BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
Company: BANK OF THE WEST
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My small business was granted a XXXX XXXX through Bank of the West. The XXXX granted partial forgiveness on the loan on XX/XX/2021 at which point the loan was converted to a Commercial Loan. 
On XX/XX/2021 I requested a payoff letter through the branch manager at Bank of the West XXXX to pay off the unforgiven portion of the loan. 
On XX/XX/2021 I went to the XXXX Bank of the West office, met with the branch manager, and paid off the loan in full using the information from the payoff letter he provided. 
In the seven months since paying off the loan I have tried repeatedly to obtain paperwork showing that the loan has been closed. I contacted the Commercial Loan department, who said I must contact the XXXX group through email. I contacted the XXXX group who indicated the loan had been converted to a Commercial Loan so they could not help me. They referred me to my Relationship Manager at my bank. I contacted the branch manager who after two months has been unable to produce documentation that the loan is closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: OK
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 told XXXX XXXX this not my card and I have told portfolio and they refuse

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I keep getting calls and letters from ERC in XXXX, FL about a XXXX XXXX XXXX XXXX account. ERC contends that I owe a debt to them, but when I followed up with XXXX XXXX XXXX to verify the " bad debt '', XXXX XXXX XXXX has no record of the account. No acct #, nor any other pertinent information that i am entitled to as a consumer to dispute. If XXXX XXXX XXXX can not verify the debt than ERC can not verify the debt, and therefore according to the FCRA they are not allowed to harass me at anytime for a " debt '' that can not be verified. I work hard to maintain my credit stature, and will not let any unlawful company threaten me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Factual or Inaccurate Errors regarding LVNV FUNDING ( Debt Buyer ) and RESURGENT/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX ( Debt Collectors ) Account reporting One Month Term. 
I have never signed nor made any terms/agreements with any of the collection agencies listed above or elsewhere. 

Account reporting as 120 days late. 
I have never opened an account with any collection agency and have never promised to pay monthly payments. 

Account is reporting as an Installment. 
No terms nor agreements were made when any of the listed or non-listed debt collectors purchased said debt from original creditor. Collection accounts are not installment accounts. 

Account reporting the debt as revolving. 
Inaccurate After multiple disputes this debt buyer has " closed account '' ( as if I had an account with them directly ) as of this month ( XX/XX/XXXX ) and marked it as a charge-off ( as if they are an original creditor instead of a debt buyer or collector ). 

- I recieved letters that were made to look as if they are lawyers ( XXXX XXXX XXXX XXXX ). 

- I have been offered debt settlements from different collectors whom LVNV has given my information to ( RESURGENTXXXX XXXX  XXXX XXXX XXXX and others ) that has caused confusion regarding said debt. 
ers ) that has caused confusion regarding said debt. 

- I have been harassed constantly since XX/XX/XXXX with hundreds of letters, emails, and calls from these companies. Yet, despite disputes will not remove inaccurate information and continue to submit inaccurate information, which has significantly harmed my credit - I have requested via Resurgent that these errors be resolved with no reply from company. 

According to my consumer rights, I have the right to have my credit reports reflect accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made a promotional purchase through XXXX XXXX with an XXXX  XXXX credit card in XX/XX/XXXX. I was suppose to have until XX/XX/XXXX to pay off the promotional purchase without paying any interest. I had made several prior promotional purchases and several after that date. After I made the purchase ( I believe it was in XXXX ), XXXX XXXX closed out their credit card department and I received a letter that the account had been moved to Synchrony Bank and they would issue me a new card but all of the terms and conditions of my purchases with XXXX  XXXX would remain the same. I continued to make over payments on my account every month from XX/XX/XXXX to XX/XX/XXXX so all of my promotional purchases would be paid off in advance to avoid interest charge. When Synchrony Bank took over my account, they failed to apply my overpayments correctly. They applied them to the newest purchases instead of the oldest purchases. When I noticed what they were doing, I called and they said they would go back and properly apply my payments. Then I was told that my promotional payment ended in XX/XX/XXXX instead of XX/XX/XXXX. In XXXX, they charged my account with {$1600.00} interest charge because they said I failed to pay off my promotional purchase in time. When I called to talk to them about it, they opened up a complaint and said that I had failed to provide them with documentation to dispute the purchase in XXXX. I never disputed the purchase, only the interest because I paid it off prior to the expiration date. When I explained this to them, they told me the interest was not a disputable charge and I owed them the money.

