BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-31
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This is a complaint about FRAUD AND ID THEFT by withdrawing money from my savings account at Citibank. 

Someone registered on XXXX  using false documentation and my personal bank details, which I have kept confidential without sharing with anyone, and made several automatic debits for usd {$500.00} without notification from the bank to me that this was happening. The debits started in XX/XX/XXXX until XXXX of that year when I realized what happened and started a claim with Citibank. The number of transactions made exceeded the limit of transactions allowed by United States Federal Law, and the bank did not stop these transactions, concluding with the closing of my account for that reason. For example inXX/XX/XXXX 10 withdrawals were made from my account and the limit is 6. 

The detail of the transactions are as follows : Transaction Date / Amount XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} Additionally, in XX/XX/XXXX I went in person to XXXX Florida to the office where I opened my account, in which the bank agent indicated that the ATM card that I had was invalid and that there was another card number to my name in the system, which I never requested and was not in my possession. For security the agent proceeded to request a new debit card. 

Until now, the bank has not been able to deeply investigate what happened to my savings account and my ATM card, and as custodians of my money they must do the investigation with XX/XX/XXXX XXXX XXXX to demonstrate what really happened. 

This complaint requires the return of USD {$8500.00} drawn from my savings account at CItibank without authorization from me.

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 2020-05-31
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I deposited a check on XX/XX/XXXX into my checking account with ALLY BANK. Due to past low checking account balances and overdrafts, Ally will not release the funds into my account until XX/XX/XXXX. The corporation that owns my apartment complex is giving all residents a 10 % discount on rent for XXXX if the rent is paid on or before XX/XX/XXXX. This will save me {$100.00}. Ally refuses to release the funds to my checking account. So instead of working with me, helping me through the Coronavirus pandemic and all of the other issues our country is experiencing with rents past due, evictions, higher food prices at the grocery store and everything else, Ally wont help. Im a handicapped senior citizen. I sold my car to make ends meet. I have no family. No one I can go to for help. Ally wont help me save {$100.00} I could apply for food!!

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 2023-01-11
Company: JPMORGAN CHASE & CO.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
At lease origination, my contractually-documented residual value was determined to be {$19000.00} for my 2020 XXXX XXXX XXXX 

At the end of my lease, my account was debited for an extra lease payment because Chase XXXX does not stop charging automatically at the end of the lease term and it is the responsibility of the customer to manually stop payment set up in their system. When I called to report the overpayment, I was told by Chase customer support that this amount would be used to reduce the payoff amount on my vehicle. 

I was charged {$420.00}, which should have reduced my payoff to {$18000.00}. 

I was told to pay {$18000.00} to purchase my vehicle after this extra payment. This is a difference of {$90.00} that was taken by Chase with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: JPMORGAN CHASE & CO.
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:
I paid off my vehicle, in full, in XX/XX/XXXX. I called Chase Auto in late XX/XX/XXXX, a month later, to ask when I would be receiving the title to my vehicle. That was when they notified me that the title had been mailed out over a month ago, via standard USPS mail. The agent essentially told me that the title must have been lost in the mail and that I would need to go to the DMV here in California to apply for a new title. 

I asked the agent why they would send such an important document, such as a car title, via standard USPS mail, with no tracking, especially during a pandemic. The agent said it was " standard procedure ''. 

They then proceeded to tell me that if I wanted the title to be delivered with tracking, I would have had to call and request that, and pay a {$6.00} fee. None of which I knew, because I was never sent a notification, and this is my first time financing. I just assumed a bank as large as Chase would use common sense and have a shred of decency to mail it in a secure method. 

After my conversation with them, I went on to learn that instead of me having to go to the DMV, an obvious inconvenience, and have to pay a new title fee, CHASE could have applied for a duplicate title via US mail, however, that option was NEVER given to me when I called them. They were simply passing the buck to me. 

I called back again to explain this to them and ask why I was essentially lied to. The agent I spoke to, XXXX, was unhelpful and combative. So I asked to speak to a Manager, but was left on hold, purposely I suspect, for well over a half hour. 

Chase Auto Finance is the WORST. Mind you, I paid my vehicle off, in full, a year and half early. I also was never late, nor missed a payment. Horrible company. 

This issue is still ongoing and unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX. XXXX XXXX on XX/XX/2023 regarding a debt from XXXX that I did not recognize. I sent a letter back to XXXX. XXXX XXXX on XX/XX/2023 advising that I did not recognize this debt and wanted them to provide a verification of the debt within 30 days. I have not heard anything back from XXXX. XXXX XXXX since then. I contacted XXXX, which is where I currently have my service, and they had no record of this debt in their system. I put in the letter to XXXX. XXXX XXXX that I didn't want this to go on my credit report and wanted to avoid that at all cost and wanted to get this resolved before then. Debt Acct # : 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 2020-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I Disputed in XXXX, XXXX, and XXXX of 2020 with XXXX and Transunion credit bureaus about verifying the account of XXXX account XXXX XXXXXXXX. I asked for verification with XXXX account XXXX XXXXXXXX, and I received no response from them all three times. XXXX  and Transunion replied that this account has been verified by the Fair Credit Reporting Act but I have not received anything from them nor have they shown me their methods of Investigation. I don't believe either bureau did a proper investigation or if they even investigated this account at all. I'm asking help from the CFPB in order to correct this issue by the credit bureau doing a proper investigation and deleting this unverified account. thanks.

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 2023-01-18
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXXXXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: WELLS FARGO & COMPANY
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, my husband and I purchased a car from a company online. We sent a wire transfer from our bank, XXXX to an escrow account at Wells Fargo. The company would not receive the money till we received the car. On XX/XX/2022, I received a phone call from XXXX from Wells Fargo that there was a problem with the wire. I called the fraud department back and was told that our money was safe in the escrow account at Wells Fargo and were told to go back to our bank, XXXX and have them do a recall on the wire so we could get our money returned. Unfortunately, XXXX XXXX  performed 4 recalls and each time Wells Fargo ignored the recall. On XX/XX/XXXX, I went to our local police department to see if they could get anywhere. Unfortunately, they were told that the money was gone and we weren't getting it back. It is now XXXX and I can't find anyone to help me in this matter. 
Thank you, 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 2019-06-01
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing this complaint in regards to a debt that I had previously dispute directly with XXXX XXXX XXXX ( XXXX XXXX ) ACCOUNT WWR # XXXX. I never received a response back from XXXX XXXX XXXX. I HAVE HAD SOME ISSUES with Fraud that are still being addresses. I am in the process of filling a FTC ID theft compliant at this time. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Experian Information Solutions Inc.
State: AL
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:
I Disputed in XXXX, XXXX, and XXXX of 2020 with Experian and XXXX credit bureaus about verifying the account of XXXX XXXX account # XXXX. I asked for verification with XXXX XXXX account # XXXX, and I received no response from them all three times. Experian and XXXX  replied that this account has been verified by the Fair Credit Reporting Act but I have not received anything from them nor have they shown me their methods of Investigation. I don't believe either bureau did a proper investigation or if they even investigated this account at all. I'm asking help from the CFPB in order to correct this issue by the credit bureau doing a proper investigation and deleting this unverified account. thanks.

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 2023-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I'm willing to provide anything required by law to prove my innocence. Money was taken from my account that were a result of fraud. Capital One refuses to return my money or acknowledge the proof provided. On XX/XX/XXXX I was informed of suspicions activities on my account. After disputing the items I was told someone I know probably made the charges. I'm the only user of the account and have attached as much proof as possible. They failed to provide exact locations on several of the charges which makes it impossible to get supporting documentation on all transactions. See attached documentation. I also have several witnesses that I was with during this time. Im providing a police report a photo of the individual at one of the locations and a letter stating XXXX fraud liability. They could of called any of the fraud department and got camera footage. They claim the reason they took my money is I probably knew the person. Seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Silverman Theologou, LLP
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
in XX/XX/XXXX The law office of Silverman Theologue sued me on behalf of XXXX XXXX XXXX XXXX. I was naive and did not use the statute of limitations defense. I asked the Collector was this debt past the statute of limitations, but they stated it was not and I owed XXXX to thier client. They cohersed me into an agreement that I stuck to until I was unemployed during the pandemic. 

The violation was when I asked for a settlement agreement to keep it from getting into court in XXXX and the collector said that I still owed XXXX and the settlement is for XXXX. 

I never owed that amount and they charged this account off in XXXX. My understanding is once an account is charged off there is no additional interest that occurs. I asked for this amount in writing and the collector stated no I could not have it. I also asked for a ledger of my payments. I obtained a copy and the amount was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: MA
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 wallet was stolen back in 2019 and ever since strange account been popping up on my report. I tried to freeze my report but it didnt work.15 usc 1681 states that these negative collections and inquiries are fraudulent and abuse to my financial independence and the 3 credit bureau are reporting wrong information on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
After I file a complaint regarding XXXXXXXX XXXX XXXX deceptive act to CFPB. XXXXXXXX XXXX summoned a Court Order to me on XX/XX/XXXX, to foreclose on my Home. The actual Court Order is dated 2 months before the enforcement actions ordered on XXXX on XX/XX/XXXX. Subsequently, my wife is leaving the property in fear of being homeless. Is that a legal Enforcement Action?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Acct # XXXX, I am NOT the primary on the insurance. Incorrectly identified as primary by the hospital and by HCI collections. HCI continues to say that I am the primary but they have no evidence of it because it's impossible.

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 2021-06-03
Company: Global One Arbitration Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Complain XXXX XXXX XXXX XXXX, XXXX of legal age, with email XXXX, and in my capacity as owner of the policy XXXX with an effective date of XX/XX/2019, as I certify with the document attached to this email, I respectfully appear to expose : That I have come to file a complaint against the company XXXX XXXX investments, XXXX XXXX with address at XXXX XXXX XXXX, XXXX XXXX TX XXXX E.U.A. 

That on XX/XX/2019, the undersigned carry out a contract called offset transaction, which had the objective of terminating the contractual rental relationship with reference XXXX, which I attached to this document in format pdf in order to prove my saying. 
From said contract at the point indicated with number 4, a policy that they would have to pay emerges which has as data the policy XXXX, single folio XXXX, document series XXXX, with settlement date XXXX, for an amount of {$7600.00} USD, and which covers the amount of {$310000.00} USD.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an HSBC premier checking account because the bank had a promotion offering {$750.00} if I made {$5000.00} in direct deposits for 3 months. I satisfied the requirement but have not received the bonus. I called on XX/XX/2020 and was told I would receive a call back by XX/XX/XXXX but never did. It's unfair for banks to lure consumers with attractive promotions and then fail to deliver on their promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Paypal Holdings, Inc
State: NY
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:
There was a charge made in my Venmo issued card. I did not place the order and did not receive the item that they said was ordered. The charge originated from XXXX. I contacted XXXX  and they were not able to find an order associated with the transaction. The claim number is XXXX. 

I filed the dispute on XX/XX/XXXX. I was told they are waiting for the merchant to respond. To date the merchant has not responded. I contacted Venmo and was told the the mediated the dispute on XX/XX/24 and I have to wait 50 days from that date for the merchant to respond. This pushes the time to almost 5 months. 

I dont understand why I am waiting additional time for an unresponsive merchant to respond. They keep extending the time for a resolution. This seems unethical. Im sure there is a time frame for this. 

I recommend people be very careful with using Venmo. They do not have the interest of their ad users as a priority and do not protect them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-03
Company: ENCORE CAPITAL GROUP INC.
State: FL
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 am currently financially impacted by the covid19 disaster. Secondly, this is old debt and is no longer valid or collectible. Also, please note that the phone team was incredibly rude and unprofessional. To the point I deemed it tribalism and employees sabotaged the servicing of my account there after. Refusing to transfer to a supervisor in a timely fashion. Pure obstruction and internal employee sabotage. The amounts were wrong and this was prematurly thrown into collections. Very disrepectful and also illegal. This is not a valid debt and statues have long expired. The company was notified with many attorney general complaints and XXXX complaints but refused to remedy. Siding with the young intimidating phone representatives who are immune to oversight or accountability. At one point they asked if I voted for Donald Trump. This sort of behavior has since been termed " trump deraingement syndrome '' and this call center in Colorado must all suffer from it. Especially the XXXX who mis serviced us with this debt. Please remove this unlawful debt that is still showing on all my credit reports. XXXX XXXX XXXX XXXX  should all be notified to remove this debt. We will sue civilly if this problem isnt immediately remedied. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: Wilber and Associates, P.C.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was involved in a motor vehicle accident in which another car impacted my vehicle. I began receiving threatening letters from XXXX XXXX. I attempted to contact them to tell them that I am insured, and to contact my insurance provider. I then received these letters from this company. This is clearly illegal harassment, as I told them they were to cease contacting me immediately and to contact my insurance company.

Company response to consumer: Closed with explanation