BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-17
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
No Customer Service provided. Have phone several times to their ( XXXX ) XXXX Customer Relations Department, also to their " Residential Asset Manager '' Ms. XXXX XXXX, phone ( XXXX ) XXXX. 
On both cases left messages and nobody return the calls. 
Have told them that we need to move the due date, because our Social Security monthly payments don't arrive until last week of each month ... ..Deaf ears..!! 
Got the impression that instead of helping their customers, they do want to keep collecting " Past Due Fees ''. 
We are senior citizens. My wife XXXX is XXXX and I'm XXXX years old. 

On another subject, they did send us a letter, dated XXXX XXXX ' 2019, asking us that we need to send them proof of Homeowner 's Insurance. They did provide us with a website : XXXX XXXX XXXX, so that we can up-load our Insurance information, as we did on XXXX XXXX ' 2019, as shown by the reply we did receive from such enterprise saying : " Successful Save '' ... .Your Insurance data was saved. 
Now recently, we did receive another letter dated XXXX ' 2019 telling us that " This is the Second and final notice '' to provide the Proof of Insurance ...!!! 

Also, because of our complaints in writing, we received a letter dated XXXX XXXX, signed by XXXX XXXX at Customer Support Department, telling us that they have tried to contact us several times ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
We are close to our phone ALL day long and IF we go out, the phone line is transferred to our cellular phone, so we DOUBT very seriously of their words in writing, as expressed on their letter..!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I went into a local branch and closed my checking and savings account. It was brought down to a XXXX balance and I was told it was closed. I notified them that my direct deposit would be sent that friday and they reassured me it would be rejected by the bank and returned to the employer. The next day there was a credit reversal posted to the account. First thing Friday morning the direct deposit showed as pending on the account. I immediately went into a branch and talked to a banker. After calling customer service I was told there was nothing that could be done because there was a negative balance. They advised me to have my employer to reverse the deposit. They were unable to due to insufficient funds. Now I can not pay my bills because wells Fargo refuses to release the funds they assured me would never be accepted.

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 2019-07-02
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Attempted to establish contact with debt collector by mailing a letter to them. No response was sent back nor did I receive any follow up information of account on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sought assistance with obtaining my car title from this company and they have failed to send me the title. Its been longer than 45 days. 

I am disputing false late payments reported by this company.

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 2018-01-26
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX continues to assign an account to collection agencies that I do not owe. I contacted the last agency XXXX XXXX and told them this account is disputed because the service is still active and has never become delinquent. XXXX was handling the billing for XXXX XXXX and that billing was transferred back to XXXX XXXX. The XXXX XXXX account is currently active and has been for over 8 years. There is apparently some transfer of funds issue that occurred between the 2 large companies but the account has never been past due. Currently ERC is attempting to collect this debt. I thought it was closed back in XXXX of 2017 when I contacted XXXX XXXX and explained the internal billing error between these companies. My next course of action will be to file a lawsuit aginst all parties involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Express Recovery Services, Inc.
State: UT
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:
Express recovery - XXXX - is reporting an erroneous old account on my credit report that should have never went to collections and it was paid before it was even sent to collections! ON my report it shows it was paid XX/XX/2016 and Express recovery put it on credit XX/XX/2016 with no balance! What the heck! I have been disputing this with the bureaus and get no response! They are in violation and I have contacted my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
To whom it may concern, I was a customer with chase slate for many years with no history of any late or delinquent payments. Although i had an open account with them i did not use the credit card for any purchases during 2017, to my surprise my credit score dropped due to a negative report by this chase credit card. When i contacted them I was informed there was an XXXX subscription charge in XX/XX/2017. I informed chase that i had no idea about this charge, as i received no electronic notification of a bill. Furthermore I was unaware of the subscription charge by XXXX to this particular account. Due to such circumstances, and my overall 15 plus year of stellar credit history where i never missed a payment I kindly requested chase to take the circumstances into consideration emphasizing that i had never missed a payment in the past. They refused which subsequently harmed my ability to apply for a business credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Experian Information Solutions 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:
I'm disputing the following accounts, 1 ) XXXX XXXX   {$710.00}, 2 ) XXXX XXXX XXXX {$180.00} 3 )  XXXX XXXX XXXX {$450.00}, Due to my identity being lost, compromised and stolen. These accounts do not belong to me therefore I'm demanding that the credit reporting agencies Stop reporting such fraudulent accounts and block such accounts immediately. Or show just cause by providing me with certified physical documentation that shows otherwise. And as a general rule of law electronic Verification can not and should not be accepted as proof of any sort. Your cooperation is appreciated.

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 2019-09-17
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Citibank shared my information without my authorization. When I brought this to their attention I was told they can share information with whomever they believe to be. I was told they do not need to verify any account information prior to sharing information about an account. When I challeged this concept was once hung upon by a " manager ''. when I called back I was unable to relay my concern as a different manager would not communicate with me, stating that everything I had to say was a personal attack. I was unable to present my concern without first making payment. I am gravely concerned Citi bank has shared my information with others and I will not be able to discuss this without having to make a payment. The best I was able to achieve was a possible manager call back in no less than 15 days. This is unacceptable. I need your help to resolve this unauthorized information sharing.

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 2019-07-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I used to be a Consumer Loan Originator for OneMain Financial. I'm writing this complain to report my manager for actively discouraging employees from completing proper investigation into fraud alerts on consumer accounts. Names on titled loans were checked by calling a private licensing office and no effort was ever made to ask about or investigate fraud alerts on consumer accounts. I had several instances when I raised concern about fraud on consumer accounts only to be assuaged by my manager that we should lend out money with no further request for questioning or documentation. An extreme of this situation would be a consumer who applied with 17 cars and no money to start a business. My manager told me not to worry about the situation and to try to secure a loan on one of his vehicles without any further questioning.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: STATE FARM BANK, FSB
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My payment was due on XX/XX/XXXX and I made the payment at around XXXX MST. However, I was unaware that the payment needed to be made by XXXX XXXX Eastern Time, and I live 3 hours behind. Now I was charged a {$38.00} late fee which State Farm Bank refused to waive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: REGIONS FINANCIAL CORPORATION
State: FL
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:
Good afternoon, I am making a dispute against Regions bank, XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from Regions to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. 

However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.

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 2019-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
My XXXX sister and my information has been incorrectly reported on both our credit reports resulting in credit score decreases. I had contacted XXXX  to fix this issue in which is was but only until today when again something of my sisters credit card account from capital one, is being reported delinquent on my credit. I do not even have a credit card through that same company. I closed my account with them last XXXX. My score decreased significantly due to this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I transferred by wire transfer on XX/XX/XXXX, XXXX to Coinbase.com to be able to buy bit coin. The transfer was executed correctly by my Financial institution according to the directions on their website and it was received by the beneficiary bank, XXXX XXXX XXXX. It has not been applied to my online account and when I tried to call coinbase they do not take human calls and require an email to discuss the issue- after several tries to reach them I spoke to a person named " XXXX '' in the fraud department and he sent me email on XX/XX/XXXX saying he was working on the issue. When I emailed back to check status onXX/XX/XXXX I received a automatic reply that the email address I was given no longer accepted direct emails and I still do not have my XXXX back. I called XXXX XXXX and they said the money would be in Coinbase 's account and that Coinbase would have to release it back. They will not respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: JPMORGAN CHASE & CO.
State: NV
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:
On XX/XX/XXXX, I filed a charge dispute with my credit card issuer, Chase Bank regarding a charge made on XX/XX/XXXX with XXXX XXXX XXXX, under chargeback reason code 30. ( Failure of XXXX XXXX XXXX to provide service as stated in their service contract to me. 

I received acknowledgement of my dispute from Chase shortly thereafter, however on XX/XX/XXXX, I was advised by Chase that the dispute was closed due to no response from me to phone calls or letters mailed to me. I advised the Chase CSA 'XXXX '' that I never received no phone calls or correspondence from Chase through the pending dispute. XXXX advised me to resubmit the complaint requesting the dispute be opened. 

On XX/XX/XXXX, I resubmitted the dispute to Chase. 

Today, XX/XX/XXXX, I telephoned Chase for a update, since I never received any correspondence or update regarding the re-opening of this dispute. 

The Chase CSA ' XXXX ' advised that Chase did receive the dispute and it has been assigned and they are waiting for a response from the merchant. 

I asked if they ever received a response from the merchant since I initially opened the dispute on XX/XX/XXXX. He could not provide an answer. I asked XXXX, why Chase is not acknowledging my complaint received as required by law. he could not give me an answer. I asked XXXX if they have record of the aledgedly phone calls or letters mailed to me prior to Chase closing the dispute. He could not provide an answer. 

I believe Chase is not servicing this dispute in the time constraints required by credit protection law and request an intervention by the CFPB in this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09
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 information incorrect

Complaint:
I filed a dispute on my credit report and it has been well over thirty days without any investigation results.

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 2019-07-02
Company: FC HoldCo LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2019, I stopped by XXXX XXXX ( XXXX, XXXX, XXXX ) Dealership. I test drove a car and the sales rep was being very pushy about working numbers out even though I told him I was just looking around at several dealerships. Since they were about to close, he asked me to fill out the top of a form for his supervisor to show me some numbers without running my credit score and that he would call me back on Monday. 10 minutes after I left the dealership XXXX notified me XXXX XXXX 2 had added an inquiry to my report. On the morning of XXXX, XX/XX/2019, six more inquiries were added to my report from XXXX XXXX NEW ACCT XXXX., XXXX XXXX FLAGSHIP CREDIT ACE., and others. Later that day the sales rep called me to inform me I was approved for a loan of {$20000.00} and I confronted him about all the reports, and all he said was that in order to show me accurate financing numbers his supervisor had to run my report ( even though I had not authorized it ).

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 2018-12-28
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech bought my mortgage a few years ago. Since then I have had frequent problems with them. The most common problem is where they send two bills in a month. I have called them about this several times. They say it's an error and to ignore the second bill. This month, for the payment due XX/XX/18, I sent a check to them ( # XXXX ) on XX/XX/18 for the amount in full ( {$680.00} ). This check cleared with my bank ( XXXX XXXX  ) on XX/XX/18. About two weeks ago I get a second bill as had happened many times before. Based on what they had told me, I ignored the bill after looking online to make sure that they had actually cashed my XX/XX/18 payment. I received a letter today stating that they had not received my XX/XX/18 mortgage payment and that they were assessing a late fee of {$34.00}. I am tired of struggling with their ineffective customer service. I am also starting to wonder if their double billing is not an accident, but in fact an unfair business practice designed to dupe customers into paying late fees. Please help me to resolve this issue so that others do not also have similar problems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Experian Information Solutions Inc.
State: NV
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 errors on my credit report that need to be removed.

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 2021-07-20
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company repossessed car without proper legal notice. Received a different response than the one provided as an answer to my complaint. Very abusive over the phone asking for {$420.00} in repossession fees. I invoked my rights under 15 USC 1692 c. I was told that my account needs to be " current '' before I would be able to get my property back. I disputed the validity of the debt and they stole my property, lied to you, and basically said that I need to pay or they are selling my car in auction, which can occur anytime. When I contacted the assignee, they said that I had to pay before they would say where the car is. 

I am being extorted, abused, and terrorized by this company for invoking my rights.

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 2022-10-04
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:
XX/XX/XXXX I am writing to dispute the following information that appears on my Credit report XXXX XXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$800.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information. 

XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$560.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information. 

XXXXXXXX XXXX XXXXXXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information.

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