BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-26
Company: Premier Auto Finance of South Florida
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I notice that XXXX XXXX was reporting to XXXX incorrect information regarding a loan for a car I do not have ( nor never had in my possession ) I called and tried speaking with XXXX I asked why were they reporting this info to XXXX   and to please provide me with proof tis belongs on my account and that I would be sending a certified letter and want a response that this is my account or remove it from my credit report asap I gave them 30 day this was sent out in XX/XX/2018 on XX/XX/XXXX XXXX XXXX signed for it and as of now I have not received anything however this is causing me to have negative remarks on my credit and it not good please help me resolve this very important issue

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 2020-11-22
Company: GUARANTY HOME MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Guaranty bank continue to collect PMI payment ever after LTV is less than 50 % and never terminated. I have sent request to cancellation but they continued to collect and never returned payments

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I filed Chapter XXXX Bankruptcy on XX/XX/XXXX and it was discharged successfully on XX/XX/XXXX ( Case No. XXXX : XXXX ). I had a truck loan from USAA which was also included in the chapter XXXX BK. However, USAA bank currently has a lien on my title stating that I owe over {$5000.00}. The employee I spoke with from USAA 's Bankruptcy Department stated that he has information that the loan has been discharged but also states that I owe over {$5000.00} and needs to review it with his team. I stated that my ch.XXXX BK has been discharged since XX/XX/XXXX and it even shows on my credit that my XXXX XXXX XXXX has been paid off in the bankruptcy and I owe nothing. I was a member of USAA for over 20 years because they used to be a great company. Nevertheless, as time went on they became very corporate and their customer service and policies became very poor and dissapointing by putting lifelong members at a disadvantage with no incentive to keep using their services, even as a veteran. I no longer use USAA for any service and this experience is just another example of why I am no longer a member with USAA. 

Attached is my " Discharge of Debtor After Completion of Chapter XXXX Plan '' showing proof of all USAA loans being discharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
As of today, XX/XX/XXXX I recently received an update from XXXX XXXX in regards to two new hard inquiries showing on my report from someone attempting to open an acct at XXXX as well as Capital One that I did not appprove on XX/XX/2018. I have contacted the companies and was provided with this website to follow through with the dispute. Im unsure of who the person was since my wallet has been lost/stolen since early XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26
Company: Experian Information Solutions Inc.
State: TX
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 contacted all three credit bureaus ( Experian, XXXX, and XXXX ) regarding unauthorized inquiries conducted by : 1 ) XXXX XXXX on XX/XX/XXXX for XXXX XXXX XXXX XXXX, 2 ) XXXX XXXX XXXX on XX/XX/XXXX for XXXX XXXX XXXX, 3 )  XXXX XXXX  on XX/XX/XXXX, 4 ) XXXX XXXX on XX/XX/XXXX, and 5 ) XXXX XXXX   XXXX XXXX on XX/XX/XXXX. I sent written request to have these items removed from credit but was sent a copy of credit report instead. Then I sent a second letter to three bureaus but still no changes on report. Also, I requested proof of authorization but was provided any further information on this request.

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 2020-02-04
Company: PENTAGON FEDERAL CREDIT UNION
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I make a deposit on a branch date XX/XX/2019 and dont receive an official receipt of the transaction. They are very bad people.

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 2020-07-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Mortgage Services has been harassing me. They would call me out of ordinary times or just more than allowed by law in order to bring my account up to date. A good example of this would be this morning. They called me at XXXX XXXX. This is illegal to do so under The FAIR DEBT and COLLECTION Practices ACT 15 U.S.C. Subsection 11692-1692p. Other times, they call me about 6-8 times a day. If they continue to harass me, I will be forced to hire a law firm to sue them for these illegal actions that they are taking.

