BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I make an ATM deposit every 2 weeks or so at my local chase bank. Included in that deposit is my husbands paycheck. When he forgets to endorse it, I do. I have been depositing the checks for years with no problems. Chase has changed their ATM system and now each time I try to complete a deposit I get a screen that says a " customer service representative will be with you to go over your deposit. ". Then I have to search someone down who is not busy to continue my deposit. This usually takes between 5-10 minutes. Last week, I found an employee who left her office and looked over my deposit. She said " did you endorse these checks? '' I told her " yes ''. She said she could n't accept my husbands pay check. I told her I had been depositing this same check for 30 years with no problems. I did not want cash back I just wanted to make my deposit. By this time I was there 15 minutes for a transaction that should have taken 3 minutes. I was fed up since it was the 3rd time in a row that I had to wait to complete my deposit. I told her how I felt and that I wanted to close my account. She said Fine. I followed her to her office where she proceeded to close my savings and checking account. She took my debit card and came back with a check.. The total of my check was {$87000.00}. At no time did she call over a manager or offer my other solutions to my problem. I told her that I thought it odd that she would just hand over this much money without making any effort to retain me as a custumer. She told me she had made a note of my complaint when entering my info in her computer. With that, I left. I opened a new account the next day at XXXX XXXX. Though I do not want to bank with them anymore, I just wanted a record of how thoughtlessly I was treated that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: American First Finance, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I despise this! I've already spent months sending disputes and filing complaints with no results. This is really bothering me and causing me stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: CarMax, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I detest this! I've sent complaints and disputes for months now, but I haven't received any response. I'm being hurt and under a lot of stress because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Yesterday I started receiving emails from Wells Fargo Online stating I needed to sign into my online account to receive updated disclosure information. I received over XXXX emails but the link and last XXXX digits of the account number on the emails were not mine. I called and talked to their technical support and was told they could n't do anything last night as everyone had gone home. Meanwhile emails continue to come in maxing out my primary email address and then filtering into my back up one. The agent said they would look into it and get back to me. After numerous calls today, I was told it was an error and they could n't stop the emails and I would need to delete them all or filter them out. Since they were all received emails there was no way for me to filter them. I called my internet service provider but no luck, Meanwhile Wells Fargo did nothing to reassure me this was not a security breach and no one had my email addresses and information. They offered no compensation for my time and time spent removing these thousands of emails XXXX at a time. I also stated I was concerned as the customers who did not get these notifications but it did n't seem to be a worry for them.

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 2017-02-01
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card
Issue: Delinquent account

Complaint:
got behind on account. Finally made arrangements over phone with someone to pay XXXX payments by autocharge/monthly. My understanding - this would catch acct back up. Orginally payments were $ XXXX dollars/month. Today 's bill - after 4 or 5 of these paymts in payment arrangement says I need to pay $ XXXX minimum payment. Apparently everything I 've paid over the past year has gone to late charges & interest. I am no where near catching up after this " payment arrangement ''. They are supposed to review account after telling me when I made those arrangements it was not to catch me up. If not - why the XXXX would I have made such an arrangement ( $ XXXX/month ). I have n't heard anything yet.

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 2015-08-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
I have disputed this information Portfolio Recovery and have received no response from the company. Instead, they have updated the account as current and continue to report derogatory information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21
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: Account information incorrect

Complaint:
This account is not mine and has been re opened with new information. It was previously reported closed and then reappeared with a different account number associated to my name and derogatory payment history and now open with a {$400.00} balance. This is completely wrong information and the company told me the account was closed and then minutes later over the phone found another account, that I was told I had to pay. Completely fraudulent company and are doing nothing to help me get this out of my name and off my credit bureaus immediately!

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 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Over the course of a year and after several phone conversations and letters with Transunion regarding a Bankruptcy showing on my reports have refused to remove and states has been verified by third part XXXX XXXX. Per XXXX5 usc 1681b definitions there is no such things as public record and as a protected consumer I have a right to privacy. XXXX did not call me to ask if said bankruptcy could be posted on my consumer report. Nor did i give permission to steal information from courts to be sold to XXXX. As a invasion to my privacy I am demanding this be deleted from my report just like XXXX has done.

