BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-14
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have contacted Ally on XX/XX/XXXX via their XXXX contact number listed on the monthly account summary to request why these summaries do not include year to date paid in principal and interest, not just the monthly amount - and was told that was their standard practice. I explained that I paid in excess of the required payment and was concerned the excess was not going to principal as the finance charges appear to increase month to month. 
I was transferred to a manager after requesting so since the response received about how interest is applied ; the agent for ally said its computed daily, and my agreement was for an annual interest rate - daily interest is not detailed in the summary or in the document I signed for the loan. I request statements be sent to me showing me the monthly principal and interest ( finance charge ) and the effect it was having on my outstanding balance - I requested those statements be sent immediately. The manager said they would call back and confirm the statements were on its way the following day.
On XX/XX/XXXX I contacted Ally via their XXXX contact number to explain I did not receive a call back, and needed confirmation the statements were being mailed to me. The agent said I should expect to receive the statements in 3 - 5 business days. 
Its XX/XX/XXXX and I have not received the statements. 
The truth in lending statement does not fairly disclose the types of finance charges, and interest and payment activity that if made on time, would lead to final interest and finance charges over the period of the loan - its less than I am actually paying ; the monthly summary does not provide month over month accounting of payments made and the impact to principal.

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 2017-11-14
Company: Phoenix Financial Services LLC
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: Account information incorrect

Complaint:
PHOENIX FINANCIAL SERVIC, XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX is being reported as a new acct. every month for $ XXXX. 

This same company is reporting a payment of at least {$1.00} every month when NO payment has been made. 

I do not know who this company is or what alleged debt they say I owe. 

Because of their unscrupulous activities, my credit score keeps going down!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: DISCOVER BANK
State: CA
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:
The CFPB has jurisdiction over this matter because it concerns Unfair Deceptive and Misleading Practices ( UDAAP ). I am an employee of a business that applied for a BUSINESS credit card using my social security number with Discover, and this card was approved with the understanding that it does not report to my personal credit. It is industry standard that a business credit card does not report to an individual 's personal credit report. 

If i wanted a card that reported to my personal credit, I would have applied for a personal credit card not a business one.

However, I was shocked to find out that this business credit card was reporting to my personal credit report as of XX/XX/2019. I never consented to this, as these business purchases have nothing to do with my personal life, and are now causing me harm in being denied a mortgage because of the small credit limit and recency of the account. 

I would have NEVER consented to having a business credit card report to my personal credit report. Discover is playing a bait and switch game with its consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: CarFinance Capital LLC, Irvine, CA Branch
State: DE
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:
Company XXXX XXXX keeps running my credit every 3months, I dont know this company and never applied with them. A lot of hard inquires on file, I have no knowledge of. A lot of fraudulent inquires.

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 2017-11-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX I live with my family at XXXX XXXX XXXX XXXX CA XXXX, in XX/XX/XXXX I received loan from XXXX XXXX XXXX un aware and not understanding the terms of the loan to an interest only payment i was making my payments for many years. In XX/XX/XXXX without my knowledge they switched the loan to Wachovia and I was making my payments to them. In XX/XX/XXXX I was switched to Wells Fargo ( a night mare ). Around that time my payments adjusted to three times the amount I was paying. I was struggling to make my payments I reached out to Wells Fargo begging for assistance for a modification. For several years I faxed all requested documentation to wells fargo litigation department but they would deny me every time I have continue to plead with them for a modification to no avail. 
under the settlement that was signed by XXXX XXXX and Wells Fargo in XX/XX/XXXX I qualify for a modification, I believe they are violating the settlement agreement and they are violating my right to get a modification due to the pick-a-payment they give me in XX/XX/XXXX. 
I am requesting your assistance in this matter and to investigate why Wells Fargo is violating and not honoring the settlement agreement that was signed in XX/XX/XXXX. 
Please I need your help I do not want to be homeless.

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 2019-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted to file a dispute online with my bank, Bank of America, but I was instructed to contact a CSR. I called the CSR and explained why I was submitting the dispute and explained that I tried to rectify the issue prior to disputing the charge. The CSR said that Bank of America was concerned with the number of disputes that I have submitted and that they would penalize me by closing my account and not allowing me to open another one if I dispute anything else. I explained to him that this was unfair since I try to resolve disputes prior to contacting them or even getting them involved. Additionally, I explained that it was unfair that I was going to experience a punitive action because I chose to use a service availed to me by them. Additionally, there is nothing stated that a person could lose access to their account and be permanently barred from additional accounts if one decided to use a service that is not only availed to them, but a service that CSR 's encourage you to use.

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 2021-10-13
Company: EGL US, LLC
State: PA
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 XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/2020 XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/2020 XXXX XXXXBalance $ XXXXDate Opened : XX/XX/2020 XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed several accounts with this company, I have never done business with this company nor owe what is listed on my personal credit file. Nothing has been received from this company. 

NCC Business XXXX NCC Business XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CHASE Card Services closed my Account arguing DELINQUENCY OR DEROGATORY STATUS ON ACCOUNT WITH US. Because my Credit history and reports are impeccable, I do believe this was in reprisal for cancelling my wife 's and myself application for new VISA Cards. Such cards were suggested by MARRIOT Vacation Club agents ( BonVoy  ) to gain points in the BonVoy Program that we also cancelled as explained below. 

The facts are as follows : 1. We ( My wife and I ) have hold a British Airways VISA card for the last 8 years. Since then, we have paid all our monthly balances in full and on time. The same is true for all and any of the credit cards that we currently have including CITI MasterCard, XXXX XXXX , XXXX XXXX XXXX XXXX  VISA ( Debit ), XXXX XXXX VISA ( Debit ). 

2. Our current credit score is XXXX, and we do not have any derogatory or delinquent items as the Chase letter suggests. 

3. In the last week of XX/XX/2019, we purchased a new Marriot Vacation Plan (  BonVoy ) costing about {$45000.00}. The selling agent suggested to us to apply for individual Marriot VISA cards to " gain '' points that could be used to pay for vacations later. However, on XX/XX/2019, after testing the product and verifying that benefits described to us were not accurate, we decided to both cancelling purchase of the Plan and  withdrawing application for new VISA cards. 

4. On XX/XX/XXXX and XX/XX/XXXX we unsuccessfully tried to use out VISA cards, and on XX/XX/XXXX we received an unsigned notification stating that because of DELINQUENCY OR DEROGATORY STATUS ON ACCOUNT WITH US, CHASE has closed our Credit Card account. Although I called the credit card customer services, they stated that they could not give us any information because that was a decision made by CHASE. 

5. Since our Credit Card record is impeccable, and we do not have and haven't had any delinquent or derogatory items ever with this or any other credit card or any other organization, I have concluded that the CHASE action against us was taken in reprisal for cancelling our applications for new cards that were suggested by Marriot. 

6. CHASE action resulted in embarrassing situations to my wife and myself when we were trying to pay for items we have purchased and CHASE denied payment without prior notice and subsequent refusal to provide us an explanation and identifying specific reason for their action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
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:
This complaint is against Rushmore Loan Management Services, LLC. My first complaint, was back in XXXX 2017. In viewing my credit report, I noticed Rushmore closed my mortgage loan. But, it should n't be closed. I filed a complaint. They corrected the account to " open '' but now reporting it as in default 60 days.
This is false reporting. I 'm providing proof of XX/XX/XXXX and XXXX 2017 mortgage payments. I 'm attaching the XX/XX/XXXX, XX/XX/XXXX and the XXXX XXXX 2017 reports. I believe, they have knowingly reported this falsely reported to the credit bureaus. Due to the numerous errors and negligence cause on Rushmore 's behalf, I now believe I 'm targeted individual by Rushmore Loan Management. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
XXXX and coinbase.com have absolutely nonexistent customer service and there is evidence accumulating that they are actually running a Ponzi scheme. I submitted a withdrawal increase request on XXXX XXXX, 2017 and despite stating that review takes 5 to 10 business days, they have yet to approve or deny my request. Multiple repeated attempts at contacting the customer service have been completely ignored. There is evidence that they are intentionally " losing '' large withdrawals ( on XXXX  ) and not approving withdraw increase requests because they only allow people to withdraw a sum smaller than they have coming in that day ( I.E. THEY ARE RUNNING A PONZI ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that used to very the accounts i dispute. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - " they are required to promptly delete all information which can not be verified '' That I have disputed. Please resolve this issue immediately.

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 2021-10-13
Company: WELLS FARGO & COMPANY
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In mid XXXX I contacted Wells Fargo regarding two accounts I had that were severely past due to set up a payment arrangement. We had sold our house and I informed Wells Fargo I would pay them in full and they promised me on the phone in mid XXXX that they would not send it to collections or sue me. I told them my house would close on XX/XX/XXXX so I would pay in full by the end of XXXX depending on when the check cleared. Sometime between XX/XX/XXXX and XX/XX/XXXX I was contacted by my sheriffs department that I was served a summons for these debts. I have already contacted that law firm and settled these debts.

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 2019-10-17
Company: EQUIFAX, INC.
State: NY
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 filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that used to very the accounts i dispute. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - " they are required to promptly delete all information which can not be verified '' That I have disputed. Please resolve this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX, I received a call from Barclays Bank that my PIN on my XXXX MasterCard had been changed, and had I changed it? I said no, I did not. The representative said no problem and that he would issue a new card. 

A few weeks later, I get a card statement saying I owe some {$4000.00} on my card for cash advances. 

I call and explain that I did NOT use this card to take out any money, that the PIN had been changed without my knowledge and that charges had been made without my knowledge, but that SHOULD have been noted by the card representative. 

They start a fraud investigation. A few weeks later, they send me a letter that it was me who withdrew the money and that I owed it. Repeat this three times. Finally, they send it to collections.

Collections calls, and I explain, and they send it back to Barclays. Months later ( XXXX ) collections calls again, says my fraud claim was denied. I ask them to take it back to the bank and they did. 

I get a letter today XX/XX/2020 saying they did a thorough investigation and it is not fraud and that I am responsible for the balance. 

I tried calling their number but no one ever picked up after an hour on hold. 

I did NOT withdraw those funds. I have not used that card since right after I opened it. It was my backup card.

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 2017-11-14
Company: JPMORGAN CHASE & CO.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
DATE : XX/XX/2017 Amount : {$10000.00} Sitauation : Sister searching for used car, loan was supposed to be {$9000.00} total, but due to aggressive sales tactics, my Mother and Sister agreed to have the warranty put onto the loan, which I would have avised against. 

Approximately 2 weeks after buying the car, my Mother and Sister read an article about the car they had just purchased, a XXXX, was having a recall due to frequent transmission failures on the vehicle. My Sister then tried to use the warranty she had purchased to return the car free of charge to be given a replacement transmission. This request was denied. 

Issue 1 : XXXX XXXX XXXX knowingly sold a car currently under recall to consumers, and sold a faulty warranty to these consumers, offering no protection. 

Issue 2 : XXXX XXXX XXXX ( XXXX, IN ) requested auto loans to 6 different credit agencies, causing 6 different credit checks to be place on my sister 's and my credit reports. Acourding to XXXX my credit dropped 45 points because of the incident. If I, the cosigner, would have known 6 hits on my credit were to happen, I would have applied for the loan myself in my own name at my own bank. This is careless, and quite frankly, willingly ignorant for a company to take this action.
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it may concern : I had a collection placed on my account that dropped my score over 40 points for a debt that I paid over a month ago and the collection agency was well aware. This debt was paid in full and a simple contact with the original creditor would have proved it as such. I paid the past due balance and returned the equipment. The collection account is for the amount billed for the returned equipment that XXXX XXXX XXXX guaranteed would be wiped clean if I returned the equipment which I did on XX/XX/21. I have attached the receipt. I was unable to get a receipt for the rest of the paid amount. 

I really believe this was and intentional and malicious attempt to harm my credit because my contacts with the original creditor for the past couple of weeks I have been told that I have a {$0.00} balance if I returned the equipment. A simple contact between the collection agency and the original creditor would have shown that this bill was paid. If this isn't intentional then it's obviously negligent and this business needs to be reprimanded. I've been working extremely hard to repair my credit now I have to spend time, and money on certified mailings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 I was approached online via email from a person wishing to purchase art from me. I agreed to create art for them and they sent me a check in the mail. The check had several security features and appeared to be from a reputable source. I deposited the check into my Wells Fargo checking account. Part of the money sent was to be for a shipping agent who was supposed to pick up the art from my home. Once the check cleared ( or appeared to clear ), I sent {$1800.00} to her shipping agent via online payment services. I also ordered her canvases from my printer. She then canceled her order and asked for a refund. Since the funds had appeared to clear, I processed her refund for about another {$1000.00} total. The check bounced after I paid her the refund which resulted in my account being overdrawn in excess of {$3000.00} including fees. Im on social security XXXX and only make about {$700.00} a month. The bank never should have made the funds available if the check was bad. I went into the bank and asked what I could do and they said there was nothing I could do but pay the {$3000.00} to get my account back in good standing. They are also charging daily overdraft fees. Its an unfair banking practice. I did nothing wrong, in fact they said they made the funds available because Ive never bounced a check and have been a good customer. Im scrambling trying to open a new account for my XXXX benefits to be deposited into each month. Until I can do that I have to have social security send paper checks, a major inconvenience when I did absolutely nothing wrong. I have also reported the person of the transaction that scammed me to the consumer protection agency.

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