BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a checking account with XXXX and received a declined notice. CheckSystems sent a response to my inquiry of their investigation of my records however, all I see noted is " no information found '' and numbers and references to their review but nothing is clear as to a cause for a decline of a checking account. I sent a dispute on XXXX but if the original report fron CheckSystems was clearly understandable as to what and why my request with XXXX was declined there would be no need for another request. A clear notation in CheckSystems report would eliminate the need for another letter as that should be a standard practice for any reporting agency. My time is valuable as well and if the report was clear as to the reason for decline I would n't have to resubmit another request for clarification. There should be clear reporting standards instead of having to spend more time understanding what the report from CheckSystems or any credit reporting agency is clear, concise and understandable for any one at any educational level.

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 2022-11-15
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2016-08-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I currently pay XXXX monthly on XXXX separate accounts to Asset Acceptance. The XXXX accounts originally belonged to XXXX XXXX and were turned over for non-payment many years ago. I have been receiving statements monthly for many years stating that I owe many many thousands of dollars above the original amount and when I called they stated that I am on a " non-interest '' bearing account of {$20.00} payment on each account monthly probably for the rest of my life I guess I have diligently send XXXX monthly for years at supposedly no interest, according to our agreement. Why does my balance increase each month on my monthly statement for an original balance on XXXX accounts of $ XXXX to like $ XXXX now????? 
I would say enough is enough and an old debt is an old debt ... Why are they doing this to me? I have n't received correspondence except for my monthly bills, which state my incorrect balance, and the fact that XXXX checks for {$20.00} are being written by them from my checking account ... they refused to do business with a debit card and everything always seems to be " their way '' ... .Also they will not accept e-mails and it 's now 2016???? 

Please help me settle this unfair debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
I purchased a XXXX XXXX  from a Used XXXX dealership. Had the car for 4 plus years it had several recalls doing me and XXXX time with vehicle. When I was fed up with repairs We tried to trade it in. We couldn't because the car XXXX stated that from title that the car was totaled, the frame. I called Capital One and explained, that I was returning the vehicle back. After returning the vehicle Capital One then Sold at XXXX. Then said I own still XXXX on the Vehicle. Which was way over XXXX XXXX  when purched plus XXXX intrust for over 4 years. Hired XXXX XXXX to dispute it and payed them a whole year and nothing happened. And it's still there hurting my score. Call XXXX XXXX they wanted more money. Called Capital One they said make a deal for less or take us to XXXX. Please help XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX XXXX, Case No XXXX I was left a voicemail by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that lasted XXXX seconds. She mentioned there was a resolution offer. 

I have attempted to contact XXXX XXXX, the XXXX Specialist numerous times. Each time that I have called the number provided ( XXXX ) via XXXX XXXX XXXX, both on the mailed documented response and voicemail, after I enter the XXXX extension ( XXXX ), the response is 'if you do not know the XXXX extension, please refer back to the original correspondence. ' There are no further options to speak to anyone or the person 's name or number I was provided. 

If I can not speak to anyone, how will I be able to inquire? Why was this person 's name, number and extension even provided?

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 2022-11-15
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX present I have a payee also on the account The bank ( Wells Fargo ) will NOT give me access of ANY kind to my account Have contacted the institution w NO success Payee is not cooperative either I have absolutely no idea the status of my funds Thank you

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 2017-03-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been trying for several years to access my HSBC account. First, I tried to withdraw my money from an ATM, only to learn that my ATM card did not work. I went inside and was told I could only be assisted over the phone because I had opened my account online. Once I called, I was told that my account was locked because I had not accessed it. I asked for it to be unlocked and was told that I would have to submit a letter with photo ID. I sent this in but never heard back and, to be honest, forgot about the account. Then, in XXXX of this year, I received a form that my account was in dormancy status and would be turned over to abandoned property if I did not complete the form, have it notarized and return it. I did this step and mailed it on XXXX XXXX. Today, after receiving an email from the bank that my statement was available, I tried to login, but can not do so. I called and spoke to XXXX ( employee ID XXXX ) who verified all of my information and then told me that my account was still in dormancy status and that there was no record of the form I had returned. He further said that there was nothing that he could do other than send me another copy of the form I had already completed and returned. I know that my balance in this account is {$310.00} and all that I am trying to do is retrieve my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-09-20
Company: BOK FINANCIAL CORP
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
Mortgage lender, XXXX XXXX, of Bank of Albuqurque, recently sent me an email stating he wants me for his new home improvement line of credit program, after he recently refinanced our home through the XXXX His assistant urged me to apply, and reluctantly I did, stating to her I would be turned down. She said no, I would not. I went ahead, and she called back and said I was turned down. So that burned me pretty good. And it was apparently mean-spirited. Or just incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: BOK FINANCIAL CORP
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX did not pay our home insurance, although the account is in escrow. We have been uninsured for 2 weeks, and ( if our insurance agent will let us be reinstated ) will not be insured again until after the weekend. 

This is the second problem we have had with our account in the 1st month since they bought the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: Servis One, Inc., Titusville, PA Branch
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I continue to have loan servicing problems with my mortgage company, BSI Financial Services. While my mortgages were originally refinanced with XXXX Mortgage, they were sold to BSI Financial in 2013. For almost XXXX years, I have spent countless hours on the phone with BSI Financial regarding loan payments not being processed/deposited when received, payments not being properly credited to my accounts, calls regarding late payments and late fees being applied, and insurance bills being unpaid. The latter was my most recent situation with BSI. Specifically, I received a letter from my property insurance company indicating that correspondence was returned by the post office. When I contacted BSI regarding this matter, they indicated that the insurance address had change, although neither I nor my insurance company were informed about this change. They asked that I have the insurance company contact them for the correct mailing information ; however, I demanded the information and called my insurance company to update their records. I also email a copy of the bill to their Customer Care office to expedite payment ( and included a copy of my real estate tax bill as well given a lack of confidence that they have paid this bill on-time ). While BSI Financial Services is quite adept at collecting debts from others, they are woefully inattentive to the debts associated with the mortgages for which they are responsible.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sent Mr. Copper a copy of my divorce decree requesting that my name be removed from the mortgage of the home he was awarded as part of our divorce settlement. It has been almost two years and they refuse to remove my name from the mortgage. This could impact my credit negatively is he decides to stop paying the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Multiple letter sent to companies involved from 2018 until present day. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX and XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Right Path Servicing had originally claimed I did not have property insurance on my home, I had repeatedly sent them proof of insurance. After receiving my proof of insurance and my filing of a complaint, Right Path servicing claimed I did not have XXXX XXXX insurance. XXXX XXXX is not a type of insurance as recognized by ANY insurer. I had filed another complaint and Right Path Servicing was to respond and clarify what, exactly, they meant by walls in. They did not. 
Apparently, Right Path Servicing has placed an HO-6 insurance policy on my property without affording me an opportunity to do so at a much cheaper rate. Right Path Servicing used deceptive slang in order to cloud the issue and afford them an opportunity to go with a non-proposed insurance policy at my expense. Right Path Servicing is now attempting to force payment by attaching this outrageous insurance fee to my monthly mortgage payment. 
If Right Path Servicing was requesting the placement of a HO-6 policy by me, they should have made this an obvious request and not proceeded deceptively. I am fully able to obtain a HO-6 insurance policy without such an outrageous fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I received a letter from Citi BANK on XXXX/XXXX/14 its stated that they would not refund my money on the circumstances that services were rendered but the initial complaint was not that they did not provide service but the service was provided did not do as they promised, please ask the bank to provide me with documentation of every attempt at resolving this issue with the merchant on my behalf. I am very upset and irate & I need this to be taken cared of ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
When I logged into my Navient account today, it indicated that my account had a late payment balance of {$110.00}. I did not recall making any payments late, so I started investigating. As I looked at the previous 12 months worth of statements and compared it to my payment history, I always paid the amount due. I called Navient, and after some research the representative said that the XXXX amount due should have been {$110.00} more that it was. I explained that when I log in to the website, the amount due is prominently displayed and I must allocate the payments for each loan. I paid the required amount in XXXX, XXXX, XXXX, and XXXX. My XXXX statement does not show any late payments. They said that the audit revealed I owed an extra {$110.00}. They were kind enough to not charge me interest or a late fee for the payment I did n't know I was supposed to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: MoneyLion Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022 I deposited two deposits into my account amounting in XXXX from a XXXX account, Upon contacting Moneylion about my debit card realizing my password was changed. 
And upon entering my account I realized an un identified number was attached I immediately contacted Moneylion on the XXXX of XXXX with my complaint and issue they informed me that my account was frozen due to unusual activity. 
I went and checked my statement and seen over 30 transactions going in and coming out of my checking account, when filing a dispute with moneylion on the XXXX of XXXX. I also seen other transactions in my account and when I went to check it I received a email from someone claiming they got my information from moneylion and they were contacting me so that the money they deposited into my account if I could it back to them, with concern I immediately contacted moneylion with this and also sent them the emails and they reassured me that the individual did not have access to my account so I asked them who moved money out of my account and was moving money on a XXXX  app in and out of my account they did not respond at that time I felt it was an inside job and I was right? They had the retention team investigate and they approved all my documents and moneylion was to release my balance to me and they have not done so. And the individual whom admitted in texted that I did not release to moneylion admits to doing transactions in my account and sending me XXXX and harassing emails of knowing my conversations that took place during phone conversations with moneylion and I also have the number the individual gave to me so that we could talk about how I would get there money out and they would allow me to keep half of what they deposited into my account. Also the individual also took out a loan amounting in I believe XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: FIRST HOME MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
PMI was removed from my account on XX/XX/2022. An escrow analysis was run on XX/XX/2022. This analysis took into account pmi. I no longer have pmi yet they are escrowing as if there is still pmi as well as collecting a shortage. I asked them to run a new escrow analysis and they have refused. They will collect more than {$3600.00} in escrow over the next 12 months. My taxes and insurance are less than {$1800.00}. Collecting this amount is almost twice what is needed to cover my taxes and insurance. I called on both XX/XX/XXXX and XXXX and got the same response. In Maryland and escrow account is not mandatory. On XX/XX/XXXX I advised them I no longer wish to have an escrow account, I can pay my taxes and insurance my self. I was told they would have to see if they could do that and they would get back to me by letter and it should take about 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Does not adhere to 15 cease and desist notifications. All I want is all communication to be in writting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-31
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I got pre approved online for a vehicle on XX/XX/XXXX. I scheduled an apt to go into the dealer on XX/XX/XXXX. I had all my paperwork, and was ready to buy a car. The offer from XXXX directly from XXXX Nissans website said offer valid for 10 days. I scheduled an appointment for the weekend ( 5 days later ) since thats when I wasnt at work. XXXX the sales rep took a look at my phone and said no no no those prices are very wrong ( the prices directly from XXXX Nissans website. ) He continued to try to upsell me and tell me the confirmed offer I had was inaccurate. When I continued to try to show him my confirmation he kept saying things like did you read the fine print and why didnt you come 5 days ago? This was my first time buying a car on my own and I came prepared with my approved finance APR, monthly rate, and all my paperwork to buy same day because I did not want to have to haggle. However he wouldnt honor the rate from my confirmed offer/credit approval and continued to tell me it was not accurate. He said the car had been sold and that they cant hold cars, which is understandable. I was not asking for the specific car with the VIN the dealer had two days prior already given to XXXX and listed on my new insurance card, but to honor the rate I was quoted on whatever car with the same model/trim etc. was available ( which there were plenty of ) .I provided this company my social security number to run a credit check, and had a firm offer for financing. They ran my credit and did not honor it within the 10 day period I was given.

Company response to consumer: Closed with explanation