BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-01
Company: BMW Financial Services NA, LLC
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I own a XXXX BMW X5 with VIN XXXX. The vehicle was purchased in XX/XX/XXXX and was financed by BMW Financial Services. Recently I made an inquiry to the lender to payoff the balance and possibly transfer the car to a family member. However, according BMW Financial Services, they will not be releasing the title to me upon receiving payoff, due to outstanding ( unfinished ) recall. Upon further discussion with the manufacture and dealer, I was told that, although the recall notice was sent to me in XX/XX/XXXX, about a year ago, the dealership can not complete the repair due to parts shortage. Furthermore, I was informed by BMW today that the soonest I can receive the parts is XXXX, another 6-7 months from now. The reason for the lender 's refusal to release title was referred to NHTSA 's Stop Sells order related to the recall. However, I can not find any information from NHTSA that prevents the lender to release clean title. It is NOT a sale, simply a loan pay-off. 

I feel it is unreasonable for a lender to withhold title even after receiving full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: CITIBANK, N.A.
State: FL
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:
After returning from a vacation in XX/XX/XXXX, I discovered a fraudulent charge of {$39.00} to XXXX  on my Citibank AAdvantage XXXX on XX/XX/XXXX. I disputed the charge and Citibank canceled the old card and issued a new card. After activating the new card, I found another fraudulent charge on the account for {$34.00} to XXXX on XX/XX/XXXX. I disputed that charge and the company initiated an investigation that is still ongoing. The account has been closed completely. The last notice I received from Citibank was dated XX/XX/XXXX. I have received no notices since then and it is difficult if not impossible to contact Citibank by phone or e-mail. I think sufficient time has elapsed for Citibank to resolve this 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 2015-06-19
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I was in the hospital XXXX of 2014. I received XXXX statement from the hospital. I called the hospital to make them aware I had no insurance and they understood. In XX/XX/XXXX I was accepted for XXXX Assistance. A social worker contacted me and made me aware all previous medical bills will be taken care of up to XXXX months. I gave all information for hospital bill and the woman said it will all be covered. I never again received a statement from the hospital and never received a collection letter or pre list letter. I am very upset and would like this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had fraudulent charges on my XXXX. I contacted the company about the charges, they removed them and issued me a new card with a different number. About a month later I had fraudulent charges again. I contacted the company again. They removed the charges again, and they offered to issue me a new card with a new number. I told them that I wanted to close the account, since I had had fraudulent charges twice and did not feel the card was safe. They told me that the account would be closed. That was in XX/XX/XXXX. In XX/XX/XXXX, I received notification that there were new charges on the closed account. It turned out to be a recurring payment that had forgotten to stop. I payed the bill, since the charge was authorized, but called the company and asked them once again to close the account and not to let any more charges go through. It is now XX/XX/XXXX. I received a phone call from XXXX today saying that I owed money for charges on my account. I told them that I paid off and closed the card in XX/XX/XXXX, paid off and closed the card again in XX/XX/XXXX and would not be paying them again. They said that they would credit my account for the amount, and that I would not owe them any money. That is fine, but I still need them to close the account. They said that they would, but I do not believe them. I am concerned that my credit score will be negatively impacted if XXXX continues to neglect to close the 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 2022-08-29
Company: Blackhawk Network Holdings Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I submitted a case XXXX on XX/XX/22 to unlock my card for use. I followed up via phone a couple weeks later as well. My card is still locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
someone has access to my personal information and is using it to open fraudulent 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 non-monetary relief
Consumer complaint received 2020-01-17
Company: I.C. System, 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:
Per FTC sec.609 credit agencies are not validating my credit they are simply verifying my information.

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 2020-09-29
Company: Revolut Technologies Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Revolut Business Account has been temporarily blocked for the last 5 weeks. 

I can not access the account via the app or online. I have attempted to contact Revolut Business via the online chat system and have not received a satisfactory response as to why my account is blocked and when I can get access to my account funds over the last five weeks. 

