BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-07
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX Hyundai motor credit repossessed my car I had called them numerous times they had told me every time on the phone that my loan was closed and paid and I did not have a loan with Hyundai motor credit it was reported on all three of my credit reports that my loan was paid and closed try to call them about 20 times to find out how much I owe them and how to get my car back every time I call them they put me on hold and then hung up on me I never did get my personal possessions back cuz no one could tell me where my car was or how much I owed on it I got a letter saying they repossessed my car but would not give me how much I owe or when it would be sold and how much to get it back. Then I got a letter saying I owe them {$16000.00} and after they would sell my car I would owe them {$9000.00} and something it is no way I owe them {$16000.00} I've had my loan since XXXX and it was a XXXX XXXX I bought this car was illegally repossessedI am also writing the Federal trade commission and the attorney general of Floridawith copies of my credit report showing that closed my account in XX/XX/XXXX saying paid in full current I have enclosed a copy of my XX/XX/XXXX credit report showing that this account was closed and current and paid can provide copies of the other showing the same thing if needed

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 2020-05-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I filed a claim with Chase bank on XX/XX/2020 because XXXX took my money and closed their doors and the posted on their website to contact your bank for refunds. So I contacted Chase bank. I received a provisional credit for some of my XXXX   transactions but, not all. on XX/XX/2020. I called and spoke to someone name XXXX in the claims department she told me that it was out of the 60 day retrieval of the fraud on my statement. I explained to her that this was not fraud. but, due to covid -19 the  vacation was cancelled. On XX/XX/XXXX XXXX the transactions for XXXX and XXXX was reversed and placed back on my account with out any notice. I emailed Chase and again the claims department said I it was out of the 60 day. I advised Chase this claim was for services not rendered to me. 
Chase then told me that even though those charges was out of the 60 days. the charges for XXXX and XXXX that Chase took responsibility. I advised them that they didn't take responsibility because they place those charges back on my account and that made my account go in the negative. So I refiles again and I still didn't get credit for those charges even after that wrote that chase took responsibility of the listed charges. XXXX and XXXX. I have all my documents that were sent to Chase concerning the claim about the XXXX  claims. I filed a police report, Florida attorney general complaint, XXXX  complaint. against XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-07
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IC Systems - XXXX XXXX XXXX XXXX  account was not opened by me. was removed and then replaced back on my report. that's illegal. please remove. 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 2022-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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/XXXX multiple fraudulent transactions using cashapp and my debit card from Bank of America was done on my checking account resulting in the amount of {$3400.00}. BOA has since denied my claim and locked my account. I have escalated this matter twice and resulted in a determination being done within XX/XX/XXXX minutes of the claim being updated. I tracked progress and requested multiple updates to which none where to avail. I was forced to take time out of my day from work to go to local branch/financial center just to call to get an update. Im now homeless and out of a job due to this matter. I will be seeking legal action against BOA in regards to lose wages, emotional distress and 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 2019-02-13
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
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:
Considering Bayview Loan Servicing has a reputation of not working with clients, I have decided to submit this complaint although I have emailed their customer service about the erroneous information on my credit report but no answer is yet received.

I found that the BayView mortgage-loan info from my credit report shows the missed payment for XX/XX/2018. This information is incorrect and it has been affecting my credit report unfairly. 

The payment in XXXX was made on the XXXX. Although not being held against me, there is also erroneous information related to the payments made in XXXX, XXXX, and XXXX. I am attaching a snap of my credit report with BAyview errors reflected as well as print-screens of all my payments to Bayview from last year so you can check when the debt was taken from my XXXX account. My records prove that I DID NOT make any late payment last year, all payments were granted before the XXXX of each month as Bayview regulates. 

Thanking you in advance for your kind help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: ERC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC sent a letter saying I owe XXXX {$3600.00} and that the debt can be settled by paying {$2700.00}. They seem to suggest going to XXXX or XXXX and arranging a cash payment. No specific individual is mentioned in the letter nor am I able to know where the original debt is from. I received no, original statements from either one of these companies. 
I have had no business with XXXX since we began using cable for our phone service our and XXXX for cell phone service and never carried any debt with any one. I feel that I am being scammed and want to end this harassment right away. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
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:
Experian has on page 11 of 14 XXXX XXXX XXXX XXXX XXXX has this address as business and its a Resident address not a business it shows residential on XXXX and is showing with the Us post office as resident. Experian needs to provide proof of there error as business error after error.

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 2021-02-08
Company: Rocket Mortgage, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was attempting a refinance with Rocket Mortgage since XX/XX/XXXX. 
They assured me that the loan would be no problem. 
The loan was ready to close in XX/XX/XXXX. 
I called to ask a question. 
A mortgage officer ordered another payoff. 
This triggered a re verification of employment and a new loan subordination. 
Rocket Mortgage would not take my calls, emails, or get on the phone with the second party on my mortgage. I got a major run around. 
I ended up going to a local bank who will close in about 5 days. 
Worst customer service EVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: American Collections Enterprise, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX - Received a short ring then an immediate voicemail from XXXX ( XXXX XXXX XXXX. 
The voicemail made a mention of a debt collection so i immediately attempted to call back and find out what occurred. I believe the company identified theirselves as XXXX. I called and said i was seeking to find out what is going on, and was immediately directed to provided my social security number. I refused since i had not been given any information about the debt, nor had any idea who or what i could possibly owe for since we pay all of our debts. The person on the phone refused to provide information and said she needed my information to tell me about the debt, i said that's ok, but i am not going to give any of my personal information without more context. I did confirm who i was by name, and they lady as an alternative said i could confirm my month and year of birth, which i agreed to do. From that point the person on the phone was HIGHLY confrontational, and disrespectful. She went on to say i owed XXXX to XXXX XXXX  XXXX  from XX/XX/XXXX, and wanted my card information. I told the person that i've lived in the state of Georgia since XXXX, and had not been to nor been seen by anyone with XXXX XXXX, nor has any of my family. She said that they could not provide me anymore information and since i declared that the bill wasn't me, and she demanded that i provide her a fax with a written complaint. I explained again that i am not going to give anyone anything without information about the bill. The person continued to be rude and hung up on me. I then followed up with XXXX XXXX XXXX XXXXXXXX XXXX to attempt and identify if this was a legitimate store. I talked to two people associated to the healthcare service, and neither person could identify an outstanding bill or any balance owed. I'd like assistance from CFPB in resolving this matter, or identifying 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 2020-06-29
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX They have been asked and reported not to call this number several times and have been reported in the last year to you all as well. The calls have stopped then returned this year.

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 2019-09-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Today, I was at work when I got a phone call from a restricted number. The person left me a voicemail saying they are XXXX XXXX from XXXX serving me with legal court and criminal court documents tomorrow between XXXX and XXXX. I call the number they left on my voicemail and a guy by the name of XXXX told me I'm being sued by Fifth Third Bank. I have never had an account with that bank and have no knowledge or notice of being placed into collections by that bank. XXXX threatened me over the phone saying this will turn in to a warrant for my arrest and they are coming for me tomorrow. This has to be an act of fraud because I have never opened up a bank account with that bank however XXXX had all my information like my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Franklin Collection Service, Inc.
State: TX
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:
I notice a new collection on my credit report that I have not received validation for. Please provide me with a contract or instrument bearing my signature that says I am responsible for a debt with your company. I do not want anything sent in the mail. I prefer everything to be submitted and uploaded via the CFPB portal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was using a Citibank or Citicards credit card, Citi DiamXXXX Preferred Card for my New York XXXX XXXX membership ( the club has been closed due to the Carona Virus lockdown since XX/XX/2020 ) and the monthly fee for my passport membership was {$54.00}. New York XXXX continued to charge in spite of their clubs closing and I called Citicards repeatedly to dispute the charge. The first time I called was XX/XX/2020. I was told by Citicards that they would look into the dispute and credit my account for the amount of {$54.00}. That never happened. Instead for the charge ( which I had disputed ) due XX/XX/2020 they added a late fee and began calling me leaving messages to collect a debt. I went in and spoke with a bank XXXX at Citibank XXXX XXXX ( that's XXXX NY on XXXX XXXX, XXXX XXXX who spoke with Citicards on my behalf. He said he was able to get the dispute reinstated and get rid of the late charge and that he was then closing the account. He asked me if I wanted him to shred the card and I said yes. He shredded it. He told me he was ordering new cards be sent to me. But Citicards continued calling and sending mail to " collect the debt ''. There was never any communication to me by Citibank about the dispute I had opened. I called Citicards yet again on or about XX/XX/XXXX. They assured me that the first person I had spoken with there didn't follow the proper steps to open a dispute and that the calls and e-mails would eventually stop. On that call Citicards also agreed to open up a dispute about the next charge by NY XXXX XXXX which was due on XX/XX/XXXX. Citicards continues to call and send e-mail about the debt daily with no communication with me regarding either of the disputes I've opened up, or at least the disputes which Citicards has told me on the phone that they've opened 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 non-monetary relief
Consumer complaint received 2017-12-04
Company: United PanAm Financial Corp.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I received a loan in the amount of XXXX, term 4 years, my payments monthly are XXXX, at the end of my loan I will have paid XXXX. I would like this investigated please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX my debit card declined due to insufficient funds. When I check my account I noticed a levy from California franchise tax board ( FTB ) on Monday XX/XX/XXXX I called the FTB and resolved the issue. At around XXXX the person from FTB said they would fax the release to Citibank and I should follow up in a couple of hours. 
When I did Citibank claimed they had no records of the release being sent to them. 
I called the FTB again around XXXX on XX/XX/XXXX and after another hour on hold the representative from FTB faxed the release again to Citibank and upon my request age also sent me a copy of the release. 
When I follow up with Citibank they would either hang up or route me to the wring extension. When I did get a banker on the phone I was told of would take 24hrs, someone else said 48hrs and today I was told 36hrs.

It's been over 48 hrs I still don't have access to my funds even though the lien release was sent over to Citibank well over 48hrs ago. 
On XX/XX/XXXX I walked into a local branch emailed the branch manager the documents I received via fax from FTB but that resulting in nothing. 

I currently do not have access to the funds in my account. I can't purchase gas, food or any other necessities Citibank refuses to release my funds or provide any information about who I need to contact of when the funds Will be available. They are holding on to my funds illegally

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 2020-01-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2020 I received an alert from Equifax indicating there was a hard inquiry into my account. When I looked on my report I noticed 2 hard inquiries made on XX/XX/2020 and XX/XX/2020. One from from a bank for a personal loan and the other was a credit card application from a jeweler. Neither of which belonged to me. 

Out of fear of someone trying to steal my identity I called them to freeze my account. I spoke to numerous agents whom clearly did not speak XXXX well and when I asked to speak to a manager because they refuse to freeze my account, they hung up on me because they did not want to have me speak to their manager. They informed me I would have to make the request via snail mail and include my social security number and a copy of my drivers license. I told them this was absurd because if the document was intercepted in the mail - all my personal information was at risk. I spent hours on the phone trying to get someone - anyone to help me yet to no avail. 

Incidentally, I had no problem freezing my credit report through XXXX  and XXXX. So, with Equifax refusing to freeze my account, someone is out there applying for credit in my name and only a matter of time before an account is opened. Equifax clearly has no problem running my credit for a hard inquiry with clearly minimal information, yet after I passed all the security measures on the phone continued to tell me I had to send in my documents to freeze my account. 

They continue to put consumers at risk. Please help me to get them to freeze my credit so I can preserve my identity from further misuse. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Back on XX/XX/XXXX citi bank allowed my account to be hacked and the email information as changed. When this was done the individual that hacked my account then enrolled my account in the wire transfer service and proceeded to transfer {$800.00} out of my checking 's and then another {$900.00} from my savings. I called Citi bank immediately and they advised that i had to do an affidavit in the branch and have it sent over to the investigative team. I did an affidavit for both account with a branch manager at their location near XXXX XXXX  off XXXX  and XXXX XXXX. She sent in the information and convinced me that opening a new account with them while the account was being investigated was my best bet in getting my money back sooner. I was told that the investigation would take 60 days. I got s letter then stating that the investigation was closed because I had never sent in the required affidavit which i watched her fax. So I went into another branch on XX/XX/XXXX and re opened and submitted the documents for both events. On XX/XX/XXXX I received a credit for the {$800.00} that was stolen from the checking 's but the {$900.00} from the saving 's is still in limbo. So i called the bank again and spoke to another rep and they stated that they saw that the information was identical to the one i was awarded and that he would re open it to have the funds reversed. And now today XX/XX/XXXX I a still waiting on a response from citi bank for an incident they told me should take no more than 60 days. I tried to get detailed notes from the rep that was helping me and she advised me she can only give me a first name. I asked for an employee ID and she stated she didnt have one. It wasn't until i stated that i needed detailed information for an attorney she found an employee ID. Its crazy that i took someone less than 10 minutes to steal from me but it has taken citi 17 months and counting to get the funds replaced

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I called Bank of America to freeze my card, basically from any use during the covid crisis. Im XXXX XXXX  and want to incur no debt on this card. To keep myself from using it, most importantly, but also to prevent anyone else from using it. 
They told me they dont have a freeze policy. I told them my other credit card companies have agreed to my request. I dont want to close the account due to negative effect on my credit score. 
They said Id be protected against fraudulent use by anyone, but Im More concerned with an auto renew charge that occurs only every year or maybe two. Like computer firewall protection, or domaine name renewal. 
My only option, from BofA, Is to tear up my card, which doesnt stop unknowing activity, then get a new card when Im ready. 
I feel cornered and unprotected against them gathering charges that Im trying to prevent. 
Do I have any options?

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