BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-23
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I got a lease from XXXX XXXX XXXX back in the middle of XX/XX/XXXX. Everything seemed great on their end but, then I noticed in early XX/XX/XXXX that they made 2 unauthorized hard inquires on my credit report. 

Starting in early-mid XX/XX/XXXX I called and spoke with numerous Managers and finace managers at the XXXX XXXX XXXX XXXX dealership. By the way it was very hard just to get ahold of them on the phone. I started with leaving multiple messages and voicemails to the people in charge. Finally I was able to get ahold of a couple of different managers but, they stated that they either could not do anything or that they were going to check and see if there is something that they could do. I gave them a sufficient amount of time to get back to me and provided them with my personal cell phone and email address but, they never called me back. I tried calling them and getting ahold of them again but, I was unsuccessful in getting any sort of resolution this way ( all of this went on for about 5-6 weeks ). 

In XX/XX/XXXX I consulted a lawyer and he helped me put together a formal letter ( attached below ) as the next step to try and find a solution. I stated my complaint and asked them to remove these unauthorized credit inquires from all 3 credit bureaus. Yet, I never even received a response from them after waiting months ). 

About 90 to 120 days later ( either in XX/XX/XXXX or at the very latest XX/XX/XXXX I called the coroprate number for XXXX. I spoke with a customer service representative and a supervisor and they said they would get back to me with a resolution within 1-2 weeks. They never called me back within that time-frame so I called them back around XX/XX/XXXX and they stated that it could take 30 days to resolve. 

Now it has been almost 60 days since Ive conatcted them and I have not recieved any calls or anything close to a resolution for everything. So, at this point I feel as though Ive given XXXX more than enough time and I feel that Ive done all I can in dealing with XXXX myself and Im now hoping thag cfpb can resolve this matter for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Please see attached documents for background information before proceeding. Blue - me, red - landlord, green - police. 

There were 3 separate wire transfers of {$970.00} ( with a {$25.00} wire transfer fee for each ) on XX/XX/2015, and XX/XX/XXXX. Among suspicions of being scammed, I called the J.P. Morgan Chase wire department to help recall the wire transfers on XX/XX/XXXX. I followed up on XX/XX/XXXX to see the progress of the recall. However, I was told that Chase would not be able to send a letter of indemnity to my landlord 's bank, XXXX XXXX, because I was the one who initiated the transfer and this was not under Chase 's definition of fraud. I filed a report with my local police department and have forms indicating that I am a victim of fraud. Today, XX/XX/XXXX, I went to my local Chase branch to see if they can do anything to help me get my money back. The banker told me that they couldn't help me for the same reason - I was the one who initiated the transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-12
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: Old information reappears or never goes away

Complaint:
Made several calls XX/XX/XXXX and XX/XX/XXXX that went no where to assist in removing the account. 
Couldn't get an actual person on the phone to describe my issues and assist. One person would route me to another number then that number would send me to another company but nothing can get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My account with reloacatd is inactive. I have sent in documents showing im me. They still won't unlock it. They keep telling me im not me. Its like they believe someone else is me and im scamming my own account?? I have some emails from brinks prepaid account that i switched to and nothing adds up. And i keep getting replacement cards in the mail. And i never reported any thing stolen. Except my phones. My boyfriend would steal them for a couple days then smash them when he came back. He did that with XXXX XXXX XXXX XXXX XXXX. I can't my bills because i cant use my bank 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 explanation
Consumer complaint received 2020-11-20
Company: CAVALRY INVESTMENTS, LLC
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: Public record information inaccurate

Complaint:
CALVARY SPV 1, LLC WAS PAID IN FULL THROUGH GARNISHMENT AND NEVER SENT LETTER OF SARISFACTION TO XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ALSO

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
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 have file disputed letters on XX/XX/2020 to all three credit bureau and still have not received a reply from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX I took out an auto loan for a new car with 5th 3rd Bank. On XXXX XX/XX/XXXX I mailed in the final payment. The check cleared my account XX/XX/XXXX. Later that day 5th 3rd had my fully paid off car repossessed! 
I was forced to pay {$1800.00} cash to get my car. I paid this at the branch XXXX XXXX XXXX XXXX XXXX, NC XXXX within 15 minutes of my car being stolen. 
I spent weeks trying to get my money refunded. I spoke with the manager XXXX who said the money would be refunded. He said they did not know where " which pot '' my money had gone into. The next week he left a voice mail saying the same thing. 
I have received a check for {$510.00}. No idea why this amount. 
My final payment was {$1200.00}. Again, cash required to get my car was {$1800.00}. 
This entire situation is completely nefarious! 
Requesting full refund of {$1800.00}. for overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chime Bank has closed my account and is refusing to refund my balance of {$24000.00}. I have sent them documents confirming who I am and where my deposits came from. I have sent them my State license, social security card, proof of residence, and other forms indicating that I am the designated recipient of my deposits. My account was closed on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal limited my account for 180 days, freezing my funds, currently more than 250 days have passed and I still have not received a response from them to recover my money, I need your help and cooperation to be able to transfer my funds to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I submitted CFPB Complaint # XXXX-XXXX on XX/XX/XXXX. M & T did respond but advised me that they would be sending a letter to XXXX XXXX XXXX, XXXX XXXX, New York XXXX coping XXXX  with. the solution. They did notified XXXX but I never received a copy of their resolution. 

I called XXXX XXXX XXXX XXXX  today at the number provided in the attached letter. I spoke to a consumer service representative who never heard of the CFPB and was no able to provide me with a copy of the response letter to the CFPB. 

I am in the process of selling my house and the M & T lien is still showing on the title report. It was my understanding that this issues was resolved in XX/XX/XXXX. 
I need XXXX XXXX XXXX XXXX  to provide me with documentation that they no longer have a lien/mortgage on my property. 

Thanks Mr. 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 2020-10-15
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Good afternoon, So I apply for chase credit card on XXXX XXXX and credit was pulled from XXXX. I got a message saying my they will. So two days later I called chase bank to know the status of my application. I was told I had to verify myself which I did by answering a few questions. They told me that I will receive something in the mail in 7 to 10 days. When I got the letter they said they canceled the application because they thought that someone was applying in my name. If I was the one that apply, to called them, which I did. After calling the reconsideration line, I was told by a supervisor they was going to do a manual review and I was going to get a decision in the mail in 7 to 10 days after they reviewOmg my application. My question if you thought someone was applying for credit card in my name you would of called the number on the application to verify information on my credit report that it was me on  the day I apply or the next day. So here we are XX/XX/2020 and I never received a letter of the decision on my credit card application. My score at the time was XXXX on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is attempting to collect a debt that is more than XXXX years old with the original creditor. I would like for this debt collection to stopped and be removed from any of the credit reporting agencies. Also, this was reported incorrectly. This was a voluntary repossession, not involuntary. The vehicle was dropped off at a XXXX dealership in XXXX, TX by my ex.

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 2021-08-19
Company: OneMain Finance Corporation
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
One main financial posted three hard inquiries on my credit that I did not authorize. I've tried to fix it with XXXX  to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Nelnet, Inc.
State: NV
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:
On XX/XX/XXXX my loans were approved for a student loan discharge do to a XXXX. I was told by NELNET that my loans would be discharged and reported to all major credit bureas that my loans would be reported closed with a XXXX balance. On XX/XX/XXXX NelNet reported my loans incorrectlly to the major credit bureas as being defered tell XX/XX/XXXX, and reported them as, transfered. Also showing a 90 day late payment which I was inschool during XX/XX/XXXX and XX/XX/XXXX. I spoke to NELNET they said they were sorry for reporting incorrectlly and, that they would fix the issue with the three major credit bureas. They also sent me a letter stating so. I just want this fixed please, I am XXXX   and this is really effecting my credit and me. I have been truned down for medical treatment that is not covered by insurance due to NELNET reporting incorrectly. At this time I do not know what to do but report NelNet, and to contact my state attroney office about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Received marketing letters once a month from Chase for the last 18 months to apply for the Chase XXXX Credit Card. Four of these letters are currently in hand. All advertise the ability to apply for a credit card with a given sign up bonus and state that you will be considered if you do not current have the card nor have received a new cardmember bonus within the last 12 months. No other limitations are stated on the mailings limiting the application or guaranteeing rejection for certain subsection of candidates. 

The application rejection letter was sent out on XX/XX/XXXX and received it on the XXXX. No reconsideration was implied and no number or contact information was listed. After rereading the back of the letter and searching online, I discovered that they have a policy of denying and not reconsidering all people with 5 or more new accounts in the last 24 months. This information was not listed anywhere on their website or on the application. They claim it is not a policy, but a rejection reason. They did not offer any proof that it was not a hard policy or rule. This adversely impacted my credit score based on an unwritten policy claimed to be a trade secret when it is currently public knowledge. This also constitutes false advertising as it implies consideration when none is intended. They also are collecting financial information at the detriment of the applicant with no intention of offering the card, but to a subset of individuals for non-credit worthiness reasons. The original rejection reason also discriminates against age since younger people would open more accounts within a 24 month period than older, established individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company was trying to collect phantom debt that was already paid years ago and did not attempt to validate debt until a complaint was made to the 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 2021-05-03
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a refinance application with Huntington in XX/XX/2021. As part of that application I had to pay {$400.00} towards an appraisal fee. I was told that I would receive a refund/credit of that when I closed. The appraiser that Huntington provided did an extremely poor job XXXX the appraisal took place on XX/XX/2021 ), which resulted in Huntington not fulfilling my request to consolidate my first and second in the refinance. I provided supplemental information ( including a Realtor report with more comparable properties XXXX to Huntington from XX/XX/2021 through XX/XX/2021 that supported a higher appraisal value. Huntington denied my appraisal dispute and I requested a refund for the appraisal amount. Huntington never fully responded to my request for that refund and, I believe, wants me to just go away without providing me a final response. Huntington used deceptive practices with their application process and the use of the appraisal fees. Through the email and verbal communications leading up to XXXX XXXX Huntington was pushing a narrative that the fee would always be provided back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 XX/XX/2020, the merchant XXXX charged me XXXX for a gaming PC that's so corrupted to the point that games crash every time after opening and the resolution worsens all by itself to the worst possible resolution without me having anything to do with its utter defectiveness. I tried to return it but the merchant refused to pay for the return when they were the ones who sold me the scam product in the first place. Here is their official site : 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 monetary relief
Consumer complaint received 2020-08-23
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2020, I received a collection notice from XXXX in the amount of {$1400.00} It identified a creditor a debt amount, I promptly sent them a letter advising them I did not now nor have I ever had an account as they described. 

I just received another letter from XXXX for the same debt. I have drafted another letter and indicated it is my second written notice disputing the validity of that debt. 

They never responded to my first letter.

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 2021-05-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
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:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN THESE ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX   and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-08-20
Company: FORD MOTOR CREDIT CO.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
All I want to say in this complaint is that Ford Motor Credit Company is in fact, acting against my consumer rights, and I want them to do the right thing. I have been damaged emotionally and financially because of their acts. 

The account involved is the following : Account # XXXX Date opened : XX/XX/2012 Original balance : {$28000.00} The reason why I state that this company has been acting against my rights is because they have been doing the following : - Reporting inconsistences across bureaus. 
- Failing to provide fair customer service. 
- Wrongful and dishonest practices. 
- Break of contract I will attache some documentation so you can send it to Ford. 

Thank you for the existence of this portal. I hope to get a fair solution to this matter soon. 

XXXX XXXX Best!

Company response to consumer: Closed with explanation