BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Citibank took over my mortgage from XXXX XXXX XXXX on XX/XX/XXXX Title Document Plymouth Registry of Deeds. Document # XXXX. 
Loan # XXXX Amount {$100000.00} 15 year Fixed Citibank sold the mortgage to XXXX XXXX in XXXX Loan # XXXX Mortgage balance with XXXX XXXX is under {$25000.00} While applying fro a home Equity loan recently, I was made aware that Citibank never release the lien on my property when they transferred to mortgage to XXXX XXXX I have made several calls to Citi bank. I have emailed lean.release@citi.com and gotten no help or response The folks at XXXX XXXX, even though they should have caught this, just refer me back to Citibank. 

Meanwhile I can not do my home improvements and the rates are going up. My HELOC has been approved, but I can not move forward until this lien is released. 

I have my hands tied by a bank no longer in this business. 

PLEASE HELP! 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA. 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 2021-06-18
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
Alright, I am aware covid restrictions have been lifted. I sent this mail on XX/XX/2021 to all three credit bureau 's AND still no response other than we are working on it from these bureaus. I put in a CFPB complaint when they didn't respond to me after 30 days. Now this was has been far longer than 45 days and still no resolution. FCRA 15 USC 1681i in that very first paragraph states 30 days for investigation and 15 days for an extension. It's been 48 days! The law says if the items can not be verified within 30 days the investigation can not be more than 30 days. Clearly, there has been trouble finding the information required because it was never sent to me by the company! It was never sent to me which violated 15 USC 1666b ( a ). Now this is violating 15 USC 1681i ( 5 ) ( A ) and the treatment of unverified information after 30 days must be modified or promptly deleted. So can I please have these false late payments be modified to paid as agreed pursuant to law. These are written instructions I am giving to the credit bureaus according to 15 USC 1681b ( 2 ) and that law states there should be no consumer reports furnished without my written instructions. At this point, I feel like I am the only one reading this law. Please help and correct this fraudulent information. It's been 48 days. I am tired. This is extremely unfair and from my understanding, unlawful. I plan to go to the XXXX  and the Attorney General next.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Experian Information Solutions Inc.
State: NV
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:
XXXXt XX/XX/2006 XXXX $ XXXX  XX/XX/2006 XXXX  $ School closed down, paid in full, still being reported as 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 2023-08-08
Company: OneMain Finance Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Federal Law Violated I was targeted by OneMain due to being low income, XXXX and XXXX XXXX People in certain zip codes. Were targeted by this company by their own admission and no one is willing to bring these people to justice There are federal laws designed to protect borrowers, like the Equal Credit Opportunity Act ( ECOA ). The ECOA makes it illegal for lenders to impose higher interest rates or fees based on a persons race, color, religion, sex, age, marital status or national origin.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Affirm Holdings, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started to place an order online through the XXXX  website with guidance from an agent on a chat ( transcript attached ). The agent made mistakes on the order and promised the order would be canceled. You can see this on line XXXX from the bottom of the transcript. I started to get bills from Affirm ( they would have financed the phone if the order was not canceled ). I had a second chat with XXXX  which I unfortunately did not save/print where an agent said he was expediting the issue and it would be resolved. It never was so I contacted XXXX  a third time and was told to take the issue up with Affirm. I filed an appeal with Affirm but they refused to cancel the order without documentation from XXXX. I finally filed a XXXX  complaint. XXXX XXXX from XXXX  called and sent an email with a so-called signature verification form from XXXX. It does not have a signature or an address. XXXX XXXX refused to contact XXXX  for this information. She also refused to provide a copy of an order showing what was ordered, the date, and the address. The so-called signature verification states I signed for the order, but I was in XXXX XXXX XXXX XXXX XXXX XXXX date when the phone was signed for. XXXX XXXX says I need to file a police report and take the issue up with Affirm. This has been an enormous inconvenience and is probably damaging to my credit. Visible clearly promised to cancel the order, made serious mistakes, and should bear responsibility for correcting the issue showing the order was placed, where it was delivered, and who signed for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received multiple refinancing letters through mail from different entities. I decided to call  Chase  my current  Mortgagee  and started the loan process. But to get started they charge me a {$500.00 } Good f aith estimate that will be applied towards the Closing Cost. I provided the loa n officer with a ll documentations on the day same day we lock the rate of the loan for 60 Days. Appraisal of the my how was done with in a couple of weeks and came back at  XXXX   LTV. w hich means the loan to the value is about half. I contact my loan officer and said everything was fine. Then i get a call about a couple of thing that i need to provide for current information. Two weeks before the closing i try to contact lo oan officer  through voice and email. I would get emails back will call you back this after noon, but ofcourse never received the call. It has been over the 60 days and do not know what i need to do. I decided to dispute the charge on my Debit card and guess what? it is a debit card from chase and can not dispute the charge. I call this a ponzi scheme. The person had told me that is a billing department issue and i am just getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Parkway Financial Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX servicer granted us a forbearance because of our toddlers large medical needs and recent XXXX  which also happened to be during covid 19 ( my husband was out of work as well ) and said they would put the amount to the back of the loan. Over the past week, they have been trying to demand the forbearance in full because they say the loan carrier inspire home loans said its either we pay full or nothing. I have supporting documentation that states we can resume our regular payment on XX/XX/2023. They accepted a payment in XXXX {$1400.00}. Over the month, we have been trying to set up a REPAYMENT plan now that our forbearance has ended. Since they will not place it on the back of the loan like they initially told us they would. We can pay our standard {$1500.00} a month plus an extra {$1000.00} a month for a total of {$2500.00} for 12 months. And have seen no results.. inspire home loans said they need to speak to their legal team about repayment plans, ( they are trying to say {$4000.00} if they get the ok from their legal team a month even thought we only owe XXXX in forbearance and it should be able to repay over a 12 month span ) and they cant risk putting the forbearance to the back of the loan even though our house is worth double the amount owed. Inspire home loans even had the nerve to transfer us to the foreclosure department, where they told us we werent in foreclosure.. & then a servicing manager asked for the forbearance documentation that I have because she couldnt access it herself because she said loan care was hanging up on her.. its been an absolute nightmare. 

I even offered to pay them {$4000.00} on XX/XX/XXXX. They would not take it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Too many fees on items

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 2023-01-06
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute on a purchase made on XX/XX/XXXX for XXXX} as the product does not receive. 
The dispute was denied due to Chase 's claim merchant providing sufficient tracking information. 
I filed an appeal and request the tracking information and proof of delivery. 
On XX/XX/XXXX Chase denied my appeal and favored the merchant without providing the tracking information and proof of delivery chase claims obtained from the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Showing loan under my name for fifth third bank which i never had vehicle with as we look up the vehicle the company don't ever own the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Last year, I purchased a car from XXXX XXXX XXXX in XXXX, GA. It had noticeable flaws like body damage, a lit check engine light, and engine noises. Despite these issues, I trusted XXXX XXXX promise to fix them after the purchase, and with my wife co-signing, I proceeded with the transaction. 

However, XXXX failed to fulfill his promises, providing excuses for the unresolved repairs during my multiple visits there. The car experienced persistent overheating and stalling issues, leading me to seek repairs from various mechanics. Despite spending thousands of dollars on repairs, the car 's problems persisted. 

Eventually, the head gasket blew. I later discovered that the car had 32 recalls, some related to overheating problems. I feel that I never should have been sold a car with that many recalls. 

My attempts to maintain the car 's functionality drained my finances and had a significant impact on my livelihood. As someone with limited income from XXXX and occasional XXXX XXXX I struggled to manage car payments, insurance, and repairs. This financial strain caused both my wife 's and my credit scores to drop, affecting our financial stability and personal lives. 

Hoping for a positive resolution, I appealed to Westlake Portfolio Management, the lienholder, for loan forgiveness and the removal of negative credit information. I explained that I had a letter with attached receipts serving as evidence of the recurring problems and the financial toll they took. I communicated the extent of my hardship and requested empathy and understanding, seeking relief and an opportunity to rebuild my life. 

Westlake instructed me to send the letter via certified mail, which I promptly did, receiving confirmation of its delivery. However, despite numerous calls, Westlake claimed not to have received it. They then suggested sending it via fax, which I did, but even after confirming its transmission, Westlake continued to deny receiving it.

Shortly afterward, they repossessed the car without attempting to respond to my letter and work out a solution. I feel they maneuvered to delay the process only to repossess the car, leaving me with the impression of their underhanded tactics. 

I appreciate whatever help you can give me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Newport Intermediate Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
In XX/XX/XXXX, I submitted a rebate offer from XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX, I received two prepaid Visa cards from North Lane Technologies. One was for {$4.00} and one was for {$6.00}. The cards were valid for one year, with an expiration date of XX/XX/XXXX. 

In XX/XX/XXXX, I tried to use the cards, only to find out there was only {$.00} balance on one and {$3.00} on the other.

In the fine print, North Lane charges a maintenance fee of {$3.00} after 6 months, wiping out 70 % of the balance. On XX/XX/XXXX, I called North Lane and requested they reconsider this policy and restore the small amount on my cards. I was met flatly with, No, its in our terms and conditions.

This is a terrible and deceptive practice to claw back money for absolutely no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: World Omni Financial Corp.
State: AL
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 XXXXXXXX XXXX XXXX XXXXXXXX, 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 an account without 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 2023-03-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Hello, I was reading an article that stated that if you had an auto loan with Wells Fargo Dealer services I may be entitled to a refund for over charges during my loan. 

My loan was from XX/XX/XXXX to XX/XX/XXXX. I tried calling Wells Fargo and was on hold for XXXX. So I also saw this option of contacting you. I pulled my credit report and did not see my Acct #. My last 4 of Social are XXXX. 

Thank you, 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 2023-08-17
Company: DISCOVER BANK
State: FL
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 existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried relentlessly to get in touch with this creditor. They are reporting that the car is repossessed when in fact it was traded in for another car. THey are also still showing a balance owed of XXXX and it should be at a balance of. The incorrect reporting is affecting my ability to obtain a mortgage

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 2023-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i did check my XXXX  i seen alot inquiries i didnt even authorize
capital one XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
capital one ato finance XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
capital one XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: National Credit Systems,Inc.
State: AL
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 have been a victim of fraud, Due to XXXX XXXX XXXX  making a false claim that a money order of {$220.00} for the rent deposit on an apartment came back insufficient funds. I sent off for the copy of the money order, and the copy showed where the money ordered was stamped and cashed on XX/XX/XXXX of XXXX. My credit report has been affected, due to the balance owed being falsely added to my credit report, even though XXXX XXXX was the primary lease holder for the apartment, and the judge ordered for him to be responsible for the payment of {$1400.00}. I have paid XXXX XXXX XXXX to remove the balance from my credit report, but the balance is still showing on my XXXX report. I disputed the XXXX account and sent in copies of proof and am waiting for a response. I will be contacting an attorney to represent me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Last week I signed on to my Chase Visa account. Before I could access my account, I first received two agreements that have to be signed to access the account. The first agreement is 125 pages long, the second 10 pages long. As a long time Chase Visa account holder who has relied on internet access to check on my account, I found the 125 page agreement customer-unfriendly ( to say the least ). Im supposed to sign 125 page document from a bank to access an account Ive accessed for years? A bank document no less, fraught with fine print and who knows what liabilities? I called Visa and spoke with 4 different representatives. I learned this is a standard '' update. Yes, but never before has such an agreement been close to this long and so customer-unfriendly, and what exactly am I signing without carefully combing through a 125 page bank agreement? They told me I can continue to receive monthly statements by mail. Yes, but one of the reasons internet access is so vital is to monitor the charges which, experience proves, occasionally are fraudulent. They told me that I can continue to do so with the monthly mail statements. I told them that Id rather take the time to contact the appropriate oversight agencies to complain rather than read a 125 page agreement. Therefore I turn to you. Finally, I asked if they are receiving similar complaints from other customers. Indeed they are. I am now their ombudsman. Please look into this and report back to me. Thank you.

Company response to consumer: Closed with explanation