BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-24
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/2019 I leased a car from XXXX XXXX of XXXX ( XXXX ) ( XXXX ) XXXX, my salesman is called XXXX. I advised XXXX I would be moving to XXXX. He said no problem and I was approved by Mercedes Benz Financial Service ( MBFS ). I arrived in XXXX XXXX, XXXX on XX/XX/2019 and made an appointment with XXXX DMV. I was denied getting my registration. XXXX DMV advised I needed Power of Attorney ( POA ) from XXXX, an Odometer reading, and the title. I called XXXX & they advised me their Title Dept. lost my paperwork. 2 days later I got a ton of paperwork from XXXX with stickers that read " Sign Here '' and return to XXXX and they will send to XXXX DMV. I later went back to XXXX DMV who advised the paperwork sent to the from XXXX did not any signatures except for mine. No one from XXXX called me back the rest of XXXX. In XXXX, I was advised all paperwork was again sent from XXXX to XXXX DMA. On JXX/XX/2019, XXXX DMV advised the lessor had changed from MBFS to XXXX XXXX and they still haven't obtained a title or odometer reading. I have been calling non-stop to the dealer as XXXX DMV advised my car can not be driven until this is rectified. No one from Mercedes has fixed this issue and are now saying it will take 6 months or more to obtain the title. Thus, I can not register my car. I paid to have the car registered in XXXX, XXXX re-registered my car XXXX in XXXX  and not I have to start the entire process over. They are in breech of contract as they sold me a car with the notion I'd be registering the car in XXXX, but they can not provide significant documentation to allow me to drive the car. The intention on buying the car is to drive it. However Mercedes Benz can not  give me the documents I need nor did anyone tell me it would take 6 months to register the car in XXXX. Further, I ca n't drive the car if they have lost the title. I have been taking an XXXX to and from work due to their inability to prove originally stated paperwork to sell / lease the car to be based on the lease agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are stating that I was late when in fact I wasn't..Please delete this negative information reporting on XXXX/XXXX XXXX****, 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 2019-10-09
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After sending in 2 letters to collector to validate debt they have not been able to provide any validation / written contract with my signature. All i am getting is phone calls and letters that don't address my Validation letter pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. I have also received a letter saying they may sue me. I am a single father and this has made a major negative impact on my credit score which intern is hurting my chance to have enough credit to help pay for my sons needs and getting a much needed home. I have also been victim to XXXX breach and my personal information is being used in the dark web. 

Thank you for your help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan was transferred to Nelnet. I was not notified. Upon looking a bank statements I realized my auto pay was not being taken out. I contacted the original loan holder who said my loan was transferred. I have never been late on a payment. I contacted Nelnet and they said my payment was late and they would waive my late fee. They asked if I wanted to set up auto pay and I agreed. I just called them to find out why the withdrawal never came out of my account and they told me I didnt follow the email. They never told me about an email. They took the one payment without an issue. I explained to the manager XXXX   from XXXX, Nebraska who informed me that even if she listened to the recording of my first call when I set up a payment and auto pay, and found that I wasnt informed on how to set up auto pay I would still not get my late fee back even if I wasnt told about the process when I was under the impression that it was set up considering I had given them all my banking information checking number and routing. So even if they were wrong in conveying the steps I was still paying a late fee. I have never been late on a payment before having to deal with Nelnet

