BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-02
Company: Experian Information Solutions Inc.
State: MD
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:
Experian sent email stating that " -- -- --, your dispute results are ready. 

Good news! Your final dispute results ( report no. XXXX ) have been posted. Please sign in to see them and confirm all changes. 

If you have any questions, feel free to reach out to our team at ( XXXX ) XXXX ( Mon-Fri :  XXXX-XXXX PST, Sat-Sun : XXXX-XXXX PST ). '' Experian adamantly not updating the credit report though XXXX XXXX XXXX sent them the corrected information Experian 's customer service is the Worst.

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 2022-08-05
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: Old information reappears or never goes away

Complaint:
I didnt give them permission to share my personal information nor did I authorize them to have my information on display. They have had several security breaches as to where my information was taken and still havent compensated me for and I have yet to receive the {$8000.00} I requested from them. All the old information and incorrect information for me would need to be taken from there data systems immediately. They keep taking stuff off and putting it back on and has violated my rights.

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 2021-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
on XX/XX/XXXX i talk to one of the customer representative about my son 's account because his account has low balance. need to pay for withdraw fees from his account to cover the fund that's he use 'total is XXXX in XX/XX/XXXX XXXX i speak to one of the customer representative her name is XXXX she say they will refund XXXX dollars back to my son account! but today i found out they didn't did it even talk to the supervisor XXXX and the answer still no the bank doesn't responsible for this. What a joke why one people said OK turn around the another people say no what is the bank promise cheating the customer.

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 2021-04-23
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Amerisave is the worst mortgage lender. I applied for a loan in XX/XX/XXXX and now it's XX/XX/XXXX and I'm canceling the loan. Amersave made a mistake on my first application that didn't get caught for a month. After the appraisal was done and all my paperwork submitted, we had to start over with a new application. Then the loan officer ( LO ) left the company and the new LO and the subsequent manager took no ownership over my file. Four months later I'm canceling my loan because they are no longer honoring the rate they promised me several times throughout the process. I requested several times that they lock the rate and they denied my request. 
It feels like a bait and switch. They promised me a rate told me their policy is to not lock until the file is approved but they would come through with the rate they promised me. Three different people verbally told me they would do this. My file was easy - w2 borrower and nothing tricky. They couldn't figure out how to transfer my appraisal from the original file. They kept asking me for documents over and over that I had sent several times. Every time I asked for an update on my file they said they were doing everything they could and some people gave me personal sob stories. They were completely unprofessional and incompetent. I wouldn't recommend anyone go here. I've done many mortgages in my life and this was by far the worst experience I have ever had. I should never have let it go on this loan. I had many options to go for a great rate back in XXXX and all those options are gone now. They have lost me tens of thousands of dollars over the life of the loan. They strung me along and kept telling me they were going to get it done. Had they been honest upfront and told me they were incapable of closing a vanilla loan I would have left a long time ago. What a waste of my time and money.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We purchased a home in XXXX through ERA. We filed Chapter XXXX bankruptcy not on the home and that was dismissed and paid for in XXXX. We went through a mortgage help company and paid over 800 to get our mortgage through a different company due to the problems we had with ERA. This company then got us a loan modified through PHH and both companies have the same account number, and telephone number to contact them. We have received a letter from PHH last month stating that our direct payments will no longer be pulled since we filed bankruptcy on the loan. We have not filed bankruptcy on the loan and the bankruptcy has already been dismissed so we are not sure why they did this. We have been paying extra every month but now the company says our account number is no longer valid. I am not sure how a mortgage company can hire outside companies and then lie about being the same company. They have the same people working there also. Is there anything we can do about this since this company is lying and we paid extra money to get rid of them. I am attaching all the paperwork that we have received from both companies. any help would be greatly appreciated. Both my husband and I are on Social security and can not afford extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Complaint regarding lack of notice for transfer of mortgage account I have a mortgage account with bank of America since XX/XX/XXXX. Today ( XX/XX/XXXX ), I attempted to make a payment online and I could not as the account was not available. I called the mortgaged department and, I was informed that my account was sold to another mortgage company. I asked how the decision was made without any notice and having to find out that day. I explained that to the representative that in the last month ( XX/XX/XXXX ), I called several times to discussed mortgage payment, check received, and possible refinance option and, not one time has someone even mentioned it. The representative stated that a letter was sent on the XX/XX/XXXX. I explained that I have not received any letter as of XX/XX/XXXX. I was transferred to the debt collection department and was informed the account was that the account transferred was a request from my ( investor, FHA ). The representative explained that they had 30 days to notified me but yet, the alleged unreceived letter was sent out on the XX/XX/XXXX given me 15 days of notice. I contacted the FHA resource center and, I was informed that they do not make such request for account to be transferred to other company as it is the lender 's doing ; the bank just need to notified the HUD national. I am filling this complaint because Bank of America failed to give me proper notice of their decision to transfer my account and gave me false information. Bank of America has violated my right to received proper notice before such action was completed.

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 2022-01-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Someone hacked into my bank account and XXXX XXXX dollars on XX/XX/XXXX to account without my authorization. I have contacted Wells Fargo and submitted a claim and they denied my claim stating that it was me or someone i know that made this transaction. I have been with Wells Fargo since XXXX. Please help me retrieve my money from this transaction.

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 2020-07-02
Company: Debt Recovery Solutions, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I do not have a contract with Debt Recovery Solutions ( DRS ) .They are furnishing false and inaccurate data to XXXX . My dispute with XXXX on XXXX XXXX, 2020 resulted in the inaccurate, false reported information by deleted and removed from.my report.. However its still is being reported at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: BB&T CORPORATION
State: MD
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/19 I went to the bank ( BB & T ) to open a CD with {$4500.00}, I counted the amount and left it on the desk for the person to take it up to the teller. He took the money up to have it counted. A few minutes later he came back and told me I was short {$780.00}. I took more money to make up the difference. I was so upset that I left the bank. I called the bank back and ask to she the security video and the manager told me the tape had to be review by the security unit and she would get back to me in about a week. She asked me not put put this on social media. I called her back after a week and she said she had not information for me and it could take weeks or months to it to be resolved. She was more worried about the employee then myself, she said his job would be on the line

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 2020-09-04
Company: AES/PHEAA
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
FedLoan Servicing reported me as missing my payments in XXXX, XXXX, and XX/XX/XXXX. This was put on my credit report. I was a student at the University of XXXX at the time and my enrollment was at least half time. My federal loans should have been in school deferment. 
I talked to Fedloans over the phone and sent them a letter on XX/XX/XXXX and sent them documentation that I was elegible for in school deferment durring the times that if was reported that I missing payment. Fedloans responded with a letter dated XX/XX/XXXX which stated they had sent the corrected information to the comsumer reporting agencies to wich the incorrect information was previously reported to. However this infomation is still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: SC
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:
I have several names that are listed on my account. I have offered to send in LEGAL PROOF of what my name is to remove the incorrect names. They proceeded to tell me because the incorrect name was linked to one or more accounts then they could not remove the name. Same thing with the addresses. I need my legal address on file. I do not wish for any information to be sent to any other address because of Identity Fraud! I NEED THIS RESOLVED YESTERDAY! I have called multiple times to only receive a CS agent that wants to push the problem off.

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 2019-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a fraud-victim of the XXXX and XXXX Data Breach. I have filed a fraud report with my local police dept. the Federal Trade Commission and now the Consumer Finance Protection Bureau. There has been loans, credit cards, medical services and other credit obtained under my name.I never had any use for credit as my late husband took care of all our financial needs and would never allow me to sign any debt-instrument whatsoever. 
1.XXXX XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX 4.XXXX   XXXX  5. XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX 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 2018-02-16
Company: LoanCare, LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We closed on a residential home loan on XX/XX/2012. The original purchase price of the home was {$330000.00}. The market was rebounding and the appraisal came in extremely low at {$340000.00} and so Private Mortgage Insurance was assigned to our loan for a term of 5 years or until the loan was paid down to 80 % of the appraisal value. The loan contract specifically states that the buyer is entitled to pay for a new appraisal after paying 60 consecutive payments. However, the contract stipulates that the lender ( LoanCare ) gets to choose an independent appraisal company of their choice.

We have contacted the LoanCare on multiple occasions requesting that they schedule an appraiser and let us pay for the new appraisal.The property is now estimated at an appraisal value of {$600000.00} and we owe {$290000.00} on the mortgage. Currently, our loan to appraisal value is approximately 48 %. However, the lender will not respond to our requests except to send letters that say, " We have received your request and will be in touch with you in 3-5 business days. '' LoanCare fails to follow through and they keep billing us $ 379 monthly in private mortgage insurance. They are not honoring the contract.

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 2019-09-10
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX of XXXX there was a credit pull on my account and I did not have an account with them at the time and did not receive or create an account with them on that date. I would like this inquiry removed that is reporting on XXXX. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: SLM CORPORATION
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2019 in the morning, Sallie Mae called all my family members about a payment that was due. I did not authorize them to call all my family members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was hacked into, they reversed 8 charges from my account that was not authorized by me the account owner. Chase bank did not let me know that these charges got reversed and I ended up loosing {$1400.00} on XX/XX/22. I called chase to get my money back but because the person XXXX it to themselves chase said that they can only let XXXX know and take that persons account down but could not do something about the {$1400.00} and did not give it back after several attempts of calling and talking to the fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I faxed Equifax for the 2nd time to remove my extended fraud alert. I also included supporting documents up my state ID and Social Security card, a total of three pages and faxed it to XXXX As of XX/XX/XXXX the extended fraud alert still remains on my CBR. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: FinCo Services Inc DBA Current
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Tuesday the XXXX of XXXX I received my monthly income via direct deposit. I paid a few bills that I can pay online. At around XXXX I tried to order some stuff for delivery from a local grocery store and was alerted that something was wrong with my card. I went over to my bank account and over half of my income was gone via 3 transactions that I had nothing to do with. There was a charge for XXXX dollars at XXXX. One for XXXX dollars at XXXX and then a final one for XXXX at XXXX. I immediately contacted Current XXXX my now former bank ) to file a dispute and figure out what happened. A few hours later I got an email from them saying they closed the account that stole the money ( it was an account to account transfer thing ) and found XXXX in the account that was immediately being sent to my account. I reached out to customer service again to ask if the dispute was still active or if they were only giving me XXXX when I had XXXX stolen. They said the dispute was closed and that I needed to appeal the decision. So I did. They responded with the following in an email to me ( names have been shortened to first initial for privacy ) : W ( Current ) XX/XX/2021, XXXX XXXX EDT Hi A, Thank you for the follow-up. 

Based on the facts of the investigation, weve concluded that no error occurred. 

Per the investigation : We would never reach out for 2FA or login credentials.

While we understand this may be frustrating, unfortunately, the outcome of the investigation is final. Please note we take our dispute claims very seriously and investigate them to the fullest extent possible. We apologize if the result of the investigation was not in your favor. Let us know if we can assist with any additional questions or concerns you may have.

The Current Disputes Team I never gave out a 2fa code. I know better. Also this was almost devastating, not frustrating as the person in the email put it. I was able to borrow money from friends so I can pay the rest of my bills and my rent. So Im stuck here XXXX in the hole because someone hacked into my account and transferred my money to someone else. I have filed a police complaint and sent current a follow up to the email I posted above. Ive also reached out on XXXX and gotten no where. Please help. Im a single mom and both my daughter and I are XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My wife obtained student loans and graduated from XXXX  in XX/XX/XXXX. I obtained student loans and graduated from XXXX XXXX in XX/XX/XXXX. After getting married in XX/XX/XXXX, we consolidated our loans. Since XX/XX/XXXX, we have worked for XXXX XXXX XXXX and XXXX XXXX. We have tried over the last 2 years to obtain the public service loan forgiveness, but have been refused because of our consolidation. Similarly situated persons who did not consolidated have been granted the forgiveness. This discriminatory action is hurting my wife and I, especially since retirement will occur in the next 10 years. Please help us. We thought we did the right thing by consolidating. No one explained this dilemma in consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
This account does not belong to me. Please have them removed from the 3 credit reporting agencies Please see bellow th elist of accounts : Identity Theft WELLS FARGO Account Number : XXXX This is not mine.

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