BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-29
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Other

Complaint:
I had a Discover credit card that was charged off XXXX/XXXX/XXXX. I received a letter dated XXXX/XXXX/XXXX from the IRS saying I owe taxes on this credit card that was supposedly a XXXX Cancellation of Debt '' from XX/XX/XXXX. I now am having to fight the IRS on a problem that is way beyond what I have read to be the statutue of limitations on a debt. I did not ever receive a XXXX from Discover Card, so I would have no way of knowing to put that on my taxes even if it was not too old.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Wells Fargo Bank is pursuing a foreclosure on a property that has attached Ohio dower rights to it, that have not yet been applied. Moreover, signed affidavits prove several layers of " robo signing '' with non existent notary public 's and fraudulent conveyance history existing over the life of the mortgage loan. The husband in this matter filed a chapter XXXX bankruptcy and abandoned any connection to the property, while the wife is left to pursue her rights, as she is a victim of an earlier crime caused by the husband, which led this case into foreclosure to begin with. The Attorney General 's Office indicated the need to contact the Office of the Comptroller of Currency who said they have alerted your offices to this matter. This complaint is being made to validate their concern on this particular case and to bring overall resolve to this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I'm resubmitting this CFPB complaint to express my fury and profound disappointment over the bogus things that were reported on my credit report. The fact that there are multiple items that I did not open or know about and that it is obvious my identity has been stolen is unacceptable. The aforementioned items include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX are a blatant violation of my rights and have severely impacted my financial standing. I insist that you launch an investigation right now and erase these false entries from my credit record right away. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to get a written response from you describing the results of your inquiry and the efforts you have taken to correct this situation.

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 2022-11-21
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Per the CARES Act, I submitted a refund request on XX/XX/XXXX for payments made during COVID payment pause. I was told it would take 2 months to process the request. 

Summary of payments requested for refund : {$550.00} payment made XX/XX/XXXX ; {$29000.00} payment made XX/XX/XXXX. 

A partial refund for {$550.00} was received XX/XX/XXXX. Meanwhile the student loan balance on my account reflects the combined total of {$29000.00}. I have not received the {$29000.00} refund. Today is XX/XX/XXXX. The two month timeline given was XX/XX/XXXX. 

Multiple attempts made seeking resolution to refund request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
-I have already two submitted two complaints regarding Ally Financial, but wanted to add that I am not sure who I really spoke to yesterday. A call came to my cell phone number ( XXXX ) on XX/XX/2021 at XXXX XXXX  that was labelled " Ally Financial. '' -The person on the line identified himself as XXXX XXXX from Ally Financial. I think he said titling, but am not sure. I knew the name, because that name appears on my title as the " Seller/Agent '' in the " Assignment of Title '' section of the title. 

- Once the person identified himself there was a pause. I said " I know who you are. '' - When I look up XXXX XXXX online, I find this person working at XXXX XXXX, which appears to be a loan title administration company, that services many lender clients, not just Ally Financial. This is presumably XXXX XXXX 's XXXX profile, which says he is a Title Release Technician at XXXX XXXX XXXX XXXX : XXXX : XXXX - It strikes me as odd that this technician who signed over the title, and has a job of " Accurately releasing automotive titles whilst meeting quota expectations, '' per the XXXX profile, would be calling me, especially if he doesn't even work for Ally Financial. 

-This same person who called also told me that all his Marketing Team would be on the case for me to try and correct the title, and they'd try to sort things out as soon as possible. 

- All this was said before " XXXX XXXX '' started asking me impertinent questions about the release of the lien. I said, I wouldn't have the title if the lien were not released. He claimed that he was only trying to figure out the process that Ally Financial used in order to release the title. The title was not released until I hunted it down, on XX/XX/2021. The date of sale is XX/XX/2021. The whole conversation was not pleasant and I knew I was being gaslit, and wanted out. And why would someone who ostensibly worked for Ally Financial in titling would be so confused about how titles and liens work? 

- Something doesn't add up. I don't think it was Ally Financial calling me yesterday, and it was XXXX, instead. Why is Ally Financial handing over complaints from CFPB to the wrong company? The person on the phone immediately referenced my complaint with the Consumer Finance Protection Bureau. 

-I wanted protection, and I got further aggravated by someone from either Ally Financial or XXXX. 

-It 's a simple problem. Fix the odometer reading on the title. Whoever was on the line admitted error and said that they'd use the odometer statement, but then harassed me after promising that. Also, this person asked if I had any receipt or quote of a penalty fee at the Texas DMV. I said, I will have a receipt after they correct the title.

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 2016-01-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bayview loans holds my Mortgage. It seems they are giving me the runaround and have no intention of approving any modifications. I submitted all docs required. I meet all requirements for modification as my income was cut in half due to retirement. I am 1 month behind because of them not approving this. they turned me down once and told me to reapply, reason they turned me down they said docs were not sent in on time. have papers to prove that is a lie. Then I reapplied and sent them XXXX pages of docs at XXXX time. Underwriter should have gone over all docs at XXXX time and if anything was needed send out XXXX correspondence with any questions. Instead just like the first time they send asking for XXXX thing than 3 weeks later another thing than3 weeks later another. It got to the point they asked for the same docs twice. I sent XXXX faxes to the CEO of Bayview to express my concerns and was never answered. My bank told me that they are doing this because they have to by the Government and this is their way of avoiding this. I need someone to step up and help me. there is a lot more about what has occurred with them. I have all papers from the first time I started this till now and they prove what they are doing to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: FIRST HAWAIIAN, INC.
State: HI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I tried to email First Hawaiian Bank to get a new account information packet mailed to my home address XXXX the messaging feature on my online banking. I opened the account on XX/XX/2022 and the Banker XXXX XXXX did not give me a new informational packet with the list of fees listed. He did however give me my account card with my Account number for the First Hawaiian Online Banking Sign up. I still have not heard anything back from the Bank Customer Service about my account information request. I keep new account informational packets for my records to show what banks I opened and the list of fees if and when I get charged fees that I do not recognize. Please also note in the screenshot I have uploaded with my account transactions the XX/XX/XXXX with the XXXX dollar deposit is the opening deposit I made when opening this Regular Savings Account with First Hawaiian Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I am the President of XXXX XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I bank with XXXX. 
I initiated a domestic wire XXXX {$89000.00} XXXX on XXXX XXXX, XXXX to Wells Fargo Bank with the correct name of the beneficiary and his address. I incorrectly put my client 's loan number as the beneficiary 's account number. On XXXX XXXX, XXXX I called my bank to recall the wire. My bank has told me they will not provide Hold and Harmless as required by Wells Fargo Bank. We called Wells Fargo and offered to provide Hold and Harnless with our Error and Omission policy. Wells Fargo called me today XXXX XXXX XXXX, XXXX ) and said that will not return the money until they receive Hold and Harmless from 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 2022-11-22
Company: Experian Information Solutions Inc.
State: NY
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2021-09-29
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX and I am a CONSUMER and ORIGINAL CREDITOR. I received a letter from Resurgent Capital Services stating they took over an alleged debt from LVNV Funding LLC I never gave any consent to this none of this companies to contact me pursuant 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- they are violating the federal laws including 15 USC 1692b ( 5 ) -not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt and 15 USC 1692b ( 2 ) -not state that such consumer owes any debt. I have proof of it and it will be attached to this complaint that Resurgent Capital Services is violating my federal CONSUMER rights pursuant the FDCPA laws mention above.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a home XX/XX/XXXX. Leading up to the process XX/XX/XXXX I talked to a few lenders. I work in XXXX and am very familiar with the mortgage/home buying process. I was interested in a conventional XXXX fixed mortgage for which I would make a 5 % down payment. I selected Wells Fargo. 
Because of my down payment amount, I knew I would be subject to private mortgage insurance ( PMI ). I was always told by the mortgage banker at Wells Fargo that after XXXX years I would be able to eliminate mortgage insurance if I could show that I had at least 20 % equity ( Loan-to-value ratio of 80 % or lower ). 
XXXX years elapsed and I went to get an appraisal. Wells Fargo then notified me that I would need to have 25 % XXXX. When I asked why it was not 20 % as had been told to me before and during loan closing, they said that it had changed to 25 % because of the pool of mortgage backed securities the loan was sold to. 
Of course I then called Wells Fargo to ask what was stated regarding PMI in my loan agreement. They said that the ability to eliminate PMI based on increased market value was not in writing, since it could change post-closing. I think it was inappropriate that this fact was not disclosed to me at any point during the mortgage process. 
While I understand that as part of the mortgage process I consented to the resale of my loan post closing, I think it is inappropriate that I was negatively affected economically because of the party that Wells Fargo had decided to sell my loan to. My mortgage insurance was {$250.00} per month and I was always told that if market values increased I would be able to get the PMI removed after 24 months and having reached 20 % equity. If the fact that it could change without my consent had been disclosed I would have sought a lender that would have maintained the requirement of 20 % equity for early PMI removal. I spoke to my XXXX and he had never heard of the 20 % equity requirement changing to 25 % equity post closing of the loan. 
My loan balance when I got the appraisal was approximately {$300000.00} and the appraised value was {$410000.00} XXXX I had 24.6 % equity ). I was required to make a paydown of {$1800.00} on my loan. While I was able to remove PMI with a paydown I could afford - I know this might be happening to other Wells Fargo clients and I think they should receive compensation if a loan resale decision affects them economically.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Stellantis Financial Services US Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am severely distressed due to my rights being violated by this company. 

I woke up the morning XX/XX/XXXX to find my vehicle, a XXXX XXXX XXXX, was stolen from a private gated property by an unauthorized third party, which is a violation of 15 usc 1692f ( 6 ), which the third party company involved, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, did not have a court order to seize said property. XXXX XXXX is also in violation of 15 USC 6803 ( a ) ( 1 ), because they did not receive any written authorization from ME to disclose my personal information to a third party. 

Further in accordance with 15 USC 1692e ( 2 ) ( 4 ) This company is liable for the unlawful seizure of my property, as the vehicle was parked in a private gated area in the middle of the night, so the towing company had no legal means of entering the property, thus resulting in XXXX XXXX XXXX XXXX XXXX XXXX 

As a consumer, I know my rights afforded to me by federal law, and I am requesting immediate compensation to my distresses or I will be forced to seek litigation.

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 2015-10-13
Company: Phoenix Financial Services LLC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
THIS ACCOUNT IS NOT MINE IT IS A RESULT FROM MY IDENTITY PREVIOUSLY BEING STOLEN ... I HAVE FILED A POLICE REPORT AS WELL AS ID THEFT AFFIDAVIT AND COMPLAINT FROM THE FTC REGARDING THIS MATTER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, XXXXI had filed a claim with BMO ( {$20000.00} ) with a police report stating that XXXX  has took my money and refuse to give it back after a bet was made that resulted in to a VOID. The police stated it was fraud. On XX/XX/2022 I got a letter stating the charges of {$5000.00} came back valid. Today is XX/XX/2022 I have been requesting this information and still have yet to get it. Im not sure what type of claim BMO filed but theres no evidence of XXXX refunding my money or that the game didnt end in a TIE. I believed the customer rep put that I didnt authorize these transactions and thats not. THE POLICE REPORT CLEARLY STATE THE FACTS. So XXXX was suppose to close the claim on XX/XX/2022 Ive been calling all last week and there was nothing updated BMO stated they still havent heard back for the rest of my claim. So today XX/XX/2022 they are stated they got the evidence.

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 2021-09-29
Company: Thaxton Investment Corporation
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Covington Credit/ SMC XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AL XXXX has reported that I owe {$890.00} on an accouint that was allegedly opened in my name in XX/XX/2017. 

STILL NO PAPERWORK WITH MY SIGNATURE ON IT HAS SENT TO ME AS I REQUESTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: BMW Financial Services NA, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX, ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH BMW OF XXXX ON XX/XX/2021. A CONSUMER CREDIT TRANSACTION IN WHICH A FINANCE CHARGE WAS INVOLVED 15 USC 1601 DEFINES A FINANCE CHARGE AS THE SUM OF ALL CHARGES IN A CONSUMER CREDIT TRANSACTION. THE FINANCE CHARGE DOES NOT INCLUDE CASH BUT BMW OF XXXX TOOK CASH. THE FINANCE CHARG ALSO IS SUPPOSE TO INCLUDE INSURANCE BUT BMW OF XXXX MADE ME PURCHASE INSURANCE SEPARATELY. BMW OF XXXX WILLFULLY AND KNOWINGLY FAILED TO PROVIDE/DISCLOSE INFORMATION REQUIRED UNDER THE PROVISIONS OF 15 USC 1601. 

THEY ARE NOW CIVILLY AND CRIMINALLY LIABLE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: NY
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 account Experian has violated my Rights 15 usc 1681 Section 602 States I have the right to privacy.

16 USC 1681 section 604 A section 2 : it also states a consumer Reporting agency can not Furnish an account With out my written instructions.

15 USC 1666B : A creditor may not treat a payment On a credit card account Under an open End consumer credit plan as late For any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
According to the FDCPA I am excercising my right as a consumer and you have violated me on multiple levels including defamation of character, invasion of privacy, harassmemt and soliciting private information for financial gain! I demand remedy as is my right pursuant to 15 USC 1692. I demand you CEASE all communications with me through ALL mediums. Please see attached documentation for further details.

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