BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My complaint is about Wells Fargo Bank ( WFB ). I am the sole heir of my father 's home. My attorney already transferred the deed into my name, per the terms of the trust. WF has received this information and has confirmed that they have it. I have been trying to get WFB to put my name on the mortgage and remove my mom and dad, since they are both deceased. I spoke to XXXX at WFB today ( XX/XX/XXXX ) and they refuse to do so and indicate that I must meet their assumption or refinance qualifications. I have been paying this mortgage for the past eight months and my understanding is that I do not need to " qualify '' if I am the child of the deceased and will be living in the home. I mentioned the law does not require an Ability to Pay provision in this case. WFB said that it used to be that way, but that Dodd Frank of 2010 changed and I would have to qualify as if taking on a new mortgage or refinance. I found 12 CRF Part 1026 RIN 3170-ZA00 dated XX/XX/XXXX that addresses this issue in detail. I found another article that confirms this as well. Both are attached. As far as I can tell, WFB staff are incorrect. I feel that they are deliberately violating the rules to try and get me into a new loan, complete with a bunch of new fees. This is after months of run around from them.The only reason I would take on the existing WFB mortgage is for ease and to not have a hard pull on my credit report. I would have no problem qualifying for a mortgage or refinance on my own, but I would seek much better terms than this bank offers. If WFB refuses to work with me, I will simply take my business elsewhere and get a new mortgage. However, what about all of the people who may not have this option? It isn't right that they are not afforded their options because WFB doesn't understand the rules.

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 2024-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
We have XXXX promotional purchases Bank of America XXXX XXXX. We transferred balances to those cards. We were told on XX/XX/XXXX that we should send in {$1600.00}. to pay off the monthly charges and the rest would pay off the promotional amount. Please know that we have used XXXX XXXX, XXXX XXXX, XXXX XXXX to pay promotional purchases. 

Our send account was larger and we had saved {$8000.00} to pay it off in XX/XX/XXXX. We called B of A a second time same day. Another representative told us an entirely different story that no matter how much we paid the promotional purchase would only receive the minimum due and the rest of the paymentwould pay off other purchases currently at a much higher interest rate. This contradiction produced a phone call to their manager who did not call us back.

This is to us a bait and switch. No other promotional purchase from any company or bank has ever applied money FIRST to the monthly balance due and SECOND to the promotional purchase. It is a clever but unfair. Similar to no surprise billing from hospitals which prevented this type of practices, the B of A policy covertly allows the bank to gain huge amounts of interest ( in our case {$4200.00} ) when the promotional purchase comes due and PREVENTS us from satisfying our original intent. It is deceptive and unfair.

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 2023-01-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
there is an alleged medical collection on my report that is less than {$500.00}. under your company anything less than {$500.00} can not be reported.

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 2024-01-06
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citibank closed my account out still don't really no why but I'm fine with that I just want my funds returned back to my account my mom XXXX XXXX lent me {$380.00} and XXXX to help with rent and food so she wrote me 2 checks and they drafted my mom account she has with XXXXXXXX XXXX after shortly after they closed my account once they took my mom money her bank have been calling she have been calling, I have perfusely been calling and they keep lying saying they sent the money but get your mom to call which she has and her bank, they saying they sent the check but I am checking the mail daily nothing at all from them and this incident occured XX/XX/XXXX and here it's a new year my mom need her money this was only a loan this her only income for her XXXX I hope you can help I truly do thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Upstart Holdings, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
approx 2 months ago they billed my closed checking acct when i specifically advised them its closed resulting in fees for bothn the upstart loan and upgrade card i have with them the following month they did it again i went off on them and was told theyb wouldnt do it again i removed the acct last month and what they do they did it a 3rd time this month they have the correct acct on file but keep billing the one i said not too i remove acct they add it back this place has giving me so much grief on adding my new acct at first they wouldnt verify it even after isent requested infotheykeptsaying itvwasntthe format theybwanted eventually they accepted it this is after billing myclosed acct3 times when i said not too my god im very upsetting its costed me more than all my payments combined with the bank bc thge acct cant close until it isnt billed i need them to remove it and they wont do it i even gave them the acct to bill ive had alot of cards over the years but never have run into such a poor managed co like this one they purposely ignore your every in struction please help in any way you can its not like im not paying the bill but of coarse its hurting my credit as well and they know it and its not fair also i should note i try to go back to access my info online now and it says my acct is temporialy not available ive had multiple issues trying to access in past its like they lock me out so i cant do anything also nobody works on weekends there very hard to get ahold of i belive its intentially driven motives

