BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-08
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made a payment though XXXX on my Citi Bank App on XX/XX/XXXX of {$1600.00}. Unfortunately, that payment went to the wrong person. The number had one of the digits wrong and was received by the wrong person. I made the transaction before XXXX XXXX and didn't find out until later that evening. The person that was supposed to get the money called me asking if I sent the money. That's when I realized the money was linked to the wrong person on accident. At that moment I was fine and called customer service right away. When I called, the lady I spoke to said that it was too late to reverse the claim. They transferred me to the fraud department to start a claim. The person I spoke to at the fraud department basically told me that the only way for me to get it was by having that person return my money back. To me, that sounded absurd so I asked how come they wouldn't do that instead of asking me to do it myself. The lady basically said they will try within 45 calendar days. At that point I freaked out so I decided to call the lady after I was done speaking to the fraud department. After numerous attempts and dialing from different numbers, the lady finally answered. When I spoke to her she kept saying that I was trying to scam her. She also stated that such money was already gone from her account and she also wanted to speak to her family to she how she should proceed with this. I was on the phone with her for over 30 minutes, explaining to her and asking her to please send it back to me. Once I mentioned law enforcement, she hung up and never answered her phone again. I tried to file a police report after that call and they basically said they couldn't do it because she wasn't doing anything illegal. I explained that she knows that money isn't hers and she's still not giving it back so that's pretty much stealing knowingly. They denied me the police report and at this point I'm blown away. I kept calling customer service to check on the status of my claim and they kept on telling me to wait, that I would receive a letter in the mail. Tuesday XX/XX/XXXX, my account was credited and refunded. I was happy but that happiness didn't last long enough. The following day the money was taken away again and was told that my money was gone and that they weren't able to get the money back from that person 's bank account and I had to pay for it. To this day, I've complained, written letters and spoken to different managers and it still hasn't been resolved. I need help to get that money back. Please..

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 2018-08-27
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2018, I placed an order for a book on XXXX XXXXInitially the book was not delivered. However, it was later found and delivered. At which time I realized that it was the wrong book. In such case, the book was sent back and received by XXXX. The problem so far has been about receiving back the prize that was paid for the book. I paid the sum of {$120.00} for the book and it was charged to my XXXX credit card. However, after having returned the book. My account was credited with only {$16.00}. Leaving my account short {$100.00}. After having contacted XXXX about the discrepancy, I feel I am being given the run around. I received a reply e-mail that states that it would take sixty days to investigate something so obvious. In such case, I called their customer service and I was told it was an issue with XXXX not the bank. However, from my perspective as their customers it makes no difference to me. Plus the purchase was paid for with an XXXX credit card.

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 2019-09-02
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Starting in the summer of XXXX, I started repaying Sallie Mae. At the time, I was making {$1200.00} per month and Sallie Mae asked for {$800.00} per month. I paid it, but I called and tried to ask ask for lower more feasible amount. They threatened and tried to intimidate me by saying that they can make things worse for me and would never help me. I knew then that Sallie Mae was unscrupulous and feckless. A year later, I began XXXX XXXX  and my loans were deferred. I left that educational experience two years later and contacted Sallie Mae and they said no payments were do. For some reason, they did not contact me for another two years. By then a mass amount of money was accrued. My {$90000.00} became {$150000.00}. In XXXX, my battles with Sallie Mae which is now Navient became a constant in my life. Every 6 months to 12 months, they would change the payment rate or increase the interest rate. I would call them on these issues and they would say " Its at our discretion '' " We can change the amount anytime we want '' " We will take your house and other belongings '' " You should borrow the money '' It was disgusting. I asked for my promissory note or contract with Sallie Mae and Navient would not send it for 4-5 years. When I finally received it I realized that they had my father listed as a cosigner. Now I made sure several times I did not have a cosigner. In fact, the company said my father was ineligible to be a cosigner. Navient sent me falsified, vague documents and can not keep up their several lies. Recently, Navient has increased my payments to {$1300.00} per month. I am not working and I am full time student. Even if I had a job, I would not pay that insane amount of money per month. I tried to have my father released as cosigner, but they refuse. When I meet all the criteria to have my cosigners released. My father has XXXX XXXX and can no longer work. My mother has four XXXX XXXX   and can no longer work. However, they are so quick to say " I don't care '' " Thats your problem ''. When in fact it should have never been a problem. I never signed on with cosigners. I do not want to pay them anymore. I can not trust them to apply necessary payments. I can not trust them not come up with some large monthly amount that will beggar me more. They have said racist, elitist, and all around cruel statements to me when I needed assistance or when I could prove they were wrong. Navient is a feckless, lying company who does not care about the consumer. They want to destroy people 's futures or at best hold them back. They come up with copious amounts on whey they can not assist or treat the consumer fairly. 

Accounts : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions Inc.
State: PR
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 called Experian to dispute this account on XXXX they told me that they can not 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 2019-09-02
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX as of yesterday reports monthly on my XXXX  report that I owe them XXXX now they send me mail, bills and letters stating I owe from a Victoria Secrete Credit Card. XXXX XXXX is also playing on my XXXX  also as world Financial Bank. I have told them over and over I never had a Victoria Credit Card. They have a statement with a bill on it to say it mine and the person on the statement has an address of XXXX XXXX XXXX XXXX, CT. Since I made a few complaints they call daily, they send me bills and statements and now they Harass me by reporting monthly and only on my XXXX report. The other who credit reporting agencies have deleted XXXX XXXX. XXXX will not prove or give me a chance after one time of disputing so therefore XXXX XXXX has the free will be report what they want on my credit. Please look into this. I feel as though this is my last attempt to argue this as they are violating my rights and if this can not and will not be removed. An Attorney is their next best argument.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Original Request for Loan Modification : XX/XX/XXXX. For loan # XXXX. 

I complied with all Carringtons request for documentation. I sent materials requested by Regular Mail, by XXXX XXXX, and by Fax. Each time I would be infomed that some part of the documentation was. Not received or missing this occurred on a bi monthly basis. 
I was asked to repeatedly send in the following documents : two months Social Security statements, Proof of Rental Incone, Tax Return, Business Tax letter of explanation, Form 4506t, Bank Statements with my name circled, Request for Mortgage Assistance, Paper Statement of Bank Account, Profit and Loss Statement. 

These are the individuals I have spoken with over the past year : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These are the dates in which I have supplied the requested documents beginning : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All these requests and returns were sent in XX/XX/XXXX The pattern continued for the year XX/XX/XXXX. Requests and dates sent XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, As you can see, I have been exceptionally diligent only to be given the royal run around Please investigate this recalcitrance on the part of Carrington Mortgage so that some resolution is made Thank you for your kind attention

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
There was a fraudulent charge on my checking account. After contacting my bank, which I was put on hold for 30+ min., I was transferred to the Fruad department which told me to open a new account at a physical location. Upon visiting a location and opening a new checking account, I had called BofA back, another 30+ min hold, to be transferred to a fraud department telling me it was a different fraud department handling my case. On hold for an additional 30+ min, I finally reached the second fraud department that ensured by the next business day that the funds that are mine, would be transferred to the new account. It has been 4 business days and a weekend of time and the money is still not transferred for use. Very frustrating when you have bills to pay.

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 2019-09-02
Company: Advanced Collection Bureau, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im tryin to move! I cant move due to an apartment Ive becer lived in being on my credit report. I live in XXXX. The report is from XXXX. Ive disputed it! I have a twin sister name spelt similar, social is almost the same just one number different. Somehow our report was basically one. Ive talked to numerous amount of people tryin to get this resolved. Even disputed it only for them to tell me its mine now Im having to dispute it all over again! Im supposed to be moving in 3 weeks but wont be able to due to this being on mine. I need something done about this ASAP or Im a have to go about this another way! The lady from where they sent the report was flat out rude! Telling me she basically cant talk to me because its not my name on the apartment! Well if my name isnt on it why isnt it being removed off my report!! Makes no sense what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: FC HoldCo LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019, I went into XXXX XXXX in XXXX, Maryland with the intent on looking at cars for research purposes. After 30 minutes, the car salesman said, he would check to see if I qualify for the car we test drove. I specifically told the salesman " I just got my credit up and I wasn't to sure about running my credit. '' After 10 minutes he came to me and said that I was approved for the car. When I checked my credit I saw that my credit was ran almost 10 times without my approval. I was misled by deceptive marketing practices. Flagship Credit Acceptance company ran my credit through their system without my knowledge or approval.

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 2018-12-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo is consistently charging me overdraft fees for transactions that i have sufficient funds to cover in my checking account. Got charged $ XXXX for on XX/XX/18 for transactions that i had funds to cover in my account on XX/XX/2018

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 2019-09-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
LOAN # : XXXX LOAN : FHA I am writing you in regards to my mortgage that is wrongfully in foreclosure. 
Please note for the last couple of years Wells Fargo has been notified that my escrow account has been miscalculated since year XXXX to present and Wells Fargo has not attempt to recalculate my escrow account. 

I am also concerned about fees that was add to my escrow during this period ( XX/XX/XXXX year - XX/XX/XXXX ). 
Those fees should have been and should be reversed. 

I have provided this information to HUD, Wells Fargo, Consumer Bureau Financial Protection and to my Chapter XXXX attorney. 

I have been to local Wells Fargos and provided this information to the Manager and Loan Officers and a Real Estate Attorney ; they have agreed with me that my account is miscalculated. 

I have various news articles and have contacted attorneys with class action lawsuits about the Loan Modification miscalculation which is the cause of my loan being placed into foreclosure, a hardship and increase in my monthly mortgage payments. 

I am asking that you as the attorney investigate and compare Wells Fargo calculation in my escrow from XX/XX/XXXX year to XX/XX/XXXX my concern. I have attached my spreadsheet which reflect the correct balances currently. 

**As of XX/XX/XXXX, I do not owe Wells Fargo any money. 
Please see credits HUD FUNDS LEFT OVER - {$1800.00} and my Escrow has a credit of - {$2100.00} and the actual Principal is {$120000.00}. This is the balance that should have been reflected in my Chapter XXXX and calculated for my new mortgage payments because the loan was reamortized. 

I had to dismiss my Chapter XXXX because my attorney at the time and the Chapter XXXX Judge / Trustee explain that there was several miscalculation and my Chapter XXXX would not solve the miscalculation issues. I was told to contact Wells Fargo in which I have on going since XX/XX/XXXXyear to XX/XX/XXXX. 

I have a permanent XXXX and I feel as though I am being taken advantage of by Wells Fargo, HUD and etc. I do not believe it is very hard to recalculate an escrow account ; as, I have been asking for since XX/XX/XXXX year toXX/XX/XXXX to correct this issue. 

Thank you, 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 2018-08-27
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My problem I am trying to take off the PMI. I purchase my house on XX/XX/2011 for XXXX. Today the value of the house is XXXX. We paid almost 6 years and I resquested to the bank to remove the PMI they said only when my debit get XXXX I have to pay 4 years more.To get off the PMI even if the value of the house and together with monthly payment I make is more than the 20 % they don want remove the PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: JPMORGAN CHASE & CO.
State: HI
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:
Sending message to Chase Bank through this. 

This is a complaint against Chase Bank. I had the Chase Sapphire Preferred Credit Card and used it as my primary credit card. I was planning to use it as my primary credit card for the next 30+ years. One day, I had to do a charge back for {$170.00} against a terrible company called XXXX XXXX ( XXXX ) ( XXXX ). They never gave me the course report that I paid for. Chase repeatedly denied my claim and never sided with me. I am correct because I never received the course report. Chase 's customer service was very poor. Most didn't talk professionally to me or provided no information to me. When my annual fee came, I decided to cancel the credit card and end my relationship with them because they wouldn't side with me on my first charge back, poor customer service, and wouldn't give me a credit for the {$95.00} annual fee. Congratulations Chase for losing a valuable customer. I was going to upgrade my Chase credit card, get another Chase credit card, and refer you to two other people. In your mind, {$170.00} was greater value than keep me with these benefits. You lost Chase and I will support your competitor now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My tax return had the incorrect account number on it. We noticed as soon as it was filed and contacted the IRS but they said that the bank is required to return the funds if the name on the account does not match the name on the deposit. The day the funds were deposited to the account XX/XX/2018 in the amount of {$4600.00}, I contacted the bank and they said that there was nothing they can do to return the funds since it went into an open and active account, they said I need to contact the IRS to reclaim the funds, once they receive the request from the IRS they could return it. So I did that. The IRS sent the request to have the funds returned however the bank responded stating that the account owner has already used the funds. I understand the incorrect account number was input on my tax return however those funds should have been placed on hold as soon as I contacted the bank so that the account owner could not use those funds. If the bank would have done their due diligence and placed the hold when I contacted them they would have been able to return MY funds to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Navient Solutions, LLC.
State: CA
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:
Back in 1999, I started to attend a technical school, I went for one week and got job, So I did not return to the school and went to work instead. So now I am being held responsible in paying at least XXXX back for the loan. The school no longer exist, it hasn't in a very long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: Levy & Associates, LLC
State: OH
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 requested proper legal documentation from LEVY & ASSOCIATES LLC ( XXXX XXXX XXXX ) XX/XX/2019 XXXX XXXX. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP. I HAVE FILE A COMPLAINT WITH THE CFPB AND LOCAL XXXX POLICE DEPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: TRANSWORLD SYSTEMS INC
State: PA
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:
Transworld Systens on behalf of XXXX XXXX XXXX XXXX listed an account that belongs to my father on my credit reports. Thecamount of the colkection listed on my credit reports is {$560.00}. I disputed this account to no avail with both the vollection agency as well as the credit bureaus. About a month ago the collection agency advised me to send in a copy of my drivers license as well as an explanation of the matter so tgat they vould rectify the matter, nothing has been done. I disputed tge account several times. The credit bureaus marked the account as closed and this has dropped my credit score 30 points.

Company response to consumer: Closed with explanation