The customer service is extremely poor with no ability to call and speak to a bank representative. All communication is done via chat through the application. Very often responses takes several hours during a chat. I would just like to access my money and close the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: PNC Bank N.A.
State: OH
Product: Prepaid card
Sub-product: General purpose card
Issue: Fees

Complaint:
My {$50.00} card expired on XXXX. I found your website and learned that funds remain for up to 5 yrs after the expiration date and fees may not be applied to transfer or return as a check. PNC says that it 's use it or loose it. I have tried to get this resolved but keep getting transferred to someone else. I was able to go online and see that {$32.00} was withdrawn on XXXX as Close Account administrative Adjustment and that today $ XXXX was withdrawn as a transfer fee. This must have been when I called about transferring the balance but a balance was never transferred. This card should still have {$50.00} on it since it has not been used.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Fortren Funding LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced i year ago and the lender failed to pay a quarter tax bill and submitted my last payment late causing my taxes to be delinquent and ruined my credit. after saying that they would resolve the issue and did n't ... I am now losing my second home and my new vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in XX/XX/XXXX, I notice that XXXX XXXX reported inaccurate credit information to the three major credit bureaus : XXXX, XXXX, and Trans Union. 

XX/XX/XXXX : I Fiuled a Ch XXXX Bankriptcy - the payment history according to XXXX XXXX ( inaccurate and incomplete ; also an account I don't even recognize ) -recording as NEW derogatory account credit bureaus are not investigating it -have contacted them several times to verify and correct this inaccurate and incomplete information. 

I have records of all of this : documents by both XXXX  and XXXX  and Trans Union saying it was verified, but there is no verification, m according to furnisher ( XXXXXXXX ) under factor 3:12- fair and accurate transaction act, I'm entitled to the information that XXXX  allegedly has, and has reported to the credit bureaus. It's been seven months, ( will include documentation of all correspondence )

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 2017-05-20
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Purchased home  XXXX / XXXX / XXXX  Escrow - {$490.00} monthly payment  XXXX  Escrow Annual amount analysis Escrow - {$490.00} Monthly  XXXX  Escrow Annual amount analysis Escrow - {$540.00} Amount that is being pulled on monthly statement {$600.00} Misappropriations of escrow transactions TILA Z Regs.     This increase for  XXXX  escrow was not calculated correctly or appropriately. They are miscalculating amount needed to pull for all monies due. There is no disclosure agreements of increased amounts. I will be disputing the amount of tax increase as well. Lender can not arbitrarily increase and pull escrow monies.     I called several times and wrote a letter to resolve this matter with no resolution. Their calculations are way off. I will agree to a mutual increase because of the tax increase however, the increase they are pulling is without agreement is out of reach and they are pulling more than they notified me of.     Your attention to this matter is going to be important as there will be a filing of a law suit complaint if there is no mutual agreement in amounts  and TILA Reg Z prot ections have been broken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: DISCOVER BANK
State: NJ
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 do not receive paper bills. Discover Card tells me I missed a payment but I never received a paper bill. ON DO NOT BANK ONLINE. Yet Discover Card demands that I use its website to make payments. I do NOT know how to use its website. I WANT PAPER BILLS. I never agreed to nor authorized paperless bills! It is not fair for Discover Card to say I missed a payment when I never received a paper bill and do not know how to use the Discover website to see what I owe or do not owe!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$140000.00} XXXX  XXXX XXXX  XXXX {$13000.00} XXXX XXXX XXXX  XXXX {$12000.00} XXXX XXXX XXXX   XXXX {$11000.00} XXXX XXXX  XXXX {$130000.00} XXXX XXXX  XXXX {$7500.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXXXXXX {$280000.00} XXXX XXXX {$1000.00} XXXX   XXXX {$3300.00} XXXX  XXXX {$1300.00} XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$140000.00} XXXX XXXX XXXX XXXX  XXXX {$15000.00} XXXX XXXX XXXX XXXX   XXXX {$12000.00}

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 2022-10-02
Company: EQUIFAX, INC.
State: MI
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:
Failure to perform a proper investigation. I have submitted many dispute letters online and through the mail. I have provided them with proof directly from the credit report.They continue to report information that is inaccurate as accurate.This is a direct violation an damaging to my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: CAVALRY INVESTMENTS, LLC
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Cavalry SPV I LLC has been illegally attempting to collect an alleged debt from me, including by sending letters and by filing a lawsuit in XXXX XXXX XXXX XXXX ( No. XXXX ), even though the debt is barred by the applicable Statute of Limitations. 

