BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-08
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is my second formal CFPB complaint to Wells Fargo. My original, CFPB No. XXXX, regarding the company 's mishandling of my deceased grandma 's ( XXXXXXXX XXXX XXXXXXXX XXXX ) two IRAs resulted in me receiving the attached email from XXXX XXXX, Exec Office Case Specialist, sending an email to me addressed to my deceased grandma. How cruel and unprofessional!! Over a week ago, I called the phone number for XXXX XXXX and left a message pointing out this error and requesting a call back from his manager due to this insensitive email. However, to date, I have received no call back. I am not understanding why his voicemail specifically says that you will receive a call back within 24 hours ; however, this handler and his manager does not return calls. I would like a phone call back from this handler 's manager within 24 hours or I will be filing a complaint with the NC Attorney General 's department.

I would appreciate it if your company would also attend to my mom 's issue, as your company has informed numerous people ( my mom, my grandma 's executrix, and a manager of XXXX XXXX  ) that she is a beneficiary of one of my grandma 's IRAs. However, your company will not release the funds. She has sent the paperwork twice. This is not fair to do to my mom, who has a terminal illness, and has 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 2021-02-14
Company: FORD MOTOR CREDIT CO.
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:
The company agreed to completely remove the late reporting in exchange for paying the past due amount and not give the vehicle up to be repossessed that the account will be re-aged and current on all aspects including previous late reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
I owe a balance to Bank of America and I have been paying more than the minimum due amount for the past 2 months. The amount showing in my credit score does not reflect the amount that I actually own the bank.

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 2022-03-04
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a checking account online on Citibank website on XX/XX/XXXX and deposited around XXXX $ and later the bank was not able to verify my identity. They tried to send me a mail with a code to verify my identity but I didn't receive the mail but I received all their other mails like the cards and cheque book. On XX/XX/XXXX they closed my account and customer representatives are not talking to me as they were not able to verify my identity. I had previously sent them my drivers license and the proof of funds documents also but they are not helping me. 
I am fine with them closing the account but I need my money back which was present in my account.

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 2021-08-08
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my home with Amerisave on XX/XX/2020. The process took well over 90 days. At the beginning we were given an esimated closing cost of {$12000.00}. When we finally closed on the loan, the fees went up to {$13000.00}. The additional cost was due to the interest rate extension. 

During this process the bank asked us over and over again for the same documents which we provided in a timely manner. They switched loan officers and underwriters several times delaying the review of our file. WE SHOULD NEVER OF PAID EXTRA FOR THE RATE EXTENSION. I am filing this complaint today to get my money back. They owe us {$780.00}, plus they rolled it into the morgage which means we'll pay interest. They baited and switched us, delayed the financing of our home and cost us additional interest with our other banks. We were told the process takes between 30-45 days, with 60 days being worst case scenerio. They kept blaming my self-employment status for the delays. I know several other self-employed that closed on a timely manner with other banks.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They are saying I opened a credit card with them in XX/XX/2022 which I HAVE NEVER HAD A CITIBANK ACCOUNT. They are reporting derogatory remarks on my credit report and are refusing to fix it. I dont have a Citibank account and I have not opened a credit card account in 10 years. This is not okay they are reporting incorrect 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 explanation
Consumer complaint received 2022-03-04
Company: Security Credit Services, LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried numerous times to reach out via disputing on my credit report a collection of XXXX on an auto loan I took out years ago. I had gap insurance and was told when I financed with XXXX XXXX the gap insurance would take care of any balance on the car if total loss. However I see on my credit report where I owe a balance when I shouldnt. Security Credit Services failed to verify debt verification or original signed agreement and a balance on acct from XXXX to present. I want this debt off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
EQUIFAX has failed to complete an investigation begun by Equifax in response to CFPB COMPLAINT XXXX regarding XXXX XXXX XXXX, account # XXXX. 
By function of credit law and procedure this fraudulent account should have been removed from this bureau 's report as it was done on XXXX and XXXX, long ago. 
THE EQUIFAX REPORT AS ATTACHED SHOWS THIS ACCOUNT '' UNDER INVESTIGATION '' YESTERDAY AFTER CLOSURE OF THE 30 DAY DISPUTE PERIOD begun by the response to the noted CFPB complaint above.EQUIFAX IS NOT HANDLEING THEIR WORKLOAD AND VIOLATES THE FCRA, to my detriment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Alorica Inc.
State: CT
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:
SST/XXXX  has been disclosing negative nonpublic personal consumer information to nonaffiliated third party consumer reporting agencies. I did not consent to this and was never provided with the option to opt out of this nonaffiliated third party reporting which I, as a consumer, have a right to do per 15 USC 6802. As such, I am requesting SST/XXXX  cease their reporting of account XXXX to all consumer reporting agencies to include XXXX, XXXX, and XXXX, and that the account is removed permanently from all of my consumer reports with all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to ongoing violations by Chase of CFPB bulletin XX/XX/XXXX with regard to our inheritance of my deceased father 's house and our rights as verified successors in interest, my wife and I filed a revised RMA application with Chase via fax/letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Included with that RMA application was a letter from Chase dated XX/XX/XXXX in which Chase stated that we needed to submit certain documents to them by XX/XX/XXXX, which we did. 

Among the documents requested was a copy of the homeowners insurance policy or declarations page showing proof of homeowners insurance for the subject property. We provided this documentation to Chase on XX/XX/XXXX. However, we received a letter from Chase on XX/XX/XXXX ( dated XX/XX/XXXX and addressed to our deceased father who died on XX/XX/XXXX XXXX in which Chase incorrectly stated that we understand that insurance company provides coverage for the period of XX/XX/XXXX to XX/XX/XXXX ( this is wrong - our documentation shows XX/XX/XXXX-XX/XX/XXXX ). The letter further states that However, the names read as [ my wife and I ]. Our records show your name reads as [ my deceased father ]. Therefore, we are unable to accept this evidence of insurance coverage. 

It is physically impossible for my father who died in XX/XX/XXXXto purchase the homeowners insurance coverage himself. Furthermore, it is illegal for my wife and I to purchase insurance in the name of a deceased person. However, the letter indicates that Chase is wanting us to commit identity theft against my deceased father in order to obtain the insurance coverage Chase specifically requested. This is deeply disturbing and grossly unethical. 

We provided Chase with EVERY single document requested in their XX/XX/XXXX letter prior to the indicated deadline of XX/XX/XXXX. Please explain your position with regard to this urgent and troubling matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: Westlake Services, LLC
State: DE
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 had a loan with Westlake finance since XXXX. I have made my car payment every month. Within this time there has been a handful of times that I have had to arrange a deferred payment agreement in which was successful. 
This morning I woke up to my car repossessed. 
Since I pay my car payment every month, I was in complete shock. 
I called Westlake Financial and they proceeded to say that my payment was XXXX days late. 
This is simply not true. There is not XXXX - XXXX, or XXXX  day late on my credit report therefore where did this come from? 
How is my payment XXXX days late when my payment history shows every month since XXXX my payments have been made? 
This is not accurate information and they have illegal repossessed my car. I can send over my payment history that Westlake has also emailed me, showing that I have made a payment every month. 
They threatened they are putting this on my credit report when this shouldn't even of happened. They are absolutely no help as I spoke to a supervisor. 
This is against fair debt reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Kindly be exhorted that I have gotten your PC produced letter expressing that you have stopped examination of my credit reports on the grounds that, as you would see it, you accept that I host utilized a third get-together credit fix the office. In addition to the fact that I believe this to be a slow down strategy on your part to concede you an extra 30 days to agree to my unique solicitation, yet I trust it to be an outright infringement of the FCRA. 

You were exhorted by me on XXXX and XXXX by ensured mail ( COPY ENCLOSED ) that I scrutinized the exactness of a couple of things on my credit reports. That solicitation was composed by me and sent by me-not an outsider office. It seems clear to me that you are manhandling your capacity under the FCRA to get away from a total examination. 
As indicated by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are needed by government law to confirm, through the actual check of the first marked buyer contract, all records that you post on a credit report. Else anybody paying for your detailing administrations could fax, mail, or email in a false record. I interest to see evident evidence ( i.e. : a unique purchaser contract with my mark on it ) that you have on the document for the record recorded beneath. 
Your inability to decidedly check these records has harmed my capacity to acquire credit. Under the FCRA, inaccurate and unverifiable information must be deleted from a consumer 's credit report. 
Moreover there is NO law that expresses a customer can't utilize an outsider, so utilizing that as your reason is an immaterial. Truth be told, the United States Congress has discovered the entire cycle so overpowering that they bear the cost of buyers the option to utilize an outsider for their sake in the event that the shopper so decides. This is the reason your assertion is so disgraceful.

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 2023-06-04
Company: Eastern Account Systems of Connecticut, Inc.
State: TX
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:
I recently lost my social security card and idea in my wallet I been noticing a lot of inquiries on my credit that I wasnt aware of

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hi, I submitted a couple of claims to my bank ( Bank of America ) because my debit card had unauthorized activity, I found out through my bank statement online. The 2 claims were 1 ) Claim ID : XXXX Claim amount : {$170.00} Initiation date : XX/XX/2018 - I made this claim because I have never been to Kentucky or Tennessee, where of these transactions were done. 

2 ) Claim ID : XXXX Claim amount : {$340.00} Initiation date : XX/XX/2018 - I made this claim because somebody withdrew money from an ATM machine, unauthorized. 

For both claims, I told Bank of America that I usually leave my wallet in my car and my PIN number in my wallet as well. I have this information in arms reach because I have a mild XXXX of cognitive and memory impairment. 


Even though Bank of America placed a temporary credit for both transactions during their investigation, I received messages today, XXXX Bank of America 's " Message Center '' stating both " Claims not paid - Temporary credit will be reversed. '' I was confused on what this meant, as I am assure I never made any of these payments. They said they will reverse the charges on XX/XX/2018. 

I then called Bank of America 's " Dispute Resolution Service '' and requested additional paperwork from their investigation. Not only did the young lady tell me that they did not have additional paperwork for their research/investigation ( she tells me this is sort of a normal thing? ), she also told me that both claims have been put together, and that the ATM camera was the reasoning for both, even though that should have been for only one of the claims. 

It seems as if somebody compromised my bank account because not long before- I submitted a claim to XXXX around the same time because somebody had made an unauthorized purchase. XXXX credited me back no problem! 

Thank you for your help, hope to hear from you soon. 

Best, 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 2023-02-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023 I received my mortgage statement and my XX/XX/2023 payment was not posted on the statement, even though SPS had received the payment. Therefore, the account info was wrong as well as the interest bearing principal. Nor did I receive the payment statement for XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: JOHN GIBSON AUTO SALES, INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Hi, the consumer went in back in XX/XX/2020 for a consumer credit transaction with John Gibson Auto Sales. I went in going for a car and left with a debt. I was directed to pay a down payment of 2200 $ in cash and I had a deferred down payment of 500 $ to pay as well in a later date. On top of that my amount financed would be XXXX XXXX This was a violation of my consumer rights pursuant to 15 USC 1605 " the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges '' This was also a violation of consumer rights pursuant to 15 USC 1605 " the finance charge does not include charges of type payable in a comparable cash transaction. They also violated my consumer rights pursuant to 12 CFR 1026.2 ( 18 ) " A deferred portion of a downpayment may be treated as part of the downpayment if it is payable not later than the due date of the second otherwise regularly scheduled payment and is NOT subjected to a finance charge. 

I have also have yet to receive any direction on how to receive any notice in regards to my right to recession. This is a violation of my consume rights pursuant to 15 USC 1635 ( a ) " the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and recession forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later. The creditor should also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Identity theft occured with serveral accounts that are listed on my credit report! 
All listed fraudulent accounts were sent to each credit reporting agency. It is a violation of my Privacy Act and against the law for someone to use my personal information to commit fraud. 
Police report is available to substantiate claim with an XXXX  and person charged and taken into custody! 
REMOVE ALL ITEMS LISTED TO CREDIT REPORTING AGENCIES

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