BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I opened an account online with Fifth Third bank with an offer code for a bonus of {$250.00} for maintaining a checking account with a minimum of {$250.00} for 60 days. 
On XX/XX/XXXX after confirming on phone that my promotion was valid ( it did not show up listed on my account at the time ) I made a transfer of {$250.00} into my Fifth Third Bank ( no fees were accured for making that online transfer ) On XX/XX/XXXX they credited me my {$250.00} minus {$60.00} for tax withheld. 
There is where the nightmare started, as for the next months I was told various reasons why until contacting XXXX XXXX. I was finally told it was because I hadn't sent in a tax paper. They had ALL information, address, social security number etc.prior to this date. 
I was then told just send it in and they can give me my {$60.00} even though I was never contacted that they were missing anything for the 3 months I had the account. Plus I had called to make sure everything was signed correctly on XX/XX/XXXX at XXXX XXXX and was told it was. 
It is now XX/XX/XXXX and after sending on the paper I have still not received my {$60.00}. 
I then had enough and went to close my account, I wrote online and called to find out what I needed to do. I was told to have a {$0.00} balance and to wait until it had cleared. On XX/XX/XXXX I put in a transfer of my balance ( {$440.00} ) to XXXX. XXXX. There was NO mention of a {$3.00} fee online and I will enclose a picture of my transfer details sent to my email. 
On XX/XX/XXXX I see my - {$3.00} for my balance! I call the XXXX number and speak to a rep. who says she is sorry i was mischarged and she is putting a reversal charge of {$3.00}. She tells me to wait 2 to 3 business days and then I will have a {$0.00} balance snd can close my account. 
On XX/XX/XXXX nothing had changed in my account. I call the same number and they tell me they have NO exchange of the telephone call on the XXXX and even if I had called that person lied and they cant reverse the fee! I then decide to write in what had happened. I also called XXXX XXXX. I got no response from her so I am writing in. 
I would also like to add that there is missing account info as my orginal payment and opening of account as I will send in those pics too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I notified my mortgage lender that the State of XXXX was going to pay taxes because I am XXXX back in XX/XX/XXXX in writing per RESPA rules regarding correspondence and the lender did not answer with in XXXX days. I asked the lender to answer and to remove the taxes from my payment this request was made threw correspondence and over XXXX phone calls, including XXXX of XXXX approval letter XXXX that were sent to the mortgage company telling them the mortgage taxes would be paid for XX/XX/XXXX and XX/XX/XXXX. I asked that the impound account be removed and it was denied with no letter they told me when I called in because my loan is fha. I asked for the XXXX in escrow since the taxes are paid for XX/XX/XXXX and XX/XX/XXXX by the state and they gave me a hard time and several times told me they do n't care about only XXXX months cushion or RESPA that they have there own rules. It now XX/XX/XXXX and they told me they mailed me a check XX/XX/XXXX 16 days ago. 
I did not receive a check and they told me there keeping XXXX for cushion. I have never been late and own XXXX percent of my house. They are holding more than XXXX cushions in violation of RESPA and I never received a check. They told me there billing me monthly for XXXX which includes taxes for XXXX x XXXX = XXXX which is more than XXXX cushions as the taxes have been paid for XX/XX/XXXX and XX/XX/XXXX. They told me they did n't care because they rules trump RESPA. Although I have told them I elect to have the state XXXX program for homeowners pay the taxes for 2 years so there is no need to include the taxes they want to hold the extra cash to the tune of XXXX and they have n't paid me interest. XX/XX/XXXX taxes are paid and I sent the proof so if the taxes are paid why would the lender collect the money on paid taxes? That they have proof of. Its predatory lending on the XXXX. 
Where my interest on the escrow balance? The state gets the tax bill not them. 
I wrote and told them everything per RESPA no letter addressed any of it from XXXX aka loan depot. Please help me I am XXXX. I have become sicker and the phone for hours for 4 months XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
This complaint is due to multiple inquiries made on my credit report from Loan Depot thru XXXX . The complaint is against XXXX, as the credit servicer for Loan Depot and also the prospective lender Loan Depot. In XXXX 2016 I responded to a Refinance solicitation I received from Loan Depot and had granted only one approval to run one inquiry on my credit. Loan Depot made six Inquiries within a span of a few days because they were trying to gather additional information on income and value of my present home to determine loan eligibility. Un-be known to me at the time, Loan Depot took upon themselves to re-run inquiries every time I spoke to an individual at Loan Depot as a follow up on the same matter. My credit report now shows numerous inquires within a span of one week or so some multiple on the same day from this same prospective lender " Loan Depot ''. I have brought the matter to the attention of both XXXX XXXX and Loan Depot and both have failed to respond in a reasonable time frame.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am filing this complaint because I was unable to resolve this issue with the bank ( Wells Fargo ). I tried to reach the customer service and the person who identified himself as XXXX XXXX started to talk very fast. I told him that I am an elderly woman with many health problems and I asked him politely if he could speak slowly. He simply hang up on me. I tried to reach Wells Fargo customer service again on that day but the automatic service did not let me do so. It was a terrible experience. The reason for my call was that I needed help to reverse my monthly fees for XXXX - XX/XX/2020. I am an elderly person and at the highest risk for contacting COVID-19 and I cant make 10 debit transactions to waive those fees. Please check CDC guidelines for more information regarding elderly and COVID-19. I am sorry that Wells Fargo customer service is so difficult.

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 2015-09-11
Company: Ridge & Valley Realty, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Systems Inc will not remove a debt this is not mine. This item was paid in 2012 and not accurately being reported on the credit repositories and should not be reporting violating the Fair credit debt reporting act for Colorado. They provided a letter in which is a system generated letter advising they would do this but refused to sign as requested as this would validate and make the letter creditable so I can purchase a home. XXXX XXXX Manager, and XXXX XXXX representative for this company refused to sign.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion displays innacurrate employer ( XXXX XXXX ) on credit report

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 2022-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2022, {$680.00}, Account number XXXX - I received a letter from XXXX XXXX today XX/XX/2022. I have notified XXXX XXXX XXXX, XXXX several times that the account they purchased from Capital One Bank ( USA ) N.A. is not my account. I have attached the letter that they sent me today along with the letter I received from Capital One Bank. The letter from Capital One Bank clearly states that " Capital One Bank conducted an investigation, and the account was permanently closed. You're not responsible for any balance that may be due on an account that we decided was opened through fraud. '' Consumer law - 15 U.S code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
XXXX XXXX XXXX, XXXX IS BREAKING THE LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Paramount GR Holdings, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have made large payments of XXXX on XXXX and XXXX on XXXX plus all my payments of XXXX a month since XX/XX/XXXX on original loan balance of XXXX but on the loanpal web site and credit reports the balance is still XXXX and they show last apyment was XX/XX/XXXX? i have call several times and filed 2 disputes with XXXX  but nothing yet? i have all the payment confirmation numbers too if you need them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card
Issue: Other

Complaint:
XXXX XXXX ssn : ***********, showing Chase on XXXX acct. XXXX Not my account. Please take off as I am trying to close on a house and This is holding up the closing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

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 2020-10-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Hello, I am writing on behalf of Wells Fargo noncompliance with SBA forgivable loan programs which were submitted prior to the deadline. After months of Wells Fargo closing accounts without consent and not following up on client services related to business and personal al accounts- this is a significant issue with the banks integrity and customer service affecting consumers. After many attempts at correcting this issue with the banks in person and through phone correspondence, they have been noncompliant and deflect responsibility to loyal consumers. I mention this as Wells Fargo has been under scrutiny for their business practices for over 5 years and it seems that this is a larger systemic issue with their business ethics which go against the interests of their consumers and government mandate. 

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 2015-04-17
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid in full to the IL Dept. of Human Services ( IL DHS ). Supporting documents attached. Harvard Collections has stated that it is not their responsibility to remove this item from my credit files at the XXXX major credit bureaus. They in fact have the sole responsibility of reporting to the credit bureaus per IL DHS. 

I have spoken with several representatives at Harvard Collections in person and via phone on numerous occasion. Harvard Collections has acknowledge that the debt has been paid in full. Harvard collections has a copy of the letter from DHS to confirm payment. Harvard Collections has stated to me that since the debt was not paid through them they are under no obligation or time frame to delete this information from my credit files. I have also sent several letters to Harvard Collection Managers. 

Harvard Collection has refused all my attempts to resolve this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 XXXX XXXX XXXX Account XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have a 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. 

This account was recently disputed and previously deleted under the terms of investigation by Transuion but now being reported again. Under law I'm demanding this account to be removed from my credit report. Under the Fair Credit Reporting Act, it is unlawful for a collection agency to report a debt that they know 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 2022-09-16
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My chime card was charged {$240.00} on XX/XX/2022 to XXXX XXXXXXXX XXXX that was not authorized by me. I filed a dispute and chime closed my dispute out and told me I couldnt get my money back. After further research Ive read that they have done several people that do business with them like this. I was told by an agent that I would need to XXXX the business that the transaction was made with and try to contact the merchant myself. As I explained to said agent I cant show proof for a purchase I did not make. Not only that said agent stated that they dont have to refund my money and that I would just have to be out of {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Ability Recovery Services, LLC
State: MD
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:
The purpose of this letter is to inform you that I disputing my debt with Ability Recovery Services XXXX LLC of {$2000.00}. The debt that I owe originated from XXXX University XXXX " the School '' ). The reason why I am disputing this debt is because my outstanding debt to the school is {$1600.00}. However, upon receiving a collection notice from the Ability Recovery Services XXXX LLC ( " the Company '' XXXX, the outstanding debt increased by {$400.00}. 

On XXXX XXXX, 2015, I spoke to XXXX XXXX XXXX a representative of the Company to request the actual amount I owe to the School. During my conversation with XXXX XXXX, I informed her that the collection amount sent to me was incorrect and that I was told by the School to ask them how much they were charging me over and above my outstanding debt. XXXX XXXX 's response was that her company was not going to disclose that information as I did not have a need to know about my outstanding debt and that the Company had a right to profit off of me. After writing the attached letter to the Company on XXXX XXXX, I received an Account History Report from the Company on XXXX XXXX, which I have included. 

There are few issues that I would like investigated. The reason for the investigation is that I believe the Company is conducting an unethical business. 

The XXXX item I would like you to investigate is the excess charge of {$400.00} over and above my outstanding debt with the School. The XXXX issue deals with the threats and harassment by XXXX XXXX. XXXX XXXX became threating and started harassing me during the conversation in which she told me it did not matter that I was working with the School as they were going to report my outstanding debt to the credit bureau regardless of the efforts I was taking to address my debt. At that point, I asked to speak to a manager and was not allowed to do so. In fact, XXXX XXXX told me that was not going to talk to me and that they had no reason to do so. She proceeded to hang up the phone on me. 

In closing, I am still striving to work with the School to see if we can settle my outstanding debt and set up payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Santander Consumer USA Holdings Inc.
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I financed a XXXX XXXX XXXX in XXXX of XXXX and last week while driving the car just completely shut off while driving on the highway in the middle of the night with no warnings. I get the car towed to a dealership the following day only to be informed that the motor had went out and that this was a known issue for this make a model vehicle. I contacted XXXX and Santander only to be told there's nothing any of them can do for me and that I'd have to pay over XXXX XXXX  to get the motor replace. There's no way in XXXX that consumers should be punished for defective vehicles with well known issues or for any issues for that matter for defects that are beyond our control. I refuse to pay for something I didn't do and I'm exploring all of my options allowed under the law to put a stop to this. I will not be punished and forced to come up with money I don't have to fix something I didn't cause. This is ridiculous. I will be going to the FTC and Attorney Genral and whoever else I need to go to to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection agency has tried to collect a debt from me in unfair ways, which I've complained about previously. This medical debt was a result of a mistake by the provider and has been written-off by the provider. The provider as well as this collection agency have notified me in writing that my account is closed and I do not owe them any debt. 
I have just received a new email from this collection agency asking me for the full amount, again! This is a never ending nightmare. This is absolute harassment. Once again, the FDCPA states that debt collectors can't use false, deceptive, or misleading practices. This includes misrepresentations about the debt, including the amount owed.

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