BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-12
Company: BMW Financial Services NA, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XXXX XXXX, 2015 I faxed to BMW Financial services Collections department, the Death Certificate of XXXX XXXX ; Probate Court Order naming XXXX XXXX as Heir of the Estate of XXXX XXXX ; and a Power of Attorney for XXXX XXXX, appointing, XXXX XXXX as the Executor of the Estate of XXXX XXXX XXXX. On XXXX XXXX, 2015 I called and spoke with an associate in the Collections department who confirmed the receipt of the above-referenced documents. BMW Financial Service by and through its collector, disregarded the court order by withholding details of the account and refused to provide the Pay-off amount or the status that this account was past due and up for repossession. However, I was advised that I could ONLY make a payment and then BMW Financial Service 's legal department would contact me with payoff amount. I made a payment for {$6000.00} to buy time until the legal department contact me as advised by BMW Financial. However, no one from BMW ever contacted me and two weeks later, on XXXX XXXX, 2015, the car was repossessed. I called BMW Financial Services to inquire why was the car repossessed. I was told that my bank draft was returned by my bank as " Account not found ''. My Credit Union suggests that no draft ever was submitted as it would still be identifiable as none from BMW shows in their records. BMW Financial Service states that, I was not called because of privacy laws with the Decendant ( XXXX XXXX ) and no one was appointed as Executor or Attorney. I spoke with XXXX of BMW Financial Service Repossession Department, who explained to me that the legal documents submitted were insufficient because the BMW Financial Service assumed the Power of Attorney was for XXXX XXXX. Which was and has never been the case. ONLY after I asked XXXX to read the documents closely, BMW Financial Services acknowledge the XXXX County, Texas Probate Court Order listing XXXX XXXX as the Executor of The Estate of XXXX XXXX XXXX. Not until AFTER BMW Financial Services repossessed the car did they provide Payoff amounts or cooperated with and acknowledge the Executor to settle this debt ( in full ) and take possession of this heirs property. Nonetheless, the Estate has been damaged in additional costs of approximately {$1000.00} in additional repossession fees and costs to pay this loan off and it was all because of BMW Financial Services negligence by NOT contacting the Executor with regard to payment being returned, by not providing status of the loan as required by the Court Order, by not providing the Estate the benefit of paying this loan in full on XXXX XXXX, 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/2022 while browsing the Home Depot website and checking out I was prompted to apply for a Home Depot Credit Card and promised that {$25.00} of my purchase would be covered as a promo. I made a purchase for just over {$28.00} meaning my total cost would be under {$4.00} with the promo applied. I was approved for the credit card and made my purchase but on checking my balance the promo was never applied and customer service says it will take up to three billing cycles before a manual credit they are applying will take effect this of course is not what was advertised at all and I believe that this bait and switch offer where Im not paying the full amount upfront is in violation of the law.

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 2016-11-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
New Complaint : We are responding to Wells Fargo Mortage letter dated XX/XX/XXXX with the Loan Modification Denial Appeal Form mark with bold numbers ( XXXX ) at the bottom of the page received on XX/XX/XXXX. 
For the record, the letters dated XX/XX/XXXX, authored by XXXX XXXX does not address this long standing issue with Wells Fagro Mortage of not providing us a denial letters in a timely manor from a number of Loan Modification Applications submitted. 
Additionally the copy of the XX/XX/XXXX letter in your XX/XX/XXXX mailing does not show or indicate which employee at Wells Fargo Mortage dispatch that letter to us. More troubling, the XXXX XXXX letter showed it was authored by XXXX XXXX. However our records show a letter ( see attached ) dispatched to XXXX XXXX on XX/XX/XXXX was still inquiring about our request for an Appeal after receiving a phone call from an undified person from Wells Fargo Mortage advising us our Home Affordable Modification Program ( HAMP ) application had been denied. More importanly the attched XX/XX/XXXX to XXXX XXXX followed by an XX/XX/XXXX letter to XXXX XXXX, the same deceptive employee who ignored all our telephone calls and correspondance, which you asking to contact, futher validate our continue furstration and distrust of Wells Fargo Mortage. 
While we are addressing the most recent deceptive behavior by Wells Fargo Mortage employees of creating denial letters for the Banks in-house records and intentionally not mailing it to us, our records show going back to XX/XX/XXXX, XX/XX/XXXX, the same fradulent activity existed. 
On a very important note, while Wells Fargo Mortage and its employees continues to mislead the State of California office of the Attorney General, and Consumer Financial Protecting Bureau ( CFPB ) with same in-house fraudlent letters created for the sole purpose of circumventing California Home Owners Bill of Rights. We as victims of such fraud will challenge legally any foreclosure sale initiated by Wells Fargo Mortgage against the property pursuant to California 's Homeowner Bill of Rights see ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX. XX/XX/XXXX ). 

Considering the forgoing, we are requesting without further delay for Wells Fargo Mortgage to demonstrate good faith by resolving this long on-going issue which first originated in XX/XX/XXXX, when Loan Modification underwriter XXXX XXXX perpetrated a Bait and Switch Loan Modification on us.Additionally Wells Fargo Mortgage is violation of CFPB Dual Tracking as stated in the attached XX/XX/XXXX letter advising our home was in active foreclosure while numerous pending Loan Modification Issue have not been resolved.

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 2016-03-22
Company: SECURITY FINANCE CORP
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Security Finance without my knowledge or with out me signing loan papers found family members numbers and contacted them and spoke about the " loan ''. They also contacted my workplace and spoke with them about the loan. They wantedHRs number and address to strike a deal to garnish my wages with no court order.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting XXXX  XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: NV
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 have contacted a XXXX credit bureaus and most recently XXXX to get my credit unfrozen and unlocked due to someone else accessing my account and chancing my information. And it keeps locking me out and most recently on XX/XX/XXXX there were memos placed on my credit report with information that isn't mine an a phone number I have never had. I moved to XXXX XXXX and recently had my wallet stolen and it has been a completely aggravating time trying to get my credit reports and credit back to where only I have access to it, even acquiring XXXX to help monitor my credit and my information from getting on the dark web and being used. I have had the most difficult time in an already stressful and difficult situation. I just want my credit reports to have the correct information and only MY INFORMATION and for the credit bureaus to do there job for me, a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: ALLY FINANCIAL INC.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Ally Bank has no way to delete XXXX recipients on it's website. 
It doesn't exist at this point in time apparently. I can create them but can't delete them if they are incorrect or no longer used. 
Also it's 'bucket system ' doesn't work. Transfer into Ally Buckets doesn't work at all. 

Customer Support takes 25 minutes or more. I just want to talk to someone period. Companies should be required to respond with in a 5 minute time period. Chat is no better. I tried both chat and was on hold for at least 20 minutes this morning!!! 

Chat was as follows : What do you need help with today? 
Checking, Savings or CD Read You - XXXXXXXX XXXX You're connected with Ally Assist, our XXXX XXXX 
XXXX- XXXXXXXX XXXX Hi. How can I help? 
Ally Assist - XXXXXXXX XXXX Why can't I delete XXXX XXXX!!!!! XXXX XXXX - XXXXXXXX XXXX Sounds like you need help with XXXX. Which of these do you want to do? 
Ally Assist - XXXXXXXX XXXX Something else Read You - XXXXXXXX XXXX I'll pass the chat to an associate who can help you more. 
Ally Assist - XXXXXXXX XXXX Our team is swamped it may take an hour or longer for an associate to connect. 
XXXX- XXXXXXXX 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 2022-11-21
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I received a refund for an item I purchased XX/XX/XXXX. The item is recalled and I was eligible for a full refund of {$150.00}. 
The refund was processed by XXXX on XX/XX/XXXX, and despite me explaining to XXXX that I had a new Business Bank Account w/ Wells Fargo they refunded the money to the closed business account. 
I called Wells Fargo customer service at XXXX six times between XX/XX/XXXX thru XX/XX/XXXX. 
XXXX XXXX XXXX I was told on the first XXXX calls that occurred between these dates that the funds were sent back to XXXX. This was not true. 
XX/XX/XXXX -my XXXX call to Wells Fargo XXXX was able to file a claim. I was told to wait 10 business days for the claim to process, which I did. 
XX/XX/XXXX, XXXX received a letter from Wells Fargo XXXX Assistance XXXX XXXX XX/XX/XXXX that they completed the research and " a processing error did not occur, consider your claim closed. '' I did not receive the money via deposit into my current business account w/ Wells Fargo XXXX 
On XX/XX/XXXX I called twice ( the toll free # above ) and was hung up on after working with the agent for about XXXX minutes. Immediately called back again, spoke with a different agent ( at the Wells Fargo customer service # I provided above ) and she could see the money was refunded to my closed account on XX/XX/XXXX. She transferred me to a XXXX named XXXX in the Online Division of Wells Fargo and he confirmed the money shows it was refunded by XXXX to my closed Wells Fargo account. After " XXXX '' from the Online Division of Wells Fargo did his research he could only start another claim ( XX/XX/XXXX ) and told me I had to wait another 10 business days for the money to be refunded to my current business 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 explanation
Consumer complaint received 2016-07-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Wells Fargo Dealership Services ... ... charged off my account while knowingly waiting for insurance payments from my gap insurance. They refuse to delete the charge off on my credit report. There customer representatives constantly lied to me during the whole process which took 6 mos to rectify. I was the only person making calls in reference to my joint account. This company lacks professionalism ... .and honesty. I have done nothing but communicate with them during this 6 month period. In return, I get a deragotory statement on my credit report as if I was refusing to pay them. I kept in contact with them even though they did not contact me back.

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 2015-09-16
Company: Stearns Ventures, LLC
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage for my residence in XXXX, NH which has been sold XXXX times now. The mortgage is currently held by the servicing company, Stearns Lending, XXXX XXXX, VA. The terms of my original loan were that no escrow account was required for either property taxes or property insurance. I have paid on time since the inception of the loan my mortgage, my taxes, and my insurance. All are current and up to date with no late payments. My loan was taken over by Stearns approximately 10 -12 months ago. During that period, no escrow was applied to my account. Stearns is in possession of my current property insurance coverages as well as the fact that I pay my insurance company directly. Two weeks ago I received a letter from Stearns stating that I owed them {$920.00} and that they were creating an escrow account for insurance and increasing my monthly mortgage rate by {$76.00} to make the escrow account. I pay XXXX directly for both my home and car insurance and it is up to date with no late payments. Stearns creation of this escrow account is in direct violation of the terms of my original mortgage. I do not want an escrow account and do not understand why I am being required to do so. I have contacted Stearns on numerous occasions and have received little to no appropriate response. I keep being sent back and forth between customer service, escrow, and insurance departments but apparently no one there seems to be able to correct the problem. It would be greatly appreciated if someone from your office could contact Stearns on my behalf. Thank you very much

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: BlockFi Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Issue : unable to withdrawal from Blockfi investor wallet in cold storage. This wallets ownership is in my name in cold storage and not to be used to satisfy secured creditors if bankrupt.

Under Blockfi 's terms of use, the XXXX is my own property and thus, I should be able to withdraw/receive the funds because they are not BlockFi 's property.

Since withdrawal has been unavailable due to the company blocking them, I am afraid the company may use my assets to further their personal objectives. The organization has not acknowledged these terms of use control.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Experian Information Solutions Inc.
State: NJ
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:
I never got the statement in the mail so didn't know how to pay or what to pay. I had called a few times but agents were not very helpful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: JPMORGAN CHASE & CO.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX of this year, we drove 2.5 hrs each way from XXXX TN. to give papers to XXXX KY Chase bank for our veteran owned small business. We were changing the business structure from a LLC to a sole proprietor. We submitted drivers license, paperwork, etc. 

In XXXX we discover the papers weren't submitted & they are closing our account EVEN after resubmitting due to their technical problems with their verification system. We had to call Chase customer support, because we weren't even told by the XXXX branch of the problem. We have worked hard to try and fix this situation since our insurance, employee pay, etc. are all tied to this account. We even tried to call over 50 times to the Chase XXXX XXXX XXXX ( with most calls not being answered ) to get help and in a span of over two weeks, they still can't get the system to verify our information, so they have locked the account ( causing us to incur penalties and use our personal account for taxes, insurance, payroll, etc. ) and told us today ( XXXX XXXX ) that they didn't think they could fix it in time and that we should just drive back up to XXXX to start a new account. 

Our account has been locked down for over 2 weeks, automated payments failed, and Chase customer service has failed us as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Arbor Professional Solutions, Inc.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt has been court ordered 2 be paid by my x Husband which he agreed too in our settlement XXXX/XXXX/XXXX. I have court documents to support this as the XXXX in nature and of which he plead guilty to XXXX/XXXX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Carvana Group, LLC
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Bought used car on XX/XX/2022, had it delivered to my address in XXXX, XXXX. Carvana registered my new vehicle in the wrong state ( XXXX  ) and isn't helping to get it registered correctly in XXXX. I can not drive the car until they fix this problem and get it registered correctly in XXXX. I've reached out to them multiple times since the purchase and they still havent even started to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: WELLS FARGO & COMPANY
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Good Morning, I am writing you today in hopes to obtain some debt relief. I attended XXXX XXXX in XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. While attending XXXX XXXX I was given false information in regards to job placement, salary, and loan amounts. After graduation I had not help with job placement and advertised and now the school is closed down. After hearing this news I tried to obtain copies of my Official transcripts, but what was sent to me was completely the wrong program and dates. I am now left with a useless degree, wrong official transcripts, zero help from the school since they are closed now and a mountain of debt for a useless degree. 
Recently I found out that my may be able to have a federal loans foregiven, but they are mostly paid off now. I am hoping to make contact with Wells Fargo and See what my options are for forgivness or partial forgivness. I have found a few articles to help support my argument. 
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 2016-06-27
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received XXXX cards in the mail today, unsolicited, from Navy Federal Credit Union. These included a Visa credit card under my name, a Visa debit card under my name, and a Visa credit card under the name of a total stranger. I did not request these cards. I called Navy Federal and canceled the cards, but they could not tell me how or why I was sent these cards. I believe that sending unsolicited cards is not legal and seek your advice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation