BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-12
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: Card was charged for something you did not purchase with the card

Complaint:
Received text messages on XXXX XXXX and XXXX XXXX from Chase Fraud indicating possible fraudulent charges on my Chase Southwest Visa ( XXXX ) at XXXX XXXX for {$210.00} and on my Chase XXXX XXXX XXXX XXXX ) at XXXX online for {$590.00}. Called Chase Fraud Department today, XX/XX/XXXX, and spoke with XXXX ( sp? ). The connection was so poor I could only understand 50 % of what she said. I asked for an alternative communication method, either email or chat, she indicated neither was available. I did not make either of these charges and I believe she verified that but can not confirm. I asked that she terminate both accounts immediately but can not confirm. I believe Chase has had a major data breach of card account information and would ask that you seek verification of this. Companies that hold our financial data need to be held to a very high standard. To not offer alternative means of communication is unbelievable in this current environment. Companies should offer the consumer a communication mechanism that can be documented on the consumer 's end not just the company 's end. Request CFPB verify that I have not been charged with these fraudulent charges and that my accounts have been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient has been in trouble for obscuring verifiable student loan repayment information before. They also have a ongoing practice of " losing '' or " misidentifying '' submitted materials. I submitted information for an Income Based Repayment schedule. They conveniently " lost it. '' I called to direct them to the material in their hands/system. They confirmed ONLY WHEN I CALLED that it was their mistake and I had submitted the paperwork. They then " kindly '' put me on a two month forbearance while they " fixed '' the problem and processed the paperwork they already had in their hands. I will be accruing interest on my loan during that period. This is regular practice for Navient. I have never submitted materials they did not somehow " lose '' or " misplace '' or " misidentify. '' They consistently offer a forbearance and giving their clients no option but to accept it as they process work they could have already completed. 

Someone needs to audit Navient and affirm that they have not made it a policy to delay processing of loan repayment paperwork. In my experience this has happened multiple times. It can not be a coincidence. If it is a coincidence then the Federal Government needs to rethink their connection with Navient until the company can either improve upon their blatant incompetence or comply with federal student loan policy. It appears that no one is policing them, even after their issues last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: URS Holding, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
They call and ask for my personal information but will not tell me specifically what the call is in reference to beforehand or identify the account or company they are calling on behalf of - sometimes trying to get me to reveal my information in order to find out what the call is about. They sometimes leave messages that they will be taking legal action if I do not contact them by the end of the day. On occasion when I answer the call they make threatening statements and use intimidation tactics in an attempt to instill fear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: HI
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: CCF Intermediate Holdings LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The same criminal acts by some person or persons NOT known to me at all in attempting or already attempted in getting a loan and/or credit by falsely using my name and identity. 
I would like to have the Federal Bureau of Investigations ( FBI ) involved with investigations by the CFPB. 
I have submitted a letter by an attorney for XXXX XXXX XXXX as my proof of this complaint.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: PulteGroup, Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
OnXX/XX/XXXX, I signed to purchase my home. Prior to signing I inquired about the process because I have graduate student loans. I was told they would not be an issue. I applied with Pulte mortgage and was denied. 

After my denial, I talked to other mortgage lenders and obtained a pre-approval. I was then advised that because I am not using Pulte Mortgage I had to pay the closing costs. 

As an attorney, I researched the issue. I believe the financial incentive allowed for Pulte mortgage is contrary to what the CFPB has said. The idea was to protect consumers and place all lenders on an even playing field to protect from a housing crisis like what occurred in XX/XX/XXXX-XX/XX/XXXX. It is my belief the incentive offered to use their preferred lender is in violation of rules set by the CFPB. I talked to the sales consultant and was told that is their policy. I spoke to the consultant 's manager and was advised the same. I received a call from a Pulte mortgage person and was advised they will look into the issue. 

The acts of Pulte Builder offering incentive to use their preferred lender is unfair to other lenders and offers an unfair advantage to their lender at the detriment of consumers.

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 2023-07-04
Company: M&T BANK CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am making this complaint because the bank said my mortgage insurance was removed effectiveXX/XX/XXXX. However, the bank still made me pay for mortgage insurance in XXXX because they said it takes 30 days to process the removal. I've never heard of that before, nor was that ever disclosed to me. Why am I still paying for mortgage insurance in XXXX if it isn't there?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a follow up to Wells Fargo response to XXXX. They did not accurately reconcile my account. They have misapplied payments and stating the wrong dates for outstanding amounts. This plays into the Loan Modification  in progress because they state I owe $ XXXX and that is not accurate. They are offering a loan modification based on erroneous information, increasing my payments along with the interest rate. Based upon documents attached and noted in the petition they Filed and the Bankruptcy records, the initial amount I owed was {$21000.00}. I paid {$12000.00} and {$9400.00} was included in the Chapter XXXX, which has now been converted to Chapter XXXX. Then beginning XX/XX/XXXX, I begin making monthly payments all through XX/XX/XXXX. Some of the amounts paid were based upon the monthly payment amount due and provided by the Tellers, when making my payments at the Branch office and some were partial payments. The trustee paid approx. $ 2K+ before I converted to Chapter XXXX and I do not see record on that in the Activity Statement they provided. At best, I owe the {$7400.00} ( originally included in the BK minus what was paid by the trustee ). That amount is specifically for the months of XX/XX/XXXX- XX/XX/XXXX, which is critical since the payment amount changed at some point. I want CFPB to take further action on this. I keep filing complaints and they are not handling this appropriately. They don't try to speak with me and always call during work hours. I'm tired of dealing with them and their incompetence.

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 2021-03-26
Company: E*TRADE BANK
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received 3 checkbooks from E-Trade and I never opened an account with E-trade. I recently opened an account with a different company ( XXXX XXXX savings ) but have never opened an E-trade account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: WELLS FARGO & COMPANY
State: MS
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:
In XXXX, 2018, I agreed for Wells Fargo Bank to close my debit visa card due to a fradulent transaction. I was issued a new debt visa card 1 week later. I did not give any companies my new debit visa card information. On XX/XX/2018, XXXX charged the old card for a reoccuring payment and the charge went through on my account although I did not supply the new card information. When I went to the XXXX account as well as the Wells Fargo account, they both reflected the number of the old debt visa card that was closed. When I called Wells Fargo, they said it was a XXXX issue due to it being an agreement with XXXX and the XXXX. When I called XXXX, they said that I needed to contact Wells Fargo because they were the ones who allowed the old card number to be charged to prevent an interruption in my XXXX service. In the past, if a debt visa card was cancelled/closed, the merchant would be unable to charge my account and I would have to update and give the new card information if I wanted to continue the service. I am gravely concerned about my protection against fraud if merchants can still receive payment on my checking account with use of a closed/cancelled debt XXXX card. Wells Fargo nor XXXX would give me an option to prevent this from happening. I have therefore cancelled my new debit XXXX card out of concern.

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 2017-08-17
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Sychrony Bank has bought 4 of my credit cards. They have systematically gone through and dropped my credit card balance on each making my card maxed out, which they were not. On most I did n't even have half the amount of my available balance charged. This lowered my credit score time and again. I have been going through and closing accounts to prevent this from happening further. Because they had negatively affected my score with all the balance drops it helped not hurt me.Usually that is a bad practice but when you have a 5k credit card they drop to 4k, then you pay {$1500.00} to make your balance half of your available balance and they drop it again to {$1400.00} to look like your maxing out your cards, closing them is the only way to keep the limit consistent.Unfortunately they have caused my score to drop over 100 points. As I have been rebuilding my credit they are now attacking my 2 last cards. They just charged me {$880.00} in interest charges in 1 month, which they increased my interest on that card and have now shown me {$400.00} over my credit limit although, I have n't made a purchase since XXXX 2016 and have never been late on a payment. This again has dropped my credit score by 40 points, limited my ability to get credit. I have proof of all of this. It is predatory in nature and I want to sue them for damages. I just reached out to a consumer protection agency and am contacting an attorney. It 's sad these bank do this, many times it people who are rebuilding or with fair to good credit as we are the easy targets. They continue these practices to jack up interest charges and get higher fees. It is also Why they purchase multiple cards. I had a long standing credit history with Old Navy, Lowes, TJX ( Marshalls/TJ Maxx ) and XXXX XXXX. The 1st 3 with no late payments and nearly 10 years history.