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea who Credit Management is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Credit Management is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have sent a request to Credit Management and demanded a CERTIFICATE OF ASSESSMENT and other information, but they have chosen not to reply. I sent a request to Credit Management via certified mail XXXX XXXX XXXX XXXX XXXX. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Credit Management as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ Credit Management } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to Credit Management, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency XXXX CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Friday, XX/XX/2020 I used my mobile banking app with Wells Fargo to deposit a check for {$1400.00}. This was my normal depositing behavior while working for my old company. Over a month later XX/XX/2020, the exact amount of {$1400.00} was missing from my account leaving me with a negative balance. Upon noticing the error, I called up Wells Fargo and tried to connect with a customer service agent to figure out what is going on. By this time, I am no longer working for the company the original check was issued from and I am now working 5-6 hours away from that area. After a few days, calls and even trips to a local branch I was told that my claim was sent to investigations and that I would be updated personally as soon as possible. Days go by once again before I take the imitative to call once more and connect with the investigation department who informed me that my claim was closed and a letter would be sent out stating that there was a duplicate item from another bank and that I could not be helped. Days pass by with more calls in-between but due to the case being closed no one was able to escalate or work on the matter. The letter I was dated XX/XX/2020, and stated that on XX/XX/2020, I made an electronic deposited of {$1400.00} through mobile remote deposit. That information is completely true and was my usual order of business. The letter continued to say that the same item was deposited a second time through another channel and as a result on XX/XX/2020, they deducted {$1400.00} from my checking account. 
Their letter does not prove or even go into more detail as to where and when the duplicate item was withdrawn from. 
The letter ends with a Reference # : XXXX Confused by the open and closed case with what seems like no investigation nor facts I called the Bank back and used the reference number and was told eventually told the duplicate transaction was from a Federal Reserve Bank, a bank I have never used nor think I can use. This confused me and left me helpless as Wells Fargo would no longer assist me with this error and kept referencing the closed case, a case mind you that was open and shut with what looks like no real information. 
The company was no help even though I tried repeatedly to work and assist them with anything they needed to complete the recovery of my fund to my account that they wrongfully withdrew because they gave someone else money in a bank that I never visited, in a city that I was no longer in from a company I was no longer working for.

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 2020-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America absolutely lied. They used XXXX XXXX to allegedly resolve this issue. 
a man by the name of XXXX XXXX reached out to me. 
I have responded to him and left voicemails and he never called me back. 
Bank of America responded with the lies claiming that they could not get in contact with me. 
I will attach emails from me and XXXX XXXX proving that they did get in contact with me and we had communication. 

Bank of America never addressed the fact that they continue to report to early warning that the status of my account is UNPAID, despite them reporting to check system that the status is settled. 

that is illegal and they are breaking the law under the Fair Credit Reporting Act. Bank of America 's response to my complaints included attachments showing that they couldn't process the transaction, which would prove that my account could not be UNPAID. 
I will also include these documents that Bank of America submitted in response to my email to cfpb complaint.

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 2021-10-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have attempted to get Wells Fargo to stop accepting any payments when my account is low about four times now. I regularly run low on cash, and when this happens I would expect payments that are attempted to be denied by my bank. I have spoken to support services no less than four times since XXXX and each time I have had overdrafts reversed and been told that my account will no longer overdraft if I do not have the funds. 

Each time, though, payments are held in processing until I am low, and then the most expensive payments tend to not clear until several days following the purchase, and I will overdraft. Ive even noticed that sometimes payments that cleared will go back into processing once i get low, causing me to incur overdraft fees even though i had more than enough money at the time the purchase was actually made. I have lost hundreds of dollars to this, and my requests for my account to simply not process payments if I dont have the funds has been ignored each time. I know that other banks do this, so Im not sure why Wells Fargo can not. 

Attached is an example of a payment changing status days later. I paid for a ticket on the XXXX, and on that same day the payment appeared on my statement ( I didnt screenshot this as I wasnt expecting anything to change ) Now, however, the same payment shows up as XX/XX/XXXX, which means it will more than likely cost me {$35.00} for an overdraft fee even though I had more than enough in my account to cover it on the day of the actual payment.

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 2020-04-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My office network was victimized by ransomware. My Citizen banking access credential were potentially compromised in the hack. I needed to change my online banking password with Citizen bank. I tried the website. It did not work due to a bank website errors. I tried this with a local bank agent on the phone with me. We tried all options and none worked. She finally told me she could not help me. She was very nice, professional and did her best to resolve my problem. It was not her. It was the bank website and the setup. I called Citizen Bank online banking phone number. I was on hold for one hour, then The on hold voice told me to call back later. I tried this again and same thing happened. 

To make the long story short, I am not able to change my online banking password to protect my accounts from the hackers. This is strictly due to the bank and nothing to with me. 

I need help before my money disappears. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Recently Enhanced Recovery Company , LLC responded to CFPB compliant number XXXX, filed XX/XX/XXXX. Equally important  XXXX  responded to CFPB complaint number XXXX filed XX/XX/XXXX ; Enhanced Recovery Company , LLC ( ERC ) is a third-party debt collector for clients in telecommunications, utilities, banks, and student loan industries. ERC was founded in XXXX and was previously known as Enhanced Recovery Corp. ERC is headquartered in XXXX XXXX Florida XXXX Since XXXX, the Consumer Financial Protection Bureau ( CFPB ), a Government agency responsible for protecting consumers from unfair, deceptive, and abusive debt collection practices, has received 6,229 complaints against ERC, according to data provided by XXXX XXXX XXXX XXXX XXXX. Unquestionably, this company has integrity issues ; previously in the response letter from ERC dated XX/XX/XXXX XXXX XXXX XXXX the company stated the following Our client, XXXX, placed a delinquent account in the amount of {$170.00} with our office for collection on XX/XX/XXXX. Please note our agency is not a debt purchaser. Our client maintains ownership of their account ; therefore, we service the account on their behalf. Please be advised that on XX/XX/XXXX a payment was remitted on Mr. XXXX account updating the account balance to XXXX. As of XX/XX/XXXX, Mr. XXXX account was closed as paid in full. Therefore, on XX/XX/XXXX, ERC sent an update to the credit reporting agencies to reflect the account as paid in full. As a data furnisher, we are required to report the true and accurate status of the account. A deletion of the trade line would not be the true and accurate status of the account. By comparison, Response letter dated XX/XX/XXXX XXXX XXXX ) stated ERC submitted a request for the account to be deleted from all credit reporting agencies. On the whole, I want nothing to do with this organization and seek that all associated tradelines be deleted from all credit reporting agencies { I.E. XXXX } or Ill have my attorney prepare to file a lawsuit. Ive attached both correspondence letters at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had two cards with XXXX XXXX Bank. Both of them had limits in the area of 800 dollars. I used them very infrequently if at all as the interest rate was high for charge usage. In early 2019 I noticed a charge on both cards for annual membership which I did not agree to. I immediately contacted the company to cancel both cards. I was eventually transferred to customer relations or customer retention. The rep said if I kept the cards open I would not be charged annual membership fee. I have not used the cards but one bill showed up with the dreaded membership fee AND a late charge. I then received a phone call as to how I could get in the good graces of this rip off company. I again cancelled both cards and they reported me as a 30 day late.

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 2020-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Dear Consumer Financial Protection Bureau, I was a victim of ID theft back in XX/XX/2019 XXXX see attached Police report and credit alerts ). I went through great lengths to have remove multiple fraudulent hard credit inquires removed from my credit report. My line of work requires accurate credit report and I deeply value it to be accurate. 

Attached is my call log, letter to creditor, and documentation from XXXX on the number of calls I made. A consumer should never have to go through great lengths to get a fraudulent activity removed from their credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29
Company: ENCORE CAPITAL GROUP INC.
State: TX
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 contacted Midland Funding, XXXX, XXXX, and XXXX   several times. I have sent multiple letters and made multiple phone calls. The account with Midland Funding is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. XXXX, XXXX, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Sent out a packet back to PHH mortgage services to remodify the mortgage and the sent a letter to a different address that wasnt my address. Now how am I supposed comply if I never receive the letter. An in tern the remodification was cancelled. This is the same run around that I got from ocwen and then losing the paperwork. And the company could of contact me by email but didnt. And this was assigned by the judge to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 asked for validation, this account does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: EQUIFAX, INC.
State: TX
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 contacted XXXX XXXX, XXXX, Equifax, and XXXX   several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the Equifax data breech. XXXX, Equifax, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.

Company response to consumer: Closed with explanation