BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-04
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern : The reason for my complaint against TD Bank is because I feel like I have been treated unfairly and have been giving the run around for months with no result in the end. 

I started to get the onset of sickness in the summer of XXXX and due to this had fallen behind on my mortgage payment. 

In XX/XX/XXXX I went out on short term XXXX until XX/XX/XXXX. 

Because I had fallen behind on my payments TD Bank sent me paperwork in XX/XX/XXXX to apply for a modification when I assumed the illness was getting better. 

I sent in the completed form to them and received a response in XX/XX/XXXX that the modification was accepted and the new payment. 

I called immediately to inform of my unforeseen and unavoidable circumstances and to see if they could assist me. The girl in customer service said to sign the papers and don't worry about it. So I did if not they would foreclose on my home. I also put this in writing. 

I made several calls after this fact to TD Bank to try and work with the bank to resolve the delinquency on my part but the persons name on the letters I received do not pick up phone and speak with consumers. So I had to speak with customer service who would communicate with the loss mitigation/escrow department then relay the information to me. I was also transferred numerous times, disconnected, transferred to a tile company in Maine on more than 1 occasion. When I did get a rep on the phone the answer was always let me transfer you to that department, I don't know, I can't tell you, I don't have access to that screen and I'll have a rep call you back which has not happened to date. 

I also received several letters that had different amounts for my mortgage and when I called to inquire which amount was correct I was given a completely new figure. 

I do not know what to do and I do not want to lose my home, can someone please help me communicate more effectively with this bank? Also please do not let them accelerate the foreclosure process due to this complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
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:
# 1 Dispute case # : XXXX Card # ending in XXXX USAA Credit card Merchant name : XXXX XXXX   XXXX  ( XXXX XXXX XXXX ) Transaction date : XX/XX/2020 Transaction amount : {$110.00} Disputed amount : {$110.00} # 2 Dispute case # : XXXX Card # ending in XXXX USAA Credit card Merchant name : XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Transaction date : XX/XX/2020 Transaction amount : {$1600.00} Disputed amount : {$1600.00} This dispute is about me making a purchase on my credit card USAA in two separate transactions and the merchant that I purchased the trip from cancelled and told me to apply for a refund. I did apply for a refund however the company did not give me the refund back. I filed a dispute with the credit agency and did not help me out with dispute on the account. XXXX not follow there dispute policy which states that if service is provided, customer has the right receive full refund. This impact my credit in a negative way by increasing my credit balance decreasing my credit score. I am currently refinancing my house in which is also effecting my financial as it relate to COVID-19.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In XX/XX/XXXX, we set up an account in Paypal for our company. After receiving the first payment, Paypal limited the account. We called to try to collect the money. The company said in 6 months they will lift the limitation. It is XX/XX/XXXX. The message is still there and it is impossible to receive help from Paypal. 
This is the message : Because of potential risk exposure, we've permanently limited your account. You'll no longer be able to use the account for any transactions. 
We send our IDs and the EIN number of our company. I have taken screenshots of the situation. Apparently, many people are in the same situation. Paypal doesn't help and is keeping our money. Paypal deletes old messages so I am sending the ones from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I just relieved a notice from Chase that my Chase Saphhire account interest rate will go up at the end of XX/XX/XXXX ( XX/XX/2018 ). My current rate is 13.24 % and the new rate is 16.99 % - both variable. Here is my complaint : The notice that was sent, which I know is likely the least needed that is required, appears to be junk mail, and gives a very unclear understanding of what is occurring with the card rate. Although it clearly states what the NEW RATE will be, come XX/XX/18, it does not mention at all what the CURRENT RATE is, nor the what the INCREASE will be. It does not even state anywhere that the RATE IS INCREASING, and could easily be mistaken for a DECREASE in variable rate. I believe very strongly this is a form of deceptive practices that will prey on other consumers. There is no good way for a consumer to just what is fair if they are not being told clearly how their terms are changing. While I am sure the Bank ( JPMC ) would argue that a consumer needs to know their current terms, consider someone like myself who has had this card for at least 8 years or more, and hears % rates constantly for all sorts of reasons. I do n't remember, and I fear for older card holders and those not as able to recognize what is occurring or who may not understand that terms are allowed to change. I believe that JPMC could at least have been transparent about the change from OLD TERMS to NEW TERMS rather than just stating what NEW TERMS will take affect. Please communicate this problem to them clearly. I have spoken to their customer service about this problem but likely they will not do anything for which they are not explicitly required. Sending the notice in this drab legalese type B/W format, while XXXX knows any advertisement would be full of color and glossy with pretty photos, is obviously also an attempt to disguise the change and have consumers ignore it. It is a shame XXXX XXXX must n't be rich enough he has to take advantage of people. He must think consumers and the CFPB are all stupid. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: N26 Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
N26 bank has frozen my account with about {$17000.00} on it. Nobody in the bank can provide any information or timeline, it has been 3 weeks and this is causing severe consequences as this is a significant portion of my funds. 