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 2018-11-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
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:
Portfolio Recovery states account is mine, they have an address on the letter the responded to my complaint being in XXXX Florida. I have never lived in XXXX Florida, and the account they are reporting from XXXX XXXX shows their documentation is addressed to my home address in Arizona. 
the so called proof of debt does not have my social security number on it, yet they have included it in their response to my complaint in XX/XX/XXXX. 
All they sent me were old statements from XXXX addressed to XXXX XXXX in Arizona, not XXXX Florida which has never been my address, and no identifying information that this is truly my account. 
I would like to see evidence that XXXX XXXX supplied them with my Social Security Number as they are basing my identity and their proof of my id on a Social Security number that was not provided to them by XXXX  XXXX, I need a copy of documentation whereas the received my Social Security Number from the Original Creditor and not by submitting my name to the credit bureau and assuming it is my debt. Proper verification of me as being the debtor is required to be submitted to me, not some old invoice with an address they are not using to contact me. I repeat the attached letter shows they have XXXX FL. as my address, and how exactly do they have my SS #? send documentation of my SS # given to them by the Original Creditor, this account has not been properly verified as you can see from their letter subitted on the response to my complaint. this is not my debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: WELLS FARGO & COMPANY
State: NV
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:
On XXXX. I called and said I wanted to voluntarily surrender my car due to high repair expenses and high payment, and moving out of state and car would not make the trip.i was sent a form to fill out and send back, did that 2 weeks later was told they couldnt except that form and had to do another ( no explaination as why ) filled out second one and mailed back. 2 weeks later was told couldnt except that one, filled out another and faxed back, finally excepted. Told them car had to be picked up by XX/XX/XXXX as house sold and was closing date, I had already left for a different state. XX/XX/XXXX was called by realtor told car was still there buyer wouldnt close if car wasnt moved, had friend go get and take to his house. Explained car could be picked up any day after 5. Kept getting calls saying they couldnt pick up they refused to listen to instructions, it seems as if they were trying to stall, they then sent me a notification they were repossessing the car and went right away and grabbed it without the keys, they now listed on my credit report as repossessed and just called a few days ago asking for keys, can explain better with more space, it was a long drawn out process with many many phone calls. I also wanted to turn it in because Wells Fargo kept adding amounts to my monthly payment and I could never get an explanation, Id pay my payment and the next month Id owe a 100 more than payment and this went on until I was notified if my past due balance wasnt paid they would take action, my experience with Wells Fargo has been a serious nightmare

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 2018-11-26
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I bought one of my relatives to US Bank to put my mothers name on my account but when I got their they told her NO we can not open or add your name to the account I told them why and they said that she was reported to XXXX XXXX and when I called them she had a clean history and we came back the next day they still refused to add my mother to my account which I own and make it easier so when I am in XXXX  she can access the funds like how joint account works

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 2018-06-26
Company: Select Management Resources, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
XX/XX/2014 a title loan was taken out in my name, but it wasnt me. They have filed criminal charges against me. I just found out last week. I called XXXX and all the information I. Their system is wrong about me. They wont release my account information to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: SYNCHRONY FINANCIAL
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been receiving a monthly security card fee on my Amazon that I have no recollection of signing up for. I just so happened to check my account and there it was. I had spoken to the company who were more than willing to cancel said fees but would not help me at all on the return of said monies. According to the gentleman I spoke to on the phone, I purchased this so called card security on XX/XX/XXXX but didn't start getting charged this fee till XX/XX/XXXX. It appears to me that this fee popped up out of no where.

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 2018-11-26
Company: NCC Business Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We have been receiving calls for a debt owed by someone that we do not know who may have had my husband 's cell phone number before. I didn't know that the company was looking for someone else until today when the calls started all over again and this time the caller mentioned the person 's name but I couldn't understand what he said. The calls come to my husband 's cell phone from NCC Business Services, XXXX XXXX XXXX, XXXX, FL XXXX or NCC Business Services XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX from XXXX. I called the number back and got a message that " If you are? person, ( couldn't make out name but not ours ) press 1 for an agent '' The first time we filed a complaint our ID for complaint was XXXX and we got a message back that the president was sorry he had bothered us and that it wouldn't happen again and that we had no debt but this time we suspect there may be a debt belonging to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018 I was robbed and the robbers took all of my belongings including my cell phone and wallet that had my ID debit and credit card from Chase bank inside. The robber 's were able to access ATMs and withdraw {$3500.00} which exceeds my daily allowance, and then they went into a branch and withdrew {$1000.00} from my account and Chase allowed this despite it not being me. I have placed claims on all of my accounts and chase denied the claims stating it was non-fraudulent because the robbers accurately input my pin #. There is video surveillance, call records and I have a police report all evidence in my favor that these transaction were not authorized and were not done by me ; however the bank fails to use this information to come to a decision and has denied my claims. As a customer it is absurd to me that a bank fails to verify identification for in person withdraws, and in the circumstances does not verify their own video surveillance during an investigation. They also do not use call records with my attempts at closing my accounts. The bank solely investigated if my pin was accurately used in their decision. With fraud becoming so sophisticated in modern times I find it hard to believe the bank does not follow any other procedures in terms of investigation given these circumstances. Not only do I have the above evidence, but as a long time Chase Customer, there has never been a time where I've completed transaction of this nature, which should have immediately been a red flag.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-07
Company: CHARLES SCHWAB CORPORATION, THE
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Charles Schwab has denied me access to my checking and trading account with out no notification or reason why. I have called several times and nobody can tell me why i can not access my account. If I had an open position i would be bankrupt right now. I recieved no phone call or email notifying me why. They said they could not tell me why

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
SpeedyCash. 
When I pay more than the balance that is due my pay off amount drops like it should but when I get ready to make my next payment a couple weeks later on the due date and my pay off amount has risen back up. Ex. XX/XX/2018my payment due was {$82.00} and the payoff balance was {$470.00}. I paid XXXX even and the payoff balance was dropped to {$380.00} Two weeks later XX/XX/2018 I went to make my payment on the due date which was {$81.00} the payoff rose back up to {$460.00}. So I payed {$120.00} and the payoff balance dropped to {$340.00} I checked my payoff balance today XX/XX/2018 and it rose back up to {$410.00} Id like to know why they keep raising my payoff amount when Im paying more than the fee amount. How am I supposed to payoff my payment by my payoff due date ( XX/XX/2018 ) when they keep raising my payoff amount ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX  IS ON MY CREDIT REPORT, THESE ITEMS ARE NOT MINE AND I WANT THEM REMOVED FROM CREDIT REPORT, XXXX XXXX XXXX XXXX SAME ACCOUNT NUMBER ON BOTH ACCOUNTS

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 2018-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was so surprised when looking over my credit report and found a late payment in XX/XX/2018. 
I don't even know how this happened. I believe I always made my payments to you when I received my statements. My only thought is that my statement didn't get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021 Chime spontaneously closed my account managed by XXXX XXXX, XXXX. one of its banking partners. The account had over {$2500.00}. I contacted Chime to see when I should expect my check for the funds I had in the account and was told that they would keep the money and quickly ignored me afterwards. So then I contacted XXXX XXXX XXXX. which was the real actual bank behind my account to resolve the issue, and I was told to contact Chime and then they too ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
DEBT IS MINE

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 2020-02-05
Company: First Advantage LNS Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've been dealing with NCAC for nearly a year. They are HORRIBLE. They have to yet to send valid verification that I owe this alleged debt. They are claiming that I owe {$760.00} to XXXX XXXX XXXX. The only thing that they've sent is a copy of my leasing agreement. This only shows the amount that was obligated to pay during the term of my lease. There's no proof that I didn't pay. I fulfilled my lease and didn't miss ANY payments. I DON'T OWE ANYTHING! There is no proof that I didn't pay everything that I was supposed to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: CITIBANK, N.A.
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:
Citibank NA / The Home Depot is reporting a charge-off account to XXXX and XXXX that is not mine. I was not liable on either account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from 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 2018-11-26
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Im XXXX I made a payment of {$120.00}, about 5 days later citi bank charged me again the same amount. I called citi bank and XXXXne of your employees apologized and refunded me back one of the payments. The next month I was charged a {$25.00} fee for a return check. I called and they said they would return the the fee and apologize because you were the ones that refunded me. I then learned next month that you turned my autopay off because you accused me of a return check even though it was your company that refunded that payment because you doubled charged me. I also found out that you never took the fee off. So the next day after my payment was due ( when I found out ) I called and the lady apologized again took off the return fee and said she would take off the late fee. I Immediately Told her to turn my auto pay back on and to run this months payment. Come to find out she only ran half of what was due for that month and she never reversed the late fee. NOW I found out that you closed my account because of the whole return payment may I remind you again that your employee refunded me one of the 2 payments you took out of my account because you double charged my account and she apologized saying it was your fault! So because of your mistakes you negatively impacted MY credit score and closed my account! I called today was told they would reopen my  account but then when transferred I was told that they would not open my account.

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