BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX I sent a debt validation letter to Wells Fargo XXXX dept in reference to years of interest accrued via cash advance. It is my belief that I did not know cash advances were being charged on my account. I requested a fraud review in which I received a letter from their fraud team along with my entire credit card history stating that the charges were valid ( " the account was authorized based off payments and transactions made to the account. ). *My credit card was closed in XXXX and charged off a few years later. * Upon receiving a recent settlement offer for {$1500.00} from Wells Fargo for monthly payments of XXXX for next 10 months, and further review of my charges from what they sent me, I called today XXXX/XXXX/XXXX to make a good faith counter offer of {$1000.00} in which I informed collection rep that due to my current financial status that I will not be able to make payments for the next 10 months of {$150.00}. I informed rep that I was gifted {$1000.00} and would like to settle with all that I had. I was told my offer would not be taken and that I had to either pay {$90.00} a month until full balance was paid ( {$2500.00} XXXX or settle with the 10 month option of paying off the {$1500.00}. 

I do not know what to do with this debt as they do not want to take what I am able to pay with today nor am I able to find extra income to pay an additional monthly bill of either the full payment or settled amount? I feel defeated. All I want is for this account to be over with. I could of been done with this TODAY.

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 2018-04-29
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX my dispute was received by TransUnion. They have reported a collection account under the name XXXX XXXX XXXX for the amount of {$1500.00}. I have no idea of this account on my credit report and I believe Im dealing with fraudulent activity of someone having my information because this has happened before. XX/XX/XXXX was my estimated date for my results. TransUnion has still have yet given me a response. I sent out letter XX/XX/XXXX stating they send me verification that the account belongs to me or it would have to be deleted. This is hindering me a lot with is account in collections 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 2018-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX auto scheduled payment to Bank of America credit card was rejected due to invalid account #.

XX/XX/XXXX when i try to access online bill pay, i'm given an error message to call technical support. because i'm locked out of bill pay, I can't submit payments XX/XX/XXXX i call technical support, they will submit a ticket to unlock bill pay with the updated account information XX/XX/XXXX i still dont have access to bill pay, i call technical support. they say they need valid account info to submit a ticket to open bill pay. 

my main issue is that the procedure for invalid payment is to 1. charge the  customer XXXX $ return check fee, 2. lock bill pay function, preventing customers from actually making payments online and 3. requiring a valid payment account should not be necessary if there is no outstanding 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 monetary relief
Consumer complaint received 2018-09-14
Company: General Motors Financial Company, Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
urned in my XX/XX/XXXX XXXX XXXX lease with GM financial in XX/XX/XXXX under the provisions of the SCRA. Received confirmation of the lease turn in XX/XX/XXXX after several attempts to contact GM. Received multiple statements from GM claiming that we owed money on the remaining payments while I was deployed to the XXXX XXXX. GM financial told us multiple times to disregard the statements that our account would be fixed since it was turned in under SCRA. In XX/XX/XXXX we went to purchase some land and saw that we were shown as having late payments on our account for several months after the car had already been turned in under SCRA. After several attempts ( probably 20 or so ) contacting GM Financial and talking to multiple customer service reps and managers we were assured that our account had been corrected. As of today XXXX XXXX  the account still shows 60 days late on all three credit reporting agencies with updated dates inXX/XX/XXXX despite GM telling me that their system shows it being cleared with no late payments. I have been promised that we would get a letter that states the account is incorrect on multiple occasions and have still to receive any letter. This has now cost me hundreds of dollars in additional fees and deposits required to establish new accounts because of the incorrect information. I have been promised for months that the issue would be resolved, yet nothing has been done to correct the issue. I was told to dispute the information that it must be incorrect with the credit reporting agency. I did dispute with XXXX which returned with an affirmation from GM Financial that the information was correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX calls repeatedly on my work telephone line from various numbers starting last week ( XX/XX/2018 ). They threaten that an attorney in my area is looking at my file and take legal action. However, the debt they claim never existed and has never been on my credit report. They harass me at work multiple times a day, on a business line, even though I have told them the debt is false and is not on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: ALLY FINANCIAL INC.
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:
My XXXX report shows three inquiries from Ally Bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have NOT had an account with this bank since XX/XX/XXXX. I have not applied for any loans, for any accounts, NOTHING from this bank. They NEVER had any permission to check my credit for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an unverified accounts from XXXX XXXX XXXX  AND XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX  AND XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX AND XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. The original date of default and collection activity began 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX  AND XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I should start off by saying that this happened in XX/XX/XXXXand XXXX and I finally lost my home in XXXX to foreclosure. 

I contacted Citi in XXXX, MD, 3 different times about a loan modification. 

I expressed to Citi that my wife lost her job and we were having troubles maintaining our monthly mortgage. Citi had me apply for loan modification 3 different times, each time Citi claimed that they lost or could n't find all documents. later even suggested that I try to refi, at the end they told me that my credit was not satisfactory and they could n't help me. They also told me that they could n't help unless I was at least three months or longer in default. 

We maintained our payments up until the end when we could n't pay anymore. I lost the home and it later sold for {$110.00}, I had a mortgage of {$220.00}. 

When I called them in XX/XX/XXXXthey claimed that they owned me a letter releasing me from all debt and to clear my credit from this matter because of the hard work that your Agency ( CFPB ) has done, but I never received this later. 

Any assistance would be greatly appreciated. 

Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2018, I went on chase.com website to find a credit card that suits my needs. I was interested in Chase sapphire card. They offered 2 options that day, sapphire reserved for XXXX bonus miles with {$450.00} annual fee and sapphire preferred with XXXX bonus miles after spending XXXX in the first 3 months with a {$95.00} annual. I didn't want to pay {$450.00} annual fee, so I chose the XXXX bonus card. I took a screenshot of the offer and took a screenshot of all the benefits of that card, so I'll have it on my phone for easy reference. I clicked apply now and got approved right away. 10 days later I got the card, {$95.00} annual fee was charged and everything looked good until I start reading posts on social media on how Chase was robbing people and either not giving them the promised bonus or charging them an annual fee when the fee was waived for the first year. I sent a secure message to Chase asking to confirm my offer and sure thing, I was given an offer, but not the one I applied for. They gave me XXXX with annual fee NOT waived for the first year. So they took away my extra XXXX bonus miles. I emailed them the screenshots, I escalated to the marketing department, but they said that the offers constantly changing and that I probably clicked on something else. Basically called me stupid in the nice way. I posted my concern on social media and so many people were in the same boat with me. Some applied for XXXX with annual fee waived for the first year, and they were charged the fee, some applied for the same XXXX offer and got XXXX like I did. And none of us can prove anything. Apparently the mistake happened in the last few weeks, but Chase doesn't want to admit that and correct it, unless they do it on purpose, luring people in. I was watching the offers for a few weeks before getting a new credit card. I wanted a better deal, so when that great offer became available I applied. I didn't want any other offers and Cause couldn't explain to me why they gave me what they gave me, they just said the offers are constantly changing and I get that. But I'm sure they change daily and not by the minute. If I click on XXXX offer, it should register in their system right away and lock me in instead of changing my offer. That's just wrong and unacceptable. This is my first time having business with them and probably my last time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This complaint is a follow-up to CFPB complaint # XXXX. 

I was contacted by telephone by XXXX XXXX from Bank of America on XX/XX/2020. She left a voice message for me stating she was calling about my complaint and that I should call back XXXX XXXX at XXXX, ext. XXXX. 

I returned the call the same day, XX/XX/2020, and was sent to voice mail. I left my name and contact number. I tried calling back on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. Each time I tried calling back I was sent to a voicemail for XXXX XXXX. Each time, I left my name and telephone number for Ms. XXXX to return my call. 

On a couple occasions I tried to get an operator or another representative when I called the regulatory complaint servicing telephone number ( XXXX ). I even tried contacting the general customer service line for Bank of America to see if they could connect me with the regulatory complaints servicing area. On the two times I tried calling the general customer service line, I was on the call for over 45 minutes as the customer service representatives diligently tried to find a regulatory complaints servicing representative. During both attempts the call was ultimately disconnected by the bank. 

My initial frustration with the Bank 's error in closing my account has been compounded by the frustrating process that their regulatory complaint servicing process has introduced. 

Additionally, I received my XXXX statements for both accounts which still reflect an available balance, even though the bank tells me the accounts are closed. I have attached those statements for your reference. 

Regards, 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 2018-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
XXXX XXXX XXXX after speaking with several customer service reps with this company continues to do damage to my credit report by reporting incorrect info. XXXX  shows this account closed in XX/XX/XXXX this account closed in XX/XX/XXXX and was a paid charge off in XX/XX/XXXX. This caused a major 50 point drop in my credit score which I am working very hard to repair. In good faith I paid this account off, and they continue to be inaccurate with reporting, as well as incorrectly re aging this account causing a significant score drop while I'm attempting to obtain a mortgage. I remain very disappointed with this company 's handling of this account. They have not been very helpful at all with any of my requests, and I intend to take this situation further if they can not report accounts accurately to each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday XX/XX/2018 an unknown individual walked into a TD Bank located in XXXX, NJ ( XXXX XXXX XXXX XXXX XXXX, NJ XXXX  ), fraudulently without my knowledge filled out a withdrawal slip with my banking information and signature and withdrew {$500.00} from my checking account. I have notified the bank, TD, and filed a police report. Upon finding this information out on the following Monday when the withdrawal posted to my online banking statement, I immediately notified the TD Fraud department and my local branch. I discovered during conversation with 2 individuals working at the XXXX, NJ bank and XXXX, NJ bank that it is not mandatory TD protocol to check state issued identification with a withdrawal. It was stated to me that it is the tellers discretion to check ID and for amounts less than {$500.00}, they may choose to verify the signature. A teller is not a handwriting specialist trained to distinguish forged signatures. This lack of protocol or enforcement of safety procedures to ensure the safety of their customer accounts is highly concerning. I find this information incredibly violating that any individual that has ever retrieved a check or has stolen your bank account number can walk into a bank, forge your signature, and walk out with your money without questioning. This is blatant negligence on the part of TD bank and the teller. The funds have yet to be refunded and must await completion of the police investigation. So the consumer is being penalized for TD 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account has been paid off through a collection agency. XXXX XXXX still has not updated my report and it is damaging my credit report. 


Account Info Account number XXXX Account status. 
Closed Date opened XX/XX/XXXX Account type Unsecured Loan Balance on XX/XX/XXXX Loan Amount {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2021-02-01
Company: U.S. BANCORP
State: CO
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:
Follow-up to complaint ID : XXXX. XXXX from Cardmember services left a voice message at XXXX EST on XX/XX/2021, four minutes prior to leaving his post for the day which was stated on his voice message ( XXXX XXXX departure time ) upon promptly returning the call at XXXX EST. A message was left for XXXX stating that the CFPB would be contacted again for the negligence and express judgment inappropriately passed by XXXX Elan Financial prior to speaking to their client. Elan Financial had additional questions that have gone unanswered yet a decision was made against the customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
The monthly and annual membership fees on my Capital One credit cards are ridiculously high and I am aware that Capital One agrees with me, because in nearly all cases they will remove the monthly and annual memberships just when a customer points out the excessive amounts of these fees. I pay a high rate of interest for my cards and that should be enough. I want Capital One to stop charging these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: Suttell, Hammer & White, P.S
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On going collection since XXXX. Received collection calls & letters regarding a XXXX XXXX XXXX ( I was an authorized user and my son XXXX XXXX was the account holder ). I responded with a Cease & Desist letter as well as a Verification/Validation letter requesting proof ; such as application with my signature to the law firm handling the account, Suttell & Hammer. They provided a copy of the application and a recent statement of the account. The application only has one applicant and one signature XXXX XXXX. I responded with a letter advising the application does not show my name or signature and that again I was an authorize user and according to the credit law I am not liability for repayment. In addition, the account holder filed Bankruptcy and was discharged XX/XX/XXXX. I provided proof of the Bankruptcy. Suttell & Hammer filed a lawsuit against me for the XXXX XXXX account on XX/XX/XXXX. I received a copy of the lawsuit where the Proof of Service claims I was served XX/XX/XXXX at my son 's home, which I use as a mailing address. I am not a XXXX female as stated on the proof of service and I was in the state of Idaho in XX/XX/XXXX. I am retired and I travel from California, Idaho, and Hawaii. I have been dealing with this issue far too long. I have sent countless proof that I am not liable for this debt, proof the law firm sent me as per the Verification/Validation letter yet they still continue to violate the FDCPA, FCRA, and FTC laws. I sent a Certified Letter in XX/XX/XXXX summarizing this issue as well as requesting to file a Motion to Dismiss with Prejudice since I am not the responsible party and to provide proof of the matter.

Company response to consumer: Closed with explanation