I've opened an account in the beginning of XXXX following identity verification. I have received a paycheck and relocation allowance from my employer who is a large tech company. After attempting an ACH transfer to my linked external account with XXXX ( in my name ), the bank has declined this operation and has frozen my account without notice. 

I've spent countless hours on the phone offering to provide any documentation regarding transactions, but they would not request anything, not provide any timelines on when I might be able to use my money again. There is no one I can speak to regarding this issue at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX - partial account number XXXX. ( Please see page 13 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Today I tried to get a free credit report from Equifax. I completed everything on the form and then it said that it could not supply and that I needed to call an eight hundred *** number. My problem ( always ) is that my hearing is profound and I can not use a phone. So I can not get my free report? That is discrimination to XXXX senior citizens. Something is wrong with Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
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: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are reporting incorrectly that I am 60 days past due on XXXX - partial account number XXXX. ( Please see page XXXX of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2020-01-27
Company: Exeter Finance Corp.
State: MO
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:
I haven't authorized this financial institute personally or a consent. I have requested the lender to investigate and remove hard inquiry from the report. They failed to do that. They have responded that they recieved application from XXXX XXXX. I have clearly stated not to authorize this financial institue to obtain my report. Regardless they have obtained my report and this is seriously causing damage to my credit score and reports. I demand them to remove this hard inquiry which I havent authorized. 
Inquiry was made on XX/XX/2019 from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, CA XXXX ( XXXX ) XXXX Bank of America Attention :  XXXX XXXX XXXX Chair and Chief Executive Officer/ Customer Service Department/XXXX XXXX XXXX. XXXX XXXX XXXX, FL. XXXX XXXX : Reonveyance of Property at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

Dear XXXX XXXX : This is a Notice, in lieu of a complaint at this point and time. 
Thank you for the affirmative steps youve taken to aid in the possession of our property. 
Pursuant to our ownership rights, as corroborated by your Companys recording of : a ) Substitution of Trustee, ( XXXX ), XXXX/XXXX/XXXX and, b ) Reconveyance recorded on XXXX/XXXX/XXXX ( XXXX ) c ) Substitution of Trustee and Full Reconveyance ( XXXX ), recorded on XXXX/XXXX/XXXX ) d ) Preempting the Trustee Deed recorded on XXXX/XXXX/XXXX, and, e ) Replacing it with, the Full Reconveyance ( XXXX ) : We are informing you of our action to reclaim possession immediately. 
For a smooth transition, as the Trustee, I will expect your cooperation in retrieving access to the property by : 1. Surrendering the Keys to the house to us, by mail, or providing a location for me to pick them up, or, 2. Advising the current Holder of those keys either to : a ) Mail them to your office, or, b ) Mail them to us at the above address If I have not heard either from your or the former managers by XXXX/XXXX/XXXX, I will pursue action to change the lock ( s ). 

Sincerely, 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 2020-05-06
Company: TMX Finance LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I have been unemployed for more than 10 months and have been in continuous contact with the store about my financial situation and they have sent emails saying they are willing to work with borrowers and this is far from the truth. 

I borrowed {$370.00} and have already paid that plus additional money and can't get caught up on payments due to the current job market and being unable to gain employment. I understand there is a cost in borrowing money but I called the store and was told t call the resolution department of the company. When I was able to come up with some money to negotiate a balance I called the resolution department and they told me they couldn't help and I had to work with the store. In the meantime, I have been in constant contact with the store they called one of my references and told him they were calling regarding my account with Titlemax   which should be a violation of privacy. Additionally, the employee named XXXX refused to give me my title number to verify with the State of Virginia that I had insurance coverage. She said it was against policy so I had to call their customer service department to get a call back from a District Manager to give me this information. When I called to inform the employee XXXX that I called the resolution department and they told me that I needed to speak with the store to work out a payment arrangement she was rude and told me she knew I complained about her so this is why I believe they called references even though I had been in contact with the store.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I put in a dispute with Citibanks credit bureau dispute department but they still refuse to change the reporting on my credit card, which shows 1 month late payment in the month of XX/XX/2016. I advised Citibank that during the month of XXXX and XXXX, I was in XXXX visiting family for XXXX and I was involved in a car accident. I was XXXX  for 6 weeks and could not get back home to the US and did not have to my check books or online login to pay my credit card because my laptop was smashed in the accident and my login info was stored on the notes in my laptop and autosaved in my web browser, so I did not have access to this info when I was XXXX. I requested from Citibank to understand my situation and remove the " 1 month late payment '' reported on my credit history, but they refused to take action. However, XXXX XXXX XXXX XXXX understood my situation and they amended their records to remove the 1 month late payment they had similarly imposed on my account with them. I do not understand why Citibank can not understand this matter!!!??? 
Before XX/XX/2016 and after that month, I have been running my account in a pristine manner and have run my 2 accounts with them without ANY late payments at all ( my credit score of XXXX at present ).

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 2018-04-18
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Based on my research, examining the entire loan contract, I noticed a lot of discrepancies in the loan contract. In that contract, I am faced with predatory lending, truth lending and RESPA, I am facing hardship at the particular time, during the course of eight ( 8 ) years. I previously applied for re-financing and modifications several time and was turned down multiple times with out any recourse or explanation. Therefore, the whole entire loan needs to be fully investigated before I make anymore payments. 

Meanwhile, I would like to cease and desist all activities and foreclosure from the foreclosure law firm ( XXXX XXXX ) to be vacated until further investigations is 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 non-monetary relief
Consumer complaint received 2021-04-12
Company: Navient Solutions, LLC.
State: NJ
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:
I have over 21 closed accounts that should have been removed after they were closed. I have made multiple phone calls trying to get this solved and no answer. That was the agreement. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: AES/PHEAA
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: Problem with personal statement of dispute

Complaint:
I've requested XXXX XXXX XXXX to dispute the negative, derogatory past history on my account being that the account is current and any issues were satisfied. However they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 90 days past due on XXXX XXXX - partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-01
Company: EQUIFAX, INC.
State: OH
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:
I have disputed a chapter XXXX bankruptcy shown on all 3 bureau reports 2-4 times over the past 1-2 years. They all say they confirmed and it will remain on my credit. I know they are lying and did not confirm, as i do NOT have a chapter XXXX. This has negatively affected my credit for the past 3+ years. Thus my complaint is against equifax, XXXX and XXXX for inaccurate and unfair reporting practices. 
I want them to remove this immediately. Some of my accounts that I paid off even are marked as " dismissed in chapter XXXX ''!!! Its betong infuriating, years of fighting this. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: ONEMAIN FINANCE CORPORATION
State: TX
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:
I did not authorize anyone employed by One Main Financial, or the two agencies copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. Amazing inconsistencies against reality about an inquiry for a secured loan, when I do not own personal cars to secure anything. Using my mothers maiden last name for an inquiry instead of my last name, or even both ( one followed by the other ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Dynamic Recovery Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX a company by the name of Dynamic Recovery Solutions contacted my HUSBAND and informed him they were calling about an {$8000.00} debt from XXXX for me from XXXX  XXXX. have not received a call from them. I have no proof of this debt, nothing was mailed to me. I also currently have 4 accounts with XXXX XXXX. If I owed them money in the past why would they have approved me for new accounts? My debts, if this is even a valid debt should be discussed with no one but me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The convergent collection agency was calling to collect on an account I already have a payment arrangement set up with the call was unnecessary. due to already working a plan out with them. the call took place at XXXX XXXX Pacific time and ended at XXXX XXXX Pacific time the phone number they called from is 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