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 2020-07-27
Company: ALLY FINANCIAL INC.
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: Investigation took more than 30 days

Complaint:
I have a car loan with Ally Financial bank ... I have been a customer with them since XXXX I have always made my car loan payments on time but I went threw a financial hardship in XXXX when I lost my job and I was unable to make my payments on time, Although I wasn't able to make it on time, I still made sure to make my payments ... I also have a few late payments in early XXXX, I lost my job again but decided to drive for XXXX till I find a better paying job.. At the time that was my only source of income trying to maintain all my bills and my XXXX XXXX XXXX financials. I am currently now working with XXXX receiving much better income enough to pay all of my bills ... There is no reason for me to be late anymore ... As of XX/XX/XXXX all of my payments have been on time. I purchased my vehicle for {$20000.00} ... Although I went threw a financial hardship. I am almost done paying my car off.. I only owe {$9000.00} I am really trying my best to do right by continuing my payments on time to maintain a great credit score ... All my credit cards and other accounts are paid on time. I just had problems with my car payments and am asking for a second chance to remove these late payments because they are hurting me mentally and financially.

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 2021-02-01
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I do not have a contract with SANTANDER CONSUMER USA. I found out from the credit reporting bureaus XXXXXXXX, XXXX and XXXX that there was a negative account under " SANTANDER CONSUMER USA '' under account number XXXX. SANTANDER CONSUMER USA has failed to provide any legal validation or a letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have sent several letters, including notarized formal validation letters seeking this verification and to this date SANTANDER CONSUMER USA has failed to provide the information requested. SANTANDER CONSUMER USA is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue isn't resolved immediately. SANTANDER CONSUMER USA has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that SANTANDER CONSUMER USA has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that SANTANDER CONSUMER USA currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither SANTANDER CONSUMER USA possesses adequate documentation to collect this alleged debt. Until the above referenced documentation is provided, the undersigned 's position is that this debt does not exist and a reporting error has occurred. Finally, unless this documentation can be provided, SANTANDER CONSUMER USA shall immediately remove this account from all three ( 3 ) credit reports and shall be subject to any and all costs, including attorneys fees, should I pursue this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Bread Financial Holdings, Inc.
State: DC
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:
CONTACTED THE COMPANY NUMEROUS TIMES TO GET THIS ERROR UPDATED. Its reporting twice on my credit report. I have paid and settled this account but its still reporting monthly as a charge off, and its listed on my credit report twice. When I call they inform me when they switched from regular cards to chipped cards it ended up reporting twice on my report. I would like this removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, this is a follow up on complaint XXXX, which I have been unable to successfully resolve. Specifically, in my previous complaint I had asked my servicer University Accounting Service ( UAS ) for documentation showing that the listed lender " XXXX   XXXX  XXXX  '' ( XXXX ) was the current legal owner of my student loan debt. I asked this because 1 ) the provided master promissory note does not mention this lender in any way, and 2 ) there was no listed contact, webpage, or any searchable online presence of this lender that would allow me to contact the lender and ask for proof of ownership, and 3 ) I have had a number of issues already with this particular loan that have led me to question its validity ( please see complaints XXXX, XXXX, and XXXX ). 

As a response to my previous complaint XXXX, UAS provided contact information ( including email and telephone number ) for the person they have listed as the chief financial officer for XXXX, Mr. XXXX XXXX ( see attached response letter ). Since then, I have emailed Mr. XXXX on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, see attached for copies of emails ) politely requesting that Mr. XXXX provide documentation that he or his company are the current legal owners of this debt. I also had a phone conversation with Mr. XXXX on XX/XX/XXXX in which Mr. XXXX explained to me that XXXX had acquired the loan from the original lender years ago, but he did not say that he was willing to provide proof that he or an active organization in his name currently legally owned the debt. 

I think that it is within my rights as a borrower to confirm that the student debt I owe is legitimate. In this case, I think that it is fair at the very minimum to ask that either UAS or Mr. XXXX provide documentation showing that 1 ) XXXX  is an active lending organization ( I can not find any website or contact info for it online ) and 2 ) that Mr. XXXX or an active organization he runs bought this student loan from the original lender ( ie, establishing chain of title ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was promised a bonus of {$300.00} when opening a checking account. I completed all terms required to get the bonus. The maximum time frame of 120 days to post the bonus has also passed since completing all the terms. 

Checking Account opened on XXXX XXXX. 
All Terms completed on XXXX XXXX

Company response to consumer: Closed with monetary relief