BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I reached the end of my lease and asked for an extension which I was given. I had problems with the lease because the contract had the incorrect mileage at XXXX miles. It's my understanding that this would make the contract void. I submitted a CFPB complaint which Nissan Finance responded stating XXXX XXXX ( Dealership ) needed to correct which they have not. I was given my options : purchase, turn in, and I provided I could trade they agreed. I wanted a XXXX. I went to XXXX XXXX to purchase a XXXX and I provided the payoff from the Nissan website good thru XX/XX/XXXX. I completed a full application and credit check, with paystubs. I was told there was an additional $ XXXX for early lease termination fees. Mind you my lease ended on XX/XX/XXXX. I tried to payoff the loan again through XXXX and authorized my salesman XXXX XXXX on XX/XX/XXXX and XXXX refused to speak to Mr. XXXX with XXXX. I believe that XXXX XXXX placed incorrect mileage on the lease contract so that I would incur a large fee at the disposition. I'm the one that caught the error not Nissan Finance or XXXX XXXX. I'm not sure how many other customer 's they have done this to on a lease and they should not be permitted to add a number to the mileage and think it's permissible. This contract is void. This is a large error on their part the mileage on a lease is paramount and they made a huge mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I fell into a common art scam An email was sent to me, interested in my art, client wishes to purchase a framed painting for XXXX USD Client sent a check directly to me, saying that he needs to be discreet, send XXXX USD check instead of XXXX, once inquired he says that an agent needs to pick it up and deliver for XXXX USD Foolishly sent XXXX USD to XXXX after being rushed by the agent The check XXXX  USD bounced out of the bank account Robbed of XXXX USD XXXX XXXX XXXX turns out I fell into a common scam

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold my home and closed on XX/XX/2021. The title company, XXXX XXXX, has experienced difficulty with the mortgage company ( PHH Mortgage XXXX to wire a pay off. The beginning problem was with the Title Company not having wire details. Once wire instructions were received, the wire transfer of funds for the mortgage pay off was made on XXXX, I received confirmation from the Title Company. I have the wire transfer details. My concern is that my mortgage company is still showing a balance and are denying receipt of the pay off sent via wire. My mortgage company, PHH Mortgage, opens at XXXX XXXX I have been calling all morning to try to ensure that funds were received. However, they have a recording that says due to Covid, customer service is not available and it disconnects the call. I am very concerned that my account has not been updated with the pay off information. I have no way to see what is going on or to communicate with PHH Mortgage about the wire transfer to confirm receipt. This is very alarming. 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 2021-08-16
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX XXXX am submitting this complaint on my own behalf, again, after numerous attempts to resolve this. Please due not mark this as duplicate as I have no other channel to report this matter before pursuing legal counsel. Please accept this complaint. 


Facts : I have disputed these accounts through each credit bureau XXXX and XXXX and the company has retaliated by placing past due payments on my credit file for debts that I dispute and do not own. 

I demand this company stop reporting false information and harassing me to pay debts I do not owe. If I am not able to resolve this, I will need this escalated to someone who can help protect me. 

This is illegal and according to Midland Fundings legal record, this is common practice to coerce people into paying unvalidated debts. I will not be bullied by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX  XXXX XXXX Balance {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EQUIFAX, 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:
I'M HAVING ISSUES GETTING MY DISPUTE PROCESSED WITH THE CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
Sent 2 certified letters I was told debt was VALIDATED ( not a verification ) I did request that this debt VALIDATED be sent to me with Certified Copies of the TRUE BILL ( not a statement ) & the Original Contract with my Wet Seal Signature on it I was not sent this information this is Now A Demand for this account to be VALIDATED ( not a statement ) to show proof this debt belongs to me this is now my 3rd request for this information if debt can not be proved the account has to be removed I do expect this within 15 days after being notified this complaint was received send this proof to my mailing address XXXX XXXX XXXX XXXX XXXX XXXX California XXXX this address needs to be updated on this account also and send all copies of all requested information also to my email address 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 2018-12-06
Company: Experian Information Solutions Inc.
State: CA
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:
1. EXPERIAN BUSINESS CREDIT - XX/XX/2017 -  UNAUTHORIZED INQUIRY 2. XXXX XXXX XXXX - XX/XX/2017 - UNAUTHORIZED INQUIRY 3. EXPERIAN BUSINESS CREDIT - XX/XX/2017 - UNAUTHORIZED INQUIRY

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 2020-06-04
Company: PNC Bank N.A.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I can not add accounts to send money to. Apps like XXXX, XXXX require you to link you bank account for functionality of the app. Having my money held hostage is unethical, I should have the freedom to send money or link my account to whomever I choose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Wolf River Development Company
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
In XX/XX/2022 I went online and apply for a payday loan and the young lady say to call her for approval so I call her and she stated that you are approved for {$1000.00} and told me how much my monthly payments are going to be which is XXXX but she never told me how many months it would be nor did I sign any documents after four months I received a balance statement saying to pay off is XXXX dollars whuch I think is too much

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for my mom in my checking account in XX/XX/XXXX. She asked me to deposit the check because she didn't have a bank account to do it herself. I agreed. However, I told her I didn't know how long it'd take to clear. ( I was anticipating that it would be clear the following business day as per the bank 's policy. ) But, that didn't happen. I unfortunately deposited the check past the allowed time frame for it to be available in ones 's account the following business ( XXXX XXXX ). Fast- forward -- I gave her back the check and told her to cash it instead if she couldn't wait for it to clear in my account. I was fine with the check being returned. My mom proceeded to cash the check and got the funds. The check had cleared unbeknownst to me the following business day. When I told her, she felt bad that she had cashed it because it had cleared in my account. After a few weeks, the check cashing place, XXXX, had called her and told her the check had been passed twice, and that she owed them the entire amount of check. My mom immediately took her next check and paid them in full. XXXX received payment and the issue was resolved in XX/XX/XXXX. Bank of America NEVER sent me any correspondence regarding the check having ANY issues whatsoever until XX/XX/XXXX. I noticed that my checking account was overdrawn by {$410.00} ( the amount of the check back in XXXX. The difference is {$9.00} because I had {$10.00} in my account before it was overdrawn ). I immediately called them and asked what happened. The lady I spoke with said that I'd have to wait for " it '' to process ... Evidently the check was charged back to my account, so she didn't make any sense. So, I asked to speak to an available supervisor. A guy name XXXX came on the phone and I began to explain the issue. He listened but also reiterated the same thing the last representative said. I told him that XXXX had gotten their money back, so that dispute was corrected promptly. ( I even offered him the number to call them himself to corroborate my story, which he didn't do ). It was a mistake, but everyone got their money, including Bank Of America. Actually, XXXX said the same thing of, " the check was passed twice ), thus my mom had to pay them back. I am upset at the fact that it took 3 months for this to even happen. Why wasn't this brought up a lot sooner, if it were a problem? I am not PAYING a single penny back to Bank Of America because I do not owe them anything. I asked if that could be removed and I was told, " no. '' I am very displeased with how I am being treated. Bank of America should do their due diligence before making such poor business decisions. I can not use my account without having to pay {$410.00}. Grossly unprofessional and sheer negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I lifted a freeze on my EXPERIAN report. I was denied credit because experian said I am deceased. 
I CAN'T get anywhere with them. They won't talk to me and just want more money to answer questions. Which they never answer. They list my credit score at XXXX. It's over 750.. 
By the way I AM NOT DEAD YET.

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 2021-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Credit bureaus are reporting late payments on my credit report that are incorrect, all 3 credit bureaus are non cooperative in getting the proper information and have not showed me any proper investigation and or reports from the creditor showing that my payment was late, I have an outstanding credit history and to to improper reporting from this creditor and the 3 credit bureaus, I am suffering financial harm which is due to the negligence of the 3 credit bureaus towards my credit score.

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 2019-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
On XX/XX/2018 I became aware that my Identity was being used to open and attain credit card accounts through the " XXXX '' service. 
On XX/XX/2018 I went to a post office explaining that I was a victim of identity theft and I needed to change my address. With I.D . in hand I handed over the appropriate address change card. 
A result of my change of address was the suspect was notified by procedure via the mail that I was changing my address. 
On XX/XX/2018 I called KOHLS/CAPONE @ XXXX and spoke to XXXX a CSR and XXXX whose in Fraud, who did give me a future contact number of a dispute line XXXX and a Fraud fax line of XXXX. 
During that call I informed them that my identity had been stolen, I did not apply for the card/account, they have a fraudulent application in my name. I gave my name and personnel information, notified of my actual address and a phone number so that I could be reached in the future. 
They confirmed the location of billing address at XXXX XXXX XXXX XXXX and the last four numbers XXXX in the contact phone number. They said they would start an investigation, though they would not provide me with any documents to assist me in my own investigation, not a receipt or copies of my application or the agreement that I'm to be held for regardless of what may be laid out in the UCC. and the investigation would take thirty to sixty days to resolve the discrepancies.. 
That call was @ XXXX for 20 min. 25 sec.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-10
Company: Unifin Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Recieved a phone call from a XXXX  area code claiming to be attempting to collect a debt for a XXXX XXXX account. When I asked how a company that no longer exists was trying to collect a debt they said that XXXX XXXX had taken over their accounts. Despite an uneasy feeling I set up a payment plan to settle the debt and was told I would receive an email confirmation of the plan. 
After not receiving the email and reaching out to XXXX XXXX I deemed the company to be illegitimate and cancelled my card. On the date of the first scheduled payment I received a follow-up call from another XXXX area code. After explaining the issues I had with the way they had done business thus far I told them I wouldn't set up another payment plan until I had received an email from their company as I had been promised. Once I received the email I found out that they are not located in XXXX. In fact, Unifin Inc. only has a XXXX XXXX in XXXX listed as an address. 
Seeing this I looked up who acquired XXXX XXXX and found out that they were purchased by XXXX/XXXX. I called XXXX XXXX  and asked if they could find any record of me and they couldn't and told me they have their own debt collectors and the number I was called from has no association with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Credit not going up

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 2019-01-05
Company: Mark A. Leachman P.C.
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX XXXX XXXX XXXX agreed that I would pay a {$1900.00} by XX/XX/2019. In return they would not contact my new employer. I told them who I worked for and paid the total amount by the due date. They still contacted my employer before the due date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-05
Company: Navient Solutions, LLC.
State: OH
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:
Navient has reported me late multiple times while i was a student and under in school deferment. They refuse to report all months most months aren't even reported and most the ones that are are wrong ... i was never late.. 
Navient also reports i had a high balance of XXXX on 3 or more loans.. meaning id have over 1 million in student loan debt for my XXXX XXXX XXXX! I actually owe XXXX total

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase.com has double charged my account and I can not reach anyone from the company. My checking account is sitting in the negative after these fraudulent charges and I cant get any answers. They are blaming XXXX and XXXX is blaming Coinbase. I just want my money back ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX has reported me late multiple times while i was a student and under in school deferment. They refuse to report all months most months aren't even reported and most the ones that are are wrong ... i was never late.. 
XXXX also reports i had a high balance of XXXX on 3 or more loans.. meaning id have over 1 million in student loan debt for my XXXX XXXX XXXX! I actually owe XXXX total

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 2019-01-05
Company: EQUIFAX, INC.
State: OH
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:
XXXX has reported me late multiple times while i was a student and under in school deferment. They refuse to report all months most months aren't even reported and most the ones that are are wrong ... i was never late.. 
XXXX also reports i had a high balance of XXXX on 3 or more loans.. meaning id have over 1 million in student loan debt for my XXXX XXXX XXXX! I actually owe XXXX total

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: CBC Companies, 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 am a victim of identity theft/fraud. I have accounts that do not belong to me. I have not in any way received goods or services from these companies and I want to report this identity fraud. An FTC report had been filed and is attach to this complaint, please help me to remove this account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: EQUIFAX, 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:
I filed for bankruptcy in XX/XX/XXXX. It was discharged in XX/XX/XXXX. XXXX XXXX is reporting delinquency in XX/XX/XXXX of more than 180 days. I have notified the mortgage company and all three credit reporting agencies and none will correct it.

Company response to consumer: Closed with explanation