BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-11
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I have up until now been a satisfied XXXX owner and have leased at least 6 vehicles and negotiated probably a dozen more for friends or clients. In XX/XX/2017, I realized I would drive more miles than I was contracted for so I spoke to a XXXX agent and purchased additional miles for the term of the lease. The agent confirmed that I would receive a cash credit for any extra miles unused. However, when I got my lease end statement, although the statement shows a total mileage credit of {$1500.00} and after legitimate charges, a net credit totaled {$560.00}, but instead of being paid this sum, the statement shows " other charges '' zeroing out the {$560.00}. I called and spoke with the manager XXXX at XXXX who said it was " XXXX policy to not reimburse overpaying for miles. '' I explained to XXXX that the XXXX agent told me the exact opposite and that's why I liberally purchased the miles that I did. He said he would research it. I asked for documentation at the time of my purchase showing this policy as if I had seen I would have immediately cancelled or revised my purchase. He said he would check for that and the associated phone records. He left a voicemail the next day but with no details and no direct line, only the general 800 number. I had to go through the whole process again as if it were my initial call until I got an agent that could pull my record. That agent said that there were notes on my file that said, " if customer calls back, tell him XXXX is not reimbursing him, XXXX. '' There was no additional substantiation and the agent was unable to provide any other details. I told the agent to document that I was completed unsatisfied and that I would be filing a complaint with the CFPB for a full reimbursement as I am sophisticated buyer and had closed many leases and would not tolerate this mistreatment. She offered to get XXXX on the line, but I had already told him that I would require reimbursement otherwise I would be contacting the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone applied for 2 credit cards that I did Not authorize!!!

1 ) Citibank Na, XXXX  XXXX  on XX/XX/2019 2 ) XXXX XXXX MasterCard,  sporting goods on XX/XX/2019 I am reporting fraudulent activity!!!

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 2021-11-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage Servicer : Community Loan Servicing Issue : Mortgage Paid XX/XX/2021 and Lien hasnt been released until XX/XX/2021 I need to close on my property on XX/XX/2021 and I wont be able to.

Community Loan Servicing has not responded well to my requests and is inapt to understand the urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: ORG GC GP Buyer, LLC
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Settled my debt with GC Services and confirmed with rep named XXXX that all XXXX disbursements were included in the settlement only to find out one month later that they want me to pay more. What can I do? They will not even provide a reference number or receipt of my recent {$7000.00} payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I found out that my identity information was stolen and was opened a fraudulent account by Bank of America. I submitted the POLICE REPORT from the XXXX Police Department and FTC Identity theft report to the credit reporting agencies and Bank of America. XXXX, XXXX, and XXXX have deleted this fraudulent account from my credit report but recently, I discovered that the credit bureaus reinserted this fraudulent account back to my credit report without sending me any notification. I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Vance and Huffman is falsely reporting a collection item on my XXXX, XXXX and XXXX credit reports that I do not owe. I disputed the account and Vance & Huffman LLC falsely updated it as " valid ''. The account falsely claims owe XXXX XXXX XXXX and amount of {$310.00}, which I do not. Account number XXXX. 

I do not owe this amount, I have never taken out a loan with XXXX XXXX XXXX or Vance & Huffman. Nor have I ever done business with either. 

The erroneous collection must be removed from my XXXX and XXXX reports as Vance and Huffman has never contacted me and has not sent me anything substantiating this alleged debt. It is not mine and is negatively affecting my credit. I am an XXXX and this irresponsible and false reporting can adversely affect my employment. 

This company needs to do its due diligence to verify debt ownership before reporting ( and continuously updating with no investigation ) false information on consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Myself and another person was on original title. The other person took out a loan with XXXX XXXX. Somehow in XX/XX/XXXX wilshire paid XXXX  XXXX And said i am the one who got the loan. How is that i didnt have a job at the time. I also have never received XXXX. The other person receives XXXX thats why XXXX  XXXX was able to give loan. They recently repossessed my truck on XX/XX/XXXX. I am an essential worker i use my truck to get to and from my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX my car along with some of my neighbors cars were broken into, and my phone and wallet was taken. Police was called where a report was filed and my phone company was notified. Neighbors reached out that same day saying the found some of my cards in the bush on my street, because of my work schedule and theirs I couldnt meet with them until the XX/XX/XXXX to get it. On XX/XX/XXXX I contacted my bank due to my American Express not being part of the cards that were located. They rep told me of transactions made on the account on XX/XX/XXXX. I informed the rep what happened and she filed a dispute. American Express denied my dispute and I refilled it in which the denied it again. I reached out to the police and merchants In question and they told me to contact my bank. I contacted my bank again and she told me to send information that shows my phone was stolen in which I did. After speaking with a rep and supervisor, they told me they will file an appeal. Later, I was informed they cant file an appeal because it shows the phone that was stolen was an XXXX phone and it says on my dispute I had never done business with XXXX Pay before. I informed the rep that the phone stolen was an XXXX phone but I have never done business with XXXX Pay, nor is any of my cards linked to them. She says because I had an XXXX phone that was stolen they can not appeal my claim for {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
There is one account on my credit report that does not belong to me through TransUnion and there are a few inquiries that are not mine on XXXX  and TransUnion I have been disputing these with the bureaus and the furnishers but they wqill not help me out I didnt open this account or pulled any of those inquiries I need help to remove this from my account please. 

XXXX XXXX - Acct # XXXX Amt {$62.00} Opened XX/XX/2020 INQUIRIES XXXX XXXX XXXX - Inquiry date : XX/XX/2020 XXXX XXXX XXXX - Inquiry date : XX/XX/2020 2020

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 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Attached please find the FTC report requiring TransUnion to remove the tradeline XXXX XXXX # XXXX. I have also sent this to TransUnion via certified mail. To this point, they have ignored the FTC 's order. They should either be required to obey the law or be fined and sanctioned.

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 2020-05-28
Company: WELLS FARGO & COMPANY
State: TX
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 was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to 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 monetary relief
Consumer complaint received 2018-05-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have submitted dispute to the three credit bureaus to verify this account. On three separate occasions this account has came back verified by XXXX  and XXXX. XXXX   sent result stating that this account was not verified and it did not belong to me and it was deleted. If XXXX  was unable to verify this account how is this account verified by XXXX  and XXXX? I request that this inaccurate unverified account to be deleted promptly from XXXX  and XXXX. If this account is indeed accurate and valid I request the original signed contract with my original signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: STERLING BANCORP
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
This is a complaint against Sterling Bank for their failure to recognize me as power of attorney, despite multiple attempts to communicate with them and provide them with the appropriate documentation. 
In early XXXX of this year, I discovered that it was necessary to begin helping my elderly aunt with her financial affairs by activating my role as power of attorney ( POA ) on her behalf. Some years ago, she had given me a list of all the financial institutions she did business with. XXXXXXXX XXXX at the XXXX XXXX in New York, was among them. I discovered that XXXX had merged with Sterling Financial, so I called Sterlings 800 number on XX/XX/XXXX to make sure that my aunt did in fact still have accounts there and find out what I would need to do to demonstrate that I had POA in order to gain access to them. I was told that I had to submit via snail mail to Sterling 's Transaction Processing Dept. my  aunts General Durable Power of Attorney document. I did that the next day, XXXX XXXX. After nearly three weeks of not receiving any response, I called Sterling 's 800 number again ( on XXXX XXXX ). The representative I spoke to asked me for information about the account ( s ), including the account numbers and my aunts social security number, then placed me on hold for about 10 minutes. When she returned, she told me she couldnt see " on her screen '' any record of the documentation I had sent but said she would reach out to Sterling 's legal department and then call me back. A week went by, but I did not receive any callback. On XXXX XXXX, I sent a letter complaining about this issue to two members of the executive management team : XXXX XXXX, the president and CEO ; and XXXX XXXX, the senior executive vice president & corporate banking president. I have not received any response.  Over a month has elapsed now since my initial outreach to Sterling on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: GENTRY FINANCE CORPORATION
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have filed a complaint once. The companies response specifically stated they dont intend to disrupt the workplace and they noted the account and will stop calling my employer. They continue to do so MULTIPLE times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Penn Credit Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Constant calls -- over 50 calls from XXXX asking for someone other than me. 

Extremely invasive. I am a senior citizen and the unceasing calls are stressful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Diversified Consultants, Inc.
State: IL
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:
Diversified Consultants, Inc. had a derogatory account on my credit report for an account belonging to XXXX. I am a victim of identity theft, I've already disputed the validity of this account and it has been removed from my credit profile twice. I recently moved and now I am once again starting to receive harassment via telephone and now U.S. mail regarding a debt that is not mine. Furthermore I have NEVER done business with Diversified Consultants therefore they have no right to contact me or harass me for a debt that is not even owed to them. The account number on the notice is XXXX and agency reference number is XXXX. The amount Diversified Consultants is threatening to damage my credit over is {$220.00}. Again, I have no business with Diversified Consultants, never have and I do not owe a debt to them or XXXX. I would like for them to discontinue contacting me and to leave my credit profile unbothered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2018 I performed a wire transfer with Moneygram. Within seconds the funds were removed from my account as the transaction was completed. Moneygram withdrew {$540.00} from my account. Literally, 10 minutes after the initial transaction, the recipient was not allowed to retrieve the funds. I contacted Moneygram to inquire why the transaction was canceled, and I was informed that the system canceled it and no further information was available. At that time I requested a full refund. I was told that it will take 10 business days for me to retrieve my funds back. I feel as though I have been scammed. How is it possible for them to deduct my funds only to cancel the transaction in a matter of minutes. Why wasn't the transaction disallowed before the removal of my funds. I feel that Moneygram is capitalizing on the interest of my funds. My bank will not acknowledge my dispute because Moneygram representatives are informing me that they can't provide any form of documentation to show that my transaction was canceled. The 5th representative basically told me to " take his word, I will get a refund ''. This is beyond frustrating that no one at this company can explain wy the transaction was canceled, nor can they explain why I have to wait 10 days due to their error. I am now forced to deal with numerous adverse charges into my account. This is a horrible business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: ENCORE CAPITAL GROUP INC.
State: WY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX has received 2 requests from myself asking for proof of the disputed debt as well as proof they are licensed to collect debts in my State. Each letter is responded to with one saying Your dispute is rejected. They have never shown proof of debt or even that they have a legal right to try to collect this since I believe they are not licensed to collect in the State I live in. I can not deny or accept the debt without proof from the original creditor and they have outright refused to provide that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
THIS IS A FRAUDULENT CARD/ACCOUNT! I, XXXX XXXX, DO NOT HAVE A CHASE XXXX CARD ( I'm not a coffe drinker ). SOMEONE HAS HIJACKED MY COMPUTER AND IS OPENING ACCOUNTS IN MY NAME. MY PHONE NUMBER IS XXXX i THINK THEY HAVE MY SOCIAL SECURITY NUMBER. THANK YOU, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft, the following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile with 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent XXXX XXXX XXXX # XXXX {$150.00}, XXXX XXXX XXXX # XXXX {$4900.00}, XXXX # XXXX {$280.00}, XXXX  # XXXX {$1700.00}, US DEPT ED # XXXX {$1900.00}, US DEPT ED # XXXX {$320.00} Inquiries :

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 2021-11-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft, the following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile with 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent XXXX XXXX XXXX XXXX XXXX {$150.00}, XXXX XXXX XXXX # XXXX {$4900.00}, XXXX # XXXX {$280.00}, XXXX # XXXX {$1700.00}, US DEPT ED # XXXX {$1900.00}, US DEPT ED # XXXX {$320.00} Inquiries :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE. I NOTICED IT BCAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASNT APPROVED SO IT PROMT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AN DNED TO BE DELETED FROM MY CREDIT REPORT. XXXX XXXXXXXX {$850.00} XXXX XXXX {$490.00}

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