BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Questions to the pretender lenders, their agents, co parties principle ( s ) that have never been answered : 1. Under what authority these strangers to me and to the alleged financial transaction that never took place filed for a notice of default when there is no loan to me, see attached declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX that there was no loan transaction in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX from any of the parties who have falsified papers to make a fraudulent claim to my private property? 2. Under what authority these strangers to me and to the alleged financial transaction that never took place have been attempting to extort monies and property from me when i : have my non judicial judgment at TILA 1635 et. seq. indorsed by enacted federal and state law and by all three branches of the government, to wit : the president, the congress and the SCOTUS unanimous decision in XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ), cert. granted, XXXX XXXX XXXX ( U.S. XX/XX/XXXX ) ( Docket No. XXXX, SCOTUS Unanimous decision XX/XX/XXXX, Author : XXXX XXXX ), at 12 CFR 226.15 ( d ), ( 1 ), ( 2 ) and ( 3 ), Reg. Z by Federal Reserve. 3. How did these entities that claim [ falsely ] that the alleged non  existing loan is in default, obtained the right to collect on a non existing debt, and when there is no default and all payments on a non existing alleged loan has been received? [ see declaration of ex police officer and currently private investigator that XXXX XXXX XXXX, XXXX surrendered to California secretary of state in XX/XX/XXXX, therefore it did not exist to give me a loan in XX/XX/XXXX and did not give me a loan in XX/XX/XXXX. 4. what evidence do these people have who are making a grand theft of my home that A ) there was a loan made to me from any of the pretender lenders ( when there was none, see attachment ), B ) that there is a default ( when there is none, see attached that all payments on a non existing loan has been received on continuous basis ) ; and C ) how did these entities obtain the right to foreclose on my sovereign property, where are the unaltered original note? the chain of assignments? proof of payment such as Check 21,  ACH confirmation or cancelled check? when there is none, see declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX. 5. Under what authority the pretender lenders are trying to foreclose on my property when the non  existing alleged loan has been liquidated on XX/XX/XXXX to unknown parties? see attached obtained from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH mortgage company has no accountability, can not be reached by phone. I did finally reach them by phone, I made a payment over the phone, because the website is broken, and was content that a payment was made. I even received an email with a questionnaire following up on my over the phone payment. 2 weeks later, I log on to make another payment, only to see that my previous payment was never recognized. So now I have a mark on my credit score. I tried calling the customer service number, no-one picked up. I am furious. I have worked for years to build up and keep a good credit score. What agency allows a company like PHH to operate? All online reviews are at 1 star out of 5 for this company. Who protects the homeowner? The borrower? 

I want my credit score to be restored. I want my fees reversed. I want a reputable company to service my mortgage. I want the Federal Government to prevent shady companies from buying mortgages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a payment through XXXX XXXX using my Wells Fargo business debit card. The intended recipient never recieved the payment since there was another individual with the same name. XXXX XXXX instructed me go to my bank branch manager to  dispute the claim if the teller could not assist. The dispute was filed by phone and denied. XXXX XXXX reports they can not do anything without the bank disputing the claim.

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 2020-05-11
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Chase Bank filed a frivolous complaint against me ( Michigan XXXX XXXX XXXXXXXX ) after they generated an unethical low-ball appraisal utilizing irrelevant comparable sales, likely done by a person not licensed in the state of Michigan, which is a violation of federal law. I was cleared of any and all wrongdoing by the state of Michigan 's Licensing and Regulatory Authority ( LARA ). 
Upon being cleared by LARA, Chase refused to accept LARA 's decision and repeatedly denied my appeals to be removed from their banned list, stating that nothing had been resolved. I remained on Chase 's Ineligible Appraiser List for two years after being cleared by LARA. After I submitted a complaint to the FCPB, Chase replied to both the FCPB and me that I had been removed me from their list ( apparently before my complaint, which I was never notified of ) and declared I was on their Eligible Appraisers List ; however, they never sent me another appraisal order, so they either falsely stated I was removed from the ineligible list, or they prevented me from doing appraisals by blacklisting me another way.

I would like to obtain the name and license number of their appraiser so I may pursue legal action against him or her, and, if my accusations are found to be valid, I would like your department to investigate and prosecute Chase Bank for knowingly ordering appraisals from unlicensed appraisers, and having them develop appraisals in violation of USPAP. Based on the most recent letter I received from Chase dated XX/XX/2020, they still refer to my appraisal as " deficient, '' even though I was cleared by the state of Michigan, with LARA stating " No violation of the Occupational Code, ... Board Rules, .. or Uniform Standards of Professional Appraisal Practice '' were present in my appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This complaint includes TWO disputes. My name is XXXX XXXX XXXX XXXX and I currently bank with Bank of America. On XX/XX/XXXX I filed a claim because there was two transactions at an atm for {$500.00} a piece that bofA let leave my account. I got an alert on my phone that the same person was trying to take out another {$1000.00} the next day and then thats when I reported the transactions as fraud. I called the bank and was assured I would have all my money back, thats clearly not what happened, they came back and said that I was the one on camera taking the money out and thats not true what so ever, I honestly felt so disrespected that they would even say that with having surveillance. Then on XX/XX/XXXX while on vaca in XXXX  I had reported a fraudulent charge of {$1100.00} from a store. I remember going out to eat and losing my card and then I checked my account to see a huge charge that I never authorized. Same situation I was assured I would have my money back and then I checked today and my claim was denied. At this point Im losing money banking with bofa and its almost brought me to tears knowing Im out on almost XXXX in less than two months. Its like they are blaming me for someone getting ahold of my card and taking advantage of it. Im an honest man and in no way have anything to do with any of these transactions and would love to have all of my money credited back to my account!

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 2020-05-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I went over the miles on my lease and discovered that they were charging me XXXX per mile. However, the lease as written ties " excess use '' to any repairs needed to repair problems caused by excess use. My vehicle was turned in in perfect condition and didn't need any repairs. Also, the XXXX charge is excessive and bears absolutely no relationship to any diminution in value to the vehicle. When I call Infinity they lie about the terms of the contract and refuse to reduce any of the excessive charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In response to previous complaints on behalf of Bank of America, outrageous display for taking my very little money and locking me out, then stating they will no longer do business with me. First attempt early XXXX, second attempt XX/XX/XXXX, has caused a lot of issues. As I stated in a recent complaint yesterday, I couldn't go to my doctors appointment, I lost my medications for the entire month and part of next month. I am responsible for my mother 's medications as well, and her doctors appointments. Which is gas and co payments! I CAN'T CONTINUE LIKE THIS FOR ANOTHER LONG DRAGGED OUT WEEK! The bank sent me a letter stating my account will be opened on XX/XX/XXXX, and everything will be the same, with a balance of XXXX!!! What? This situation was not my doing or fault! I WON'T MAKE IT, YES I BELIEVE I AM ENTITLED TO PUNITIVE DAMAGES COMPENSATION, MY BILLS HAVE DOUBLED AND NOBODY WANTS TO HELP ME! I PRAY THEY DON'T PICK UP ME VEHICLE. I NEED MY MEDICATION, MY MOTHER NEEDS HERS, I DON'T WANT HER BACK IN THE HOSPITAL, MONEY FROM ORGANIZATIONS GOT IT BACK AND ASKED WHY? THEY WILL ONLY TRUST DIRECT DEPOSIT. I AM COMPLETELY STRESSED OUT, XXXX XXXX IS XXXX  XXXX, VERY LOW ON XXXX MEDS AS WELL AND I HAVE NO MORE XXXX IN MY BODY TO PRODUCE XXXX. I DON'T UNDERSTAND WHY THEY ARE BEING CRUEL, JUST PLAN EVIL. I HAVE BANKED WITH THEM FOR SO LONG ... .. PLEASE, 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 explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is currently reporting a 30 day late status for XX/XX/2019 on Experian and XXXX. My home was sold and the mortgage company was paid in full.

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is currently reporting a 30 day late status for XX/XX/2019 on XXXX   and TransUnion. My home was sold and the mortgage company was paid in full.

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 2018-11-17
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Was sent letter claiming to owe without any documentation of charges. I called them and demanded a full breakdown of charges and a copy of any signed approval document that I ever agreed to these so called charges. Company has Never provided proof of charges or even attempted to resolve these bogus demands. I recently sent another request for proof of charges and now this shows up on my credit report damaging my credit. This Company is a fraud for reporting illegal charges never approved by me. I even called the hospital and they referred me back to Helvey and Associates who has never tried to provide me documentation of debt, because they cant get any as the Dept is not owed and never was! I am asking to have this damaging disclosure immediately removed from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

NELNET is violating my consumer rights under 15 U.S. Code Chapter 1692-15 U.S. Code SUBCHAPTER VDEBT COLLECTION PRACTICES.

