BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: JPMORGAN CHASE & CO.
State: DE
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:
Im writing to Dispute a Billing Error in the full statement balance of {$1100.00}. Reasons as follows : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 



15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 



18 U.S. Code 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

Im requesting a full refund. The obligation again has already been paid by the United States. Please send check to address on this letter. 


Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Im a veteran with a VA loan. My mortgage has recently been transferred from XXXX XXXX to Mr Cooper at the end of XXXX. Meanwhile I sent XXXX mortgage payment to XXXX XXXX on XX/XX/XXXX as I only became aware of this transfer after I submitted the payment. So far Mr Cooper hasnt been helpful even though I provided bank statements and mortgage statements from commerce that XXXX payment has been made. Recently they threatened me to report credit bureaus. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello! My problem is with Wells Fargo Mortgage ( WFM ). They illegally changed my Adjustable Rate Mortgage ( ARM ) to a 30 year fixed Mortgage. Ignoring the terms of the original contract. Which over the life of the loan will cost me an additional $ XXXX- {$50000.00}. I have contacted them many, many times about the illegal transaction but they refuse to reinstate the contract to it's original terms. I contacted the Washington state Attorney General and because of that ( WFM ) made me a counter offer but did not reinstate the contract to it's original conditions. Also in the counter offer contradicted the original contract terms. At this point i think they are writing these contracts with the terms they want and are getting farther and farther away from the original contract. My loan was a small loan but on a larger loan this could be a very lucrative mistake! For ( WFM ). But what really scares me is there are millions of ( ARM ) loans written every year, how many of those have the same problems as mine and are not being corrected? Thank you very much for the 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 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My identity has been compromised years ago and that hardship is still haunting me, I have many unidentifiable accounts on my report unknown and unauthorized. And as a consumer protected by the laws of the FCRA, I'm asking that these accounts be investigated and blocked. I will also like a detailed Method of Verification pending your investigation. A credit reporting agency should not report fraudulent accounts, accounts that have not been certified by physical documentation, no reputable credit reporting agency shall relay on old and outdated technology by electronic Verification. I'm demanding the removal and blocking of the following accounts 1 ) XXXX XXXX  {$2300.00} 2 ) XXXX XXXX XXXX  {$1100.00} 3 ) XXXX XXXX XXXX  {$400.00} 4 ) XXXX XXXX  {$1800.00} 5 ) XXXX  - {$250.00} 6 ) XXXX {$2100.00} 7 ) XXXX XXXX XXXX {$800.00} 8 ) XXXX {$2500.00} 9 ) XXXX  XXXX XXXX {$1300.00} 10 ) XXXX XXXX XXXX $ XXXX 11 ) XXXX XXXX XXXX  {$700.00} 12 ) Chapter 7 Bankrupty 13 ) XXXX XXXX {$200000.00} 14 ) XXXX XXXX 15 ) XXXX XXXX XXXX  {$2100.00} 16 ) XXXX XXXX {$28000.00} 17 ) XXXX XXXX  18 ) XXXX/Dept of Education 19 ) XXXX XXXX XXXX 20 ) XXXX XXXX x17

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 2019-04-03
Company: EQUIFAX, INC.
State: OH
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 two account that I do not recall doing any business with that are showing on my credit report.XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX. This is not the first time I have had this issue. Please forward me a copy of a contract or some paperwork with my written signature on it! Once again request that the credit bureau collect and forward the formal validation within the next 30 days of receipt of this request. Please included any supplemental materials which verify that the account is factual. I would like to see a little more than a summary one-sheet. Instead, I have demanded a substantive validation according to the FCRA. If the credit bureaus cant find it in a reasonable period, any data disseminated from credit reporting agencies must be considered counterfactual.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
UTTERLY disgusted with how Bank of America chooses to do business! There was a fraudulent charge on my account SATURDAY XX/XX/XXXX. Today is now MONDAY XX/XX/XXXX and the money was barely returned SUNDAY XX/XX/XXXX. MY MONEY has been withheld from me for 8 DAYS! This is completely unacceptable and disappointing. I 've called 10 times and everyone has been giving me the run around. I 'm going to make sure I tell all my friends and family about my awful experience with this company!

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 2019-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAPITAL ONE BANK USA N with no successful resolution. XXXX, XXXX, and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have found a report on my credit from a PCS Collections, I have never heard about this company and I have no knowledge of why they placed a collection on my credit. Frankly I don't know what this debt is for. I have pulled up reports on the XXXX and found that they appear to be a fraudulent company involved in debt scams and work through evasion and scare tactics. I am not afraid, but I do not know what to do. I want nothing to do with a dishonest scammer company. I have no knowledge or information of anything from them except for the reporting on my credit. The reporting itself is vague as it does not provide any detail for what it is for or from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: EQUIFAX, INC.
State: VA
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:
The following accounts are requested to be removed and blocked from my credit file. These accounts are not accurate nor has they been properly verified. No company as a credit reporting agency shall on electronic Verification. I'm demanding that Equifax either provide me with certified physical documentation of these accounts or as stated with the laws of the FCRA these accounts shall be removed immediately 1 ) XXXX/XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX  XXXX XXXX {$1200.00} 4 ) XXXX XXXX XXXX 5 ) XXXX/ XXXX XXXX XXXX 6 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
1. Although I have along with my complaint, asked of XXXX to remove and stop billing me for the property taxes, it refused to. Instead, it instructs me to send a letter requesting the removal of the escrow account. I do not need them to remove the escrow account, because other fees may apply to it. My request is for Ocwen to stop billing me for my property taxes and to refund the amount it has billed and received. I will pay my taxes on my own. Ocwen overbills my account and always has more that was is owed to the tax collector in my account. Ocwen should not be earning interest on my money. 

2. I was told by XXXX XXXX XXXX that I had a Ballon payment. Therefore, I began to pay extra money toward the Balloon amount. I asked Ocwen to tell me if the Balloon amount is the same as Deferred amount but it never responded to that question. If the Deferred amount is not the Balloon payment, I want all extra payments made toward the principal, to be credited to the Balloon Payment that is due at the end of the loan period. 

3. Ocwen claims that on XXXX XXXX, 2017, it refunded {$680.00} but never provide me with a canceled check nor did it include interest earned for the said refund.

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 2019-07-19
Company: Mr. Cooper Group Inc.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2005, I purchased my home through XXXX XXXX XXXX  at the age of XXXX. I received a good faith estimate from one of their reps, XXXX XXXX stating that my mortgage would be {$1200.00} with a fixed interest rate. When I went to closing, the mortgage was triple that amount with a very high interest rate and a 2nd mortgage company was listed throughout the paper work with an even higher interest rate. Initially, I denied the purchase because of the false information I had received. After 3 of the members at the table, along with my realestate agent, informed me that I could always refinance, I decided to proceed. It's been 14 years since I purchsed. My mortgage turned out to be an ARM and I've been denied the opportunity to refinance numerous times. The mortgage has been transfered numerous times and XXXX XXXX is now CLOSED. I've contacted Mr. Cooper for a reinstatement balance including lawyer fees, NO CALL BACK. I requested refinance options, NOTHING. I left 2 messages within the past 3 days, NO CALL BACK ... Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
so I was trying to make a purchase with my debit card online and it was declined, I am aware that it would have been an overage but that is what my over draft protection is for I thought, I had to get a new account because my wallet got stolen and my acct and routing number was in there, and when I got this new acct my overdraft protection was apparently put the same as my old acct but with my old acct I could overdraft up to {$100.00} and it would still approve it without any problems.

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 2019-04-03
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2019 I was advised the bank was planning to block my account. I have gone into the bank branch and called their Consumer support line multiple times. 

The bank can not or will not tell me why they are going to block my account.

