BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a home mortgage with Wells Fargo that I pay timely each month. I also have a HEL that the bank has stepped up the rate nearly doubling my payments. Back in XXXX, I finally received my divorce settlement and have been trying to pay off my HEL and also asked what options the bank had available to me. I wrote the bank, and called the bank multiple times however I have never received a response. I am trying to resolve my HEL with the bank, or find another solution ( refinance ) but after nearly 3 months, no one returns calls. I have requested my home preservation specialist, XXXX XXXX but can not reach him. Thanks you

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 2018-01-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have asked multiple times for an explanation of " corporate advances '' on my account with XXXX XXXX XXXX. We filed for a Chapter XXXX bankruptcy in XX/XX/XXXX when my husband lost his XXXX job due to a store closing and was unable to find work at the XXXX  level again - resulting in a loss of about 60 % of his pay. After this we received no further statements of any activity on our account beyond the annual XXXX required by the IRS. We modified our loan thru HAMP during our bankruptcy when my husband was diagosed with XXXX. I have never been given any information on where the amounts on the two notes was calculated despite asking. 
When the account servicer for XXXX - XXXX was was changed to XXXX, I was shocked to see over {$4000.00} in " corporate advances '' on the history of the account. I asked XXXX for an explantation/history of these amounts and was told the former service company- XXXX would have to explain these as they only had the basic information. I have asked XXXX repeatedly for this information. I have contacted XXXX XXXX XXXX directly for this information and have had no response. I have gone so far as to email the CEO of XXXX - no response. This year - I received the XXXX statement from XXXX for XX/XX/XXXX - they are reporting no MPI on my loan for the entire time they have had my loan, but my record of payments show monthly payments being made. All I am seeking is an honest answer on all my questions regarding these questions.

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 2022-10-10
Company: DISCOVER BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check using mobile deposit on XX/XX/XXXX, and received notice that it would be held until XX/XX/XXXX. The notice provided the general list of exceptions to the maximum hold time limit, but did not specify the reason for the hold. I requested clarification and a specific reason multiple times, and was told first they hadnt placed a hold at all, then that they couldnt give me a reason for the hold because its proprietary, then that the hold was discretionary due to their agreement which says they can hold a check for any reason. They declined to lift the hold, and I have no idea why it exists or what to do because I cant use the {$2000.00} that was deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Incomm Holdings Inc.
State: WI
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:
Hi, On XX/XX/2022 I filled a dispute with Vanilla Visa about a stolen card that had charges not made by me. I had the card cancelled as soon as I noticed it gone from my room at XXXX XXXX in XXXX XXXX. After approximately 9 weeks Vanilla Dispute sent me e mail stating the matter had been closed without resolving the charges not made by me. Ref Vanilla Case Case # XXXX. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX Reported : XX/XX/2019  {$1200.00} XXXX XXXX XXXX Reported : XX/XX/2019 {$79.00} There are no contracts, no valid  claims ... accounts were settled original with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

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 2019-09-14
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am in Ch XXXX bankruptcy, and the servicer refused the full XX/XX/2019 mortgage payment of {$1400.00} I made, and returned it to my bank on XX/XX/2019. Here is a timeline of events : On XX/XX/2019, I called Mr. Cooper ( the servicer ) because my XX/XX/2019 mortgage payment was refused, and I was instructed to call their counsel, XXXX XXXX  XXXX. A few minutes later, I called XXXX XXXX  XXXX and was told that XXXX payment was refused because my account status was mistakenly changed to active foreclosure in Mr. Coopers computer system. Following the phone call, I sent an email to XXXX XXXX  XXXX confirming the conversation. A follow-up email was also sent to XXXX XXXX XXXX that included correspondence from my banks Bill Pay department regarding the returned mortgage payment. 

During this time, XXXX XXXX XXXX was conducting an audit of my mortgage account. After conducting an audit of my mortgage account, they informed me on XX/XX/2019 that they had withdrawn their Notice of Intent filed on XX/XX/2019. That same day, I contacted Mr. Cooper to make mortgage payments for XX/XX/2019 and XX/XX/2019 and was told that my account status had to be updated in their system before payments are accepted again. I was also told that I would be sent a statement once my mortgage account status was fixed.XXXX XXXX  XXXX filed another Notice of Intent on XX/XX/2019 while I was waiting for Mr. Cooper to fix my account status and accept payment from me again. 

On XX/XX/2019, I received a mortgage statement dated XX/XX/2019 but it reflected an inaccurate balance of {$850000.00}. My monthly mortgage payments are {$1400.00}, so the correct amount due should be {$5600.00} for XXXX, XXXX, XXXX, and XXXX. 

On XX/XX/2019, I filed a Response to XXXX XXXX XXXX most recent Notice of Intent ( they have filed and withdrawn 3 Notices of Intent within the last 6 months ), and the U.S. Bankruptcy Court for Maryland has scheduled a hearing for XX/XX/2019 to help me resolve my mortgage account issue. 

On XX/XX/2019, I sent a payment of {$4200.00} for XXXX, XXXX, and XXXX mortgage payments. However, on XX/XX/2019 around XXXX EST, a customer service representative in Mr. Coopers bankruptcy department said that my account status was still not fixed so the payment may be returned. On XX/XX/2019, my mortgage payments for XXXX, XXXX, and XXXX were returned to my bank and stamped as refused. 

Finally, in a Praecipe to the Circuit Court for XXXX. County, XXXX XXXX  XXXX falsely claimed that the stay from foreclosure was recently lifted by the bankruptcy court and so foreclosure events will commence, but the stay is still in place according to the US Bankruptcy Court in XXXX. I subsequently sent a Notice of Error to Mr. Cooper, XXXX XXXX XXXX, and XXXX XXXX for refusing my payments and refusing to fix my account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: JPMORGAN CHASE & CO.
State: CA
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:
Called about 5 consecutive times to get my money refunded for a plane ticket I purchased on XX/XX/2021 ( {$1000.00} ) for my mother to go to XXXX XXXX. ( Chase Travel reservation- Itinerary Number XXXX ) However, my mothers older sisters daughter got tested positive for XXXX which made all her family members to also be quarantined. My mom had to cancel her flight through me ( who purchased for her through Chase Sapphire ) and I made a call before the flight to cancel and get a full refund back. In order to get the full refund ( without the cancellation fee ) Chase told me to provided a required documentation for the airline which included my family members positive test result. I provided this information via email and havent received anything back. 

After waiting a few weeks and following up in the email, following up with a call twice, I called once again and wanted to get transferred to a supervisor from Chase. She told me she would get this handled within 72 hours and if I dont receive anything back by then, I would have to call again and provided me a direct number to call ( which was NOT a direct number to a supervisor, it was just a chase sapphire number Ive been calling the last 3 times ). I waited, got another email saying that Id need to provide the same exact documents that I have already sent. Sent over within a few hours, and waited MORE THAN 72 hours, didnt get any response back ONCE AGAIN. They have all the calls recorded, all the proof of our calls, they have them. 

I called Chase for the last time before writing this complaint. I told them, I dont want to explain myself again, and to go look for my case number and see why Im calling. They told me I have not sent the email and wanted me to send a proof that I sent the email. So I made a screenshot and sent the email back, asking them, what am I exactly waiting for and why is it SO important that I would have to send a proof that I sent an email back!? I waited more than 2 entire months for a refund on a plane ticket. I sent again the documents and the proof that I sent the email, and asked what exactly they are waiting for and why it takes 2 months for a refund to be processed and the supervisor said, I would have to call the airline to find out because they are waiting for the airline to approve the documents. 

After 5 calls, they are now saying I have to call the XXXX to find out. They told me theyll handle everything themselves and make sure I have the full refund back within time, but havent handled one single thing. 

Please report Chase Travel Center for not handling a client who has been waiting for a flight ticket cancellation refund to be processed for 2 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
When I opened the checking account, I was told that if I maintained a {$100.00} balance at then end of the month, I would not be charged fees. Apparently they now say this information was incorrect and they have been charging me fees. In addition, they have over 20 min wait times and have denied transactions with money in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: UT
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 disputed XXXX XXXX and XXXX with XXXX, equifax and XXXX with a copy of the police report over and lever, they dont do anything those accounts are due to ID theft, I didnt do them and never heard of XXXX and never opened any loans or accounts with XXXX XXXX XXXX I even sent them a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX, I discovered that 6 years after our divorce, my ex-wife had a credit card with Kohl 's that I was listed on. That account was over the credit limit at approximately {$1600.00} versus their {$1500.00} limit. I notified my ex-wife and provided her with funds to 1 ) pay off the account and 2 ) close the account. My ex-wife paid approximately {$600.00} of the {$1600.00} and closed the account, which dropped my credit with XXXX from XXXX to XXXX in late XX/XX/XXXX/early XX/XX/XXXX. I filed challenges with XXXX, XXXX, and XXXX XXXX who all referred me back to Kohl 's. I called Kohl 's and explained the situation to which they said that I was second and " not an Add-on '' to the account, therefore they were holding me responsible. Both my ex-wife and daughter called Kohl 's to exonerate me. By having Kohl 's launching these attacks, including another today, my credit is being held hostage, now at XXXX as my ex-wife does not have funds to pay the account so they wreck my credit trying to extort money from me. I would like this situation to be stopped since I did not sign up for, receive, or use a Kohl 's Credit Card and did nothing to cause the problem. Kohl 's is trying, in my opinion, to extort payment from me even though I never signed or received a Kohl 's card. Also, I have lived in California, not in Texas to this date, where some of the credit agencies are listing me as living in Texas at my ex-wife 's address. Our divorce was final on XX/XX/XXXX. Kohl 's obviously does not have a contract wet-signed by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-14
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There's an account on my credit report that I am unaware of. I have medical insurance in which I am fully covered. I don't have anything signed with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
There is incorrect information reporting on my credit report

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 2019-09-14
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Experian removed information from my report in XX/XX/2019 causing my credit scrore to psotively increase, then added the information back to my credit report in XX/XX/XXXX that negatively impacted my credit score. See Attachment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

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 2021-10-18
Company: DISCOVER BANK
State: KY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to a 2nd mortgage thru Discover loans recently on line. I was mailed the loan application and received it on XX/XX/XXXX. I gathered all information they said was needed, signed all necessary pages and returned the application through the US postal service 3 day on XX/XX/XXXX ( which they should have received on XXXX XXXX ) I have not at any point during this application process received any correspondence via email, phone call, or US mail from Discover Loans asking for additional information or concerning any problems with my application, but today on XX/XX/16 I receive an email from them stating that they have been trying to contact me and due to not being able to do so have closed my file and that I am free to start this process all over again. Again I repeat, at no time have has discover card reached out to my in anyway about anything. The obviously have my information on how to reach me ( I got the email when I started the process and one when they closed it but not a word from them in between ) Which leads me to question what really is the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During XX/XX/XXXX, I applied with US Bank to refinance my current loan with them. Company found problems accessing VIN verification document that should have already been in their documents from the initial finance. Since it had taken months, and no headway was being made, I queried my Loan Customer Service on resolution and she said senior leaders did not have a solution so I gave in. In XX/XX/XXXX, I received a notice of credit denial from US Bank. If the bank has initially serviced my loan and had all documents, I believe it is discriminatory to fail to expedite a refinance already held ny the institution, along with showing two credit accesses personally effecting my credit. Here I stand after months of waiting without a loan refi. 

Loan Application # : 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 monetary relief
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: UT
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 disputed XXXX XXXX and XXXX with Experian, XXXX and XXXX with a copy of the police report over and lever, they dont do anything those accounts are due to ID theft, I didnt do them and never heard of XXXX and never opened any loans or accounts with XXXX XXXX XXXX I even sent them a police report.

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