BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
So I was driving and didnt stop and received a ticket and my car was towed. Fast forward went to court everything was dismissed. But during this who process my car was taking by the Loan company. I wasnt explain there was a clause in the contract for the to take the car if i was wreak less but I wasnt. So they took XXXX that was the down payment of the car hard me going back and forth with the Dealership and American Credit Acceptance. I was told by XXXX XXXX ID # XXXX and supervisor XXXX XXXX that a check on XX/XX/2023 and this XXXX  on XX/XX/2023 i was told by the company we sent it out and its my fault I didnt receive it and oh it looks like it was cashed and this was XXXX that it was received. I told the person on the call it need to be fixed I havent lived at that address in almost XXXX XXXX. So in short I feel like i was violated by the XXXX XXXX and American Credit Acceptance . 

As demonstrated in EXHIBIT A, [ XXXX XXXX ] is a creditor as defined in 15 U.S.Code 1602 ( g ). The agreement proves that this is a consumer credit transaction, as evidenced by the notice required by 16 C.F.R. 433.2, as indicated in EXHIBIT B.

The financing charge is the total cost of consumer credit expressed in dollars, as indicated in EXHIBIT C 12 C.F.R. 1026.18 H-1 Credit Sale Model Form. The term finance charge refers to the total of all charges, as defined by 15 U.S.Code 1605 ( a ). " The finance charge does not include cash comparables. 
In this contract, the " down payment '' is demonstrated in EXHIBIT D as cash down payment. This is a violation of 15 U.S.Code 1640 ( a ) for failing to comply with TILA. If the finance charge is the total of all charges in a dollar amount, there should be no need for a separate cash down payment. 
It is clear [ XXXX XXXX ] XXXX be held liable under criminal liability in the court of law in accordance with XXXX XXXX XXXX ( a ) as for Whoever willfully and knowingly gives false or inaccurate information throughout this agreement governed by Truth in Lending Act. To remedy this situation I am requesting I request an immediate return of the down payment of my vehicle ] I only want communication from this point to be in writing unless you are calling to settle this matter outside of CFPB. Please cease and desist any other communication other than writing to me in regards to this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, RI XXXX ( XXXX ) XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice that there is several unauthorized credit inquiries made by the companies listed above. To my knowledge, I Have not signed any documents authorizing the company in question to view any such part of my credit report. The listed inquiry was without my authorization, and for no legitimate business purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My brother in law used my identity to apply for several credit cards. I then submitted an Identity Theft affidavit disputing those inquiries to the credit bureaus but it looks like they closed this account as a result. This account is mine and not a fraudulent account. I do not want this account closed because I need it to pay for my XXXX  medication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have 2 open complaints with Bank of America. They are refusing to do anything. I had serious fraud which was reported on XX/XX/2022 when they were just authorizations. Fraud reports were taken. Somehow, the very malicious fraud dept maliciously engaged in XXXX XXXX XXXX XXXX insist that a close to XXXX XXXX XXXX woman who is in a XXXX XXXX XXXX XXXX XXXX go into one of their very crowded and grossly understaffed banking centers. Initially XXXX XXXX called but then totally refused to return any of my several phone calls to him. I managed to get a call center with compassion and the fraud balances were reversed. Then, last night, I saw a {$2000.00} balance - fraud dispute on one of my credit cards ( it was XXXX XXXX and I had called to close it. That kind compassionate person was able to release the numerous holds. When I called today, I ended up with a very mean and malicious person named XXXX at the XXXX XXXX XXXX who again insisted I risk my life or health by going into a branch. I told her XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To be very vicious and vindictive, she removed my online banking access. This is beyond despicable. I have one Bank of America Credit card that I used and the balance today is {$140.00}. I have no clue how I can pay this card without online banking. No one will speak to me with the block she maliciously just placed. And ... she said I could make an appointment at the branch but since the understaffed branches do not answer their phones, I couldn't even make an appointment. At the very least, have them kindly give me access to online banking.