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 2019-07-19
Company: Bread Financial Holdings, Inc.
State: TX
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:
I have a loan with COMENITY BANK/XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and COMENITY BANK/XXXX with no successful resolution. XXXX, XXXX, and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid 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:
In 2017, Discover Cards started airing a promotion and still have a promotion on its Discover IT card, that states no late fee charged if a payment is missed. I saw this on the TV and called to confirmed the advertisement with a Customer Service representative that confirmed that it advertisement was accurate. I asked if this I could use it and it was affirmed that I could. I soon learnt the hard way that their advertisement was not accurate. Following using the purported information of the advertised promotion but line of credit was decreased. Immediately I called to inquire why my credit was reduced and I was told that it was due to missed payments. 
You see I have been a customer for over 17 years. For the past 5 years, I have been paying down my balance on the card. With a credit line of XXXX, my balance in 2017 was about {$6500.00} which I was looking to pay down. I was dismayed when I realized that they not only decreased by card from {$16000.00} to {$6500.00}. Following the decreased Discover card, representative started contacting me that my balance was close to my credit limit. What were they expecting? When an organization reduces a customer 's line of credit to a few hundreds close to what they owe obviously the balance due would be close to the available line of credit until the balance is paid down. 
I am requesting your assistance to have Discover Cards stop its false misrepresentation/ false advertising as it is not exactly what it confirmed to the customers. Also, Discover Ad is misleading and once a customer uses their deceptive ad they are charged late fees contrary to what the customer was made to understand would be the outcome. 
In addition, I am requesting that all the late fee charge be reversed. And, I should be put in a position I would have been should I have not used this promotion that stated no fee charge for missed payment. 

I can be contacted on at XXXX XXXX XXXX XXXX Thanks for your immediate assistant. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: NAVY FEDERAL CREDIT UNION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
To whom it may concern, On XXXX I visited Full Moon Restaurant in XXXX XXXX XXXX CA with spouse and spent a total of {$87.00}. {$71.00} food total ( receipt attached ) and a {$15.00} tip. 
A couple days later, I follow up on my credit card account and notice that an unauthorized purchase of {$140.00} from Full Moon along with my original purchase of {$87.00} ( {$71.00} food+ {$15.00} tip ). I called Navy Federal Credit Union and informed them of the situation of the unauthorized transaction of {$140.00} on XX/XX/XXXX. They informed me that they will be cancelling my, will be sending me a new credit card and refunding me the amount of {$140.00} for the unauthorized transaction. 

On XX/XX/XXXX, I check online and see that the credit of {$140.00} is posted in my account. Then on my XXXX statement ( XX/XX/XXXX ) I see an account adjustment for {$140.00}. I called XXXX XXXX to see what the issue was as I had previously thought the unauthorized charge was resolved. They informed me that the credit was reversed and that I would have to submit a dispute to resolve the matter. At this point I was confused what the issue was, so I ask the XXXX XXXX employee on the process since I was unfamiliar with disputing charges. The associate guided me through the process, and I submitted the request with the original receipt that they asked for. Around XXXX time, I receive a letter from XXXX XXXX regarding my dispute asking for additional documents, so I called them for clarification, and they stated that no action was needed and that they were still reviewing my dispute. Yesterday XX/XX/XXXX, I receive another letter from XXXX XXXX that my dispute was denied and to call them for any questions. 
My complaint is with Navy Federal Credit Union. I dont understand how they can not have handle an unauthorized charge. I called them immediately when I noticed the discrepancy and they assured me that it would be handled. They initially credited my account of the unauthorized charge and then take it back and ask me to file a dispute. I understand that they may need additional information which I provided but they are denying my dispute even though I provided them a receipt. 
I have attached the original receipt of food bill from Full Moon ( {$71.00} ), my XXXX credit card statement and screenshots of a XXXX conversation that my spouse was having with XXXX XXXX. They had informed her that they had a glitch that night of XX/XX/XXXX and that another person tab was charged on my card. I believe this to be the unauthorized charge of {$140.00}. 

Thank you for your attention on this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief