BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-23
Company: Selene Finance LP
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
received a call from the company and was told that the check had not arrived. I stopped payment on the check and then on XX/XX/2018 the check cleared my account throwing me {$890.00} into the negative. Thursday was XXXX so Friday morning I went to XXXX XXXX  to fix this matter. They could not refund the money because it had been hard paid on Thursday which was a holiday. They spent 3 hours calling the company faxing documents as per customer service agent XXXX 's request. Then we called to find out if they had received the papers and were told it would take 24 to 48 hours for them to receive them. That means they will not receive the fax till Monday or Tuesday and then it will take 3 to 5 days to get the money back into my account. This is unacceptable as I am in the negative now! I have other bills that will be coming out of this account that have already been mailed out because this money was never supposed to leave the account. Then after 6 hours I called again and spoke to someone named XXXX who told me there was nothing he could do that this was their policy and we were stuck with it. He also could not give me a last name and ID number or a direct line to call him back on Monday to find out if they have received the papers. I have never dealt with such an incompetent company in my life. Last month they lost our checks as well and miraculously found them 3 days later. I would like my money immediately since they received it immediately when they put the check in the bank. We are not living in caveman days it does not take 2 days to get a fax. It also does not take 3 to 5 days to transfer money from one place to another. It should be by the end of business today. What am I supposed to do to pay my bills when they have basically stolen money from me and are holding it hostage I would like a phone call, and email, or a letter from you telling me what you plan to do about this. This company is not doing business in a reputable and upstanding way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Erroneous item CHASE # XXXX ( or Chase Mortgage XXXX. ) reported by Chase to all three credit bureaus. I have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. Chase has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. To properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. Chase has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX /2017 : filed a complaint with CFPB  XXXX /2017 : ProCollect is contacting me directly at my personal number. I provided proof that I do not owe the debt  XXXX /2017 directly to ProCollect. ProCollect should  be contacting me through my attorney but are instead harassing me at my personal number and claiming I gave fake information for my Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I bought a new car but with XXXX  miles on it I noticed sensor lights on. I took it back to the dealer service department on XX/XX/2019 and was told not to worry even though I had great concerns. An appointment was set for XX/XX/2019. On XX/XX/XXXX while returning home from a VA Hospital appointment all sensors failed. The dealer wasn't available to help. upon getting home I called Hyundai Finance and Hyundai Corporate Offices in California. They told me to have it towed to the dealer, this was done on XX/XX/2019. I was given a case # by Hyundai Finance ( XXXX ). Nothing was done to repair the vehicle because I was told I had to pay for repairs even though the Hyundai Warranty, and a Carefree Car Protection policy had been purchased at the time of the car purchase. So the car sat in the dealers lot for over six weeks and since has been taken somewhere else. I still receive billing from Hyundai Finance for payments past due. The loan amount is {$23000.00} and the past due amount is {$620.00}. I haven't seen or had service of the vehicle since XX/XX/2019. I've tried to work with them but now get no response to my e-mail letters. I think that Hyundai has covered up an internal issue with my vehicle. I do know about the complaints and fire issues that this company is currently dealing with The Center for Auto Safety and Congress of The United States of America.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2021 I was contacted by Chime banking that my account would be placed on hold due to suspicious activity. I said ok keep it on hold until I send a pic video proof of residence and then I was locked out my email accounts, at this time didn't know why someone kept trying to gain access to that account.. not knowing at the time my 3 stimulus had been deposited into that account. XX/XX/1200, XXXX XXXX, and XXXX XXXX the hacker would lock me out of my email to keep me from logging so I had to change email address like 4 times. I contacted authorities and the FBI. I submitted screenshots emails and was sure to include the detective in all emails. I disputed all, three payments it was denied. So I called and one rep did state that the logings were coming out of the county but my device is compromised and it's showing XXXX Texas. So now it has been well over 4 months and I've yet to receive my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Atlanticus Services Corporation
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: Information belongs to someone else