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 2018-08-28
Company: CAVALRY INVESTMENTS, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cavalry SPV 1, LLC, keeps sending documents saying I owe a debt to them. I dont know who these people are and why they are sending statements that arent mine. On XX/XX/2018 I sent letters to them through the XXXX Returned receipt XXXX XXXX. I requested VALIDATION. So far they can not VALIDATE this debt and send copies of statements that arent mine. They have violated FCRA, FDPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 requested a copy of the legal agreement for this account showing my signature. I also requested a copy of all related documents with my authorization and acceptance of terms and conditions. I received a response stating that the account was reported accurately but did not receive the requested documents. I tried to request the same information a second time and was denied. I was told I could only request this information once and the company verified as accurate. I submitted another request asking for an explanation from the credit agencies on how they can verify something I never approved. That request was also denied. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXXC 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

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 2017-10-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX, {$300.00} was withdrawn from our account with a debit card number to XXXX, not authorized by my husband or I. {$300.00} for a wire transfer, {$9.00} service charge. We have never used XXXX XXXX before. We immediately called Chase XXXX to report these as fraudulent. They opened a claim and put the funds back into our account after 24 hours. About a month later, the charge reappeared as a " Reversal '' in the same dollar amount. Again, we called Chase XXXX, who informed us that XXXX XXXX told them it was a legitimate charge. Debit card #, address, and my husband 's name entered as payment info. No PIN was entered. The debit card was never lost, it was in my husband 's possession, so he was not negligent by not reporting it stolen. 
The Chase fraud representative supplied me with the IP address, the name of the person the wire transfer was sent to XXXX someone out of state, incarcerated in a correctional facility ), and the email address the purchaser used, with her first and last name. Clearly a fraudulent issue. Chase said they would give us our money back, because XXXX XXXX said it was not fraud and would not pay Chase for this charge. They told me to contact XXXX XXXX, and were rude to me and would not acknowledge it was fraudulent. I asked Chase if they would return our funds if we filed a police report and the police determined it to be fraudulent upon investigation. Chase said they would not. They said even though it was illegal and fraudulent, because XXXX XXXX claimed it was not ( because they did n't want to pay Chase ), they would not reimburse us. How is this " fraud protection ''? 
My husband and I discussed and decided we would file a police report. The IP address the Chase representative provided me for the fraudulent transaction did not have periods in it, just numerical digits, so I realized I would have to call the Chase Fraud rep back and get the IP address with the periods in it so that I could provide to the police. When I called back, I was transferred several times and the rep I finally spoke with said she did n't see ANY of this information. She forwarded my request on to the allegedly correct department and we have not heard back with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account was accessed by someone on XXXX/XXXX/XXXX and they made an unauthorized transfer. When I called Chase Bank, they suspended the online access and advised me to call a separate number to change my login/password. When I called the number, I was advised that my whole account would have to be closed and a new one opened but in order to do this I would need to visit a branch. This is not possible as the closest branch to my location is 143 miles away in a different state. I 've spent over 3 hours on the phone with Chase and they have not presented any sort of solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Hello! I have had a VA mortgage with XXXX XXXX for the past several years. I had absolutely no problem with their customer service and was always on time with my payments. XXXX sent a letter in XXXX letting me know that my loan would be transferred to LoanCare as of XXXX. I work in the XXXX industry so understand this is a normal practice. 
In late XX/XX/XXXX I prepaid my XXXX property and school taxes to my county ( ~ {$7500.00} ) and called XXXX mortgage to let them know not to make the XX/XX/XXXX payment and to inquire if I could decline an escrow account going forward since I have had my loan for more than 12 months, have made timely payments, and am ~55 % LTV . The agent explained that I can decline escrow however LoanCare would begin servicing my loan on XX/XX/XXXX so it was best to wait until then to take action. 
This began a 2 week odyssey of trying to get information from LoanCare on my mortgage loan. I called XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and the computer service either gave me an odd busy signal or hung up on me while I waited on hold. I called again on XX/XX/XXXX and after waiting on hold for 15 minutes for a customer service agent, was told that LoanCare had not processed my loan into the system yet and it could take a few weeks. When I asked if I could be moved up the priority list because of my escrow questions/information i was told there is no way to do that and to call back a week later and it would probably be in the system. In the meanwhile I have been going on the website with my loan # and social security # to see if my loan is entered and everytime i try I get the error message " no records found. '' I called again today ( 1 week later ) twice and both times, after sitting on hold for 10 minutes, the computer system voice told me to enter my phone number and someone would call me back. 
This is the worst customer service I have ever experienced. There are several issues here : 1 ) I have not made a mortgage payment yet for XXXX and am not going to send the $ until I know that they have possession of my loan in the system and accurate records. 
2 ) I do not want them to make a payment on my property/school taxes due on XXXX because i have already paid. If they make the payment it 's a financial loss to me and a lot of time on my end to try to have my county refund the payment. 
3 ) I have been waiting for weeks to have my escrow account turned off, the money in the account returned, and my new payment calculated. This is $ $ $ that LoanCare is earning interest on and I am not. 
4 ) I have a right to my full loan information and 2 weeks have gone by where I can not access it.

