BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, XXXX Original creditor : XXXX {$1700.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  {$430.00} There are no contracts, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

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 2020-12-09
Company: LD Holdings Group, LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my loan in XXXX 2020. 
The first three house payments went through my bank with online banking, no hitch.

The next SIX payments, ( I'm sure soon be seven ) are RETURNED/Cancelled by LoanDepot. 
My bank has assured me it is something on their end that has changed. I received a letter dated XXXX that a new payment address as well as a new loan number was issued. Although my banks default with payment address reads that " they would know about a payment address change before I did, I dutifully called and doublechecked the payment was being sent to the XXXX XXXX, N.J. address. I have spent HOURS on the phone with customer serv. reps that can not help me. I have begged for a supervisor ( s ) to help. The first two times it happened I was assured that everything had been corrected and the problem had been rectified. Not only has it not been rectified, its getting worse. I am in some horrible customer service gerbil wheel that is a series of being put on hold for unreasonable amounts of time only to be transferred ( if it goes through ) for more holding. 
I have begged for supervisors. No one seems to be able to help. In the meantime I'm getting robot calls to call them immediately as my account is past due. All to do it over again. Its bordering on harassment as the customer service department serves as a collection agency. Please CAN YOU HELP ME. I've attached the banking records. 
I've been told I am not the only one that has had this problem from a couple of the customer reps. 
Wouldn't you think with all the recorded conversations and the company returning my checks someone would know what to do. Worse customer service EVER. They know of not one other division I might contact, or so they say.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Charging late fees that were paid in full in XXXX XXXX bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
HELLO I'M HAVING PROBLEMS WITH THE BANK CITI BANK THE DAY XX/XX/2019 A PAYMENT OF {$1000.00} WAS ALLOWED TO THE COMPANY XXXX BUT THE MONEY NEVER RECEIVED THE {$1000.00} DOLLARS ALREADY CALLED MULTIPLE TIMES TO CITI BANK BUSINESS ONLY I CAN ANSWER THAT THEY ALREADY DELIVERED THE MONEY BUT THAT IS LIE XXXX STILL DOES NOT RECEIVE THE PAYMENT THE {$1000.00} WAS PAID TO THIS COMPANY FOR THE FINANCING OF MY VEHICLE THE COMPANY GAVE ME A CHARGE OF {$100.00} FOR LATE PAYMENTS BUT I NEVER PAY LATE IT WAS CITI BANK BUSINESS THAT I DO NOT DELIVER THE FUNDS AND I DO NOT KNOW WHERE THEY WANT THIS COMPANY TO PAY ME ALL CHARGES THAT I GAVE FOR CITIZEN OF CITI BANK ..

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 2020-12-09
Company: Common Wealth Mortgage Services
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I reach XXXX XXXX from Intercap lending on Friday, XX/XX/2020 by the phone. We've talked about my loan application, and in the end, I agreed to upload my document through the app she sent its name. 

She was very polite before receiving the information and run my credit! Even she stopped in the road to respond to the phone as she said, unlike after credit check! 
She is not responsible for the job she is doing. She believes she should respond to those who may be a good deal. I've been waiting for days to hear from her after the credit check. 
The first time I call after a credit check, she said I'm working on the type of loan that may be a good fit for you. However, in my second call which was after days later, she said : " I'm not working on your file as I explained the reason on the other day. '' She looks very confused, I guess she talks with someone else the other day! 
To summarize : - I believe that is my right to know what she found in my wife and my credit report. I have her written text that she said we could go over my credit report by the phone. 
- When she confirmed that we could go over to the credit report in a text message, I respond in the same way : " Let 's do that when you finalized my approval. '' This text is evidence of her confusion as she claimed she already notified me about her decision. '' - I send all documents needed professionally through the company 's app and email, and I expect to hear a proper response after several times follow up. I need to receive a professional letter or email about the decision instead of receiving a text that says : " It looks like we are not a good fit ... ''!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo was my mortgage servicer. 
My job was shipped overseas and I requested from WF a loan modification. 
They offered me a " Special Forbearance '' which would have set me up for failure. 
At the end of 12 months a balloon payment for the 12 month reduction would be due along with the regular monthly loan payment. 
This offer was made to me AFTER I filed a complaint with the State of Texas Attorney General. 
I was forced to sell the property in order to avoid a foreclosure on my credit history. 
A simple loan modification would have sufficed had they just worked with me and I wouldn't be struggling with this escalating rent. 
I am seeking a settlement payment from their refusal to offer me reasonable accommodations for a loan modification.

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 2022-06-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've been disputing some negative accounts on my credit report for almost a year and they still haven't been eliminated, I need some kind of answer with my case

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: JPMORGAN CHASE & CO.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX and XXXX I sent {$5000.00} to someone to purchase a vehicle. Thats {$10000.00} that I sent total, the payment of {$5000.00} on the XXXX was sent through XXXX used through my chase bank app. The second payment of {$5000.00} was sent on XX/XX/XXXX through a wire transfer from my chase bank app to his XXXX bank account. We are in XXXX and he hasnt spoken to me since XXXX and I call and leave messages no response. I finally called chase fraud and put in a claim with them. They let me know the next day that I couldnt receive the funds back and it was nothing they could do. So now Im out of {$10000.00} and still no vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I go on line Bank of America, Direct deposit savings account.sign in, give my online ID and pass code.Sign in security step enter the asked for tex.Continue to sign in.Verify identity. Enter Authorization code.Authorization code never given.To the right I click I never received my authorization code.It gives me a number to call to get the authorization code ( XXXX XXXX XXXX XXXX .I now live in the XXXX  this call cost me {$30.00} the minute there is a connection and goes up from their.I get a machine not a live person.Put on hold for 20 min.Then it drops me off. I have called Bank of America and worked with a person Named XXXX that told me that the process of getting the authorization code needed to be reset and that she would do that and the problem would be solved.Was not.Second person was XXXX who transferred me to another person named XXXX we spent quite some time on both the computer and phone.Said that she would reset the authorization code and that should fix the problem but that it would take 24hr. to 48hrs before it would take affect.48 hrs later on the phone and computer with XXXX  problem still there.Can not access my on line account.This mostly took place on XX/XX/2020 around XXXX until XXXX.Problem has not been fixed.Bank of America has in affect locked me out of my savings account and denying me access to my funds.All I get from these people that have tried to help me is that they do not know what to now do. They advise me to keep calling and hope that I eventually get someone that can fix the problem.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2020-12-09
Company: Westlake Services, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had an original contract with Pelican finance in 2016 when I financed a vehicle. I've made about 2 years worth of payments on time, but have no record of those payments reflecting towards the balanced that was transferred over to Westlake when they supposedly bought out my contract. I never signed any agreements with Westlake for this vehicle and they are not able to show me payments I've made when I was under Pelican. Pelican never made me aware of their company closing or selling my account to another finance company. 

Please help me get this rectified or have the account removed from my credit report. I know I don't owe the amount they are claiming I owed, and I've already paid over {$14000.00} alone within the first 3 years of financing the car, so they are being snakes and not caring about figuring out the true amount owed including my initial interest rate. 

Please help me get my life back on track because this company is taking advantage of the situation. 

Thank you.

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 2021-04-29
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/XXXX - I received a letter from Eastern Account System of Connecticut , Inc. attempting to collect a past due debt. The letter in question is fraudulent and an attempt to extort money from people. The letter only has an address and my name is not on the letter. The letter states over XXXX XXXX dollars is due to a cable company that we stopped using back in XXXX. Our XXXX XXXX XXXX  contracts with the local cable company to provide cable TV to the whole neighborhood. In XXXX the XXXX XXXX canceled XXXX XXXX and subscribed to XXXX XXXX instead. I have now found that other homeowners in our neighborhood have received the same letter attempting to collect money or get them to call them. I can provide copy of letter if needed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been using Capital One for some time. When I began using the card for online gaming, they began putting fraud holds on my account. I resolved this in XXXX on at least two occasions, verifying it is me making the purchases. I have not disputed a single charge, yet they continue to put fraud holds on the account. Normally, I just have to jump thru hoops over the phone to resolve, but it kept happening. Now in XXXX, they have placed another fraud hold, and this time will provide no information, and are asking for documents to verify my identity ( Documents not required to set up account or use it in the past ). I have provided them the best I could, and they continue to want more. Now they are demanding new scans of the back of my ID ( despite sending them over 10 pictures, none seem good enough ), and now are asking for the back of my social security card. This has become harassment, not any kind of fraud protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Nelnet, Inc.
State: MD
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:
I have tried to make payments towards my student loan through my servicer, Nelnet. The company is refusing to accept my payments and is continually charging interest to my account. On XX/XX/23 I attempted to make a payment for {$100.00} and they claim to have accepted the payment but they have not withdrawn the money from my bank account. I also tried to make a payment of {$230.00} on XX/XX/23 which they denied, and have since deleted from my transaction history. I am trying to make payments during school to offset the interest I am accruing but Nelnet is refusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this on my credit report. It is not belong to me. It is 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 explanation
Consumer complaint received 2020-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was expecting my unemployment edd card from BANK OF AMERICA. At the time my neighborhood was expecting mail theft. So called the bank yo get a estimate on when I would receive my card.I was told that the card was already sent out. I stated that I hadn't received the card. I was then told not to worry they would send me another card expedited service. 2 days later I received my card. After I activated it the recording said my balance was XXXX. My card was suppose to have a little over XXXX on it, I explained this to the customer service. I was told that I would receive a call back .That was on the XXXX of XXXX. I called back 3 days later and explained again my situation again i was told I would receive a call back. Never got a call back so I called back around a week later after a XXXX XXXX hour wait time I was connected to the claim dept. and after I again explained my problem she looked over my account and said there was XXXX dollars in charges. She told me to fax in a statement saying that I never received my card and that I didn't make any of those charges, and that I was not in the State of Texas using my atm card. I did so the followin morning. After 3 more days of waiting for a responce wich then made it 19 days from my first call i called again and didnt get no information on my claim. im getting no calls back from them either,

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 2023-11-15
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
PayPal facilitated fraudulent website ( ascis ) to use their services for transaction and when raised a complaint with my bank ( XXXX XXXX XXXX XXXX ) and PayPal immediately after being aware of issue, they acknowledged that transaction would not be posted from pending status and will be withheld, only to know after 2 weeks that transaction has been posted. 

I also contacted ascis merchant about their clone website which hosts PayPal as only medium of XXXX so as to create a layer of masking. 

The transaction is posted as PayPal * XXXX instead of XXXX XXXX. Attachments enclosed. 

XXXX XXXX acknowledged the issue and PayPal refused to address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: EQUIFAX, 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 was nothing to explain further. I have been sending letters for months now and I have repeated myself over and over again.. The accounts are not mine, they were not proven as my responsibility, Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. ( Original Creditor :  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a Synchrony Home Credit Card for furniture purchases I made at XXXX XXXX XXXX a couple of years ago. I have been making steady ( automatic ) payments of $ XXXX/mo since that purchase ( my principal balance is down close to {$1000.00} ). In XXXX of XXXX, my payment apparently arrived 2 days late ( due XX/XX/XXXX, credited to my account on XX/XX/XXXX ). XX/XX/XXXX was a holiday. I was charged a {$29.00} fee ... which was later credited back to me. 

In XXXX of XXXX, my payment apparently arrived 1 day late ( due XX/XX/XXXX, credited to my account on XX/XX/XXXX ). I was assessed a {$40.00} late fee. I don't believe I was made aware of this late fee. This changed my minimum payment due to {$130.00} ( $ XXXX {$40.00} ). 

In XXXX of XXXX, I made my standard payment of {$93.00} on time ( credited to my account on XX/XX/XXXX ). Because I didn't pay the full {$130.00}, I was assessed another {$40.00} fee + {$2.00} interest. This has changed my minimum payment due in XXXX to {$170.00} ( $ XXXX $ XXXX $ XXXX {$2.00} ). I happened to notice this pattern recently. I called Synchrony Home this week ( on XX/XX/XXXX ) and was told that because I had been credited the {$29.00} fee in XXXX, there was nothing that could be done. 

I don't believe it is fair to continue to charge {$40.00} late fees every month, and now interest, when I am making the payment that I believe I owe. I am now being held hostage by Synchrony Home in that if I don't pay {$170.00}, I will be charged another {$40.00} late fee. 

Please help 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 monetary relief