BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-22
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The Children 's Place Credit card and Comenity Bank is violating my rights ( 15 usc 6802 a, b ) by checking my credit report on several occasions and decreasing my credit limit which cause late payments and interest fees on my account. They never sent out any adverse action letters to me to explain why they decreased my credit. They are currently reporting me as late to the credit bureau trying to make a hard inquiry on my credit report for an increase. I do not have access to my transaction history of my whole account and when I called to request the detailed history and my credit card number and the customer service rep XXXX # XXXX XXXX  XXXX XXXX told me I had to request it in writing. Why would I need to send a letter for my whole transaction history when I verified who I was and spoke with them regarding my account just to tell me I have to write a letter. They are refusing to give my credit card number over the phone to submit complaint. They didn't write a letter to me when they checked my credit several times without my knowledge. They refused to send me a new expedited card in mail after reporting it stolen. Also the dates the credit was decreased does not reflect the dates they removed the credit from me on my statements. They are defrauding people decreasing credit just to do a hard inquiry to give the credit back when they ask for an increase. I would not have to get another hard inquiry for an increase if they never took it away in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
In approximately 2016 i opened a business checking account with Wells Fargo. My " personal banker '' proceeded to set me up with a checking account and associated savings account, plus an IRA account. I never requested these savings account or the IRA account. I protested the IRA account saying I had never requested it but no one seemed capable of resolving the matter so I let it pass and left approx {$3500.00} in the account. 
For some time now I've been trying to get the funds out of the IRA account but Wells Fargo consistently says the " back office '' has not approved release of MY funds. I've been patient, signing various release docs and speaking with numerous individuals. Until recently, I thought it was the typical bank bureaucracy getting in the way. However, today I was told I need to sign a New Account doc in order for them to approve the release of the funds and I realized they want me to sign this doc so they have documentation of my request for an IRA account. They don't have the documentation because I never requested the IRA account. THis is proof that I never requested deposit of my funds in an IRA account. So, in addition to what I believe is the illegal deposit of my funds in the IRA account, we have a catch 22 situation where they have no record of my approval of the account which prevents them from releasing my funds. In order to resolve this situation they want me to sign a new accounts document so they have my signature on recorded for requesting an IRA account. Kind of proves my point. This is systematic manipulation of the system resulting in continued use of funds by Wells in spite of clear demand for return of client funds. I am not alone. 

I'm filing this complaint because I believe others have been treated this way by Wells Fargo. I had a an offhand conversation with my neighbor about this situation and she said she was in the same situation and not able to get her funds. Wells Fargo appears to continue to be the corrupt bank they have proven to be over the past decade. Unfortunate.

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 2023-09-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a business account with Chase on XX/XX/XXXX. 
I've received a payment ( {$57000.00} ) from my contractee on XX/XX/XXXX. 
However, my account was locked and subsequently closed on XX/XX/XXXX because they could not verify that the payment was intended for me. 
I found out that the payroll company processed the ACH payment under my nickname, instead of my legal name, I've been receiving monthly payments from the same company for the past year through my personal checking account and did not find out about this until the incident. I provided a letter from the HR department, XXXX XXXX statement, and payment history from the payroll company that shows my nickname as requested by Chase but Chase states that the only way the fund can be released is if I submit a government-issued ID that shows my nickname or if the payroll company requests a recall on the ACH payment. I explained that my nickname is an English name that I use and is not my legal name, and therefore I don't have a government-issued ID under my nickname. As far as recalling the fund, I was told by the payroll company that it can't be recalled once it's been settled. I checked the ACH reversal requirements online and it states that ACH reversal can not be processed if it's past the five banking day frame. 
Chase continues to state that there is no other way to release the fund, and there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Chime Financial Inc
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I cancelled a delivery order with XXXX, on XX/XX/23 XXXX has already released the hold on my account but Chime refuses to expedite my refund and are making me wait a week to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reviewed my consumer reports and noticed that I had as many as 7 late payments reported on an account that I was never late in paying. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts from student loan servicer XXXX that I am attaching and reporting as inaccurate today. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks!

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 2018-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Capital One charged me {$400.00} for nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I negotiated a settlement on my personal loan with OneMain Financial in XXXX of XXXX for a lower amount than what was owed on my account. OneMain accepted my payment and released the title of my vehicle that was used as collateral. I received my title and expected that the loan was settled as I was informed by OneMain. Two years later, I started to receive statements in the mail that notified me that I still owe money on the loan that was settled and that I was late on payments.

I immediately called OneMain in XX/XX/XXXX and reached XXXX XXXX at ext. XXXX at which I explained the situation and he informed me over the phone that it was a mistake and that the loan was in fact settled and that he would inform the settlement department to send a letter to confirm and remove the account from my credit report. Two weeks went by and I did not receive the letter or confirmation that the account and late payments were removed. I called again and spoke to XXXX 's superior where he informed me that they do not have record of the settlement and that I could settle the debt for {$4500.00}. Again, I settled the debt, received the title to my vehicle and do not owe anything on this loan.

To date, One Main has not removed this account and it is now affecting my credit score with late payments on a loan that I no longer have with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: AMA Advisors, LLC.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Started application process in XX/XX/2019 summited everything needed including paying for appraisal, my old mortgage company was removed from my homeowners insurance by them without my knowdege, like everything was okay with loan, two Hard Inquiry was pulled on my credit report which lowered my FICO score, was told by company everything was fine he had lenders approval letter that we should be ready to close soon then I stopped hearing from him. It is now XXXX the title closing office also stated she can not get in contact with him. They were ready to " CLOSE '' I asked for a letter of denial if we weren't going on with the loan I get this email not signed by anyone, not on company letterhead etc.. form had that I was denied due to " non proof of employment '' would not have gotten this but I asked nothing was mailed. A CPA had sent information earlier on this, I had other times I feel remarks or questions were due to my race., " why do you have two bank accounts '' giving me the impression blacks should not have two .I have text message. Amount of refinance was {$140000.00}. My home appraised for {$230000.00} with only {$85000.00} left on mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: MOHELA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My consolidation loan application was completed on XX/XX/23 along with the XXXX request for XXXX. 
MOHELA reported consolidation loan disbursement on XX/XX/23 MOHELA reported consolidation loan payment on XX/XX/23 My consolidation Loan was placed into the level repayment plan I spoke with the MOHELA XXXX ( XXXX, XXXX, or a similar name, a trainee ) on XX/XX/23 to inquire why the plan was not in XXXX. 
She reported that she could place me in forbearance while the XXXX request processes. 
I declined as I wished for the XXXX payment to count. 
She transferred me to a second rep. The second rep informed me that MOHELA got to the XXXX request before the consolidation loan was processed and therefore tabled it and did not come back to it after the consolidation loan was processed, as a result, I was placed in level repayment due to MOHELA not reviewing the XXXX request at that time. 
The second rep stated she would expedite the processing of the XXXX request as I am eligible for XXXX and accruing interest I should not owe. 
MOHELA then Additionally, the call was XXXX hrs and XXXX min, including mostly wait/hold time. 
I checked my MOHELA account on XX/XX/23 and I see my account listed in forbearance, which I explicitly declined when speaking with MOHELA. 
On XX/XX/23 I received a letter from MOHELA that I was placed in administrative forbearance. I believe this letter initially said that I requested the forbearance but on reexamining it on XX/XX/23 I do not see this language and question if the letter has since been altered. 
I also believe that any interest that has capitalized should not have occurred during consolidation, as my loans were in the XXXX plan before consolidation and should have likewise been in the XXXX plan after consolidation, but due to MOHELA 's mishandling of the consolidation and XXXX  forms ( which should be handled together ), I have several XXXX dollars in interest accrued at this time. 
As of today, XX/XX/23, I see that I am in the XXXX plan but also forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-09-05
Company: Maximus Education, LLC dba Aidvantage
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I transferred my student loans from Aidvantage to XXXX, and more than 6 months after transferring my loans, my credit report still lists my loans as double the amount - every loan that I have with XXXX is still also listed as a separate loan for the same amount with Aidvantage. I have tried to contact Aidvantage, but it is impossible to get through to them via their customer service line, being on hold for over an hour is not acceptable and I need this problem corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: OneMain Finance Corporation
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I spoke to OneMain financial on Friday when they called my desk line at work. I advised them that my work situation had changed and could no longer have calls at work. I made arrangements to contact them the following week. 

The loan was taken under predatory conditions. I went to them originally to get an extension, as my husband has recently become XXXX. Instead, they talked me into a {$10000.00} loan that I can no longer afford

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2018 I receive this deposits in my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX USD Total XXXX USD Same day at nigth i check that in my banking online that i had a bank debit for XXXX USD value, so i called at the time and made a claim, so the customer service told me that i had a note in my account for the lost prevention department so i must call them the next day, they said that department had freeze the account and they had to ask me some questions before unfreeze it. 


XX/XX/2018 First time in the morning i check the account again and i can see that XXXX XXXX were missing from my account and i called again very worried about the situation and customer service told me again that i had to call to Lost Prevention Department and ask them about that money. Finally i could made a call to them and their answer was that they had superiors orders to close my account for good with no explanations, that i had to look for another bank, they sent a letter 30 days ago to my billing address and i never get it because my home address is in XXXX and the mail service for USA - XXXX was down this new year, anyway ... after i ask them several times to understand me and help me they agree to give me back the XXXX XXXX they took that day but the XXXX XXXX from the day before they just told me to made a claim from customer service for that money. 

XX/XX/2018 I made a claim for the XXXX XXXX XX/XX/2018 I call to ask about the XXXX XXXX claim and i had check for another fraud made to my account for XXXX XXXX, that was an unauthorizing payment from XXXX XXXX XXXX, 2 days before i get a similar one and after i made a claim they put an Stop Payment Order for that company but it didnt work, after 5 hours talking with several departemtns in Wells Fargo where all of them send me with Lost Prevention Department telling me that they had the money finally Lost Prevention Department told me about one client who did the deposit for the value of XXXX XXXX some time after he come back to the bank and showing the receipt and telling to the teller some XXXX excuse the teller withdraw the money from my account and give him back, so i tell the lost prevention department that this is not legal anyone besides me or someone who sign in my account cant withdraw money from my account without my permission, that they answer me that anyone with a receipt can do it. 

Some months before another scammer try to do it the same and i made a claim and the bank give me my money back because anyone besides me cant withdraw money from my account, so why now they are telling me they can?, they ask for proof and i give them, i always have the receipt from my clients, so i can show all the proof they want. 


Thanks for your help.

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 2023-09-05
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited an employer check for a new job and the e-check was altered ( fictitious ) and the bank closed my account. The first check from this employer cleared after an 11 DAY HOLD and the money was released. They have held all my money and have closed my debit card. They allowing deposits but why are they not allowing ach payment withdrawals? It has been over a month since they have closed my account and have not sent me my money. 

They want me to go into the branch but I can't make it in the time they are open.

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 2023-09-05
Company: ProCollect, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Va XXXX XX/XX/XXXXXXXX Procollect , INC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Acct # XXXX To whom it may concern, I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged allegations are not only being listed as OPEN but also having past due amounts of {$240.00}. This is a violation of the FCRA and is in violation of requisite XXXX complaint reporting standards. 

According to the fair credit reporting Act I have the right to a completely accurate credit report, and you are required to remove any information this is not true. 

Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliances with all XXXX reporting standards and this account removed upon completion. 

Sincerely, 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 2023-09-05
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have been working with Specialized Loan Services to modify my mortgage and and help me save my home, they sent me a congratulations letter saying my modification was approved for 480 months at {$900.00}. This program is not helping me it's stealing, simple math says this practice is preditory and saying no w the escrow payment on {$6000.00} will be {$360.00} a month for 5 years. Which is {$21000.00}. And the loan balance is {$110000.00}. 
Seems this is more than preditory if they are trying to help people save their homes. 
Seems I would be paying 5xs the current balance how is that helping people??

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 2021-10-13
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I recently deposited two checks from the same company into my Chase checking account. The checks were both from a company that Chase partners with to handle retirement/401k accounts. Upon depositing the checks ( which were both for small amounts ) the bill XXXX smaller one was immediately available and the other one was placed on hold for 10 days which they claim will be available tomorrow and they didnt make half of the check available which is what usually happens when check are held. However two payments came out of my account and I was charged two NSFs of {$34.00} for not having the funds when I in fact do but Chase will not make them available. I feel like this company is trying to rob me, the consumer, with unfair banking practices. My account also shows that I have a balance even though they are holding my funds for no reason. Also they are violating 15 USC 1602 ( p ) by having unauthorized use of my credit and issuing me a debit card to which I receive no benefit, I am not even able to access my own money. I tried to handle this issue with Chase and all I was told was how to avoid overdraft fees when I already know plus I have overdraft protection turned off so things should not come out of my account if there are no funds anyway. They also referred me to look at funds availability which does not explain why they have to hold a check for a small amount for so long.

Company response to consumer: Closed with monetary relief