Complaint:
the following accounts appear on my credit report, without any authorization, this is not mine, please check them XXXX XXXX XXXX  Account Number : XXXX This is not mine. 
XXXXFORTIVA Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: CORELOGIC INC
State: NC
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't 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 2022-08-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX I deposited a check for {$3900.00} through Chase XXXX XXXX from an XXXX XXXX Campaign for XXXX XXXX XXXX, so I thought , but apparently it was a scam. The check cleared but then they had a hold on the check processing but the funds was not removed. It was confusing so I called the bank XXXX and talked to 2 representatives. The 1st said she believed something was wrong with the check and that it should clear by XXXX but she wasn't sure, so she transferred me to the deposit department which would have more information about the check since they handled it. I talked to a rep in the Deposit Dept. He told me that the check was good and the funds were available. I asked about the hold and he told me that I shouldn't worry about it and that it should fall off, but I was good to go to spend the funding. I confirmed 3 times with him before I hung up that it was okay to spend the money and he said yes. So the instructions for the campaign was to transfer {$2000.00} XXXX to a XXXX XXXX at XXXX XXXX XXXX and {$1200.00} through XXXX XXXX $ XXXX to pay for the wrapping on the vehicle. I was given an appointment for XXXX at XXXX. The next day my account was negative and the hold was legit. I called the bank XXXX informing that the rep in the deposit department gave me the okay and had he not, I would have held out in spending the cleared deposit until whatever investigation they were doing on the check had cleared. I had did my due diligence in checking beforehand, but apparently they did not do theirs which caused me to issue out {$3200.00} of which I did not have. And all they could do was apologize for the reps misguided information. I called back XXXX to contest again to see if I could be covered for the transactions since technically it was their fault and repercussions should be done. They said they might be able to do something about the XXXX XXXX payment of {$1200.00} since I was schedule to have my car wrap and it didn't happen so it was services un-rendered, however they could not do anything about the XXXX payment of {$2000.00} and I would have to go through XXXX to contest, so I filed a scam report with XXXX and have not heard back from them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: GA
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:
Equifax is continuing to furnish a report without written consentI have sent several letters stating I didnt give them permission to furnish anything on my report 15 usc 1681 section 604 A section 2.

15 usc 1681 section 2 : states I have a right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: VALLEY NATIONAL BANCORP
State: NY
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:
I have these items that are not mine and i want them to be removed. 

XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX MT Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft VLLY NAT BK Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is my third complaint to you. Each time I put in a complaint it comes back with answer that is not helping. They answer with a generic response and no willingness to cooperate whatsoever.

1- We were given a modification that was higher than the initial trial payments making it very difficult to pay.

2 - I was given covid relief during the 7 months in question after the modification which they will not acknowledge.

3 - They have added on extra interest that my modification does not call for and refuse to deal with this in a humane way.

4 - They have gone against the foreclosure rules of the state of California and Federal government and are threatening to foreclose my house.

5 - I have asked for a complete 5 year accounting of all debits and credits and I have never received it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have a n Auto loan with Bridgecrest Finance comp any when I lived in  XXXX . I am trying to get tags to my car in  XXXX . I faxed the a form for them to send my title to  XXXX  the end of  XXXX . I called them the beginning of  XXXX  to see if they sent my title to  XXXX . They said they did n't get the form. I faxed it again the beginning of  XXXX  and called them to see if they got it. They said they did get it and it would take abou t 3 to  5 days to get my title and send it to  XXXX . I have been calling them at least once a week to see if they sent my title. They keep telling me they have to get the title and send it. They keep telling me it will t ake 3 to  5 days. Now I have been out of work for 5 days and still ca n't get my tags because they are refusing to send it. My next car payment is due on  XXXX / XXXX /   2017  and I do n't have the money to pay them due to me being out of work due to them not sending my title.

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 2021-09-10
Company: JPMORGAN CHASE & CO.
State: NY
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:
I have these items that are not mine and i want them to be removed. 

XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft JPMCB AUTO  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft JPMCB AUTO Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been negotiating a repayment plan with Wells Fargo. However, every time we had an understanding, Wells Fargo " moved the goal posts '' beyond my reach. I asked them, through XXXX XXXX XXXX, who helped me during this stressful moment, for a reinstatement figure. However, Wells Fargo gave me an inflated amount orally. In other words, they never had the decency to give me a written reinstatement letter. Even though we were talking about a repayment, they went forward with a foreclosure process against me. On or about XX/XX/XXXX, they said that they were going to include legal fees on my reinstatement figures. Finally, I got a reinstatement letter after several attempts. One of Wells Fargo 's representatives asked me if " I had the money to pay them back. '' In other words, the reason why I never got a reinstatement letter before was because the people who handled my request for repayment thought I was not going to be able to pay them back. On or XX/XX/XXXX, paid them {$13000.00}. But, days later, Wells Fargo, through their attorneys filed a foreclosure against me. I think they also say I owe them {$300.00} because of late fees. I hope they do the right thing and forgive said money. It is unfair that they spent legal fees on a situation that we were working on.

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 2019-11-27
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
I had an credit card that I never excepted after it expired. It was a older account that I never received statements since I lived in my present address since XXXX. In XXXX of XXXX I was notified by debt collector I owed XXXX on a credit card. I reported to Citibank fraud that someone is using my account. I did pay XXXX on XX/XX/XXXX and updated my home and phone number which was not on Citi file. The only statement I received from Citi was XX/XX/XXXX with a balance of XXXX. My wife recalled using the account on 2 purchased XXXX XXXX XXXX for XXXX and XXXX XXXX for XXXX online purchase. I have no knowledge of any other purchases to create the XXXX balance.

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 2018-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2018- around XXXX in the afternoon while I was at work : 3 charges of {$250.00} each ( total of {$750.00} ) appeared on my checking account with Bank of America . Charges were done through XXXX application, that I had no knowledge of prior to this event. I was at work and remember checking my e-mail as I was expecting an employment letter. I noticed an e-mail from Bank of America asking me to verify, whether I just added " this person '' to my XXXX account. I clicked " no '', but thinking it was just a scam e-mail, out of habit I deleted the e-mail. I tried to log in to my online banking to check if everything was ok, but access was denied so I forgot about the whole thing. About an hour later I received a call from the Bank reporting a suspicious activity on my account. I spent about an hour on a phone with several bank reps and a fraud specialist, who stated that the fraud was done by someone who got access into my e-mail and stole my information through the Bank of America e-mails somehow. She also recommended me to immediately provide the Bank with a new e-mail address, freeze my account and open a new one and I did all that was recommended. 
XX/XX/2018 - 10 days after Bank 's investigation I called in to check on a status of the fraud investigation and I was told the following : " Unfortunately, we can NOT refund you the stolen money, as the fraud was done through your mobile device. '' I almost " passed out '' when I heard the news and felt that a big injustice was done and that someone somewhere needs to help me and other people just like me. I was recommended to contact my Mobile phone provider ( XXXX ) and ask for a letter stating that there is a virus on my phone. XXXX stated that they do NOT provide such letters. I was also recommended to file a police report which I a going to do tomorrow after speaking to the Bank in person. I have a bad feeling that they are not going to help me though, therefore, I am turning for help to others. I just need to do something as this does not feel right! 
Thank you for taking your time to read my 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 2021-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, Myself, My brother, My sister-in-law, My step-father, and mother received a voicemail from an " unknown '' number stating the following : XXXX XXXX is calling regarding a legal document she's is supposed to serve and have me sign tomorrow between XXXX and XXXX and if she didn't obtain a signature I would be marked on the document as failure to comply and the process will continue without me. The Phone number is ( XXXX ) XXXX. 

When I called the phone number back, an " XXXX XXXX '' answered the phone and told me that if I didn't set up a payment arrangement to handle an old debt with Capital One from XXXX, that I would be served for a civil litigation tomorrow. I asked for something in writing as I don't have this debt on my credit report and have not received any thing in the mail regarding this matter ever and she told me that I could not receive anything in writing unless I set up a payment arrangement. the more I questioned her the more she argued with me and said " have fun in court '' and it eventually got to the point of her hanging up. when I called back she answered the phone with a different name and eventually blocked my phone number.

Company response to consumer: Closed with explanation