I have provided Cavalry 's attorney, XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX law firm, with a copy of the original contract, showing that the alleged debt is governed by a choice of law provision that makes State of Nevada law applicable to the contract at issue. Nevada Statute of Limitations ( SOL ) is XXXX years on credit cards ; however, the debt was approximately XXXX years old when Cavalry attempted to collect the debt by filing the lawsuit. 

XXXX XXXX, and thus Cavalry, has not responded to my email sent to him on XXXX XXXX, XXXX, asking him to dismiss the case with prejudice. Nor has the case been dismissed to date. In the email, I advised him that I had sent him a copy of the original contract, under separate cover by mail. I also provided him with information about how to access a XXXX copy of the contract using the CFPB Credit Card Agreement database. 

Exhibit A - Original XXXX contract from my records, showing Nevada choice of law provision on page XXXX ( APPLICABLE LAW ). 

Exhibit B - Copy of XXXX version of same contract from CFPB database, which also contains same provision. 

Exhibit C - Letter from XXXX showing that last payment on account was apx. XXXX years prior to the filing of the lawsuit. 

Exhibit D - Printout showing ongoing lawsuit, Cavalry SPV I LLC v. XXXX XXXX XXXX ( No. XXXX ) Exhibit E - Email to XXXX XXXX XXXX to which has not been any response to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: Credit Center, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I arrange a payment be done with my Visa for a carpet cleaning debt with XXXX from 2008 They have not charged my card but dealing with an XXXX XXXX XXXX This company with band XXXX XXXX from XXXX keeps calling and harassing my mother, stepfather, my brother, my brother wife and discussing this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-27
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a letter in the mail from " Convergent Outsourcing Inc. '' They state they are collecting a debt from XXXX. This appears to be a scam due to the fact that I have not used XXXX for many years. Additionally, I have seen numerous complaints about this company online. They say that I owe {$490.00}, but I can reduce the balance by XXXX % if I pay {$240.00} now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: INTERCONTINENTAL CAPITAL GROUP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a piece of advertising on XX/XX/2020 that is believed to be a bait and switch tactic, which also may be a RESPA violation. 

The piece of marketing material in question is from Intercontinental XXXX XXXX XXXX XXXX XXXX. The letter is dated XX/XX/2020 and arrived in a XXXX XXXX XXXX envelope. Making it look to be official, So I had opened it up. 

The letter gave me a {$100.00} gift card. The only way to activate said card is to call their office number to get started, XXXX. I can only assume it is the corporate/call center line I never called, because I do not want to be harassed on the phone to refinance my home after making only 6 payments since my last refinance. I blocked my name/address on the attached letter to try to avoid repercussions by said mortgage company. 

This is clearly a violation, I am also a licensed loan officer here in the state of FL and I very much know what the limitations are to marketing tactics like this and what is deceiving. It's maddening to see companies like this continue to operate like this against the rules for advertising. 

I am reporting this because I do not want to see others fall for this marketing tactic that triggers people to call with a promise of a {$100.00} " gift ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Wells Fargo closed all 6 of my bank accounts I had with them without any regards or notice. They claim that one of my clients disputed a charge of {$39000.00} and because of that they took all of my extra funds that had nothing to do with the payment. I mean they took my savings, and all other funds I have worked hard for and now we are on the verge of losing our home over this. Icalled and they claim there's nothing I can do and there's nothing they WILL do in order to help me. I am at wits end with Wells Fargo.

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 2015-09-06
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My mother passed away this week and with that I found out that she had taken credit cards out in my name.I did not know about these cards until this week. I have no way of accessing these accounts and do n't even know where these cards are.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Army and Air Force Exchange Service
State: AR
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 XXXX  account # XXXX has violated my rights 15 use 1681 section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card under a open end consumer credit plan as late for any purpose

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 2022-02-24
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX and XXXX XXXX has for a long time said that I have too many accounts that I have been late on payments. I have never been late with a payment with them or any other creditor. My account with them is now close and I owe them nothing. I would like for them to not have access to my credit because there is a freeze there and I owe them nothing. 

XXXX  XXXX has reported to my knowledge that I am using over 100 % percent of my credit with them. and owe over XXXX USD on my total available credit. This was true but now has been changed to I owe {$74.00} of {$500.00} credit line. I think that is incorrect and needs to be updated to the credit reporting agencies. 

Please if you need any more info let me know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WV XXXX XXXX

Company response to consumer: Closed with explanation