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 2021-08-22
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company do not have a legal agreement with me this company have not provided me with nothing with my legal signature with them this company fail to send anything that shows that l have a collection with them with there name on its and do they had a legal contact with me with my signature attached with them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: Monterey Financial Services LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Never receieved a validation notice/statement of paid on the account. False representation, ask the company to stop calling on XX/XX/2018 they kept calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I've reached out to you about this situation back in XXXX US bank replied and told me my account was going to be closed as of XX/XX/2021 bit the account is not closed my funds is just sitting there I'm being charged fees and when I call the representatives can't tell me anything I was able to get hold of what was suppose to be a senior banker who was rude XXXX and XXXX at this point I don't know what to do and feel it's unfair to me to keep getting charged fees when my account should've been closed my account has been under investigation since XXXX it's XXXX and still nothing this is crazy please help

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX, first required me to by gap insurance, wheel and tire coverage and extended warranty I order to acquire a lower loan rate. Then in XXXX XXXX XXXX I had XXXX XXXX called and informed them. I was told that I would not be charged a late pay on my credit reports. To which I found to be a lie. Of course the credit bureaus cover and protect the business to no extent. Ive been advised that the XXXX XXXX XXXX XXXX is being ignored and may need further actions on my part.

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 2022-09-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have an account with asynchrony bank, they gave a limit of {$1000.00}. I have never been late kept my balance under {$500.00} at all times, they lowered my limit to {$370.00} and then reported my card as being over the limit

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 2019-10-28
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH Loan # XXXX I applied for a disaster forbearance XX/XX/XXXX due to the winter disaster of XXXX. I was approved for XXXX, XXXX & XX/XX/XXXX. I paid all. Than rolled over to a temporary loan mod for XXXX, XXXX & XXXX, XX/XX/XXXX sending my Quitclaim Deed with all filings. I paid all. Filed all of the paperwork in XXXX for a loan mod that started in XX/XX/XXXX with first payment XX/XX/XXXX. I was approved. I have been paying {$2100.00} ( amount of temporary loan mod as well ) for the loan mod monthly. I was told at the end of XX/XX/XXXX that my signature did not have my middle initial on said loan docs. I sent in ( notarized ) documents with middle initial XXXX XXXX. I was once again told that it was approved by my case manager. At the end of XX/XX/XXXXI was told that PHH had not received my Quitclaim Deed. I had sent a Quitclaim Deed with every filing. I sent another copy and PHH found the 1st & 2nd copy in the file during that phone call. I was told today XX/XX/XXXX that my documents were not approved because PHH does not accept Quitclaim Deeds any longer for Loan Mods. I have called PHH every week asking for my documents and was assured that my loan mod was approved but that my documents were not ready for sending out. At no time was I told that PHH had changed the procedures of not accepting Quitclaim Deeds until today. Nor was I told that my Loan mod did not go through until today. I have repeatedly asked for my case manager to call me without return phone calls. I left a message today for his supervisor but as of yet I have not received a phone call back! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2023 I received email to verify my email address with Bank of America XX/XX/2023 I received email stating my application was denied by Bank of America for a SafeBalance Account - under name of XXXX XX/XX/2023  I received email to verify my email address with Bank of America XX/XX/2023 I received email that my " application '' was being processed with Bank of America under my name XX/XX/2023 I received email stating my application was approved with Bank of America under my name XX/XX/2023 I received email welcoming me to Online Banking with Bank of America under my name XX/XX/2023 I received email to verify my email address with Bank of America. 

I in my almost 50 years have never had a Bank of America account, credit card, loan, etc. I have never banked with them and never applied for anything with them. 

I called Bank of America fraud department- they say they can not do anything because I will not supply them my social security number. Bank of America supplied me via email with an application confirmation number and the last six digits of an account number and they are saying they can't do anything without a social?? I will not give them my social, it's a fraud case to begin with.

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 2022-02-14
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Throughout XXXX and into XXXX I had experienced many difficult encounters with this company. I had setup bi-weekly payments and even called them to let them know and they assured me that I could do the bi-weekly plan I had planned. It wasn't until about XXXX months in that I noticed late pays and when I called them they said that the system didn't know so it appeared as if all my payments weren't applied correctly. They fixed it and assured me that they weren't negatively reporting me to the bureaus and that it wouldn't happen again. I had to do this every few months until last year, XX/XX/XXXX, when I had enough and refinanced my mortgage with XXXX. I had a pay off letter showing I was current on all payments, and I had even talked with NewRez prior to that refi to ensure that my payments were all applied appropriately. They told me that they had applied all payments correctly and that everything with the bureaus would be fine. Additionally, my refi went thru with XXXX no issues. 

Fast forward to XXXX and I'm in the process of looking for a new house and getting a pre-approval letter and low and behold NewRez is showing me having a missed payment in XXXX of XXXX. I promptly call the company to resolve this and I'm told there is nothing they can do and that if I wanted it resolved I would have to fax them a letter or mail them a letter. Yes, you read that correctly, in XXXX I'm required to fax something to a company who reported incorrect information on my bureau and they place the burden back on me to fix my report when THEY were the ones that messed it up in the first place. 

NewRez has not only tarnished my credit score, they are now preventing me from putting offers in on houses in a very competitive housing market. This is unacceptable and I demand an answer from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: CITIBANK, N.A.
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:
on XX/XX/2021, I got charged on my XXXX XXXX credit card with the amount of {$750.00} for the property appraisal with Citi bank loan. However, the appraiser did not show up to appraise the property due to her personal reason. I cancelled the loan with Citi bank on the night of XX/XX/XXXX. I contacted Citi bank in mid XXXX and they told me that they would follow up with me soon. However, I have not heard anything from them since then. 
I contacted my credit card XXXX  XXXX and asked to dispute because I did not receive the service that I asked for. However, the Citi bank only refunded for {$550.00} on XX/XX/2021. Citi bank did not fully refund my money, and did not give me any reason. I would like to submit this complaint to CFPB to follow up to know why I did not receive my full amount that they charged me. 
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 2023-05-21
Company: WELLS FARGO & COMPANY
State: TX
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:
Well Fargo has not refunded me the correct amount they let a transaction go threw my account with no accountability.

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 2022-08-18
Company: Experian Information Solutions Inc.
State: NC
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:
I have submitted disputes to you and didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. 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 non-monetary relief
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2019-10-28
Company: Mr. Cooper Group Inc.
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am continuing to have issues with my Servicing company. My Servicing company continues to repeat the following : " After completing our investigation into the aforementioned issues we determined that overall, there were no errors on our part. '' This is the root of the problem. My Servicer REFUSES to  admit they they or their predecessors have made errors in regard to my mortgage. Among multiple other failures and misconduct, XXXX XXXX failed to send a Good-bye letter informing that they were no longer the owner of my mortgage as of XX/XX/XXXX. As the new owner of my mortgage, Nationstar/Mr. Cooper also failed to send a Welcome letter at any time during the duration of their ownership. In the same way, Nationstar/Mr. CoopeXXXX also failed to send a Good-bye letter informing that they were no longer the owner of my mortgage as of XX/XX/XXXX. In addition, XXXX XXXX failed to send a Welcome letter when they became the owner on this date. In the processes of my interactions, I have continued to reach out to my Servicer, to request that the Settlement offer be renewed, which was extended to me in the latter part of XXXX. Until XXXX of XXXX, interactions from Mr. Cooper regarding a Settlement offer had ONLY been by email. In order for the XX/XX/XXXX Settlement offer transaction to be completed, my investor required that Mr. Cooper send a hard copy of this agreement with a POSTMARKED DATE via U.S. postal service. Mr. Cooper did send a hard copy of this agreement. However, it did not arrive until XX/XX/XXXX, and still did not possess a dated postmark. THIS is precisely the reason the Settlement offer could not be completed. Mr. Cooper and other Assignees of my mortgage are responsible for many violations in regard to my mortgage. I possess multiple pages of documents outlining these errors. Failure to send Welcome and Good-bye letters and failure to send a hard copy of the Settlement agreement are only two of the large number of violations regarding my mortgage since its origination. ( Attached are letters and replies. )

Company response to consumer: Closed with explanation