BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-04
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted the Winn Law Group to get information on a collections account that is being handled by them. They told me they could not give me any information because I was being represented by an attorney. I told them that was no longer the case, they asked that I send that in writing. I sent that in writing as requested, then I call back and they tell me they still cant give me I formation because the letter doesnt state that Im validating the account ( which they never asked me to do that in the first place ) I call back and ask why I wasnt told that because i could of easily done that the fist time. Once again I sent what they requested, another letter that stated I wasnt being represented by an attorney and that I am validating the account. I call back thinking Im going to get information finally and Im told they still cant give me any information because the letter I sent doesnt state that I am not disputing the account. At this point I am very frustrated because again I wrote what they told me to and at no moment did they say I should write that. The letter I wrote clearly stated my name, social and that I understood the balance in the account and that I am ready to pay it off / negotiate. This company is a joke. Theyre employees are not efficient at all. I have been trying to pay this off for about a month now and I still cant get any information because now they dont pick up my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX, I purchased a used vehicle from a local auto dealer. The loan, to finance the purchase, is through Fifth Third Bank , National Association. 
I have made all payments thus far ahead of time. 
I created a login with Fifth Third Bank to make loan payments and monitor my loan progress and status. 

1 ) The nearest Fifth Third Bank location is over 300 miles from me.

2 ) I am unable to reach a customer service representative by phone because I do not have a checking account number and their automated answering system does not recognize my Social Security Number.

3 ) The web site does not allow me to see how loan payments are applied.

4 ) The web site does not allow me to see when my next payment is due.

5 ) The web site does not allow me to see the full history of my loan.

6 ) The web site does not allow me to set up an automatic draft on my checking account where my Social Security Income is drafted. 

This is quite concerning to me, considering : - the negative effect these bank shortfalls have on low income customers, - the fact that a customer can not talk to an employee of Fifth Third Bank, even after holding for over an hour ( low income people do not have the time during the working day to take hours out to wait on their bank to answer their customer service calls ), - the hundreds of complaints lodged on Fifth Third 's website against the bank that continue to go unanswered. 

The CFPB has the responsibility and authority to protect those of us who are barred from contacting their bank and are unable to obtain basic information. Please stand up for us! 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I thought entered into a consumer credit transaction with Comerica a few years ago. However, it seems I was deceptively lured into a consumer credit transaction with XXXX XXXX XXXX. I recently sent XXXX XXXX XXXX a debt validation letter over three week ago. I am yet to receive a response back about this correspondence. XXXX XXXX XXXX took monthly cash payments for a credit card I used for consumer credit transactions which included finance charges. I am curious to understand why they would do this? Attached is my debt validation letter that was sent and received/ signed for at that specific address/location.

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 2020-05-20
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
upon closing of CFPB # XXXX the party " Chase '' stated within its response -- that they believe the Deceased was not released from liability when in fact the deceased ( 2003 ) was a Co Joint Tenant and is legally released from liability. This has gone on for years and needs to end!! If I am forced to file another law suit many other Defendants will be added including XXXX XXXX law bunch -- especially attorney XXXX XXXX XXXX whom obviously is an XXXX looking to kill this person with stress being high risk for covid19. I am demanding this stop here with this foreclosure XXXX!! Chase has no standing, only I do!! The deceased co joint tenant can not legally be held liable please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, the consumer, disputed this debt in XX/XX/2020 with XXXX , XXXXXXXX After an investigation, the credit bureau concluded that these accounts were incorrect, and sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XXXX XXXX, Midland Credit Management has continued to report the erroneous information to other credit bureaus, attempted to collect, and has continued to operate in violation of the Fair Credit Reporting Act, ss611.5Ai. I have resubmitted documentation to MCM, per their reluctant suggestion and would like the assistance of the CFPB in resolving this gross negligence in credit reporting. 

MCM Account numbers : XXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04
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:
I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud.

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 2023-01-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refusal or Slow responce to PMI Removal letter. 
SPS has not responded to my request to suspend and remove Mortgage Insurance.

I have met all cirtera for removal. See loan infomation below.

Account Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Select Portfolio Servicing , Inc . 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Original Loan Amount {$270000.00} Loan Type Conventional With PMI XXXX XXXX XXXXXXXX XXXX XXXX Monthly Premium {$46.00} Next Premium Due On XXXX Current Loan To Value 59.60 %

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: HYUNDAI CAPITAL AMERICA
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX we purchased a brand new Hyundai Sonata from XXXX XXXX in XXXX Utah. We opted to put it on a loan ( altho we could have written a check and paid for it outright ) as they were offering an additional {$1000.00} in rebates. So we financed it and their finance department told us to pay a large chunk as soon as the loan was live online. 
The loan is through XXXX XXXX ( XXXX ), not through the local dealer and the problem lies with XXXX XXXX. 

On XX/XX/XXXX I made a payment of {$24000.00} that was to be applied 100 % to principle only. But they did not do that. They applied it to principle ( {$24000.00} ) & interest ( {$34.00} ). This made a complete mess of the loan. We should have 6 or 7 payments of {$440.00} each remaining, the payoff should occur in XXXX or XX/XX/XXXX. 

But their mistake caused multiple problems : 1. It changed the due date of my NEXT payment to XX/XX/XXXX! 
2. It changed the amount due for each payment to {$300.00} instead of {$440.00} I have called them 6 times at ( XXXX ) XXXX and I am getting the run around. 

I called first on XX/XX/XXXX as that is when I first noticed the error. I was told it should be fixed in 24 hours. It was not fixed in 24 hours. 
I called again on XX/XX/XXXX and was given the runaround again and this time I was told it would take 3-4 business days to reverse the payment and apply 100 % of it to principle. 
I called on XX/XX/XXXX as the problem was still not fixed. At this point I asked for a supervisor who was supposed to escalate it. 
I called on XX/XX/XXXX when I went online and found no changes to my account again. 
I called today, XX/XX/XXXX and was finally given to a supervisor named XXXX who told me that she would take care of it TODAY and call me back. Right now, 4 1/2 hours have elapsed and she has NOT called me back. So I called again and this time I got someone named XXXX. I asked her to transfer me to XXXX. She told me that she didn't know who XXXX was and couldn't do that. And yet, after I told her my next step would be to file this complaint, she had a miraculous restoration of memory and she told me that XXXX must be on a break or out at lunch. ( So she was lying to me in the first place about not knowing who XXXX is or where she was ). XXXX told me she would submit the request AGAIN and it would take ANOTHER 3-4 days. By this time, I'm boiling over and I said, " You have been telling me that for 9 days! '' So that is where I left it. I am frustrated beyond belief and in the meantime, we continue to accrue interest on the loan that we should not be accruing. 
I have dealt with them before on a short-term loan ( similar circumstances ) and just getting a simple address change done took 8-9 phone calls. They are maddening and should be thoroughly investigated. 
XXXX would like us to recommend them to our friends. Sorry. I can recommend the car itself but I would never, ever recommend XXXX XXXX to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: EQUIFAX, INC.
State: IL
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 uploaded a letter to XXXX, Equifax and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, Equifax or XXXX does not have any files to verify these accounts, nor will they delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX a deposit of {$2700.00} was made into my checking account. I did not make the deposit, neither did my husband, who also shares this account. The same evening I called to report the deposit and spoke to a Chase rep who put me on hold at first and later said the money was meant for my account. I took no further action believing the bank would discover its error and correct it. The deposit slip was from some immigration company and the deposit was for an insurance company. The deposit image is no longer available for me to copy and submit. On XX/XX/XXXX upon logging into my bank acct I noticed a XXXX balance in my checking acct and a balance of {$230.00} in my savings acct. I spoke to three people in three different departments and I was told the {$2700.00} was deposited in error and debited from my checking acct, however the amount of {$2200.00} was transferred to my checking acct for overdraft protection. I was told the money is " on hold '' until XX/XX/XXXX. As of present I am missing {$520.00} from my checking account and {$2200.00} from my savings acct. My desired outcome is to have this money restored back to my acct immediately not in the near distant future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
hi there was a fraud with my wire transfer to my coinbase I lost XXXX dolors I called my bank if they can recover my money and cost these transactions but they did not help me

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 2021-01-22
Company: U.S. BANCORP
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I Filled In XXXX And I Haven't Received No Benefits Yet

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 2020-09-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In XXXX of this year 2020 I filed disputes with XXXX, Experian and XXXX  I yet to receive anything from them on this matter. I understand that with covid19 going things have slow down but 4 month later is not acceptable. There should be no reason why I havent got a reply from any of three bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: ENCORE CAPITAL GROUP INC.
State: AL
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:
Midland funding and XXXX XXXX XXXX XXXX ARE ATTEMPTING to garnish my wages when I wasnt served proper paper work and I have put in a dispute through XXXX XXXX and when I asked for the original signed contract they were not able to provide it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Square Inc
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2020 Card purchase CASH APP*CHRISTIAN XXXX CA XXXX {$1000.00} Details Description : Card purchase CASH APP*CHRISTIAN XXXX CA XXXX Date : XX/XX/2020 Type : Debit I had an agreement for a rental that was sent with an agreement to sign. I discovered after that the rental was not autherized to be used under this person. They had me pay with XXXX and I issued a return within XXXX hours of doing so but the user declined. I never recieved this rental and I called my bank to dispute that very next day. The just now issued a credit reversal saying they can not confirm because of a XXXX party. I called police and gave them all the details as well. The user name was XXXX for XXXX. XXXX user - craigslist XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Today I submitted an application to open a business account with NFCU. My business is XXXX at XXXX whereas we offer XXXX  XXXX  XXXX  particularly for XXXX-XXXX  for a fee. The XXXX  code is XXXX for consulting. The NFCU representative ( XXXX ) told me that is considered " financial '' and therefore, the account could not be opened. I asked why? Since I do not perform any financial transactions on behalf of any business. Reviewing a company 's operations and giving advice ( that may or may not be implemented ) does not constitute a financial business. I asked him what the appeal process is and he stated " there is none '' and that his decision is final. Consulting is not financial otherwise there would not be separate XXXX  codes differentiating the two. XXXX clearly needs training.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In XXXX of this year 2020 I filed disputes with XXXX, XXXX  and Transunion I yet to receive anything from them on this matter. I understand that with covid19 going things have slow down but 4 month later is not acceptable. There should be no reason why I havent got a reply from any of three bureaus.

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 2020-01-21
Company: Experian Information Solutions Inc.
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:
Dear Credit Bureaus, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions Inc.
State: LA
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:
see Equifax attachment please remove it FTC or HIPPS, FCRA violations

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 2020-09-04
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have 2 accounts with Synchrony Bank. One was for a Rooms to go Card and one was for an Amazon Card. I fell behind on these accounts due to the illness of my father resulting in him moving in with me and my having to be his XXXXXXXX XXXXXXXX   and do his XXXX at home. He recently passed and I am trying to correct this. I contacted Synchrony bank and was told that they could not take a payment for the outstanding balance because they had sent me a 1099-C. Now I have to pay taxes on this amount and they refuse to update the status on my credit report. If they want to forgive the debt and not let me make it right, it is unfair that they continue to report a closed account with a balance which is affecting my overall credit utilization and my credit score and making us unable to qualify for a home loan. I am requesting that they either let me pay the debt back, or update the credit reporting to show a zero balance ( since the debt was forgiven and I have had to pay taxes on it. ) If they had sent it to a collections agency it would have been less harmful than this because it would have shown as a collection and not a continually negative item that is closed but still has a balance. It is unfair to continue to punish someone who has tried to correct and pay the balances IN FULL. I have sent goodwill letters, emailed the corporate secretary, tried to contact the COO of Synchrony Bank on XXXX. 

The Rooms to Go/Synchrony Bank : Account XXXX and had a balance of {$1000.00}. It is reporting as " Charged off as bad debt, dispute resolved, customer disagrees '' and was closed XX/XX/2014 Contact SYNCB/Rooms To Go : C/O : XXXX XXXX XXXX XXXX FL XXXX Phone XXXX. 

The Amazon/Synchrony account XXXX and has a balance of {$610.00}. Reporting as " Charged off as bad debt, dispute resolved, customer disagrees '' and was closed XX/XX/2014. Contact SYNCB/Amazon PLCC : XXXX XXXX XXXX XXXX FL XXXX Phone XXXX I am a XXXX  and XXXX XXXX   XXXX XXXX XXXX XXXX, my husband is a XXXX  and we do not deserve to be treated this way when we have tried to pay this in full.

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 2021-01-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My wife and I applied for an auto loan at the dealership and with our credit union. The loan was finalized with the dealer using XXXX XXXX XXXX, but there are three hard credit inquiries listed on the credit report. Given the loan inquiries are supposed to be grouped when taking an auto loan, how do I resolve this so there aren't so many inquiries listed on our credit reports?

Company response to consumer: Closed with explanation