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: SYNCHRONY FINANCIAL
State: TX
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 ordered a supercharger from XXXX in XXXX of XXXX 2023, I contacted TPS on XX/XX/XXXX explained the item they sold me wouldn't work due to they sold me the wrong item. The seller stated I have XXXX options I can be hit for 30 % restocking fee as stated in his email or a store credited. This item was charged on SYNCHRONY CAR CARE ending in ( ... XXXX ). I contacted them to dispute the charge based on me being sold the incorrect item. They declined my dispute and refusing to charge back the company the charge minus the 30 % restocking fee even though I provide them proof the company would. I returned the items back to the seller in XX/XX/XXXX on tracking XXXX less than 30 days of receiving the product. I no longer have any other the items I'm being charged for in over 4 months but being charged for it.

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 2023-09-10
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/2023 Experian Dispute Department po box XXXX XXXX, TX XXXX Re : Dispute of Negative Information Capital XXXX Account # XXXX Dear Experian Dispute Team, I am writing to formally dispute the negative information on my credit report related to the XXXX XXXX account with the account number # XXXX. This account is adversely affecting my reputation and credit score. 

Under the Fair Debt Collection Practices Act, 15 U.S. Code 1692 ( d ) ( 2 ), I am entitled to request the immediate removal of inaccurate or unverified information from my credit report. I hereby request the removal of the mentioned XXXX XXXX account from my credit report, as it is adversely affecting my financial standing. 

I kindly request that Experian conducts a thorough investigation into this matter and promptly removes this negative information from my credit report. I believe this action is essential to ensure the accuracy and fairness of my credit history. 

Please provide confirmation of the removal of this account once the investigation is completed. 

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 2023-09-20
Company: FIRSTBANK
State: ND
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
To be honest with these banks, I received harassment while I had accounts there, transactions and could change my information at any time. He could put other information even in my online banking account. He could do a lot of things that were unacceptable, an acceleration ******** my word. He calls me and blocks my account without my permission and he calls me to go as far as I don't know. in the office, where the bank is located to speak with someone, I left. But what they did to me, it's really unacceptable that you can't believe. I tried to fix it. For several times and they continued to put information so that I can no longer open any bank account where I am talking to you, I become like an instrument that does not has no right in fact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: Idaho Housing And Finance Association
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company thought the home insurance that they are to pay on our home didnt get paid. So they purchased more insurance when in fact it did get paid. They then raised our mortgage from {$680.00} to {$1000.00} a month. I called and asked why they did this and was told it was due to the taxes being raised on the home. I called the assessor to see how much the taxes went up and they told me {$120.00} A YEAR! I had also before any of this happened filed a complaint through your office in regards to them saying they would not help us through Covid. They said they never said it but they did say it to us. So any how the raise in our monthly payment went up {$400.00} a month for our taxes going up {$120.00} a year. They do nothing but harass us. My Wife and I both had XXXX  and they would still harass us even while sick. On the very month that our mortgage was raised they did not tell us and I made a normal payment of {$680.00} thinking it was paid in full. However, they did not even let us know about the increase in our mortgage til the next month. So they put the {$680.00} in escrow saying we are behind on our mortgage. We pay them every month! I had made arrangements with them that I needed to pay on the XXXX of each month due to how I get paid. They agreed at first but every 2 to 3 months it goes back to the XXXX its due. So once again I have to call on it. This has happened several times. The raise in our mortgage never should of been raised in the first place. I also had told them that right before the Covid hit I had a severe XXXX that put me out of work for a while, u til I could recover. However, the mortgage still got paid every month. So in my case it was a double hit on my health. I was sent to a recovery hospital where I had to learn to walk again. But like I said mortgage was always paid. May of been late some times but paid - Recently they sent us a certified letter saying Notice of pre foreclosure options. Why?! The letter didnt even state why or what it was in regards to. Just a letter of foreclosure options. As if we didnt already have enough to worry about! This company wont stop! Our mortgage never should of been raised over {$400.00} a month for a {$120.00} tax raise that is per year! Please help thank you. XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This is regarding our bank, Chase, and bank fraud resolution on claims we have filed. We have a Chase business checking account. Two checks were fraudulently endorsed and cashed through XXXX in XX/XX/XXXX. I filed 2 claims through Chase in XX/XX/XXXX. XXXX processed one claim in XXXX and one in XXXX. They have issued cashiers checks to Chase, one of which was cashed by Chase in XX/XX/XXXX. It is XXXX, and our bank account has not been funded. 

When I call Chase claim department about the payment, Chase state they : haven't received the funds, state they email claim inquiries to XXXX but XXXX doesn't response, don't attempt to reach out to XXXX to inquire about the cashiers checks, don't attempt to ensure they are contacting the correct XXXX dept, state they don't use the phone to call XXXX - all correspondence is electronic and refuse to give me any additional information. And, I'm not allowed to talk to anyone higher up than a claims escalation representative whom can only inquire via email to the " back office ''. 

When I talk to XXXX, they state they have responded to Chase and have notified them of the mailed cashiers checks. They refuse to talk more to me about our funds because I'm not named executrix?!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : Im responding to your letter. This is the first piece of correspondence Ive received from you on this matter. 

I believe I do not owe your firm what you say I owe, and I request that you please provide me with the following : tell me what I owe money for illustrate how your firm calculated the total amount in question. 
provide me with any copies of signed documents showing that I agreed to pay what you firm claims I owe. 
show me that you are licensed in GA, and give me your license number. 
stop contacting me about this matter, or any other you have, except to provide me with proof that I owe what you say I owe. 

I request that the company that you say I owe money to be sent a copy of this dispute, so that they do not report this on my credit report. I further expect that if you already reported me to a credit bureau, you notify them that I have not and do not agree with this debt in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Late payment reported between me and lender XXXX XXXX XXXX. Late payment date XX/XX/XXXX, and XX/XX/XXXX. I asked company to send correspondence company sent nothing just reported late payments.

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 2023-09-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian is selling my information and as a result I have unauthorized inquiries listed on my consumer report. This is a violation of Privacy and Identity. Per FCRA 15 USC 1681 ( C ) ( 3 ) Permissible Purpose- ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. EXPERIAN MUST DELETE LISTED INQUIRE OR PAY UP TO {$1000.00} PER VIOLATION. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general-Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Collection purpose. This inquiry is scheduled to continue on record until XX/XX/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 2023-09-10
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting 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 # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for XXXX purpose.

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 2023-05-05
Company: CITIBANK, N.A.
State: CA
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 am in possession of the documents submitted by Macys as proof that I obtained credit from them. They did not provide anything with my signature and nothing showing they verified my identity. They did not provide any proof that I consented to their company sharing my private and personal information with a third party, including credit reporting agencies. Please provide SIGNED DOCUMENTATION of this consent to share private information with third parties or assume you do not have any. The consent must be signed separately from the lease per federal law. At this point I have made multiple attempts for this company to cease sharing all personal and private information with ANY AND ALL THIRD PARTIES, INCLUDING CREDIT REPORTING AGENCIES AND THEY HAVE NOT COMPLIED TO FEDERAL LAW. According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. So far none of this has been provided. It is my right as a consumer and they are refusing to cooperate in good faith. None of which has been provided.

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 2023-06-16
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 implore you to take action and remove these fraudulent accounts from my credit report immediately.

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