BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-13
Company: Argon Credit
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
At first it was pleasant smooth and an easy process I was told at XXXX that everything was finished and that I would receive my funds in 24-48 hours when I called about a confirmation email I was told at XXXX that my status was changed to decline with no reason why and when I explained to them about earlier conversations they claimed they had no record of approval for me when I tried asking for a supervisor none were there also the XXXX people that told me I was funded when I tried contacting them the mailbox was full XXXX I recommend you stay away from this company as they are a scam and play with people 's emotions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: I.Q. DATA INTERNATIONAL, INC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
IQ DATA INTERNATIONAL IN XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with IQ DATA INTERNATIONAL IN Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt IQ DATA INTERNATIONAL IN purport I owe. I request that IQ DATA INTERNATIONAL IN Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt XXXX. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IQ DATA INTERNATIONAL IN Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
2018 opened my auto lease account with Chysler capital, 6 months later I totaled it. I had full coverage insurance for the vehicle under my fathers policy with me as the driver. The insurance company did not pay per the {$1000.00} deductible agreement. The auto loan was for around $ XXXX. They paid about {$9500.00}, leaving over {$6000.00} remaining owed on the loan. Chysler Capital did not properly investigate and instead tried to charge me the remainder. After refusing to pay since I had full coverage insurance, which they have proof of, they wrote off the loan as a loss. I was falsely charged with a debt that should have been paid by insurance. The insurance company refused to speak to me after I reported the wreck. They only spoke with my father since it was listed under his policy. Im unaware of the communications my father and the insurance company had.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Paypal Holdings, Inc
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Paypal has limited my account such that I can not withdraw anything and is withholding the balance of my account for 6 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-27
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021 I tried accessing my Chime Account and it didnt allow me access stating my login info wasnt correct, I then emailed them I was having trouble accessing the account they then replied my account was suspended due to them needing information about where my funds come from that were deposited into my chime from my ( XXXX XXXX, XXXX, and XXXX XXXX  ) they stated I needed to provide My ( ID, Explanation, Documentation ) of the transactions from these other platforms, I then called to speak with a representative to confirm this is what was needed and they stated they didnt have a call line to speak with fraud department and could only speak with them via email, I then complied and did so via email as I was instructed to do so the rep assured me this would resolve the issue which it didnt and they sent another email stating I now needed to send them these documents ( Picture of myself holding my ID Card, Social Security Card, and Statements from ( XXXX XXXX, XXXX, and XXXX XXXX  ). I then reached back out to them asking my this information wasnt disclosed in the email in the 1st place they then told me they couldnt release my account or funds until I did so or my funds would continue to be held my them until I provided those documents and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: MORGAN STANLEY & CO. LLC
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
This complaint is in reference to a Modification filled with Saxon XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. My Loan number is XXXX. 
I have tried to get a Mortification for my home for 6 years. I am filing this complaint against my XXXX Modification Company, Saxon. They held my mortgage for 3 years. Then once the approved my modification they sold my loan and the process begins again. 
I became in financial trouble due to XXXX with friends. They XXXX left within a year and left me with all the financial debt. A {$60000.00} investment divided by XXXX was {$20000.00} each til they left and now I was left with a {$60000.00} debt in my name, during the worst financial times, because I financially funded the project. They left and XXXX after I taught them how. They left me in a financial mess. 
In XX/XX/XXXX my mortgage was current ; I called Saxon XXXX and explained the situation. I was told that I could not receive a modification unless I was 90 days behind in my mortgage. They told me I was eligible, so I decided to proceed and let my mortgage become delinquent so I could lower my payments. I figured I would get the modification right away and be on track. I was naive and made a big mistake. I should have gone to a traditional bank and apply for a standard 30 year mortgage. 
Now XX/XX/XXXX to XX/XX/XXXX with Saxon ( loan number XXXX ) no modification. I applied each month for 3 years and they never received the paperwork or the paperwork expired after 30 days and I would reapply. A terrifying experience, month after month, I applied with no modification. In the meantime, I realize, I am not qualified to deal with this situation alone. I hire a mortgage consultant to help me with this process. Finally XX/XX/XXXX, after 3 years of this nerve racking experience, they grant me a modification. During the trail modification, I pay early and on time for all XXXX XXXX payments. After the XXXX payment of the XXXX modification, I receive a letter from Saxon informing me that they sold my loan to XXXX ( a subsidiary of Saxon ). I do not get a modification from Saxon after three years of a terrifying experience. My mortgage is now in limbo. I am terrified, will I have a home? I did all the right things, followed all the instructions and no Mortgage. 
Now informed by XXXX ( loan number XXXX ), they do not honor trial modifications and I need to reapply for a XXXX modification with them. But, they give me the option to sell my home to them? The loan amount was {$370000.00}, my home is worth {$450000.00}. and they want my home? 
I was horrified, scared and bewildered. What was I to do? 
This complaint involves XXXX consecutive companies Saxon, loan number XXXX, XXXX ( loan number XXXX ) and now XXXX ( loan number XXXX ) I was told by CFPB, I need to file XXXX individual complaints against each company. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: ERC
State: NY
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:
I had an account with XXXX in XX/XX/XXXX this was previously disputed for XXXX $ $ because at & t sold their towers in the area of my employer so my father and I whom both work here could not receive any phone calls while in our job, XXXX agreed and deleted it from our credit report. Now they 're saying I owe a combined about of XXXX sounds like XXXX is trying to combine the XXXX XXXX my father and I owed for termination onto my report only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-10
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX of XXXX I received a debt collection letter from " Schlee & Stillman Law Office, LLC '', regarding a debt I supposedly owed a " XXXX XXXX XXXX ''. I immediately replied ( by certified mail ), requesting details of the debt, including copies of statements, amounts owed, prior collection efforts, etc. 