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 2018-01-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On or about early XX/XX/XXXX, I received a notification through XXXX XXXX that one of my credit cards had been closed. When I called Citi, they told me that it had been closed due to inactivity. Usually I would receive a letter indicating the credit card will be closed if I did n't use it. They refused to reopen the account unless they did a hard pull on my credit report. As you know, this affects the consumer 's credit score. They can easily do a soft pull and see the same information as they would with the hard pull, not to mention that my account with them has been opened for 17 years, since XX/XX/XXXX and always kept it in good standing. Hard pulls affect my credit score, they acknowledged that they could do a soft pull but refused to do that. They said that I had acknowledged that my account will be closed if it was not used in over 25 months when I acknowledged the terms and conditions I have requested the terms and conditions that I acknowledged at least two times and I 'm yet to received them. 
I feel this is unfair because it affects the consumer 's credit score and they should give notice about closing accounts.

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 2018-01-16
Company: TENET HEALTHCARE CORPORATION
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: Problem with personal statement of dispute

Complaint:
I do not recognize the creditor, nor the account that is being reported. I do not owe XXXX XXXX XXXXl located at XXXX. XXXX XXXX XXXX TX XXXX. 
This has been reporting on my credit profile and ruining my credit. They are unable to provide signed contract for services and will not provide proof of identity. Please remove from credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
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: Information belongs to someone else

Complaint:
I am interested in disputing all inaccurate information on my credit report with transunion to help update my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
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 submitted a complaint to chexsystems through CFBP and the company responded that they are still working on the issue. I'm complaining that they should work quickly to remove my file and delete the erroneous information from their systems. I am complaining and noting that chexsystems should know that there is no time to resolve this issue. They could be arrested, in jail or subpoenaed within 60 days if they don't act immediately. Normally within 15 days. It is illegal to place an individual 's information in chexsystems or any other credit report file, randomly for no cause. Chexsystems deals with bounce checks and bank fees, and direct misuse of accounts, not " suspected ''. Possible alcohol and substance abuse is nationwide known factor in wrongful suspicion, along with other factors as well. Chexsystems has had XXXX  years to work on this issue and should have declined the bank 's faulty objection in 2017. They are supposed to have knowledgeable personnel who won't make these kind of errors. I am complaining about this. I am complaining that there is no more time.

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 2018-08-28
Company: Experian Information Solutions Inc.
State: OK
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:
It is impossible to close my month to month membership with experian.com. when i call, the only options through the automated system are to report fraud or to request a credit report copy. When you search through the site on how to cancel, they direct you to the membership profile page but its a read only platform that doesnt allow you to cancel or reduce your coverage as they claim you can do.

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 2022-01-10
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
. In summary, our complaint is that, XXXX days after the scheduled closing date and only XXXX days before the expiration of our Offer to Purchase -- when we would forfeit the Due Diligence and Earnest monies amounting to {$13000.00} -- the Wells Fargo loan officer made wild and unfounded claims about the property only XXXX days before the expiration of the OTP ( that the house was dangerous, uninhabitable and ready to cave in ) and, on the basis of those claims, insisted, for the first time, that the mortgage would not be provided until foundation repairs would be carried out PRIOR to closing. This put us in an impossible position as the sellers would not agree to carry out the repairs ( the OTP specified as is ) and they also would not agree to an extension of the contract giving us sufficient time to seek a loan from another institution. At the time, Wells Fargo knew that we had contracted an expert company to repair the foundation ( costing over {$13000.00} ) which was to be carried out on XXXX XXXX. Obviously, we could not carry out the repair if ownership was not first transferred to us and, even if we could, we could not be sure that it would be sufficient ( the loan officer had also complained for the first time about the roof, the kitchen cabinet, the deck, the windows and the lack of carpeting in the bedroom, all of which we were going to replace after the closing ). As a result, we suffered the loss of our due diligence and earnest monies and were subjected to significant stress which has taken a toll on my health ( I am XXXX XXXX XXXX ). As described below, we first sought to complain to Wells Fargo, first to have the loan officers decision reviewed before closing and then, failing that, to corporate headquarters about the arbitrary and unprofessional treatment we received that resulted in our significant loss. Unfortunately, as communicated to us on XX/XX/2022, Wells Fargo will not recognize any error on their part, despite that it is so blatantly obvious and indefensible.

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 2018-01-16
Company: Experian Information Solutions 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:
XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT FILES IVE CONTACTED THEM AND THE CREDIT BUREAUS NOTIFYING THEM OF THE FRAUD. POLICE REPORT IS ATTACHED SHOWING THE FRAUD.

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