BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-31
Company: Northland Group Inc
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Creditor is XXXX.. This is regarding an XXXX XXXX Account.They turned the account over to a Collection Agency and still continued to charge me interest and late fees. Is this legal? The collection agency stated that XXXX sends them adjustments every month. XXXX will not speak to me. They say they do n't have the debt ... to contact the collection agency..but..they continue to apply interest and late fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: Linebarger Goggan Blair & Sampson LLP
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a ticket from XXXX  for a XXXX, NC red light camera. I had sold the car in XXXX so I just ignored it. Then Linebarger Goggin sends me a letter for debt collection. So I call them saying I don't own this car and I was at XXXX XXXX during the time of the violation. They say I need a bill of sale, all I have is a XXXX payment because I didn't think to photocopy a bill of sale when I'm getting rid of a car asap. XXXX the violation info phone number doesn't work XXXX I don't know how they even got my name since I cancelled the registration in XXXX way before the ticket happened. XXXX I have no way showing I sold it other then I don't have it and I have a {$1900.00} for a car in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: BB&T CORPORATION
State: NC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
BB & T sent me a letter saying I have " delinquent credit obligations with BB & T ''. I only have XXXX open account with BB & T, it has a XXXX balance and has for over six months. It is not delinquent. The letter also says " We have told a credit bureau about a late payment, missed payment, or other default on your account '' There is no late payment on my credit file and my account has a XXXX balance so they have no right to do this. 

They have taken adverse action against me based off this information and I would like for them to remove all erroneous information from my account with them and from the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX  any written consent to report anything on my credit report. No consent is IDENTITY THEFT.

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 2022-10-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I filed a complain earlier ( XXXX ), however, Wells Fargo had not addressed my issues. There was no follow-up from CFPB either XXXX 

I received a letter from Wells Fargo, XXXX XXXX dated XX/XX/2022, I called XXXX  times and left messages for XXXX times. I did not receive her responses at all. Therefore, I file my complain again. 

In her letter, she claimed that the bonus code was not presented. However, she did not present any investigation evidence. It was a common sense for people to bring an incentive code to open an bonus account. It hard to believe that not to bring the code to open an account when I had a bonus code. I had a business account with XXXX Bank for years. I would not open an account without incentive. 

In addition, she said that " not able to locate that a bonus code was applied ''. It is not clear to me if the Code I brought over was created by Wells Fargo, or it is a fake one? 

Please refer to the Letter ( from XXXX ) and the Code attached

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 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX  any written consent to report anything on my credit report. No consent is IDENTITY THEFT.

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 2016-08-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with XXXX services since XXXX my principle has n't decreased yet.I have been in the XXXX keep my home program since XXXX they paid all of my late fees and got me caught up so now XXXX has turned my mortgage over to select portfolio servicing inc.I have never heard of them before however they sent me new statements with a new and higher loan amounts I did modification twice I believe but XXXX keep my home paid all outstanding fees but select portfolio have added it back in.I called them but no luck that 's not right.I have a 30yr mortgage and this is year XXXX and I 'm still paying interest only I do n't know if XXXX is XXXX or household financial.this is predatory lending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
this was filed in chapter XXXX and should be removed off credit report as promised

