BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-20
Company: TD BANK US HOLDING COMPANY
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid off my car loan to TD Auto Finance and they still withdrew a payment for the loan. I have tired to phone them, no success. I sent them a message regarding the situation and the response is it may take up to one month to receive a refund for the dollars they took out of my account. One month is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America has charged me erroneously for overdraft fees when I did not overdraw my acct. There has been a few occasions where they charge a fee that overdrawn the acct and then charges me overdraft fees. I called and tried to resolve it. They could not show where I overdrawn the account and would not remove the fee.

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 2020-01-17
Company: EQUIFAX, INC.
State: PA
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:
I sent a certified letter to Equifax, XXXX at XXXX XXXX XXXX, XXXX, GA XXXX on XXXX XXXX. 

It was accepted and signed by XXXX XXXX. 

I complain to Equifax that they were report dual late for same account. I had a XXXX Credit Card that was late on XX/XX/XXXX which was transfer to a XXXX Credit Card. I noticed on my Equifax report its showing both accounts with same late. 

Neither XXXX  or XXXX, XXXX are showing this obvious error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-08
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
My name is XXXX XXXX, lease account # XXXX About 3 years ago we decided to lease the XXXX XXXX. 
It was our XXXX time lease experience and we were very excited to get new top of the line vehicle with features by far exceeded top of the line vehicles on the market. During the lease period we NEVER had any issues with the vehicle and my mostly my wife used it for short commute with our small kids. 
After ~ 25 month lease I replaced XXXX tires and brakes, due to moderate wear in order to keep vehicle in the safe shape. 

According to XXXX recommendation vehicle was tested a week before lease return and inspector found XXXX scratches of XXXX '' each and missing 2nd key. Second key was at home and before returning vehicle to XXXX dealer ( XXXX, VA ) I found a detailing service and performed full car detailing. Once I return it to the dealer- dealer told me that car in very good to excellent condition. 

However, once I received your final bill- I was shocked .... 
1 ) You charge me for key that is not missing ( XXXX from lease return group validated it with dealer ) 2 ) Please open the scratch images ( you should have them ) and justify why it should cost me {$450.00} 3 ) Why you charge x10 than it 's in the bill for parking violation - see attached bill 4 ) Why you charge ~ {$150.00} more for property tax 5 ) Why you obligate me to purchase vehicle by charging {$400.00}, is it US consumer rules acceptable????

Company response to consumer: Closed
Consumer complaint received 2022-08-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Approximately XXXX XXXX opened Checking/Saving Accounts with USAA. However, suspected USAA were slowly stealing funds from account. This was more evident when around XX/XX/XXXX a substantially large amount of funds were taken in order to deplete my account of funds to intentionally cause default in Mortgage and Car loan. Approximate amount undetermined. However, {$43000.00} was deposited in XX/XX/XXXX and 8months later all funds were missing. Disputed with bank but was told that no transaction exist to support complaint. I asked bank to utilize all transactions for entire year ; but, was again denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I went to XXXX to have my pearl necklace strung with silk and a XXXX yellow gold clasp. When I got it home I could not get it on so I took it to another jeweler who said it was not XXXX yellow gold but gold filled. I was so hurt. You ca n't tell if it is what you asked for unless it is appraised. I did everything she asked for and I even gave her {$390.00} up front as half of what she asked for even before the work was done. That is not customary. Then I gave her the other half {$390.00} when I picked it up. I disputed it with the Credit card company J.P.Morgan Chase they took off one XXXX then they returned ( 2 ) payments of {$390.00} even thought they only took one off my account. That was so mean when I sent them everything in writing and the picture from the other jeweler. I closed the account. I now owe them $ XXXX.- {$780.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Albert Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I applied for and received a " cash advance '' from Albert ( using the XXXX App ) on XX/XX/XXXX for {$150.00}. Repayment is supposed to occur on my payday. In the past, it would occur on the day after which I get paid on the XXXX and the last day of each month. Albert is aware of this as they request direct access to my bank account for payday amount and timing verification. On XX/XX/XXXX, 4-5 days before my payday, Albert accessed my bank account to take repayment and of course, there wasn't enough money in my account at the time. I get paid on the XXXX ( unless my payday falls on a weekend, then I would get paid the Friday prior ). When Albert was not able to withdraw {$150.00} ( the advance plus a processing fee ), Albert submitted 11 transactions to withdraw from my bank account in amounts ranging from {$.00} to {$16.00}. Each of these transactions has now incurred overdraft fees from my bank leaving my account in the negative. I was not notified that the loan would be taken out in small increments that would do this much damage to my bank account and according to their own words on their website, I was supposed to be able to use Albert to " Cover bills We dont believe in overdraft fees. Instead, we help you make ends meet by advancing up to {$250.00} from your next paycheck. No interest. No credit check. '' By withdrawing money before my payday and then proceeding to withdraw it in 11 transactions when the first did not go through, they clearly do believe in overdrafting its customer 's accounts. Please help me not only clear up this mess, but also rectify the damage to my bank account relationship.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
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:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2017-01-05
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
To provide some background, we have owned or leased a Hyundai Tucson since XXXX. On XX/XX/XXXX we turned in a Hyundai we had leased since XXXX ( account # XXXX ) and decided not to re-lease or purchase a new car at that time. When we turned the car into Rogers Hyundai in XXXX, XXXX had looked the car over and stated he saw no major issues, and said we would be hearing from Hyundai. Over the next few months we heard nothing from Hyundai but in XXXX began to receive calls from XXXX Associates, a collection agency. They would not identify why they were calling until we provided them with information about us, something we will never do in this type of situation. We instructed them to send to us what information they had and on XX/XX/XXXX received a letter from XXXX Associates stating that he owed Hyundai {$1300.00} but with no breakdown of what this was attributed too. On XX/XX/XXXX I spoke with XXXX in Hyundai 's Recovery Department, explained the situation, and he said he would have a detailed bill sent to me. On XX/XX/XXXX we began to receive calls for XXXX again, in fact they also called my wife and my wife 's brother, demanding payment from them and being extremely rude. Since we still had not received anything from Hyundai this prompted me to again call Hyundai 's Recovery Department today where I spoke with XXXX who also said she would send a detailed bill as well. Based on our history with Hyundai over the past few months, I felt the need to bring this issue to your attention before it escalates further. Just so you know, we have an excellent credit history with no issues during the three year lease term we concluded in XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-04-08
Company: MARINER FINANCE, LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
In XXXX my identity was stolen when my vehicle was broken into and my wallet was stolen with my social security card, drivers license and bank cards. My identity was used to get a loan from a company call Mariner Finance /XXXX XXXX . I contact this company through writing, by phone calls and visit the location, I provide them with all information and documentations, they even compare my drivers license, signature, and social security card which did not match the ones that was use to get the loan. I went into the branch on XXXX/XXXX/XXXX to follow up with the investigation and they run my credit without my knowledge and still have n't done anything to resolve this situation. I did NOT apply for nor receive a loan from this company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2020 I began the process of refinancing my home loan from Wells Fargo. During this process my loan originator noted that there was a {$1000.00} discrepency between what Wells Fargo had reported to the credit agencies and the amount they gave when asked for a payoff demand. I called Wells Fargo to report this discrepency and an investigation was opened. It has been over 45 days and they have not responded to my request. I just spoke to a supervisor today and was informed that several people had looked at my account but they have not figured out why the discrepency exist. I asked why no one from Wells Fargo has contacted me regarding this matter and she said she did not know.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I submitted an ACH payment to Citizens One Consumer Loan Servicing/ Citizens Bank , ( mailing address - XXXX XXXX XXXX, XXXX , RI XXXX phone number XXXX XXXX XXXX ), with the wrong account number. The bank and I acknowledged this mistake and the bank sent me a letter which states that the bank has reversed my payment. 

As of this letter and today 's date the bank has not reversed my payment of {$400.00}, I double paid to avoid other problems with the account and the bank processed my payment. 

The bank has also not responded to my phone calls or complaint letters and is ignoring my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: Dynamic Recovery Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have fines owed to XXXX county and they were turned over to Dynamic collections and now my wages are being dramatically garnished with no care that I am a single father with XXXX children. I received no notice and only recieved a document of who was garnishing my wages 3-5 days later

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My fraudulent charges claim with Bank of America was denied. The following charges from XXXX ( {$16000.00} ) from XX/XX/22 thru XX/XX/22. The following charges from XXXX ( {$6900.00} ) from XX/XX/22 thru XX/XX/22. The following charges from XXXX XXXX ( {$2000.00} ) from XX/XX/22 thru XX/XX/22.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is currently reporting an unvalidated debt through a collection agency Portfolio Recovery Associates. I have reached out to XXXX XXXX   and they do not have a record of the debt. I have contacted Portfolio Recovery Associates asking for validation of th debt and they have been unresponsive for 90 days. I have no knowledge of this debt, nor can XXXX XXXX or Portfolio Recovery Associates validate its grounding for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: The J. G. Wentworth Company
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was due on XXXX XXXX with a grace period until XXXX XXXX. Given the frantic preparations trying to get my family to XXXX, I did not have time to pay my bills before I left, but I knew I had the grace period and so was okay. When I got to XXXX I attempted to pay the mortgage via the on line payment system as I do every month. I could not log in, and when I went to reset my password, the password never reset and I was never permitted to log in. It appeared that the password was reset but it never worked. I attempted to locate a number to call to pay by phone, but there was no number to pay by phone calling out of the country. The number that did exist could not be dialed internationally. There was also not a number for me to call from out of the country to speak with a customer service representative. At that point my option was to ( 1 ) mail my payment from XXXX ( 2 ) mail the payment from my bank using on-line bill pay or ( 3 ) do neither and resolve the matter when I returned to the States. I opted to do number XXXX because I knew that if I mailed my payments from bill pay or from XXXX, the payment would arrive AFTER my return to the States when the matter would have already been resolved. Immediately upon returning to the U.S., I called WestStar to inform them of the problem and make my payment. I ALWAYS pay my mortgage on time. WestStar said it was my fault the payment was late and would be charging me a late fee. I protested on the grounds that the problem is their system. If they provide a means for customers to make their payments, those means should work and if they do not work, I should not be penalized. It turns out that a glitch in their website payment system does not allow for the passwords to be reset as they should and the customer service rep had to walk me through a process to make the password reset work. WestStar persists in charging me this late fee, which I do n't feel I should have to pay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Convergent Resources, Inc.
State: NM
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:
Billed for internet services at a storage location where services have never been set up. Nor were they requested to be set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: U.S. BANCORP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
US Bank is currently reporting an unvalidated debt through a collection agency XXXX XXXX XXXX. I have reached out to US BANK and they do not have a record of the debt. I have contacted XXXX XXXX XXXX asking for validation of th debt and they have been unresponsive for 90 days. I have no knowledge of this debt, nor can US BANK or XXXX XXXX XXXX validate its grounding for payment.

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 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: WELLS FARGO & COMPANY
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My husband and sole business owner had a business account with Wells Fargo. This business was originally opened with XXXX  Secretary of State and transferred as a foreign entity to XXXX XXXX in XXXX due to our move to XXXX XXXX. The business owner/spouse passed away on XX/XX/XXXX. In XX/XX/XXXX I am his wife and executor of his estate started getting notices from XXXX  Comptroller of public accounts about Tax/Fee due. I have contacted the Comptroller office, told that my spouse and business owner died, was able myself to cancel/end sales and franchise tax and submit paperwork to XXXX  Secretary of State for his business closure. Certificate of termination of this Entity on XX/XX/XXXX has been forwarded to me and attached. This Certificate of termination and Certificate of Death along with SD Affidavit of Collection of Estate Asserts have been presented to the Wells Fargo Bank to close the business account. 
The Wells Fargo refused to close this business account that has a small balance left less that {$1000.00} and gave me a run around.

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 2016-05-24
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid what my insurance sent in explanation of benefits. the facility itself states I had no further debt. Yet this company has twice tried to get money out of me for XXXX XXXX I had. Now they have made their way to my credit report and are hurting my credit. I am working with my insurance company to dispute these false charges. Ridiculous that I have to waste my time proving I have paid all the medical bills I was given to some company when the hospital itself does not reflect any balance owed and claims to not have any association with this company.

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 2021-03-11
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The problem I am having is with escrow with NewRez LLC ( Shell Point Mortgage ). NewRez took over my mortgage on XX/XX/XXXX. There never was a escrow account. My wife and I paid the house insurance and property taxes. The house insurance was not renewed by insurance company in XXXX. There was a few months the house had no insurance due it being difficult to find a company to insure the house. NewRez charged me for the months without insurance until I obtained house insurance. I provided proof of insurance and received a refund check from NewRez for balance owed to me. The problem was NewRez never contacted me, created a escrow and raised the mortgage payment from {$1100.00} to {$1600.00}. We could not afford that amount. NewRez did not offer to spread out the amount of money that was owed for house insurance. I called many times to try to get this corrected but it was never corrected. We did pay extra money when we had the means to pay off what was owed for house insurance. NewRez is still saying we owe them. Now there is a problem with XXXX property taxes. The XXXX property taxes were paid by Shell Point Mortgage on XX/XX/XXXX without telling me. They charged me {$4900.00} when the amount paid on the tax receipt is {$3500.00}. The property taxes were not late and were due by XX/XX/XXXX. This time they raised my monthly payment to {$1700.00}. They have caused a lot of stress and problems for my wife and I. It's ridiculous they can not fix the issues. I have wasted a lot of time calling them. This is not right or fair. We don't want to lose the house. I hope someone can resolve this and prevent this from happening to others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation