Motors Finance to XXXX XXXX, asking for the entire settlement, despite only being owed {$1500.00} on the car. 

XXXX XXXX sent the check for {$12000.00} to Kia Motors Finance. The check was received by Kia on XX/XX/XXXX and cashed on XX/XX/XXXX. I have attached a copy of the cashed check from my insurance company. We have called Kia Motors Finance on a minimum of 10 occasions. We have been told on 4 different occasions that the check for the balance of {$11000.00} will be sent to us in 7-10 business days. Each time 10 days has passed and we call again, we are told that there are no notes showing that  anyone processed the check. Many times when we call, we ask for supervisors until we've talked to every supervisor available. Every time, we are on the phone for a minimum of an hour. We are always told that all that they can do is " send an email to processing. '' We are told there is no phone number for processing and there is no one for us to call. We very much feel we are getting the run around. We are starting to fear that the company is filing for bankruptcy and we'll be out a significant amount of money. The behavior of many of the people we've spoken with has been very concerning. Some have acted helpful and they tell us what we want to hear and then nothing happens. When we call back, there are no notes that we've ever called. We have no idea where to turn and feel very much that Kia Motors Finance is holding our money hostage. This was never their money to begin with. We owed a very small amount, always paid our monthly payment on time and in excess. We deserve to be paid what we're owed. We had to take out a loan to purchase another car for which we are now paying interest.

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 2019-03-22
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on or aboutXX/XX/XXXX phoenix financial services called me trying to say i owe them {$790.00} for a medical bill from 5 years ago when i tried to explain to them i had never been to the hospital in XX/XX/XXXX like they claim i was cursed at and told bye the man on the phone " '' '' im not hear to argue with your XXXX XXXX XXXX   either you give us the money or i will XXXX XXXX XXXX XXXX up your credit so your telling me your not going to XXXX XXXX XXXX pay us " '' '' ... 
my son who is now XXXX and has the same name was the one who went to the hospital and he had full XXXX which paid that bill in full and now 5 years later do to someones stupidity at the hospital making a clerical error and getting us confused with one another being there are 5 of us with the same name in my family they put a collection on me ... .why wait 5 years till 1 week after my son turned XXXX to pull this XXXX ... it is fraud i have tried to resolve this issue with them and no one will listen they just curse and threaten a XXXX man ... .and i have no idea who or where XXXX XXXX  XXXX XXXX is or why my son was there as i did not have custody of him his mother did ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
Hello my name is XXXX XXXX. I have a problem with my loan company. They are reporting that my account is 60 days pass due and it not accurate. I spoke with them on the phone and the rep told me that the system will automatically do 60 days when it had only been 30 or more days but never 60 days. Leagally how can they put me at being 60 days when it hasnt been. Speaking to them is very confusing and it hurts me to talk to them. I dont understand. They are very tricky with there system and its a way to keep the customers in bad ratings with there system. They can look me up by my socia! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: ASSOCIATED BANC-CORP
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I made a payment to pay off our second mortgage company said no payment was made. I have a receipt for payment from them. 
they took me to court when i produced the statement they dropped the case but did not release the mortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: PNC Bank N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a nonprofit  account with PNC Bank, for the past week I have been trying to link the bank account with our XXXX account. XXXX XXXX  XXXX is the financial agency that distributes fundraised money to non-profits. Every-time I attempt to link the accounts I get several different error messages from PNC. The most frequent is " PNC has made a change that prevents you from being able to link your accounts ''. This is extremely frustraiting due to the fact that linking the accounts would allow for direct deposit rather than having to wait weeks/months for funds to be sent via mail. Getting the funds is a time-sensitive matter for my XXXX  as we are doing Covid-19 relief efforts and need access to our funds as soon as possible. I have called PNC bank and they were not helpful and also said it may be a problem on XXXX end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: U.S. BANCORP
State: DE
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:
credit card issued by Elan financial services a subsidiary of us bancorp was charged in the amount of XXXX unauthorized i by phone told the credit card issuer of the unauthorized charge on XX/XX/2020 they provided credit to my card and sent me paperwoork to fill out to dispute the charges i filled out the paperwork and they later denied receiving it there has been a severe us mail problem beginning and recorded since XX/XX/2020 of which they were aware yet no e-mail sent to them concerning lack of receipt of paperwork they waiting on their denial was after the 60 days since they issued me credit for the unauthorized charges and a debit of XXXX was initiated and recorded i have called on other unauthorized charges in the past four years and they are aware of my timely diligence to resolve all issues. charges were by XXXXXXXX XXXX XXXX. and were twice on one single day for XXXX as well as other charge dates

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 2020-08-27
Company: CITIBANK, N.A.
State: NC
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:
Item was purchased. Requested seller to cancel, they did not. Package was refused and delivered back to merchant. Opened a dispute. Merchant provided half of the tracking, saying that the item was delivered, but not the other half where it was returned to the merchant. No one from CitiBank actually bothered to look at the tracking number from XXXX website the entire despite, and appeal, even though I suggested to multiple times. After calling Citi to appeal, they said send a letter via FAX and/or e-mail, which I did both. Never heard a response, and they said they never received it. Proof and all documentation on my end were included. 

XX/XX/2020 XXXX XXXX XXXX Tried resolving with the merchant but they do not respond.

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 2020-06-24
Company: Ability Recovery Services, LLC
State: AK
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was down to owing XXXX XXXX XXXX back in spring/summer of XXXX when I had a death in the family. In XXXX of XXXX, XXXX XXXX contacted me and said if I pain 80 % of the remaining balance, {$280.00}, they would mark the loan as paid in full and close the account, so I did and they sent me a receipt. Now suddenly, 6 months later in XX/XX/XXXX, a collection agency Ability Recovery Service starts reporting to all 3 credit bureaus that I owe THEM the {$360.00}. I have tried to call the number that they list, but it comes up either busy like it's off the hook, or no one answers. 

THIS IS FRAUDULENT and unfair and an attempt to collect on something that has already been paid. I WILL NOT pay twice and the fact these people NEVER WROTE to me, called me or contacted me says it all. 

I want it taken off my credit report. And I want credit reporting businesses like XXXX XXXX, XXXX   and XXXX  to be held responsible. Apparently they will just take ANYONE 's word WITHOUT ever ACTUALLY verifying information. I could send them a letter saying my ex-husband owes me {$36000.00} and they would put THAT on his credit report. SHAMEFUL!!!!! Goes against EVERYTHING the FCA is suppose to protect consumers from.

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 2019-03-22
Company: Experian Information Solutions Inc.
State: IL
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 sent over letters to Experian and XXXX requesting that unverified accounts with incomplete and unknown data be verified. I am receiving emails and results stating that they are verified. The last results I received from XXXX on Monday XX/XX/19 state that the accounts have been verified, however they did not provide the method of verification and completely ignored the request for a signed consumer contract with my signature and all of the incomplete unknown data accounts still remain on my credit report. The same results also happened with Experian. I also received a letter from Experian they they will not investigate the matter further. With a prior dispute with Experian, 2 of the accounts were deleted, however all of the other accounts containing the same incomplete unknown data were left on.

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 2018-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, 2 unauthorized transfers out of one of my Bank of America accounts occurred : total of {$7900.00}. 
One to = XXXX Transfer Conf # XXXX {$1900.00} The second to = online bank transfer Conf # XXXX = {$6000.00} I immediately informed BOA that I was hacked ; changed all my passwords and put in additional fraud protection. My BOA case number is : XXXX. 
They said they would do an investigation, and give me temporary credit 2 weeks after, They have since DENIED my wire transfer fraud, accusing me of giving my password to someone. 
I HAVE never given my BOA password to anyone. I have been a BOA customer for over 40 years, and currently am a Platinum customer. At the time of the wire fraud, where clearly someone hacked my account, I had approximately {$300000.00} in BOA ; different accounts. MY BOA local manager, XXXX MA. has called BOA and vouched for me. 
I work at home, and never take my computer on the road. My home has never been robbed. I am XXXX year old XXXX XXXX. Married 40 years. 
A BOA analyst, whom made this decision, called me last Thursday XX/XX/XXXX and accused me of giving out my password. She was very accusatory, aggressive and I feel PREJUDICED against me. I asked to speak to her supervisor, she would not let me. I explained I had been hacked clearly - and asked her what did BOA find out about the 2 felonious transfers? Whom did they go to? She would not give me any information. 
I feel BOA, instead of looking for the criminals - is trying to steal my {$7900.00}. 
Please help me get my money back. 
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 2023-03-09
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I the natural person did not authorize OR granted my permissible written consent to your company to pull my consumer report and neither did you provide me a consumer financial product or service pursuant to Title 12, United States Code, section 5841 ( 15 ). I demand your company immediately purge and delete the unauthorized inquiry from my credit file before ligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Clarity Services
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been receiving emails from XXXX XXXX about my credit being ran and denied. I have not given this company nor any third party it works with to run my credit. I have called and emailed them and continue to receive 3-5 emails daily from them about my credit being ran. Latest was a senior manager XXXX XXXX. Emails consistently have Clarity service on them. Contact was made and to no aveil nothing has been done to stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: WELLS FARGO & COMPANY
State: FL
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:
Hello! I have a Credit Card ( Platinum  ) with Wells Fargo Bank, and I am having problems with the outstanding balance of each month, since I am being charged up to {$150.00} more in each payment. And I noticed that in my last statement, where the bank is charging me {$850.00}, and when I make my own sums of what I must pay it gives me a result of {$360.00}. I tried to fix that problem with the bank, but when I called they told me that I am not paying the full balance, and that is why money is accumulating in my outstanding balance. Which is a lie, because I am 100 % sure that with each payment I make, I pay 100 % of my outstanding balance. They refused to try to continue helping me, and I even asked them if they could start a further investigation, and they refused. I need your help, because my money is being taken from me in a blatant way. If you need my personal information, and my bank account information, I can gladly provide you. But please, I need this case cleared up as soon as possible. My suspicions are that the Wells Fargo Mobile App does not record some payments I make, and what it does is accumulate and accumulate payments that have already been paid each month. In fact, when speaking with the Wells Fargo customer service assistant, I gave him that idea, so that they would study my problem further, but they refused, and they kept firm that " I don't pay my balance completely '', but it is not like that, I am 100 % that I pay every month " Everything, without leaving late payments '' Thank you very much for your help, I fully trust you. God bless 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 2021-05-04
Company: Experian Information Solutions Inc.
State: MI
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

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 2018-04-25
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Bluebird by American Express denied a fraud claim for items totaling XXXX including charges from XXXX XXXX  on XX/XX/XXXX, amounts of XXXX and XXXX. As I stated to both XXXX reps and Bluebird fraud dept, I did not receive anything from this merchant and do not know the person using XXXX account, XXXX. XXXX has not provided any proof of receipt such as a tracking number and or description of item ( s ) supposedly sent. Two other charges from XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX are also fraud, the merchant refunded a total of XXXX on XX/XX/XXXX, amounts of XXXX and XXXX. I do not know the reason for refund, the merchant refers me back to American Express to dispute the items. It appears the merchant chose to refund part of the transaction in the amount of XXXX on XXXX, did not state reason ( s ) why and refused to refund difference. Bluebird has not provided reasons for decline of claim or shown any proof the charges are authorized by myself, refuse to investigate further despite the information I've shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: AMERICAN PACIFIC MORTGAGE
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, Thank you for your time. I did a re fi for my house in late XX/XX/2021. I was not due a payment until XXXX. I made a payment in late XXXX to ensure it cleared by the XXXX due date. This payment was never received per American Pacific Morg. I have the cashed check for {$960.00} and proof from my bank that it was endorsed. My bank has also stated the check cleared on XX/XX/2021. Note that first payment that was missing is XXXX cents short -- and I have paid additional principal each month. I called about this issue and the XXXX and XXXX statements that seemed like I owed 2 months of payment. I called and often no one answered or I was hung up on. I finally got a person who stated my account and escrow was set up wrong. That was not the issue. I have tons of emails and spreadsheets and copies of payment that I can provide. And in the meantime my loan was dumped over to XXXX and they are making me go through all of this all over. It has been highly irritating and I have spent hours on this now. In order to protect my spotless credit I had to make 2 payments in XXXX which was a hardship due to the pandemic. 

If you need any further information you can contact me at XXXX or my work email XXXX. Thank you for your 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 explanation
Consumer complaint received 2020-07-26
Company: EQUIFAX, 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 I never live at these addresses : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX LEGACY XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX PASS XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX LEGACY XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Names is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX - CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CARD SERVICES CAPITAL XXXX BANK XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am complaining because my loan payment has increased immensly. I am repaying my loan on a repayment plan and i am not informed that i am paying interest only. Navient is not applying my payments toward principal at all. I owe over 43,000.00 in principal and i am not making a dent. I have been paying this loan back consecutively for two years and nothing has been applied toward principal. I called but no call back. It doesnt make sense how my initial loan payment was half that amount and now ten years later after i graduated it is twice as much. I deferred for years due to financial hardship and didnt pay interest but i should still have money put toward principal. This is not right.

Company response to consumer: Closed with explanation