BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WV
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:
In XX/XX/XXXX I called Nissan Motor Finance to get a two month extension that they said I was approved for. In Early XX/XX/XXXX they were calling me and telling me I was 3 months behind. I told them I was not because I got the two month extension. They said I was approved for it but it wasnt applied. So I told them to apply it because I was already approved for it. They said they couldnt because I was showing three months behind. I told them that if they would have done it when it was approved I wouldnt be three months behind. I told them that I was going through a lawyer to file bankruptcy and now they are trying to repo the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: JPMORGAN CHASE & CO.
State: CA
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:
On or before XX/XX/2019 I applied for XXXX XXXX Credit Cards. My application was denied based on " too many CC opened in the last two years '' I reachout to Chase Bank and asked for explanation and definition of what is it too many CC, Chase refused to define and reply that that definition is a company lending practice and would not be disclosed. I spoke with XXXX XXXX Lead customer service in XXXX Arizona. 

I think Chase denied my application based on my location to be a low income and mostly people of color area ( XXXX XXXX  ). 

I ask CFPB to intervene and stop this illegal practice by Chase which is in reality discrimination in landing practice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
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 XXXX/XXXX/XXXX {$4900.00} was removed from my USAA checking account without authorization. Someone called USAA on the phone & convinced them to send a cashier check to a person & place that I have never heard of. I have all of the specific info regarding who the check was made out to & the address the check was sent to. 

I & the others on this account spent much of XXXX/XXXX/XXXX on the phone with the bank that sent the check. They said they would try to get the money back but it is probably gone. There were also a couple other fees charged to us at the same time, for the unstoppable check & expedited mailing. 

I filed a police report. The money is still gone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I cant find my Edd card in my mailbox earlier so I got it recently and didnt meet any amount on it, I got it recently and couldnt find anything on it anymore I receive a debit of {$1500.00} on the date of XX/XX/2021 Another debit of {$1500.00} on the date of XX/XX/2021 Another debit of {$1500.00} on the date of XX/XX/2021 The last debit was {$750.00} all was Direct deposit transfer funds to checking/savings account I really need this money for myself cuz Im stuck out here, need some help no one if helping

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 2017-07-31
Company: U.S. BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I received a phone call today telling me a court case was being opened up on me to bring criminal charges against me. I called the number on the message and they informed me this was regarding a bank account that I closed with U.S Bank back in 2005. They stated U.S Bank is bringing charges for attempting to defraud a financial institution for overdraft fees left on the account. I never received any notices in the mail or phone calls stating I had a negative balance left on the account after I closed the account. The amount was never placed on my credit showing I owed this balance, and by my accounts I did not know I owed them anything until I received this phone call today. The amount that they 're saying was left on the account is {$760.00}, but the amount owed in the court document is {$2200.00}. I do not agree with this, I believe this may be potential fraud and I should not be held liable for something that I did not know was out there until 12 years later.

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 2018-01-10
Company: Receivables Performance Management, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have called this company several times to let them know that i have dealt with this account directly with XXXX. XXXX has advised me multiple times to deal with them directly to resolve this matter. Now it is reporting on my credit report and i dont owe XXXX XXXX anything

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 2018-01-10
Company: CNG HOLDINGS INC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX XXXX I leased a refridgerator from XXXX. Shortly after I started having problems with the fridge/freezer getting too warm or too cold and ruining much of my foods. After constantly throwing out food I contacted XXXX and they instructed me to call XXXX because i didnt get an extended warranty plan with them, therefore XXXX would have to service my refrigerator. XXXX gave me XXXX phone number and I called relentlessly over the course of a month but no answer, so I called XXXX back and they gave me another number for XXXX which I called for weeks with no answer. I called sears yet again and the manager instructed me to call XXXX XXXX XXXX XXXX because there was nothing more they could do for me. I called XXXX XXXX XXXX XXXX and explained what was going on and i was given yet another number for XXXX which i called faithfully for several weeks and no answer, so I called XXXX XXXX XXXX XXXX again and spoke with another rep. explained the situation and he said i should of reported it within the 1st 30 days ; I explained I report the problem when it occurred. He said if a freezer/fridge is getting to cold or too hot then someone has been in the back of it messing around with the coils or panels. I said that was ridiculous I dont know the first thing about fixing refrigerators and would never attempt to fix it. He said oh no we dont fix merchandise you damaged and i repeated I didnt damage it or go in the back messing around with the fridge. When I was getting the fridge from XXXX and XXXX XXXX XXXX they told me the refrigerator would be serviced by XXXX for the duration of my lease if something goes wrong. When I desperately needed help I they failed me and I got the run-around from both. A refrigerator is one of the most important appliance in a house to anyone and to be without one yet again and still paying and getting treated as I was when i faithfully fulfilled my end of the agreement as you will see in the documents i will send. I stopped making payments and told the rep they are in breach of contract stopped payment. Now XXXX has closed absolving them of any responsibility. I have given XXXX and XXXX XXXX XXXX {$1300.00} to date the original cost of the fridge was {$550.00}. Now they are sending collectors after me for {$1000.00} they should bow their head in shame and apologize they truely hurt me. I wasted time grocery shopping, money and only to have it ruin. May they too go out of business as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: EQUIFAX, INC.
State: WV
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 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 2022-08-11
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX and XX/XX/XXXX after making a payment to be applied to my mortgage I get these messages that state : On XX/XX/XXXX, $ XXXX was received for PNC mortgage ending in XXXX. Funds intended as a mortgage payment are applied when a full monthly payment is received. 

And it's my understanding the according to regulation the payment must be applied when received. 

https : //www.consumerfinance.gov/rules-policy/regulations/1026/10/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: JPMORGAN CHASE & CO.
State: NM
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 received an email supposedly from XXXX XXXX charging me {$400.00}. I have never purchased antivirus. 
XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ago ) to XXXX, XXXX : me Thank you for your order, Here is your details INVOICE ID Product Details XXXX XXXX XXXX XXXX XXXX Security Order Summary INVOICE NUMBER : XXXX Issue Date : XXXX XX/XX/2022 Finish Date : One year from Start Date Payment Mode : Auto debit from account Status : Completed Item Title Quantity Total XXXX XXXX XXXX XXXX Security ( XXXX ) XXXX {$400.00} USD Sub-total {$400.00} USD XXXX XXXX Total {$400.00} USD If you wish to not to continue subscription and ask for a REFUND then please feel free to call our Billing Department as soon as possible. 
You can Reach us on : XXXX ( XXXX ) ( XXXX ) XXXX - Sincerely, Billing Department

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a dispute on XX/XX/2017 with Transunion through XXXX XXXX. My dispute is over the validation/verification of my Bankruptcy. Since it has been over 30 days I want the Bankruptcy # XXXX removed because Transunion has not provided proof of validation of the Bankruptcy # 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 2017-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter from Bank of America on XXXX XXXX, 2017 dated XXXX XXXX, 2017 that my checking account was going to be closed and that my Debit card would be inactive in 21 days, and closed in 30 days and that this was a business decision, no further information or explanation would be provided and the decision would not be reconsidered. I immediately went into the bank and presented the letter and the agent looked up my account and indicated that it was not schedule for closured and the letter should be disregarded. I used my debit card on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the morning of XX/XX/XXXX without issue. Over the past week I have had several deposits made into this account and now I can not even transfer the money into my savings account so that I may access it. I attempted to use my debit card the afternoon of XX/XX/XXXX and my card was declined. I attempted to call the bank and it indicated that I no longer had a debit card or a checking account with Bank of America. I have had this account for over 12 years, and I have never had any irregular activity or overdrafts. I do not owe Bank of America any money and I have received no other communication about why the status of my account has changed. I called the number provided on the letter for questions, and the agent repeated about 12 times- this was a bank of america decision and the reason is that your agreement says we can close the account at any time and we do not have a reason to provide. I now have no access to my funds, and I can not pay my bills because I can not transfer it and all of my direct deposits go into this account and my automatic withdrawals come out of this account as well. I have been halted from doing business and pending transfers into this account are in limbo- this is beyond an inconvenience and has caused me to experience loss of business and public embarrassment.

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 2019-04-22
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello - In XXXX of XX/XX/2018, my mortgage was transferred to another company. There were 2 payments not applied to my account during this process ( end of XXXX/beginning of XXXX ). I have bee trying to work this out with the current mortgage company since mid-XX/XX/2018. I have sent banking info for the ACH withdrawl 's and tracing info from my XXXX account to XXXX. Emails and calls are simply transferred to a different department and they tell me either no one can assist or they will look into it. It has been 4 months and I have gotten no where. 

Payments are still made to XXXX ( via mail now ), but the below is who the account was transferred to ( email XXXX ; XXXX ) : XXXX Dovenmuehle Mortgage , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ID # XXXX, Ref # XXXX XX/XX/XXXX XXXX ID # XXXX, Ref # XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : MEDICAL ) 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 2019-09-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Unbeknownst to me, I was involved in a scam and lost {$110.00} through the P2P money transfer service 'XXXX '. Immediately after realizing I had been scammed, I contacted both XXXX and my bank that was linked to the app, Chase. XXXX could not cancel the transaction I made to the scammer but assured me that I would be able to resolve the matter with Chase by simply filing a fraudulent claim on the transaction. My first phone call with a claims rep at Chase assured me that once the transaction cleared that I would be able to file a dispute against it. A few days later I call back and another rep in the same dept. tells me that it wouldn't be possible due to what is essentially semantics. Instead, I went to a Chase branch ( located at XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ) and was able to successfully file a dispute against the charge. I received a credit for the {$110.00} and I even went so far as to let them know that I would be able to provide solid evidence that I was indeed scammed and never received the intended product. A few weeks go by and I receive no communication from Chase 's claim dept. about the dispute, which led me to believe that it was resolved successfully. Until this morning when I check my savings account and see that there was a reversal of the {$110.00} on my account and no explanation as to why. I spoke to a claims rep and two different branch reps today and this time made sure to give them the evidence I had about the issue, including emails chains with a XXXX rep that instructed me to deal with Chase directly. I am now missing {$110.00} for second time in two months and Chase seemingly will protect me as a client on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up for XXXX in XX/XX/XXXX. 
I decided to cancel in XX/XX/XXXX. 
After I cancelled I began to receive demands from XXXX to pay a {$190.00} early cancellation fee. 
I never agreed to any commitment at all! I was with XXXX for 11 years! What more commitment do they want? 
I called customer service and was on the phone for almost an hour trying to get this resolved. Unfortunately, the representatives they use are overseas and not very helpful. They told me that I had agreed to a 2 year deal to get a discount, and they couldn't help me. I NEVER agreed verbally or in writing. I asked them to provide me with a phone recording or my signature. They could not do either. 
Finally, they suggested that I send an email to customer service. I did that. About a week later, I got a response telling me to call!!! So on the phone they tell me to email, and on the email they tell me to call. 
I then went in to an XXXX store for help. The manager said he would take care of it, and apparently never did. 

Now I just found out that XXXX put a derogatory entry in my credit report! This is OUTRAGEOUS! 
I have no idea who to speak with. Everybody that answers the phone there is another country that can not help. Nobody gives any answers via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: ACIMA CREDIT, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/18 I purchased a remote start system, door speakers and had my windows tinted at XXXXXXXX XXXX XXXX XXXX I was told I was being financed and it would go through Acima credit. When I got the approval email I was informed it was actually a lease agreement. I never was asked too sign anything instead a text was sent too me that the merchant told me they needed to put into the system it stated Notice! Using this code is equal to physically signing your lease agreement with Acima. Code : 5768 ( Reply STOP to  unsubscribe ) the lease was never presented nor read too me. I never received a copy or anything. The work I had done was roughly around 800 some odd dollars. With a early buyout option for 900 some odd dollars. I was told originally by the merchant the early pay off was the amount of which I had the work done for but later found it out it was actually about {$100.00} dollars more. Meanwhile I didnt make the early payoff date and was later informed that Id have to pay installments on the lease that equalled up too almost 1900 dollars. I never was informed of this if I had been I definitely wouldnt have agreed too it. I contacted acima trying to get a copy where I signed something stating this and they told me that it was signed using that code they sent me. I never even had a chance too read anything as the merchant had it all on his computer. I asked why I was never sent a copy or anything of the lease agreement. And they told me I was sent one. I then asked for them them to send me some form of documentation as too when they sent the supposed email and they told me they couldnt provide me with that information for security purposes. They never sent me a lease agreement Ive went through every email from them including my junk and spam folders and never was informed of this. Im just now finding out theyre charging me for this XXXX dollars for XXXX dollars worth of work because Im in the process of purchasing my first home. And was informed this lease had to be taken off my credit before I could close.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: MB FINANCIAL, INC.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We refinanced our home, signing the Closing Documents on or before XXXX XXXX, XXXX. The loan was funded on or about XXXX XXXX, XXXX. The old loan did n't pay off on or about XXXX XXXX. We had n't paid our XXXX XXXX payment so it was reported delinquent. We have recently been notified another payment was reported as delinquent in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX XXXX Fifth Third performed an unauthorized hard inquiry on my credit report, i did not authorized such inquiry and it is affecting my XXXX XXXX. I tried contacting the Bank without any success.

Company response to consumer: Closed with explanation