There are multiple federal violations that the NELNET is grossly violating. I have also submitted an Affidavit of Fact and a demand of removal from my consumer report.

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. 

I XXXX XXXX XXXX, am the ORGINAL CREDITOR and extended the credit to NELNET. 

I am holding NELNET is civilly liable for their gross negligence. Attached is a copy affidavit of fact that includes the FDCPA violations and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: CL Holdings LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Jefferson Capital System incorrectly sent my account to collection. I never received a notice and this debt has already been paid. The account is # XXXX, they are reporting incorrectly and this should not be on credit, I have already paid this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Transunion is making money off of peoples information. 

I did not file Bankruptcy in XX/XX/2013 someone else did with a similar name but the Bankruptcy is showing on my repor.t

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
You guys continue to place fraud alerts on my credit and I do n't authorize any of the credit bureaus to place any fraud alert. Please do n't place another fraud alert on my credit file. I really mean it, it is embarrassing me and humiliating me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a car from XXXX  Toyota to do XXXX, when I was negotiate with them I told them that it was for XXXX and I trade mine with them, I was at the same room with XXXX XXXX y XXXX  when I call XXXX XXXX and XXXX XXXX ask : what are you going to do with the car? and I told them that I'm going to do XXXX and they didn't tell me nothing and I wanted to make sure that everything is correct. I was in an accident on XX/XX/XXXX I was surprised that my just inform me that GAP denied my case because the dealer give me a Wong GAP and my lawyer send me to fix that with with the dealer. To make sure that everything was on the same alignment I told my lawyer that I was doing XXXX and XXXX  and the insurance know that I was doing XXXX. 
IF I'M NOT THE ONE WHO PIC UP THE GAP WHY I HAVE TO PAY WRONDOING OF THE DEALER? THE DEALER GIVE ME THE WRONG GAP. 
They just charge me more than {$10000.00} to pay I really don't know ; I'm not doing XXXX now in that difficult time ; I have bills, I'm paying a XXXX school. 
I WILL THANK YOU FOR YOUR HELP. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
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:
there are fraudulent inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I didn't give Authorization / Authorize too open accounts / pull and/or use my credit too open new accounts ( Identity Theft Victim - XXXX Data Breach ) ... 

XXXX XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account )

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 2020-06-22
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am trying to use the XXXX application to access my unemployment benefits before they arrive. All they need is for my bank to connect so that they can confirm that I am getting the money they are to lend to me. It is urgent that i receive this money sooner than later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
My most recent dispute with Experian resulted in a public record being verified. During previous disputes I have asked for supporting documents and proof to validate their decision. I stated that the public recorded that is reporting on my credit report is not mine. The previous investigation did not meet FCRA. I was not given the documents that I request to prove this was a proper and thorough investigation. I am demanding all original documents from the original furnisher such as documents containing my signature, contracts, and or signed agreements. Also Im demanding documents used to determine your decision in this investigation such as address, phone numbers, dates, times, and name of person that your company communicated with to verify such inaccurate information. I would like this information within 15 days. 
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 2018-10-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We want XXXX XXXX XXXX investegated they are the servicer on our mortgage. 

Our loan was originated back in XX/XX/2006. We are victims of a predatory loan. 

We were misrepresented by the mortgage broker and by XXXX XXXX when this loan was originated. 

We have reviewed our loan with specialist in the industry and there was fraud on documents from the mortgage broker to the banks and forgery on loan documents and disclosures. 

Since this loan was originated this loan has been passed along from XXXX XXXX, to XXXX XXXX and now XXXX XXXX XXXX. 

We also have checked with title specilist and Sps does not hold legal title on our home properly to foreclose on our home since title recording on purchase date and from all the loan transfers from bank to bank .The title chain is broken and not correct. 

We are victims of predatory lending and now we are stuck with a toxic loan, Due to all these greedy large banks and corporations trying to maximize profits on homeowners that got these toxic loans. 

We want to hold these corporations accountable for the problems they have caused to our family. 

We have tried to work with sps over and over to fix our toxic loan and it just seams to fall on deaf ears. We will continue to defend our home until there is a fix on our mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I don't have any contract with XXXX # XXXX ( XXXX XXXX  XXXX, XXXX , IL XXXX ), I don't have any contract with XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX XXXX , TX XXXX ),  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX is an incorrect address.

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