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 2021-03-15
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX of XXXX, I had a fraudulent check to clear my account with XXXX XXXX. It took them exactly 14 days to give me my money back, which threw me further behind, I was paying AF XXXX about XXXX every 2 weeks fir about 9 months and my credit limit was only XXXX, The bank closed my account so that whoever sent the check through wouldnt be able to do it again. I called AF247 to try to set up payment arrangements, I was told I couldnt set up arrangements and I had to just catch my payments up which I couldnt afford to do, I was strong paying them XXXX every pay period. I didnt hear anything else from them until XX/XX/XXXX stating they sold my account to a collection agency and the amount is now almost XXXX, They wouldnt work with me and now they have doubled the amount as if I havent paid them anything, and reported it to the credit bureau. Thats really wrong of them, they wouldnt set up arrangements with me, never tried to continue me, unless they blocked their number and it came accords as spam risk. I sure Im not the only one theyre doing this to, Im willing to pay what I owe, but I know I dont owe nothing close to that, can someone please help me because this is definitely unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mr Cooper, a financial institution mortgage servicer, has contracted a law firm to abuse a homeowner/borrower/debtor/plaintiff into submission and out of a good complaint where the financial institution is in receipt of homeowners funds, by mistake, in excess of what was accurately billed and had no good cause to retain. The outrageously false statements in Mr Cooper 's response to complaint XXXX, dated XXXX XXXX, is only one example. THIS IS A SERVICING RELATED ISSUE. Please see attachment exhibit b in complaint # XXXX. The XXXX XXXX XXXX  never returned a single call of the plaintiff or attempted contact by phone. The plaintiff has a record of numerous calls to the XXXX XXXX  XXXX. There is no record of any calls from the XXXX area code to plaintiffs only contact phone number XXXX within the dates XX/XX/XXXX to XX/XX/XXXX. This is a requirement in California Civil Procedure designed to bring litigating parties to find resolution to a complaint and not burden the justice department 's resources. California Civil Procedure 430.41 (  a ) Before filing a demurrer pursuant to this chapter, the demurring party shall meet and confer in person or by telephone with the party who filed the pleading that is subject to demurrer for the purpose of determining whether an agreement can be reached that would resolve the objections to be raised in the demurrer. If an amended complaint, cross-complaint, or answer is filed, the responding party shall meet and confer again with the party who filed the amended pleading before filing a demurrer to the amended pleading. The XXXX XXXX  intentionally violates this procedure to inflect distress and frustrate the plaintiff/homeowners attempts to recover his funds. In addition, Mr Cooper 's reluctance to correct a Seterus problem is further frustrating the plaintiff 's recovery to harm in creditworthiness reflected through the CRAs. Please see Mr Coopers reporting of 60 days late in XX/XX/XXXX to XXXX  and other CRAs. Why is there no 30 day late reporting in XX/XX/XXXX? Mr Cooper is manipulating a Seterus problem and further frustrating plaintiff 's efforts in financial recovery and correcting wrong reporting by accruing additional wrong reporting. The plaintiff/homeowner has submitted payments through the Mr Cooper automated phone payment system in the past with the best results of accurate and timely receipt reporting. The plaintiff/homeowner does not want to mail any remittance that is constructively received within 30 days, but reported 60 days late by Mr Cooper. The homeowner/borrower continues to experience significant and material negative financial impact from this abusive conduct and has now suffered permanent financial impairment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: RoundPoint Mortgage Servicing LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my home. I contacted the original mortgage company for disbursement of my escrow funds. I was told that they do not disburse the funds until eleven business days after the closing. I was told that this is consistent with federal guidelines. I paid a title company to handle all relevant issues regarding this transaction. I believe that this is an illegal taking and a provision of some federal regulation that apparently allows this company to keep my funds for an inordinate amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was the victim of bank fraud. I was hired for a new job and sent a check for purchasing hardware and software to complete my tasks. I deposited the check which my bank cleared by the next day completely for almost {$6800.00}. I was instructed where to send the money as well as show confirmation that the transaction went through. Once I completed the transactions, they stopped the check on their side and almost immediately Chase Bank charged me for the transactions. I immediately went to my nearest branch hoping to put a stop to the wire transfer that was showing in my account as still pending. Even after close to an hour on the phone with Chase while in XXXX of their branches, they didn't put a stop to the wire going through nor did they make an attempt to tell the target institution that it was an act of fraud. None of this would be possible if Chase hadn't cleared the entire check overnight and abdicated their responsibility to make sure the money was available instead of shoveling responsibility to me. I called to see if something could be worked out with the bank through their fraud department but all I received was the run-around and eventually being told the fraud department was the wrong place to report the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Convergent Resources, Inc.
State: PA
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:
Convergent Outsourcing account number ending in XXXX has furnished private information onto my consumer report XXXX of XXXX. This Person ( definition of person according to FCRA is any company or entity ) does not have the legal right to collect debt in the state I reside, which is XXXX. I am attaching proof of consumer reporting, proof of address, and proof that said person does not have legal right to collect in the state I reside.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was recently in a car accident the other driver didnt have insurance she decided to write out a check for XXXX BMO put a hold on my account due to the check I tried reaching out to the other driver no response Im not able to open no type of checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I had attempted to obtain old account statements online from Citizens Bank, and a day or so later submitting the request I received a secure message through the online portal with a list of associated fees. When attempting to respond to the message, I received an error message that my response had not been submitted, so I called customer service. Customer service informed me they could only put a new request in on my behalf, and in roughly 48 hours I would receive a phone call with fees that I was required to agree to in order for the order to be processed. Over the course of the next week I had yet to receive a call regarding fees, and I had forgotten about the request until XXXX separate packages arrived with sets of statements, XXXX for the online request and XXXX for the in person request. I immediately checked my accounts and found I had been charged {$90.00} in XXXX account and {$40.00} in a second. I called customer service yet again to resolve and I was told it would be two business days until they could review the recorded call ( this call happened on a Saturday and I was assured I would be called the following Tuesday by an employee named XXXX XXXX in Pennsylvania ). The following Friday I called because I had yet to hear back and was immediately put through to a manager who contacted XXXX directly ( which appeared to acknowledge the issue that this was well outside the norm of acceptable ). XXXX called me later Friday and told me it would be another two business days before he could review the call and offered no resolution. Last night ( the XXXX Tuesday in which a call was promised ) I finally received a call back from XXXX. He told me he had reviewed the call and felt I was aware of the fees. I directly asked him if he listened to how the call ended, where I was required to receive a call back with fee information, and he said the best they could do was take half off the expense ( which rectified the duplicate charge and nothing else ). At the end of the call XXXX refused to escalate the issue and would not give me a contact if I had further questions. As of now XXXX has only credited half of the {$90.00} charge and has not credited the other portion of {$40.00} I was promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-10
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I 've been receiving constantly calls from a Collection Company threatening me to sue me on court. Also, they have told my mother all the information about this situation. This account is more than 9 years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-29
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Rewards

Complaint:
I signed up for an XXXX Gold Rewards Card XX/XX/XXXX and promptly met the minimum spend requirement of {$1000.00}. The offer from XXXX was XXXX MR points upon completing the spend. These points have always been credited within 5 business days of meeting the spend and I 've yet to see them hit the account. Nobody at XXXX is helping me get the points into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Citizens Bank ( CFG ) counts it against the bankers if the customers choose to opt out of the debit card coverage. Therefore some bankers encourage their customers to opt in so that their cross sell ratio on new accounts is not negatively effected. If this happens to you, leave. Or just leave now. They do not know what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Experian Information Solutions Inc.
State: TN
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:
1 ). On XX/XX/XXXX, I sent my first round of dispute letters to XXXX Credit Bureau, XXXX XXXX and Experian Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade Commission ) rules and regulations, all three bureaus had 30 days to delete all fraudulent information from my credit report. 
2 ). On XX/XX/XXXX, I sent three stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. A letter to XXXX Credit Bureau, by XXXX. Postal Service Certified Mail Number XXXX XXXX XXXX XXXX XXXX, a letter to XXXX XXXX, by XXXX. Postal Service Certified Mail Number XXXX XXXX XXXX XXXX XXXX, and a letter to Experian Credit Bureau, by XXXX. Postal Service Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX. These were my first round of dispute letters, for which XXXX Credit Bureau was supposed to remove : XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$3600.00}. XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. collection, account number XXXX, opened on XX/XX/XXXX, with a balance of {$1200.00}. collection, account number XXXX, opened on XX/XX/XXXX, with a balance of {$160.00}. My first round of letters for XXXX XXXX, which they were suppose to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$410.00}. And my first round of letters for Experian Credit Bureau, which they were supposed to remove : XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$36000.00}. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$33000.00}. XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$31000.00}. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$410.00}. 
3 ). XXXX Credit Bureau, XXXX XXXX and Experian Credit Bureau had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and 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 non-monetary relief
Consumer complaint received 2022-10-26
Company: Carvana Group, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/2022 I purchased a car from Carvana, I was scammed. At that time my XXXX  score was around 720, I was in lock down because of Covid so I wanted no contact buying and did everything on line. Carvana tricked me into a subprime car loan over XXXX XXXX interest. These loans are for those with out credit or low XXXX  scores. I complained and was told after the fact they dont consider XXXX  scores. Ther car is a real lemon, it has a bad transmission, the under side is full of rust. The headlights have a moisture problem that causes them to shut off with it warning so I cant drive at night. Carvana is being sued by several state att generals for deceptive business practices. They cant do business anymore in many states, there is several class action suits against them. XXXX XXXX one of the owners Ive learned have criminal charges. I am no match for these people. Im a XXXX XXXX XXXX XXXX retiree. I spent over 35 years in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am heart sick to think this company has scammed so many of us. I hear the FBI is investigating I hope this is true.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: AMERICAN EXPRESS COMPANY
State: DE
Product: Credit card
Issue: Advertising and marketing

Complaint:
When American Express company advertised a XXXX credit card with XXXX bonus points a few months ago I signed up. I spend over $ XXXX on the card but the promised points never was posted. When I called the company the people on the line gave me the run around, transferring me to different departments etc..

Company response to consumer: Closed with explanation