BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Re complaint # XXXX On XX/XX/2016, Wells Fargo " beat me to the punch '' and notified me that they were closing my checking account. 
About the same time I had intended to close my account but that may be immaterial. 
When I called to inquire about collecting my money in the account, {$33000.00}, I was told that my account was frozen and that I could not get my money until PROBABLY XX/XX/2016. 
When I asked why the account was frozen, the only response I could get was " We decided to close the account and, per the documentation when you opened the account, we can do so at any time without having to specify a reason ''. 
I agree that this is in the papers. However, unless there is a legal reason to do so, they have no right to refuse access to my funds. 

I filed a complaint with you and, as a response, around noon today ( XX/XX/2016 ) I received a phone call from a XXXX XXXX ( phone : XXXX ), who told me to go to the nearest Wells Fargo location, tell them that I was there to close my account and that I had been told that the branch where I closed the account would give me a cashiers check for my funds. 
At the XXXX XXXX branch, the woman I spoke with, XXXX XXXX, called corporate and was told that they would NOT authorize the release of my funds. 
I made a call to XXXX XXXX who told me she would check it out and get back to me this same day ( XX/XX/2016 ). At about XXXX she called me back and told me that corporate would not yet release my funds and, being a long weekend, she would TRY first thing Tuesday XX/XX/XXXX. 
I told her that I have done nothing illegal and she responded with " You have told me now twice that you have done nothing illegal, why? ". I responded with : " Without having been given a LEGAL reason as to why my funds is held, it is illegal to freeze my funds. 
If there is a LEGAL reason like a crime or potential crime, I have the right to know what this is. " We decided to close your account '' I can accept. However, without LEGALLY documenting as to the reason why Wells Fargo is holding on to my funds Wells Fargo is obligated to release my funds the same day that they close my account ''. 
So far I thus have neither my funds nor a legal reason as to why. 

If at all possible, I want my money tomorrow, XX/XX/2016, since some of the branches are open until early afternoon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-04
Company: WELLS FARGO & COMPANY
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Last year we requested deferment of 3 months, Wells Fargo is stating that we authorized one month which we are disputing. There was no communication sent detailing the deferment, terms or the fact it was {$25.00} to process. We have been 2 months behind since then and are seeking assistance from Wells Fargo Dealer for help. 
I 've left messages with XXXX from the Executive Office at XXXX ext XXXX with no response.

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: Westlake Services, LLC
State: IN
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:
On JuneXX/XX/2021 I traveled from Indiana to XXXX, New York to purchase a vehicle from a private seller. I was told there was a lien on the vehicle, so I traveled with the seller to his bank, XXXX XXXX XXXX, and I paid off the remaining loan on his vehicle, XXXX approximately. I gave him a total of XXXX for the vehicle which he had previously purchased from a dealership for around XXXX. I recived the title for the vehicle, bill of sale, and lien release. 

However, on return to Indiana and while attempting to register the vehicle, I was informed that I could not register it due to the fact there was still an open lien on the vehicle through a different bank called Westlake Financial based in XXXX XXXX, CA. I have attempted to contact Westlake over 15 times concerning this issue via both phone and email. I have sent them a number of emails stating my situation and providing proof of ownership with scans of the title, bill of sale, ect. but have received no response.

I simply want to know if there is in fact a lien still on the vehicle, how much money remains to be paid off, and if the lien has been satisfied I would like to receive a lien release so I can finally register and drive the vehicle I paid for. The previous owner is not cooperating either, but Westlake should be able to provide me with the information I request at this point. Thanks for your time!

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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
In a response letter reference # XXXX dated XX/XX/2021 to a pre-qualified credit application I filled out, CAPITAL ONE AUTO FINANCE has deprive me of my rights under color of law pursuant to 18 USC 242 and the Equal Credit Opportunity Act by denying my prequalified credit application and discriminating against me on the basis of : as you stated " my personal obligations and lack of revolving accounts '' which is not a valid and lawful reason to deny me credit on my behalf and is in direct violation of 15 USC 1691 ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION which clearly states it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction which you have done by denying my prequalified credit application and depriving me of my right to credit under color of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I began the short sale process XX/XX/XXXX with Everbank Mortgage and XXXX. I submitted all requested documentation several times over and complied with all requests. Everbank approved the short sale XX/XX/XXXX. XXXX verbally agreed to an amount they would receive from Everbank. Then, XXXX sold the loan to XXXX who has now asked for over twice the amount that XXXX had agreed to and Everbank, who is the XXXX Mortgage, will not agree to more than {$6000.00} to the XXXX. Neither one is willing to negotiate to conclude the short sale and the only one that will be hurt by this is myself and my husband, who will now have a foreclosure on our credit. If the investor agreed to an amount with XXXX prior to them selling the loan at the last minute to another servicer, then why would n't the same servicer agree to the same amount? This is the new servicer trying to recover funds that are not available in a short sale. How was XXXX even allowed to sell the loan at the end of a short sale negotiation? This is unethical. I am asking you to please get involved to help get this short sale completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My personal information was compromised and someone fraudulently opened an account with Chime. Since I dont know the account number I can not access live support, and messages sent to their support email address go unanswered. 
The company touts 24/7 support but actually offers support to members only between the hours of XXXX and XXXX, Monday through Friday, and a short while on Saturdays. 

Scammers are aware and taking advantage of Chimes false advertising, and the company is ill-equipped to handle such issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Total Card, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX XXXX my bill for {$50.00} did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of my bank but it was rejected. They never notified me of the rejection and gave me this late payment.I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I am not sure this applies but here is what happened ... 

Today I made a reservation through XXXX for a hotel room in XXXX XXXX, CA. I entered the wrong date and realized my mistake within XXXX minutes and called XXXX to see about a date change. The room was originally XXXX and they wanted an additional XXXX to change the date ( this included the XXXX date change and the rest is the penalty fee ). 

I went back and looked and of course in the small print it says no changes but I did not notice that while make the reservation. It just seems a bit steep to charge XXXX to change the date of a reservation XXXX minutes after making it. Any help would be great or at least put others on notice so they do not fall for the same thing! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: ALLY FINANCIAL INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2021 XXXX XXXX XXXX came to my abode location and attempted to seize my property without my permission and without court order or judgement in which is theft. This is a violation of my federally protected consumer rights. It is unlawful and theft for my property to be seized by someone without my permission. XXXX XXXX XXXX did not have my permission to contact me. ALLY FINANCIAL sent them to seize my property over an alleged debt that was already paid for. My car was already paid for through a consumer credit transaction. I put a downpayment of {$4000.00} which is illegal in a credit transaction under the provisions of 15 USC 1605 ( a ). Also a finance charge was in connection with the consumer credit transaction in which is the SUM of all charges in which I do not owe any monetary amount every month. ALLY FINANCIAL has committed fraud in this alleged contract without disclosing my right to rescission and the provisions under Truth in Lending Act. ALLY FINANCIAL and XXXX XXXX XXXX  has violated my federally protected consumer rights through abuse and oppression. This is prohibited by federal 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 explanation
Consumer complaint received 2021-09-27
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I opened a Macy 's credit card on XXXX  XX/XX/XXXX in order to receive 25 % at the time of purchase. I was under the impression by the sales associate that after the discount was applied that I was paid in full. It turns out I had {$5.00} of remaining balance on the card. My address changed because I moved and did not receive any statements, emails, or phone calls from Macy 's telling me that I still had a balance due. I eventually found out about this when I went to the post office to find Macy 's overdue account statements waiting for me. Macy 's put my {$5.00} into collections without contacting me beforehand by phone or email. Now my credit score has dropped by 80 points due to a {$5.00} charge that I was not informed about.

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 2017-01-17
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
PINNACLE LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX XXXX ( ORIGINAL CREDITOR-XXXX PART XX/XX/XXXX BALANCE {$280.00} I DID NOT HAVE XXXX XX/XX/XXXX, I DID HAD XXXX XXXX XX/XX/XXXX FOR 7 DAYS, I PORTED MY NUMBER TO TMOBILE.I CALLED XXXX XXXX 11 TIMES FROM XX/XX/XXXX TO XX/XX/XXXX FINALLY A XXXX REP CALLED ME, THE REP TELLS ME I OWE {$280.00} FROM ACCOUNT FROM XX/XX/XXXX, I ASK THE REP WHY DOES IT SAY XXXX, THE REP TELLS ME XXXX DID NOT PUT IT ON MY CREDIT REPORT-THE REP TELLS ME PINNACLE LLC C/O RESURGENT PUT IT ON MY CREDIT REPORT, I CALLED PINNACLE LLC XXXX RESURGENT XX/XX/XXXX A REP TELLS ME XXXX PUT THIS ON MY CREDIT.I HAVE DISPUTED THIS ACCOUNT WITH XXXX, XXXX AND XXXX ( XXXX FILE XXXX ( XX/XX/XXXX.XXXX XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, 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:
To whom it may concern today 's date is XX/XX/2021. XXXX XXXX hit me with a hard inquiry on XX/XX/2021. I did not sign anything or give anyone authorization to pull my credit profile so this is inaccurate. I called XXXX XXXX I believe it was XX/XX/2021 that I do have an account with XXXX  XXXX card and if i did ask for an increase it would have been online and its a soft inquiry unless I give them permission to run my score which i did not. the lady said she wasn't sure if was that and she would call me if was misunderstanding online. She had also said it appeared to be a new inquiry. I than asked if she meant a new card? she implied yes. Okay with that being said she said would be removed between 7 days. I am looking at my credit report it still shows on my XXXX, exquifax and XXXX. Which again I did not apply for any new cards with XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I made a purchase using my XXXX XXXX credit card issued by Synchrony Bank on AprilXX/XX/2021. I received the invoice directly from XXXX XXXX, not a statement from Synchrony.

I paid the bill in full via check on MayXX/XX/2021. I informed Synchrony that the payment had been made. They took it as a dispute/lost payment request. They issued my account a credit. Later they reversed that credit and placed the charge back on my account and I received a statement. 
That's when all the email communications started. This has not been resolved, the account is paid and even if they reversed the credit, it would have zeroed out the account since it had already been paid. 
I have attached all communications with them and the invoice and payment. I do not see how I have a balance. This has been going since MayXX/XX/2021.

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 2021-09-27
Company: Experian Information Solutions 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:
To whom it may concern today 's date is XX/XX/2021. XXXX XXXX hit me with a hard inquiry on XX/XX/2021. I did not sign anything or give anyone authorization to pull my credit profile so this is inaccurate. I called XXXX XXXX I believe it was XX/XX/2021 that I do have an account with XXXX  XXXX card and if i did ask for an increase it would have been online and its a soft inquiry unless I give them permission to run my score which i did not. the lady said she wasn't sure if was that and she would call me if was misunderstanding online. She had also said it appeared to be a new inquiry. I than asked if she meant a new card? she implied yes. Okay with that being said she said would be removed between 7 days. I am looking at my credit report it still shows on my experian, XXXX and XXXX. Which again I did not apply for any new cards with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: AES/PHEAA
State: GA
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:
Fedloan still reporting on credit report even though account shows closed and well over 7 years. 

Fedloan XX/XX/2012 {$4500.00} Fed Loan XX/XX/2012 {$9100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Colony Brands, Inc.
State: LA
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 disputed an item on my report because it was paid in full but was not reflecting that payment was made. I contacted the collection agency and explained that the account was paid in full and faxed a letter and receipt from the original creditor stating this. When investigation on dispute was completed it still was not updated.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sent this email to Mr. Cooper and XXXX : Im writing to plead my case on my modification. Our situation is different in that our servicer admittedly made the mistake and causing us to move our case to the XXXX and Attorney General should we not be able to resolve this with Mr. Cooper. Which we really dont want to have to pursue as we both work and our family is extremely busy as most are these days. 

The situation is this, my family and I are attempting to take cash out of our second home and we were approved to do so. We were approved based on the fact that I completed the modification process with Mr. Cooper and complied with all of the guidelines that XXXX XXXX  Required, ( see attached email from your office to Mr. Cooper ). We in fact did that on my loan, only to find out that Mr. Cooper had dragged their feet and the modification documents had expired. This caused my loan to have to go through the modification process again. 

After numerous calls to the Servicer, they admitted that I needed to quit claim the property out of an LLC for that modification to be completed, but Mr. Cooper admitted that they had forgotten to tell me to do this ( which I have on a recorded call ), hence this caused the documents/process to expire forcing me into another modification process and three more trial payments.

Here is the impact, rates have gone up, the modification process is starting over again and now my current lender is stating that I need to make three payments and the modification has to be completed ( again ).

With interest rates going up, My fear is that Im going to now have to pay more to obtain this loan and may be forced out of qualification for the XXXX XXXX  Loan which we have been approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just receive a notification of collection on my name which Im not aware of, I own a house which I live in it for about 4 years now, and I have never made any deal or contract with this apartments I would love for them to show me copies of prove of my social, driver license and my signature on their papers which those things are required to get someone in collection because I know they shouldnt have because I wasnt the one that do this any recordings about me entering to their office to do this I would like them to provide just as the same way they stating this is my account I want prove of that

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: WELLS FARGO & COMPANY
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I have XXXX complaints, the first is that I believe I was discriminated against, with an XXXX credit score I received an interest rate at 5.64 %. I am unable to disclose the names of individuals in my same situation with a credit score less than mine at 3.88 % and one less than that.. My second complaint is, my daughter had a XXXX in 2015, in an attempt to assist her while she was out of work I agreed to co-sign for a refinance auto loan ( same as above ). The documents were sent with both our names, we completed the forms and sent them back. According to a auto finance rep, there was an error and documents were reset to my home, labeled with where I should sign. My daughter went to trade in this vehicle for a lease and this is when we found put that she was not on the loan contract. We also discovered that this is an issue because I am not on the title or vehicle registration. They told us I just needed to be on her insurance. The dealership could not get title from Wellsfargo, Wellsfargo said that the title is " not perfected ''. We called the original loan company, XXXX XXXX XXXX and they explained that they did not release the title to Wellsfargo, but they will send the title to my daughter. We are confused and hurt. My daughter has not gotten any credit for her excellent payment of the loan, because her name is not listed on the loan docs ( they were originally, she initiated the loan ). We are in a bind and want to know if this is legal. Also they neglected to tell us that this loan was for 72 months at XXXX. My daughter has already payed XXXX for this honda accord as she had it for three years ... Now she 'll be paying XXXX over 6 years for a car that is 5 years old. At the end of the term she will have paid XXXX for a XXXX car. What have they done? 

We called to refinance yesterday and they now say that there is something wrong with my social security number. Well I have had this social security number for XXXX years, It is the same ss # they used to approve the auto loan last year and I have been a customer for over 20 years with wells fargo, so why now is my ss # a problem, again discrimination.

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