BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A company, XXXX XXXX XXXX XXXX at XXXX called repeatedly on and around XX/XX/XXXX stating that I owe past overdraft amounts from XXXX on a closed Wells Fargo bank account. They said that if I didn't sign an agreement to pay immediately ( {$420.00} ) and give my bank account information that they would serve me with a lawsuit. I asked for a written confirmation of the debt and they said they didn't have to give it to me and could take criminal and legal action immediately if I didn't sign. 

I gave them my bank account information and signed an agreement to pay without realizing that my rights were being violated. 

Since then, I have called the company and left 3 messages ( they do not answer the given phone number ). I searched for the company 's website and could not find it. There is no address on the written agreement to pay, and so I am unable to write to the agency. I reported possible fraud to my bank and they froze my debit card to avoid withdrawals. I checked my credit report from all three agencies and no past due or collection accounts have been reported. 

The company has also left voice mail messages for my mother saying that I had been " served '' with a lawsuit and that they would take legal action against her, as well. 

Please help stop this violation of consumer rights. 

Sincerely, 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 2018-03-26
Company: DISCOVER BANK
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 XXXX Sunday my vehicle was stolen from my house with my wallet inside. My Chase debit card was used without my permission or knowledge at a nearby XXXX. I filed a police report with the XXXX PD and was informed that video surveillance was captured of an individual who was not me using my debit card. I received a couple text messages from Chase alerting me of the fraudulent card uses. I cancelled the debit card and had a new on issued. After Chase 's supposed investigation Chase determined these charges to be accurate and are not going to refund my money. Chase 's fraud protection program is false advertisement at best.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-05
Company: Prizm Financial Company, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Every month I try to actively communicate with my Prizm Financial. Every month I am threaten with the automobile being reposed. I would love to continue communication with out the threats of repossession. I am 1 month behind I a received a threating email over the week that if I don't respond to the email by the of the day on Monday my car will go to the final stages of taking the car back. I have rights. I have a right not to be stressed monthly. I understand what I have signed up for. The last 2 years have been very hard however, when I can pay I will pay. I will communicate and do communicate but this form of harassment is very uncomfortable and I wish it would stop. I get emails from many, many, many people in the company and I would like to only communicate with one.

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 2018-03-18
Company: CITIBANK, N.A.
State: OR
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 bought used chiropractic equipment from an office overseas, that I was previously employed by. 
Seller required ( per our PnS ) full payment wired ahead in order for me to take possession of the equipment, which was done on or about XX/XX/XXXX. 
While on location - On XX/XX/XXXX or XX/XX/XXXX the Seller persuaded me to buy the business and keep it running. I agreed, and gave credit card authorization for {$8100.00} to handle extraneous " service charges '' required by the landlord. 
The following day, ( XX/XX/XXXX ) I cancelled the purchase of the business. I sent my reasons why and requested refund. I also Called CITI and was Assured since I received no product or service I had nothing to be concerned about. I received no cleaning service or product for that {$8100.00}. 
The seller, found another business to fill his office vacancy. 
I have a PnS agreement ( attached ) for the equipment, In section 5 under DELIVERY- it clearly states that the " buyer ( me ) is responsible for moving and transporting the equipment and all related charges. 
I have no such paper work for the {$8100.00} and the seller claims ( after the fact ) that the money was used in some fashion for packing and shipping the equipment, Which is simply not true - I have receipts showing separate payment for those services by others. The seller has no right to this money. And although CITI Bank was in agreement initially, they now claim that the case is closed. 
Very frustrating they'd align with the seller.

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 2019-05-05
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
would like credit inquires or hard pulls removed from my credit report. It tremendously effects my credit score. 
Chase XXXX Applied on XX/XX/2018 XXXX DE XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX   XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX XXXX XXXX XXXX   XXXX XXXX MN XXXX XXXX Rise XXXX XXXX XXXX TC XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
We were in the process of selling our home. I was in contact with the company due to the fact that we were having trouble obtaining a payoff. I informed the company that we were selling the home, I called and notified the company. I was told it was noted in the account. The closing attorney requested the payoff at the end of XXXX and because he did not get a response, I had to call and finally received a payoff. We closed on the home on XX/XX/2018 and the mortgage was paid off on XX/XX/2018. Regardless of my communication our credit report was hit. I am under the understanding that this will be on my credit report for 3 years. I want it fixed. I was in communication with the Mortgage Company. 
I did my part, it is out of my control when the check is sent to pay the mortgage, and the fact that the mortgage company did not provide us with the payoff. I notified them that we were closing on the home, and I do not feel I should be hit on my credit report because they were not able to honor my efforts. I explained that the reason for selling the home is that I did not have the money for the mortgage, thus why the issue. Also, they filed for foreclosure on the XXXX home. I received paperwork. We never missed a payment, we may have been late but made the payment within the month. I told them we were selling the home. How in the XXXX does that make sense?

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 2017-11-20
Company: CAVALRY INVESTMENTS, LLC
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:
Sent out first letter certified read receipt asking for validation of debt. The letter was signed for XX/XX/XXXX, no response. Second letter certified read receipt signed for XX/XX/XXXX, still no response. Disputed with Credit Bureau on XX/XX/XXXX, still no response but it is being reported on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: LD Holdings Group, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In early XX/XX/2021, I paid home appraisal fee to Loan Depot and received loan estimations on XX/XX/XXXX and XX/XX/XXXX with total service cost ( A + B +C ) {$3300.00} and {$3400.00}, respectively. Loan Depot did not close the case without any reason. On XX/XX/2021, Loan Depot sent me another loan estimation with total service cost {$4300.00}. On XX/XX/2021. Loan depot sent me final loan estimation with total service cost {$5200.00}. Loan Depot increased total service fee {$1800.00} without any reason. 
Although I submitted all of required documents at least 7 days before due days, Loan Depot never kept their promise and raised service fee 4 times. 
Due to Loan Depot 's illegal behavior, I decided to apply loan from another company ( XXXX XXXX XXXX ). On XX/XX/2021, XXXX  XXXX XXXX  asked Loan Depot to transfer my home appraisal report ( I have paid fee ). XXXX XXXX XXXX and I have emailed this request 4 times and 3 times, respectively. After 21 days, Loan Depot still did not transfer the report. On XX/XX/2021, Loan Depot manager XXXX XXXX emailed that he had asked Transfers to do the task and would need 3 days. After 15 days of XXXX ' promise, Loan Depot did not fulfill the task. 
I have attached 4 Loan Depot Loan estimation with service fees {$3300.00}, {$3400.00}, {$4300.00}, {$5200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
would like credit inquires or hard pulls removed from my credit report. It tremendously effects my credit score. 

Applied on XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX Capital one XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX/ XXXX   XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX , ND XXXX XXXX XXXX XXXX XXXX , MN XXXX XXXX XXXX XXXX XXXX , TC XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX , CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: EQUIFAX, INC.
State: GA
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:
Someone has been using my identity to receive medical treatment. There are 3 separate instances of these incidents that occurred in all 3 credit bureaus. I have contacted the credit bureaus in the past regarding these accounts. The accounts still remain. I have also filed a complaint with the FTC website in addition to the companies involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01
Company: SYNCHRONY FINANCIAL
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:
Synchrony/TJ Maxx lied to me when they upgraded my store credit card to the Mastercard version back in XXXX by telling me that my payment, account history and opening date would transfer from the store card to the new account. That was not the case since the old account was still open and the new one was showing an opening date of XX/XX/2020 and not reflecting an updated balance. I called them on the XXXX to rectify this situation and the person I spoke with assured me the old account will be updated as closed and all my account history including account opening date will be transferred to the MasterCard account and my balance updated, and that I will receive a letter explaining this as well. I called again on the XXXX to confirm what the first person said, and I was told that was the case. Then today XX/XX/XXXX1st I checked my credit report and the old account is now showing as closed but the new account is having the updated balance but none of the account history from the old account was transferred to the Mastercard account. I called again and requested a manager. I spoke with " XXXX '' who was apologetic about the misinformation but she said what the other two people informed was incorrect. That once you accept the upgrade it is a brand new account and no account history will be transferred to it. That was not informed to me at any point and the two agents I spoke with provided me misinformation. I then asked " XXXX '' to please revert to my old account and close the Mastercard and she said that is not possible. Basically I was lied twice and they could not care less.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: BAM Management US Holdings Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My name is XXXX XXXX and I've tried to fund my Binance US account ( XXXX ) with two separate wires - the first wire of {$200000.00} was sent out on XX/XX/XXXX and is currently being held by Binance US without allocation to my account ; the second wire of {$470000.00} was sent out XX/XX/XXXX and has been either misplaced or misappropriated on their end. I have all wire transaction number and confirmations to prove that the initiating financial institutions successfully completed sending the wires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: HYUNDAI CAPITAL AMERICA
State: NC
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:
The loan was paid off on XX/XX/2021. The company was overpaid by by {$31.00} ( refunded ). The company also received another over payment ( GAP Insurance Refund ) in the amount of {$990.00}. I have been told numerous times that this amount was already refunded and mailed. I called multiple times requesting updates, but each time I get the run around and a different answer. The check was mailed to an old address from a previous account that has been inactive for 3+ years. All requests and address verifications were for the XXXX Street address. This also brings up security issues. I believe this was retaliatory behavior. The company was not happy about the previous XXXX complaint it CFPB complaint ( XXXX ). This money is very important to help cover my monthly expenses due to a financial setback due to COVID-19. This company is incredibly reckless and should expedite this refund. As a consumer, I should not have to be penalized for their mistakes.

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 2017-11-21
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This insurance company cancelled my insurance, so i switched to another one, so i will not pay this debt!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
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 disputed the inquiries on my Chex Systems consumer report over 90days ago. The report still does not show a statement that I disputed these items by the consumer. Since this report does not have that missing statement it must be deleted. Also the report states that all inquiries will be reviewed from 90days to 3yrs. The report does not show what inquiries will stay for 90days or what inquiries will stay for 3yrs. With this confusing statement again all inquiries must be deleted.

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 2021-02-20
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Pnc bank mortgage account XXXX closing was on XXXX. Amount is {$110000.00}. On XXXX {$950.00} was entered into my pnc bank account - checking without explanation but close to amount that was to be distributed to me. 
The complaint is that no accounting was sent to me and most importantly the funds have not been paid by pnc to previous mortgagee and no funds have been paid on 3 credit card accounts as was scheduled. Interest charges keep accruing. 
Pnc loan processing has failed to distribute funds. Also, there seems to be no loan processing communication with pnc mortgage dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

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 2019-05-05
Company: EQUIFAX, INC.
State: CT
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:
On XX/XX/XXXX someone took out a personal loan in my name in the amount of XXXX i noticed this on my credit report around XX/XX/XXXX and sent a letter with my FTC report asking the credit company to either block or remove the fraudulent account because it is affecting me from receiving credit. the company has refused to remove or block the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Harvard Collection as place a collection account on my credit report even though I've never been in any business with them. ask for verification of account but hasn't gotten any.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: U.S. BANCORP
State: GA
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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 2019-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XX/XX/XXXX someone took out a personal loan in my name in the amount of XXXX i noticed this on my credit report around XX/XX/XXXX and sent a letter with my FTC report asking the credit company to either block or remove the fraudulent account because it is affecting me from receiving credit. the company has refused to remove or block the account from my credit report.

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