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: NAVY FEDERAL CREDIT UNION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I was in XXXX which I have easily proven - it caused me to fall behind on my accounts. My credit card and ck-ing account were tapped out ; yet, I kept up my payments like clock work. When I mailed a postal money order to my local branch, they much later informed me that their post office box was robbed. Leaving me out $ XXXX, which would have made me in the positive with the ch-ing account and a credit card payment made. I went around in circles with them and the post office over the matter. The post office gave me a form that both me and the bank were supposed to sign in order for the post office to refund the money to me. They apparently refused to corroborate. I can not afford any more games or time in this matter. I will, at this time, submit proving I bought and payed for a money with the banks information placed in the right place and mailed to them in a timely fashion. I 'll also leave my contact information looking forward to hearing from someone soon. I have been a member of this bank before they bought out the other credit union they replaced. The bank is Navy Federal Credit Union located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX basic number is ( XXXX ) XXXX. The lady who did me dirty is called XXXX. I live at XXXX XXXX XXXX XXXX Ca. XXXX, and my phone number is XXXX XXXX XXXX XXXX. My e-mail is XXXXXXXXXXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was contacted by Portfolio Recovery regarding a charge account that was delinquent. They called my cell phone repeatedly each day and sent the information to XXXX XXXX XXXX where I was informed I had to pay the amount or I would be sued in court. During this time I was going through a tough financial time as well as recovering from a divorce but felt pressured to comply or fear going to court. ( I have never been to court so that aspect scared me to death as I was n't sure what the Judge would order. I did n't want to go to Jail and not be able to see my son ). I had to borrow the money to satisfy the outstanding debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have been a loyal member of Navy Federal Credit Union for over 35 years. In early XXXX I received an offer to transfer balances to my credit card at 1.99 % for 15 months. My husband also received an offer for 9 % at nine months. I already have a Visa credit card with NFCU and am being charged 9.9 % interest. I telephoned and emailed NFCU asking if the same offer I could receive offer of 1.99 % for 15 months so as to assist in bringing my credit card payment down and avoid the current $ XXXX/month in interest. TSaving $ XXXXmonth in interest at this point in my life with two college tuition to pay for would help a lot. NFCU responded saying " thanks for being a loyal member, but THAT offer is only for NEW members ''. How does this make sense? Then don't make the offer and reject me because based on me NOT being a NEW member. You don't want to assist a LOYAL customer who has over 10 family members banking with you, and a mortgage with you. It's terrible advertising and why send me the offer if you don't mean it? I'd like to ask and think it's only fair that NFCU allow me the 0 % interest rate for 15 months on my credit card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX XXXX XXXX | Reviews | XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. ( XXXX ) XXXX. XXXX XXXXXXXX & XXXX. This business is not XXXX  XXXX. 

I paid XXXX XXXX XXXX XXXX XXXX XXXX in XXXX for a HSBC XXXX Bank credit card debt ( Card XXXX XXXX XXXX XXXX ). A new collection agency contacted me saying they are going to file a legal suit ( A & XXXX management ). I contacted XXXX XXXX XXXX XXXX at the above information to procure a paid in full letter to give to the new company. 

The person at the ( XXXX ) XXXX took my name and the last four digits of the card. I gave both. He said yes, we show that as paid. He then asked what is the available balance on the card. I said it was closed and charged off in XXXX. He said you have to tell me the available credit. I said : Well, okay then zero. In order for us to send out that letter, you have to get a HSBC Security Card. I asked for him to explain how I would get that. He said go a store that sells cards ( grocery, department or drugstore ) and buy it. I will wait on the phone. I said I am not in town. Please explain the process. H said you go in the store, go to the cards and get an XXXX card. I said with money on it? He said yes with {$200.00} on it. I said : All I want is a paid in full letter I shouldn't have to pay {$200.00} for that. He said : Why are you so negative? We will put the money toward the account. I said : I already paid the account in XXXX. He said, yes, I understand but let me tell you what happened : Someone used the account. You have been hacked. They did a lot of shopping on XXXX. For security, you send the card and we can close your account so that you do not have to go to court and it all gets settled and we can send the letter. I responded : You're a law firm and you are asking me for {$200.00} to send a paid letter for a debt you already collected? He responded : Whatever and hung up. 

I called back the XXXX XXXX XXXX XXXXXXXX and am now paying them again to avoid civil litigation. XXXX XXXX XXXX  settled for {$300.00} in two payments which I am paying because they say that the debt is still viable for civil litigation even though the last payment was made to HSBC XX/XX/XXXX and it was sent to collection XX/XX/XXXX and then paid to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. XXXX never sent a paid letter or email, but I do not still owe this HSBC debt and am now paying a second time. 

I wanted to see what would happen when I called back XXXX XXXX XXXX XXXX XXXX. Another man answered 'Microsoft XXXX. I explained that I had just spoken to someone about getting an XXXX card to release my paid letter from an old debt on a HSBC credit card He asked : Did you purchase the card? I said : No, I need to understand the process. He hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
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: Account information incorrect

Complaint:
This account is not mine and has been re opened with new information. It was previously reported closed and then reappeared with a different account number associated to my name and derogatory payment history and now open with a {$400.00} balance. This is completely wrong information and the company told me the account was closed and then minutes later over the phone found another account, that I was told I had to pay. Completely fraudulent company and are doing nothing to help me get this out of my name and off my credit bureaus immediately!

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 2021-03-14
Company: General Motors Financial Company, Inc.
State: MI
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:
GM Financial took over {$3400.00} out of my account without authorization for a turned in lease over a period of months. We assumed the payment coming out was for our active lease. It appears the new lease ended up 60 days behind because of the payment being removed and applied to a closed lease. We were refinancing our home when this hit and it has cost my family thousands. All I asked was my credit report to be updated. In over a decade Ive never missed a payment and GM Financial had over applied {$3400.00} on a closed account and only returned when we argued money had been taken. We had no access to the see the lease account w/ {$0.00} they posted payments to instead of new lease. They had {$3400.00} of stolen dollars if not misapplied as I signed a document all scheduled or auto draft payments for that lease would be cancelled. Ive never been late with them nor have any other late payments on my credit report, they XXXX my family as we had an opportunity to lower our house payment by {$1000.00} a month and GM Financial is unrelenting. I would like my credit report fixed and if not GM Financial I want GM Financial treated the same as any other company that steals consumers money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Westlake Services, LLC
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Westlake Financial Services continued to report charge off to credit bureaus post bankruptcy. Bankruptcy was filed on XXXX/XXXX/2016. Their action violates the bankruptcy automatic stay. Multiple credit disputes by credit bureaus has not resolved the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: AmeriHome Mortgage Company, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We took a mortgage loan for property XXXX XXXX XXXX  XXXX NJ XXXX on XX/XX/XXXX, and paid upfront Mortgage Insurance for {$6900.00} to avoid Monthly PMI payments since we put a down payment of 5 %. The loan was closed by XXXX XXXX XXXX XXXX XXXX Loan Officer - XXXX XXXX NMLS ID XXXX but currently serviced by AmeriHome Mortgage Loan Account XXXX However, we refinanced our mortgage with a lower rate, and AmeriHome Mortgage Account # XXXX was fully paid on XX/XX/XXXX. Therefore, I contacted the AmeriHome Customer dept to issue a Partial Refund of upfront paid Mortgage Insurance - {$6900.00} since the loan was fully paid in 14 months ( less than two years ). The Customer Rep asked me to send a written request for a refund, which I did two times XX/XX/XXXX ref # XXXX & XX/XX/XXXX ref # XXXX using AmeriHome online Message Center and both times they dodged my written query and second time closed it with no response. So I filed a complaint with XXXX XXXX XXXX, Complaint # XXXX, after which Amerihome Custome Manager XXXX XXXX contacted me and assured refund would be issued within 60 days. 

However, after a few weeks, Amerihome refused to issue a refund by saying that policy is non-refundable and asked to file an appeal with the XXXX customer dept. We were shocked to see the response as this was utterly cheating customer trust and causing significant financial loss without any of our faults. The policy details were never disclosed to us when closing the loan on XX/XX/XXXX ; neither did we sign any policy document showing it will be non-refundable. 

The Mortgage Insurance policy from XXXX XXXX XXXX, XXXX Certificate # XXXX, was bought by Loan Officer XXXX XXXX. In fact, when I was trying to refinance my loan last year, I first contacted the same Loan Officer, XXXX XXXX. Even at that time, he mentioned the policy would be refunded after they processed my new refinance loan and ran my credit in the last week of XX/XX/XXXX. But we proceeded to refinance the loan with another lender since they offered a better rate. 

As Amerihome Mortgage suggested, I sent an Appeal to the XXXX Customer dept via email on XX/XX/XXXX with all the details. Additionally, Loan Officer XXXX XXXX called me on XX/XX/XXXX, assuring a refund would be issued, when I confronted him on the call that you never disclosed policy terms or shared any policy documents during the closing. 

At this point, we attempted multiple times to resolve this issue and getting no help either from the Lender or XXXX policy issuer. For reference, attached is the email thread with XXXX and Amerihome Mortgage. The lender never shared any policy details or documents with us during the loan closing, which is a violation of the financial transparency law, refusing to accept their responsibility. I humbly request to help my family suffering a significant financial loss without any of our faults.

Company response to consumer: Closed with explanation