I received absolutely no response until yesterday ( XXXX XXXX, XXXX ), when I received what appears to be a copy of a Garnishment Summons, relating to a judgment apparently obtained in XX/XX/XXXX against someone with a similar name to my maiden name. 

I do not believe I owe this debt, but apparently this law firm is attempting to garnish my wages, and will not even respond to my attempts to contact them. I have attempted to call them, and get nothing but a recorded message about their firm being a debt collector - no human ever answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bank with JPMorgan Chase Bank. I've been baking with Chase Bank for almost 2 years now. 3 days after I open my Chase account in XXXX of XXXX. 3 days after opening the account it was a fraudulent money withdraw done in XXXX XXXX on my account. Unfortunately I was not in XXXX XXXX. I had possession of the the card. I called Chase to dispute the charges ensure me that what's me, the equivalent of {$220.00} what's lost. I'm insure to chase that I am a victim of identity theft and it was not myself. Just switched bank account numbers and insured me that it's impossible for someone to take money out of my account. Just recently in XXXX of XXXX XXXX an unauthorized person withdrew {$200.00} out of my checking account. I called Chase customer service explaining to them that someone has access to my account that was unauthorized. I'm a victim of identity theft. My account was not secure and I had one account completely Frozen in another account completely compromised. All the fraudulent money transfers cost me {$2500.00}. I requested to close the account. Cases for me that they could not do anything about closing my account because of the open investigation. I now I have three accounts open with Chase that I can not close. I am overdrawn in one account due to fraudulent money wires and withdrawals. Chase refuses to honor the the policy of replacing my funds in my account. Instead I have spent countless hours on the phone and I have had at least two accounts taken over within the last month. Chase seems to not have a solution for this issue and is now not going to reimburse me for the fraudulent withdrawals and charges

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The credit report from Experian has information intermixed with someone else, including address, Social Security Number, financial records, etc. I sent a certified letter informing Experian about the errors. They received the letter, but gave no response or further contact from them. There has been no attempt to correct the problem. 
I have been in contact with the person that my records are mixed with and he has had no success in correcting the problems.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Payments have been made twice a month, in advance, for over 5 years. The bank continually delays posting the payments and periodically assesses late charges incorrectly. Now they have actually returned payments. As of now, the interest charged on the account is far in excess of what is actually due.

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 2017-03-01
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX VA XXXX SS # XXXX Loan # XXXX Registered Loans Loan Number XXXX Property Address XXXX XXXX, VA XXXX Loan Status Loan Active Freedom mortgage is not reporting my good credit history to the three reporting agencies

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 2015-09-09
Company: Aargon Agency, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX collection agency put this on my credit. I told them it was not mine and to remove it and they did. They sold to a XXXX collection agency who put it back on my credit, who is telling me that I have to dispute with credit bureaus. The debt is my wife 's and hers alone. They said she had XXXX ss numbers and that 's how it went on my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2021-06-27
Company: EQUIFAX, INC.
State: LA
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 am a Victim of Identity Theft and was advised by the Federal Trade Commission that I should file a report or complaint with the Consumer Financial Protection Bureau to resolve this matter and issue of fraudulent items reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: TRANSWORLD SYSTEMS INC
State: NJ
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:
on XXXX/XXXX/2014 i was traveling from XXXX to XXXX. l dont use XXXX and paid all toll by cash. 
that day about XXXX a couple of car approached to cash toll for paying toll fee, but no one there for collecting money. ( no one all cash boots ) about 5 minutes all cars ( about XXXX cars ) waited to pay but no one showed up for collecting toll money. 
we went next cash toll boot and told her no one was there and we could not pay by cash. 
she said fine and she collected {$8.00} and she gave me the attached receipt. 
about 10 days later l received a letter about toll violation letter and l called XXXX Department of Transportation and told them what was happened. and sent letter with the receipt. back and forth finaly they gave me a collection agency and reported credits B. 
I would like to solve this problem and not blamed on it because i did pay and did n't do wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/XXXX, I received a letter from XXXX regarding a debt. The debt was in the amount of {$14000.00} and from Midland Funding. I have no idea what this debt is, so I responded to the letter with a certified letter asking for the amount and age of the original debt, the name of the original debtor, a copy of the last billing statement sent from the original creditor, if there were any payments made on the debt, and any interest, fees etc on the debt. They followed up with a letter stating the name of the original creditor was XXXX, and a different amount of {$14000.00} owed, an assignment of the bill of sale of the debt from XXXX to Midland Funding dated XX/XX/XXXX, and a copy of a court document dated XX/XX/XXXX stating that the default amount of the debt from Midland funding was {$9500.00}. I do not know the dates of the original debt, I was never notified of this court hearing and I am under the impression that this debt was paid in full to XXXX. I do n't remember having ANY contact with Midland Funding. I am still unclear what the {$5400.00} difference is in the amount owed and the current amount and I do n't feel I have a clear understanding where this debt came from and when the original debt supposedly went into default. I think this debt is beyond the statute of limitations in Illinois and is time-barred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/XXXX I called Citizens Bank to ask how I get a statement ... .I was looking for a {$40.00} or {$50.00} check I wroth the IRS XX/XX/XXXX or XX/XX/XXXX ... ..my bank only keeps statements on line for 18 months. So I missed it by 4 days ... ... I was told that the bank could mail me a copy of XX/XX/XXXX If check not there, I could then get XX/XX/XXXX. The next day my account was debited {$120.00} for the statement ... ... ... .I called the bank ... was the put to a supervisor was was going to get back to me ... ... .I am stilll waiting ... ..Who in there right mind would generate a Debit for {$120.00} for a canceled check that 3 days prior could of gotten off their I pad? .. I was ripped off ... ... .looked on line. There is no mention of a {$100.00} to reproduce a statement. No one told me at the time on the phone ... ..not fair to the client

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I had a Wellsfargo representative set up automatic payment on my checking account for my Wellsfargo automobile loan. I was told that the automatic payment was going to start XXXX/XXXX/16. I went up to the Wellsfargo on XXXX on XXXX/XXXX/16 withdrew {$200.00} to pay my automobile loan and was told by the teller that I did not have to pay because the money was scheduled to come out automatically. I then get a phone call from Wellsfargo beginning of XXXX that my payment was past due. So on XXXX/XXXX/16 I went up to the bank and withdrew {$240.00} and paid my past due balance and at the time I was told by the teller they made an error and the automatic will definitely become effective and the money would be taken out on XXXX/XXXX/16. I then get another call from Wellsfargo in XXXX that my account is now TWO months past due. So I went up to the Wellsfaro on XXXX on XXXX/XXXX/16 again to express my frustration and I then paid a total of {$530.00} to bring my account up to balance. I spoke to a manager who expressed to me he would get to the bottom of it. Then on XXXX/XXXX/16 they came to repo my car and come to find out the bank teller applied my {$530.00} to the wrong account ( my personal Wellsfargo loan instead of my automobile loan ). So once they figured out the mistake they made they did not take my car. Then on XXXX/XXXX/16 {$200.00} was a automatic payment taken out and again posted to the wrong account. My Wellsfargo account for the month of XXXX, XXXX and I believe XXXX are listed as delinquent as per the credit union. So I have been trying to get Wellsfargo to contact the Credit Bureau because it was their fault my accounts became delinquent and I have been going back and fourth with them since XXXX and no one has yet to rectify this situation for me. I was finally able to reach someone higher up by the name of XXXX XXXX ( not sure of the spelling of his last name ) at dealer services in XXXX who initially seemed like he was going to help us but after calling his phone ( XXXX ) for a week straight and leaving a voicemail every day with no response I feel like I am being ignored again! All I want is the delinquency to be taken off my account so I can move forward and begin my home buying process. This is extremely unfair that I am being penalized for something that was Wellsfargo fault and the fact that no one is trying to help me is unacceptable! Someone at Wellsfargo needs to be held accountable for what they did to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation