BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a customer of Wells Fargo for 15 years. I received a email saying my account has been overdrawn of XXXX. So I contacted Wells Fargo because i know my account had funds inside. Wells Fargo said they was calling me asking did I want to proceed with the claim. The person hacked my account added a phone number to my account. Wells Fargo never spoke to me while this transaction happen. I found out thru my email. In right then I called. I went thru going to the office for they can check my phone to see do i have a tracking on my phone. They looked and seen i was in Alabama the whole time of the transaction took place. The check the recording in it wasn't me. He said the voice was deep. Indicating it was a man. I went to the police department to to a fraud on my account. I have done everything that wells Fargo has ask me to do. In still I haven't receive my funds of XXXX. I'm really trying to stay come. But I'm losing everything around me. Can you please help me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-11-09
Company: Colony Brands, Inc.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Seventh Avenues card {$280.00} Montgomery ward card XXXX These accounts were opened in XXXX when I was XXXX XXXX  in the military. I did not open these accounts and I did not make any charges I lived in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and I had no idea these accounts were in my name until XX/XX/XXXX. I would like for these accounts to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Truck loan through Santander ... Truck should have been paied of they came and took the tuck and sent us a letter stating that the truck auctioned off for XXXX $ and we were responsible for the rest I have asked for a copy of the sales receipt and they have refused to provide me with one ... ... so they really sols a XXXX Fully loaded jeep commander for XXXX XXXX ..I do n't think so

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I am currently working with a mortgage banker with Chase bank and waiting for a closing date. i locked in on a fixed rate back in XXXX that is about to expire after 60days which will be next week. i have provided the mortgage banker all the documents requested in a timely manner. for the past month of XXXX, the banker has told me that they are in the process of verifying my employment. as of Tuesday XXXX/XXXX/15 afternoon, my job 's HR informed me that they have contacted the bank has verified my employment. as of now, i have not heard from my mortgage banker and when asked about any updates, he has not been able to provided me information on the status of my home loan. at this point, i feel that my mortgage banker is giving me the run around and wants the fixed rate to expire next week so that i am forced to pay a penalty and forced to take on a different and higher mortgage rate. what should i do at this time? can you please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Delinquent account

Complaint:
XX/XX/2015 my daughter contacted XXXX to inquire about pricing about a flight to florida. Unknowingly when my daughter gave my credit card number XXXX considers that booking a flight. I disbuted the charge with Citi Bank they denied me stating I book the flight via internet and I read and understood the rules. Which was false. I called and stated This was a phone call and my daughter was on the phone and she is not an authorized user on my account and I should not be charged for an inquiry only. I contacted XXXX explained the situation they apologized for there agents mistake and explained it is company policy that they DO NOT give cash refunds they give flight credit vouchers. Which they did for the full amount of $ XXXX.on XX/XX/2015. I called Citibank and showed them the documentations and they still would not refund me. I then stated I would like to take this to court and let a XXXX make the final decision which they agreed to do. I also stated I am going make an advance payment of {$2900.00} which would leave only the {$120.00} balance in question. They agreed. Time went by I had forgotten about this until I applied for a car loan. To find out the Citi bank had destroyed my credit because i had not made any payments for 6 mo on the credit card. This is after making an agreement with me to let a court make the final decsssion and excepting a payment of {$2900.00} in advance so there would be no problem with a late payment. 
This is outright wrong to do to me after making an agreement with me also i could have made monthly payments at no cost to me because i had interest free for 18 mo. 
XXXX XXXX XXXX is aware of this matter.

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 2015-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have dispute this account as not mine to Transunion, but they have not removed the account. This account from XXXX XXXX XXXX is not mine nor do I have any knowledge of the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient has created obstacles during my repayment by providing me bad information. They processed a large final payment, told me the payment went through, and congratulated me on paying off my loan. Later, they charged me interest and a late fee after they made a " payment reversal '', claiming the bank account number given to them was incorrect. Also, Navient does not show my XXXX Loan Forgiveness of {$5000.00} is removed from my loan, nor can I find it anywhere in my account history. I called and expressed my concern and on the third time, they removed my account history for a few hours before re-posting it. Navient has also sent me emails of incorrect amounts due on my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
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:
I leased an automobile through XXXX in the year XXXX. The lease agreement term listed was 3 years ending in XX/XX/XXXX. I had reached out to XXXX to discuss the Account status on my credit report as lease terminated balance owing, However the account had been re-aged to show activity as recent as XXXX XXXX is a violation of the Fair Credit Reporting act. I was then transferred to a debt collection agency by the name of XXXX XXXX XXXX without being given any information from XXXX. Upon the transfer I was told by XXXX XXXX XXXX that I am not listed as a person to speak to which is odd considering i am the co-lease on the joint account. I was told this by the debt collection agency which is a violation of the Fair debt collection Practice ACT. I was not properly informed due to the fact that I am not even listed as a person to validate the debt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received a phone call at my place of employment from macys credit card company that i need to make a payment and i was very upset with XXXX thing, first i do not have a macy 's credit card second they had called to my place of employment. i told the lady they have the wrong person and told her that do not call me back ever again. But she got a little rude which made me to hang the phone on her. This happened on XXXX 2015 and since then I had filed a police report I had send letters to macys stating this account is not mine also disputed the account with credit bureaus. Macys has not done anything to satisfy my request as a consumer whos identity was stolen they keep sending me the same letter saying that they have received my recent correspondent regarding a macys account and my letter has been forwarded to their fraud investigation and some one from fraud department of macys will contact me regarding my concerns. as of this date I have not received any phone calls regards to this urgent matter. only thing I have got from macys is bunch of promises with the same generic letter but with a different date on it. please help me to resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
A class action suit was filed against our lender XXXX JP Morgan Chase XXXX regarding unreasonable in-house insurance premiums being charged on some housing loans and me and my deceased spouse were among those who have paid these in house insurance premiums. A settlement was finally reached but my monetary claim is being held by plaintiff lawyer/s for failure to submit sufficient documentation of my authority to file and sign a claim on behalf of my deceased wife/co-claimant. I am being required to submit " Certified Copy of Letters of Administration or Testamentary as evidence of my authority toto file and sign the claim on behalf of my XXXX wife ''. 
I believe their above requirement is unreasonable and too burdensome for a struggling widower who is simply living on paycheck to paycheck just to be able to maintain a decent living with a house of my own. I can not afford to hire or consult a lawyer to adviseme on how to obtain this so called " Certified Copy of Letters of Administration, etc etc ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: I.C. System, Inc.
State: VA
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:
Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX XXXX along with ( I.C SYSTEM, INC ) I DO NOT HAVE A CONTRACT WITH NEITHER i they are violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know 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 explanation
Consumer complaint received 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TransUnion and XXXX  have not updated the payment history for my mortgage account with XXXX XXXX to 100 % payment history. This was being reported in error. XXXX  has made the update and TransUnion and XXXX  have refused to update the information to be correct. This is in direct violation of the law.

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 2016-12-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
A couple of days ago I got a notice from Chase Bank that the terms of my agreement had changed and that I now needed to make monthly interest payments on my balance. I transferred about half of my balance on a XXXX credit card in XXXX with the understanding that there would be no interest payments due for 15 months. This is how the SLATE credit card is advertised even today as my attachment shows.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the past several years I have received notices from this company regarding a debt that is no longer valid. The statute of limitations has run out on this debt. The last time I used this card was over 6-7 years ago, and the tast payment made was over 5 years ago. Last night a woman, collection rep. called me at XXXX. I told her that the statute of limitations had run out on this debt,. She said I was still obligated to pay. That is false. I also told her to cease and desist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account # XXXX, Amount {$210.00} has violated my rights. 

15 U.S. Code 1681 states : Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!

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 2015-05-14
Company: Santander Consumer USA Holdings Inc.
State: MN
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Company ordered a local minnesota repossession agent to repo my car on a debt that was n't valid. The debt evidence/word that original creditor Chrysler Capital provided was n't a valid claim. The car was taken from my family 's drive way between the hours of XXXX on XXXX XXXX, 2015. Called the local police to report it stolen was then informed it was repossessed. Local cop called the company listed on his report and they gave him the number for where the order came from and told him I would have to call the XXXX company XXXX XXXX XXXX for more information. I called the company and asked for documentation and was told they did n't need to provide me any documents and to call the original creditor who wrote the debt off and closed all accounts I had with them. My car was taken without my consent and as of XX/XX/2015 is still at the XXXX XXXX XXXX lot in MN. With no listed Lien Holder, no debt owed, I 'm the owner of the car. No Contract and / or debt with XXXX XXXX XXXX or XXXX XXXXXXXX company XXXX XXXX XXXX XXXX XXXX refuses to release the car until they get permission from original creditor. Notices were faxed to Original Creditor, XXXX XXXX XXXX XXXX, and the third party company ; XXXX XXXX XX/XX/2015 and XX/XX/2015. Notarized copy by certified mail shortly after. No responses as of today XX/XX/2015. The car has still not been returned to me. 

Original complaint numbers XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: CarMax, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
VIOLATION OF 15 U.S.C. 1681c-1 ] 605A Identity theft prevention ; fraud alerts for victims of Identity Fraud, Unauthorized Release of Information by XXXX/ Officers/ Employees to CARMAX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: NEW YORK COMMUNITY BANK
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have a money market account with an online bank called AmTrust Direct ( part of New York Community Bank ), and I would like to close it. I wrote the bank XX/XX/XXXX asking them to close the account and send me the balance. I have heard nothing. I called them on XX/XX/2015 and spoke to someone named XXXX who said he could see that the bank had received my letter on XX/XX/2015, but the account had not been closed. He said he entered a request into their system to the online banking department to determine the status of my account closure request. He took my mobile phone number and said the online banking department would call me. I have heard nothing further from the bank and have not received a check for the balance of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Ocwen Financial Corporation
State: FM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This mortgage company is the Absolute WORST company that I have ever dealth with!!! I have been going back & forth with them for 3 months regarding my Hazard Insurance on my account. I have had Hazard Ins on my account from Day one XXXX. I have supplied this information to OCWEN every year and it was NEVER an issue. OCWEN changed the requirement and I was NEVER informed. They stated that they sent a letter to me XX/XX/XXXX.I HAVE NEVER RECEIVED that until One week ago when it was emailed to me from the Executive team that I placed a complaint to. Please note that I spoke to a OCWEN representative XX/XX/XXXX and they advised that the letter was sent to another address ( NOT my address ) & they then changed my address in the account. I was Advised XX/XX/XXXX that I am now required to have Hazard Ins on " my indwelling '' of my property. I purchased the additional Ins XX/XX/XXXX when I was advised of the change and provided the Ins proof to OCWEN.This complaint is simply that OCWEN placed Hazard Ins for my Indwelling on my account and Escrowed it into my Mortgage XX/XX/XXXX and I was NOT advised or informed of this. I purchased the Ins when I was advised and WILL NOT pay for something XX/XX/XXXX When they did NOT inform me of it. XXXX managers from OCWEN advised that they were going to look into this matter and get the Placed Insurance credited and I have not had ANY resolution to this issue. I have Names & Dates of the XXXX times that I spoken to this customer to get this issue resolved and it is still Not resolved. PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Capital Accounts, LLC
State: GA
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:
Contacted me XXXX XXXX attempting to collect a garbage bill that was 3 years old that I had no idea I owed. Their amount was the wrong amount and I disputed it. They sent an updated invoice in XXXX and called in XXXX. I paid the amount on their bill at which point they notified me that they placed this on my credit report. The operator was beyond rude and would not let me verify that the information he was reading to me was incorrect. I will be suing this company for defamation as I paid for a debt that was not valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: Paypal Holdings, Inc
State: MA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I MAKE PAYMENT USE MY PAYPAL ACCOUNT, FOR INVESTIGATION SERVICE, I DONT RECEIVE THE SERVICE I PAY FOR .I CONTACT PAYPAL TO COMPLAINT ABOUT IT, PAYPAL REFUSE TO TAKE MY COMPLAINT .I CALL MAY BANK // ALLY BANK, THE OPEN A CLAIM, THEN THE SAY EVERTHING NEED TO GO TRUE PAYPAL .I COMNTACT PAYPAL ABOUT IT .PAYPAL SAY THE REFUND MY ACCOUNT .NOW I DONT NO WHERE IS MY XXXX DOLLARS GO

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: CL Holdings LLC
State: GA
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:
On XX/XX/XXXX i noticed that there are several erroneous pieces of information currently reporting to my personal credit report. The accounts are as follows : account name : XXXX XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date opened : XX/XX/XXXX account name : dept of education amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date XXXX account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX date opened : XX/XX/XXXX account name : XXXX XXXX XXXX XXXX XXXX XXXX date opened : XX/XX/XXXX account name : XXXX XXXX amount : XXXX date XXXX account name : XXXX  amount : XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation