BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I paid off the mortgage with Bank of America so that I could sell the property thru XXXX XXXX XXXX in XXXX, Oregon. Several months later I received a cashier 's check dated XX/XX/XXXX for overpayment on the closed account in the amount of {$560.00}. I was told that the check was good for 5 1/2 months. When I took the check into the XXXX, Oregon branch of Bank of America I was told it had been reported as lost or stolen which was impossible as I still had the check which had not been endorsed. Later I was told by the bank manager that the wrong number had been recorded and the bank would send me a replacement check. I have been trying to get my money returned to me. These are the ID # I have been given during this process -- XXXX. During the last ticket # I was told as all of the other calls that check would be sent. I have never received a check. Every time I have dealt with Bank Of America I  have made sure that they had my email address, my new phone number and my new mailing address in XXXX, Oregon. I have faxed a copy of the original check to B O A on XX/XX/XXXX. I have closed all accounts with B O A and bought a new home that is completely paid for in XXXX. Please help me recover my money from from this irresponsible bank.

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 2020-11-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
First of all WELLS FARGO still creates accounts you do not ask for, they also create different accounts than you sign up. If I sign up for a business account they sign you up for a completely different account, they enter them wrong for your business to occur additional fees. 

They AUTOMATICALLY give you a savings account and a CREDIT CARD even if you do not want one. Then once you use the savings account if you do not that XXXX dollars they charge you a fee, can you believe it they charge you a fee for your savings account, to do NOTHING! XXXX dollars a month if you do not have enough money in the account! On top of that they change the interest rate at any time you can have 1.5 % and next month zero percent! So they are borrowing from the federal government at zero interest and giving out interest rates of 5 % + to consumers. They leverage the consumers money and never give anything back they should have a set rate not steal from the consumer.

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 2017-08-09
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My loans were originally around {$80.00} thousand. After working with Nelnet the past few years my loans have increased to {$95.00} thousand. I have been in a deferment status for most of the year while they were " processing '' the annual evaluation of my income based repayment plan, this took nearly 5 months. I 've been with the same emplyer since XXXX 2015. My salary only increases around XXXX dollar every year. My first year with Nelnet my monthly payment was under {$300.00}. The next year my payment was close to {$500.00}. I was also contacted by XXXX XXXX aka XXXX who offered to help get my payment down to under {$200.00}, they warned me that there was a federal lawsuit against Nelnet 's parent company XXXX and that I should no longer keep them as my provider. XXXX offered to get me a new loan servicer for a monthly fee of {$40.00}, and received a letter 3 months later from Nelnet that {$2.00} thousand would be added to my loan and that they were still my provider. This never ending process of adding interest to my loan seems unethical and legal. I 've been wanting to contact a lawyer to dig deeper, but feel insecure that I might not have that correct understanding of how the system works. At this rate I will pay my student loan well into my grave, which will then probably acquire interest in the afterlife as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I made a {$250.00} Deposit to Cover incoming transactions. The transaction had not cleared my account, despite having the money available in my account TD Bank charged med {$100.00} in Overdraft fees. TD Bank has manipulated there system to increase NSF Fees on their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2017 XXXX gave me a hard pull which I did not authorize. I never did any business or got a loan from this company. This is fraud and I would like it removed from my file as soon as possible. I had spoke to there customer service team and they had said would remove any hard pull since I never authorized it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: General Motors Financial Company, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I purchased this car at the end of the lease, for the exact Purchase Option amount specified in the lease ( {$13000.00} ). I was told by GM Financial representatives, more than once, that GM Financial could not sell me the car directly since I lived in Pennsylvania, but that I could go to any GM dealer in the area and they could take care of it. I went to XXXX XXXX   XXXX in XXXX, PA on XX/XX/2018 and executed the transaction, or so I thought, but I continue to get statements and bills from GM Financial for Lease End Liability charges totaling {$3500.00}. On several subsequent calls to GM Financial, I was told XXXX XXXX could straighten it out, but they seem as confused as I am. Since all I did was execute a contractual option in the lease, and follow the steps I was given by GM Financial to do so, I don't know why I'm in the middle of what is apparently an issue between GM Financial and XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-20
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I am extremely frustrated, distressed, and I feel like my requests are being ignored. Section 611 ( a ) says that a failure to investigate within 30 days is cause to immediately remove those items from my credit report it has been well over 45 days so everything should be deleted promptly. I demand these inaccurate items be removed immediately or I will be forced to take action via litigation due to the emotional stress you are causing me. My information has been impacted by the XXXX breach and I feel my information may have fallen into the wrong hands. Please delete immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: National Credit Systems,Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As of XXXX of XXXX my lease end at a {$0.00} balance and was paid by government agency through XXXX XXXX  when I reach out to XXXX XXXX XXXX XXXX  they acknowledge I do not have a balance with them and they dont have no acknowledgment of the reported balance and this was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On all 3 credit bureau reports, XXXX XXXX is reporting that I am missing payments each month since ive had car repossessed. I have called multiple times to XXXX XXXX and they have told me they have no record of them reporting missed payments or that my balance has been increasing each month. I have disputed with all credit bureaus informing that my balance should be the same as it was when it was first reported and that my score shouldnt be changing in regards to these " missed payments ". XXXX states my balance has not changed in their system and is showing XXXX for my balance and not XXXX which is showing on the credit bureaus. The credit bureaus are getting information directly from XXXX so my concern is the company is not reporting correctly. I do not know what to do from here.

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 2020-10-30
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The servicing was transferred from XXXX XXXX to specialized loan servicing XX/XX/2019, their billing was false I informed them but they refused to correct or address the issues : they made adjustments to the account when I asked why they would not tell me, they kept the adjustments concealed for 9 months

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX & XXXX XXXX XXXX & XXXX have both violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26
Company: Experian Information Solutions Inc.
State: GA
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 account that appear on my credit file I believe its fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-03
Company: EQUIFAX, INC.
State: GA
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 attempt to correct my EQUIFAX, XXXX, and XXXX credit report ( s ). I have identified fraudulent accounts. Please block/ remove all of the accounts listed below : XXXX XXXX   XXXX : XXXX - Opened XX/XX/XXXX XXXX CARD : XXXX - Opened XX/XX/XXXX XXXX CARD : XXXX - Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I am extremely frustrated, distressed, and I feel like my requests are being ignored. Section 611 ( a ) says that a failure to investigate within 30 days is cause to immediately remove those items from my credit report it has been well over 45 days so everything should be deleted promptly. I demand these inaccurate items be removed immediately or I will be forced to take action via litigation due to the emotional stress you are causing me. My information has been impacted by the XXXX  breach and I feel my information may have fallen into the wrong hands. Please delete immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There are still multiple accounts on my report that are not mine and should not even be reporting. They haven't removed them even though they do not even belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-03
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was consitantly making payments of {$280.00} for almost 6 months. However, when I tried to call Navient at the beginning of XXXX about how I cant afford to pay that much a month they pretty much told me that I have already been given the lowest payment plan they have. I am in the military and I am the sole source of finances to my wife and XXXX kids. I will be more than willing to make these payments if i could get them lowered. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I co-signed on the loan to help a friend in XX/XX/XXXX. When I co-signed I was assured by the financing company that I would only stay on the loan for 6 months. The car company explained that I were only needed to lower the interest rate & that I would be removed from the account. They never removed me but I also had no knowledge that they didnt remove me until the repossession of the car. My friend told me that she called them & explained her situation with finances. They assured her that they would work with her. The car started breaking down but the company refused to help get it fixed & the car was still under warranty during this time frame.

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 2020-05-19
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
IRS direct deposited my stimulus payment to my NetSpend card but NetSpend says they never received it. I have called 4 times already, triple checked my direct deposit information and still no direct deposit on my NetSpend card. I have been calling NetSpend since XX/XX/XXXX. They offer NO 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 2017-08-09
Company: Jersey Mortgage Company of New Jersey, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was contacted by a mortgage broker representing XXXX XXXX XXXX XXXX. This is the same broker who I worked with to obtain my original mortgage and a subsequent re-financing for the same property. He called and told me rates were down and I could benefit from a refi. He requested my personal info to run a credit check and got back to me saying everything looked good. He then requested we do a refi on my primary home ( original conversation ) and also on my second home ( rental property ). I told him I would be interested only if it makes financial sense for me. He assured me it would and asked for {$1200.00}. to proceed with processing. I sent a lawyer the XXXX for transferring my mortgage from XXXX XXXX XXXX XXXX back to XXXX XXXX. ( XXXX XXXX was the original mortgage holder and XXXX XXXX XXXX obtained via refi ). Several months went by when I was contacted by a colleague of his with teh refi estaimates. They were completely ridiculous. They wanted me to refi and take out $ XXXX on rental property to pay down primary mtg to obtain a better rate. The costs were approaching $ XXXX and Imy combined mtg would decrease only {$170.00} per month. They also recommended I roll closing costs into my refi package. Hence, I incurred $ XXXX more debt and reduce my monthly payments {$170.00}. I told them I wasnt interested. We went back and forth for several months before they agreed to provide a new refi for only my original ( Primary ) home. This was attractive but it was n't making any progress. After months of calling them back and emailing and texting them I was told the underwriter has declined my application due to insufficient work history. I have been doing the same XXXX XXXX work for 20 years and qualified with same persons/entity for my original mortgage and refin. I also make more money than before and have more assets than before. I told tehm I want my {$1200.00} back and they said there 's one more option - I have to wait until XX/XX/XXXX to have sufficient work history. Interested rates went up twice since original rejection notice ( XX/XX/XXXX ). This XX/XX/XXXX I submitted updated documentation and was told yesterday I was denied again - same reason. I have been doing the same work for 20 years and teh broker know of the work before this process began and has worked with me before over the past 8 years. They were 100 % aware of my work history before they requested the {$1200.00}. I also believe they wanted to set me up with a bad and inappropriate re-fi agreement and when I rejected it they wanted out of the deal with me. Loan agreement is attached. Psswrd is XXXX. This in itself should constitute a violation of some consumer protection for inappropriate loans.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Payward Ventures Inc. dba Kraken
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I would like to bring your attention to a serious issue I have with Kraken transactions that first took place on XX/XX/2020. 
I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the Company.

The funds were transferred utilizing Kraken 's services in the total amount of XXXX EUR! 
I would also like to point out that on XX/XX/2020 - I filed a dispute with Kraken.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Payward Ventures Inc. dba Kraken
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Krakens ( Payward , Ltd. ) transfer to a FRAUD SCAM Brokers : XXXX I would like to bring your attention to a serious issue I have with Krakenpayments that first took place on XX/XX/2020. 
I have been victimized by a multilayered scam operation orchestrated byXXXX - the Company. 
The funds were transferred utilizing Kraken 's services in the total amountof XXXX EUR! 
I would also like to point out that on XX/XX/2020 - I filed adispute with Kraken.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Kentucky Housing Corporation
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I attempted to pay my mortgage today XX/XX/XXXX. I was told they could only take my XXXX and XXXX payments together. I was also told this would hit my credit regardless and there was nothing I could do. I paid the first of XX/XX/XXXX for the regular payment amount and it did not effect my credit. They are forcing me to take a hit on my credit and as of this day I am not 30 days behind. The 30 day mark would occur the end of business tomorrow XX/XX/XXXX. They took away my option to pay online and over the phone with no help what so ever to avoid the delinquency. I am now forced to mail it off and be 30 days behind because of the refusal from multiple people at the XXXX XXXX XXXX specifically XXXX who had no solutions but to give her XXXX over the phone right then. I have other bills and children to feed as well this is not a realistic plan. They did not care to hear any of it. All interactions occurred today XX/XX/XXXX between XXXX and XXXX.

Company response to consumer: Closed with explanation