vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC
State: GA

Complaint narrative:
I am writing to file a formal complaint against Alliant Capital Management LLC XXXX XXXX XXXX for their persistent and inappropriate debt collection practices. My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am disputing the validity of a debt associated with account # XXXX ]. Despite my attempts to address this matter directly with Alliant Capital Management LLC XXXX XXXX XXXX, their actions have been both aggressive and unacceptable. 
I have experienced persistent and unwarranted phone calls from Alliant Capital Management LLC XXXX XXXX XXXX. The frequency of these calls is unacceptable. Additionally, I find it highly inappropriate and concerning that they reached out to my mother on XXXX the alleged debt. 
I will attach the screen shot of the voicemail they left her. 
I have taken the following steps to resolve this issue : On XXXX spoke with a lady at Alliant Capital Management LLC XXXX XXXX XXXX XXXX She assured me that the matter would be resolved, but unfortunately, there has been no resolution to date. 
I sent an email to XXXX outlining the details of my dispute. I have not received a response. 
I have attempted to contact Alliant Capital Management LLC XXXX XXXX XXXX by phone at XXXX on multiple occasions, but my calls have gone unanswered. 
I urgently request the CFPB 's assistance in addressing this matter promptly. My desired resolution includes : Ceasing and desisting all communication from Alliant Capital Management LLC XXXX XXXX XXXX. 
Any appropriate action to rectify the harm caused by their actions. 
I appreciate your attention to this matter and look forward to your prompt assistance in resolving this dispute. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had excessive overdraft fees from Wells Fargo in the past year XXXX and XXXX. 
And I just found out about the settlement that was approved this year and have not heard anything from my bank and I believe i should qualify for competition since I have been a customer with 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 2023-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Bepensa Capital, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I was instructed by XXXX XXXX to sell my car to XXXX and pay the difference as a secondary option instead of surrendering the vehicle. Receiving the quote from XXXX and filling out documents to sell the car, I was told that the associate of sales at XXXX, by the name of XXXX, was giving the loan company an issue, finalizing the sale. XXXX XXXX then pick up the vehicle and sold it to an auction company only to leave me with the remaining debt and no vehicle. 
I have repeatedly called them and received no help in regards to this matter. On XX/XX/XXXX I called and spoke with an associate who took my information and reassured me that I would get a call back from the gentleman who handled the purchasing of the vehicle and selling of the vehicle with XXXX. On XX/XX/XXXX I called back again to gain further information on why this debt is still being reported. I spoke with XXXX in the title department and received a call back from XXXX stating that the car was repossessed because I refused to sign a release form with XXXX, which is completely false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I visited XXXX Chrysler XXXX XXXX Dealership in XXXX, TN, located at XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX, with the intent of purchasing a XXXX XXXX valued at {$40000.00}. I sought assistance from the sales consultant, XXXX XXXX, who collected pertinent information, including my social security number, to facilitate the financing process. Acting under the guidance of manager XXXX, XXXX XXXX initiated funding applications with multiple lenders on my behalf. 

Subsequently, Manager XXXX communicated the outcomes of these financing endeavors. While Chrysler Capital extended approval for the requested amount, they conditioned the approval on a substantial down payment of {$12000.00}. In response, I asserted my rights under the Equal Credit Opportunity Act ( ECOA ), specifically referencing 15 U.S.C 1605, which prohibits mandatory down payments for individuals with " favorable '' credit. 

The dealership, however, contended that their internal policies superseded legal mandates, as conveyed by Chrysler Capital Underwriter XXXX. In an attempt to engage in a meaningful discussion with the underwriter, I proposed a conference call facilitated by the dealership, but this request was summarily denied by XXXX XXXX, citing a reluctance to comply regardless of legal stipulations. 

Complicating matters, the dealership utilized my social security number without providing any discernible benefit, potentially constituting unauthorized credit card usage under 15 U.S.C 1602 ( p ). Despite my desire for a thorough review with the underwriter, the dealership declined to initiate the necessary communication protocol as outlined by the credit application process. 

The denial of credit and subsequent embarrassment inflicted by the dealership 's employees prompted this formal complaint. My singular objective is to secure approval for the purchase of the XXXX XXXX under fair and compliant terms, aligning with ECOA guidelines. I anticipate a resolution that upholds legal standards and affirms my ability to secure financing through Chrysler Capital. 

In light of the foregoing, I call upon Chrysler Capital to honor the principles of fair lending and adherence to relevant financial regulations. May this matter be resolved justly, ensuring that the acquisition of the XXXX XXXX is conducted in accordance with established legal frameworks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
PHEEA and AES has been deceiving me and lying to me for years. I have been paying them on time for private and federal loans for decades. I have repeatedly asked, and presented them research that they were not allowed to keep collecting from me after I had been in payment for XXXX years. They denied. they concealed all the information from me. I moved the private loan to a different provider, who immediately forgave the entire debt, confirming that AES and PHEEA have been lying to me for years. 
AES/XXXX/Pheaa ( whatever their name is ) refused to send me a letter that me paying does not mean I admit to owing them money. I asked them to give me wire transfer information and the information to send checks. I am only paying due to their threats to defame me at the credit bureaus. I wrote numerous checks to them with the information they gave me. And I sent multiple wires to the wire transfer information they gave me. they did receive all the money -- many times my so-called " overdue '' amount. They refused to recognize, and did not update their website with the amount of money they took. I complained, and they immediately disabled my web account. therefore they are withholding all information about my account, since I do not have paper billing with them. I have written and called. They refuse to give me access online. They refuse to return the money I paid. 
I will now need to bring a lawsuit to collect stop payment fees I will need to pay to my bank, and for a return of the money that they stole without crediting my account. 
They refuse to tell me their actual company name, address for service of process, my account number, or any information at all about how to enforce my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I tried logging onto my mobile app for ally bank. An error message stating that " Sorry, our mobile app is not working right now. Please call us for further details. '' This happens multiple times a week unfortunately. When I call Ally bank when I have the time, they do not tell me why the mobile app is not working. They just tell me " no one has called today telling us the mobile app is not working. '' Even though there are several forums online and their reviews online stating that there mobile app is not reliable and not accessible. Sometimes it will say we " we are experiencing technical difficulties, please try again later. '' I

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 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/XXXX, our accounts ( checking and savings ) were frozen due to fraudulent activity. WF said they would be closing the account. XXXX went to the manager of the XXXX branch to see if she could get a check for our funds or part of the funds. He was very helpful and got on the phone to fraud dept and they said they could only do that if both people on the account were present. XXXX and XXXX, who got off early from work and came from XXXX, then met over at the XXXX branch. The manager there was also very helpful and again called the fraud dept and was told they could not help them and transferred to another dept, who did not answer the phones because they had gone home at XXXX. So XXXX and XXXX came back in the next morning, taking time off from work, for the manager to call again. When she finally got hold of someone they said all funds were frozen until XX/XX/XXXX when a check would be cut and the accounts closed. She tried to get even part of our funds for us to live on, but the fraud dept refused. It is now XX/XX/23 and our funds have not been released and no communication has come to us about when we can expect our money.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XX/XX/2023 Sent a Qualified Written Request and requested specific documents from servicer. Servicer has failed or refused to provide the specifically requested documents and must cease collection activity and unauthorized credit reporting. 

XX/XX/2023 Sent a Demand for Validation of Debt and requested specific documents from the servicer 's Attorney. They failed or refused to provide the specifically requested documents to validate the debt and must cease collection activity and unauthorized credit reporting.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Portfolio Investment Exchange, Inc.
State: MD

Complaint narrative:
Attempts have been made to clear my credit report from third party reporting agencies that I have not, nor had any prior business with. The report keeps coming back as verified and no solutions to my complaints. My fair consumer rights have been impacted because of false information, non privy information and outdated information. XXXX has neglected to correct my personal information and report true information. I have never had an at fault accident which I am being told is impacting the cost of coverage of unaffordable insurance.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been paying separate interest ( cash advance interest ) on my credit card statement each month in addition to the regular interest charged on my charge purchases. This has been going on for some time but when I look at my statement online it shows that the Cash Advance interest rate is 28.24 % just as it is for regular charge purchases 28.24 %. So I called them today, XX/XX/XXXX to inquire about what cash advance purchase was made and when because I don't recall when I have ever made a cash advance purchase with this credit card. Well after speaking with 2 customer service reps and ultimately a Supervisor they told me that this was a cash advance made in XX/XX/XXXX for {$63.00} ( over 5 years ago ). I told them that after all this time paying interest each month this balance wasn't never paid off! I most often always pay more than the minimum payment each month. Why can 's some or part of that additional payment go toward the cash advance balance. They told me the only way that {$63.00} would be paid off is if I pay the account in full, otherwise it would keep accruing interest forever more until the entire account is paid in full. This to me is bad practice. If this is the case as they say, then why would any one want to use the cash advance feature when they would have no chance of paying it off. Furthermore, even though they charge me interest on this cash advance, they avoid putting on my statement if anything has been applied nor include any information about the original balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was staying at a place called XXXX XXXX XXXX located in XXXX Fl. XXXX XXXX XXXX is a property of XXXX XXXX. I was making payment online through their website for the rental I was renting. I made several Payments monthly from XX/XX/2022 through XX/XX/2022. I was using my debit cards from 2 different Bank of America accounts depending on which account the funds were available in. On XXXX or XXXX the day was our last day in the RV park as the unit was being rented out after that. I had gathered everything and had expected to see a final bill and what was owed after a walk through of the unit was completed. Nothing was received, instead a payment was taken directly from the account with no communication. The woman had called my parents but not my number directly. I disputed with Bank of America as they advised they would research and get back to me with in 30 days. I advised that I had not input my cc number on file to be saved, did not authorize the final payment and everytime I made a payment through the online system I always entered all CC info EVERYTIME as it was never saved! I disputed the charge as Bank of America advised it was legit. well of course but that was not Right of the RV park to take a payment that was not authorized nor was it right that no communication was directly with myself. 2 business in the wrong. And as it appears why and how would my information be available that they were able to process a payment? Is there software saving info with out knowledge and consent by the customer? Are they recieving full CC details on statements? How safe and secure was my information! In addition the woman ( XXXX XXXX ) the assistant Office Manager was or possibly still is also a Mortgage Specialist II for Bank of America. That would be abuse of powers and if she had connections still she was able to pull all bank details including my Debit Card info and able to see what was available. VERY SHADY! My information was not authorized no consent was given and I truly believe that there are laws and violations that have occured and yes the debt was owed but never verified and confirmed and the payment was taken with no authorization and finalization consent. I believe that my information data has been breeched and i would bet that I am not the only one. Someone has/had access to see my full banking information! Date XX/XX/2022 {$1400.00}

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 2023-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
CFPB Complaint in Response to WFM Letter dated XX/XX/XXXX This letter is in response to Wells Fargos findings after an alleged investigation of the facts. At the outset, Wells Fargo wrongfully alleges that I was not denied the Investors information. In support of its decision, Wells cites a Denial listing XXXX XXXX  as the Investor. 

The substance of my grievance is the wrongful denial, whether it was by Wells Fargo as the Servicer or XXXX XXXX  is immaterial as the denial was without basis. Curiously, Wells Fargo has not provided any of the records on which the wrongful denial was allegedly based income, bank statements, details of the analysis, criteria for approval, etc. Clearly, Wells Fargos alleged reconciliation of its unlawful practices is cosmetic and without substance. 

In lieu of providing the records on which the modification denial was based as repeatedly requested, Wells Fargo resent the identical letters from its alleged initial review and points to the name of the Investor in support of its decision dated XX/XX/XXXX. As a result of Wells Fargo only stating the Investor denied the modification request, I repeatedly requested the name and contact information of the Investor to directly challenge the denial. 

Notwithstanding, the name of the Investor does NOT satisfy its obligation to provide documentary proof in support of its denial. 
Equally untenable is Wells Fargos allegations that it was unable to reach me. I responded to all of its calls and letters. Wells Fargo has failed to mention which documents were not provided. 

Further, as mentioned in my complaint on or about XX/XX/XXXX, Wells Fargos argument that the denial on or about XX/XX/XXXX was based on the NPV is equally meritless because the NPV valuation took place more than 7 years after multiple wrongful denials beginning in XX/XX/XXXX. Wells Fargo can not hide behind a denial directly related to its 7 years of dilatory actions and wrongful denials.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am deeply concerned to discover public records on my credit report that I was unaware of. This is not acceptable. I urge you to remove these records and ensure my credit report is updated correctly.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am deeply concerned to discover public records on my credit report that I was unaware of. This is not acceptable. I urge you to remove these records and ensure my credit report is updated correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

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 2023-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
Multiple attempts have been made to clear my credit report from third party reporting agencies that I have not, nor had any prior business with. The report keeps coming back as verified and no solutions to my complaints. My fair consumer rights have been impacted because of false information, non privy information and outdated information. Caine & Weiner Co. INC Has no business agreement with myself.

Company response to consumer: Closed with explanation