BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-31
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell behind on our mortgage in XX/XX/2018. Our boiler broke, our dog got cancer and then they also raised our payment significantly over escrow shortage. So we missed a payment. They put us on a four month repayment program which was way too aggressive. I spoke to them in XXXX and they encouraged me to apply for a modification. Rep told me youre entitled to three and you have XXXX coming. He looked at our finances and said I dont know why they even tried this plan with you. So, we figured wed apply right after XXXX. We were still one month behind. I forgot that I had automated a payment for XX/XX/XXXX which somehow the bank cleared and it put us $ XXXX in arrears. Then the bounced check fees that piled in after - over {$800.00}. Then they mailed us a trial mod without even applying for XX/XX/XXXX. I called and said we cant do this. They said well get back to you and then they sold to mr. cooper. Mr. cooper couldnt give me any info until mid XXXX at which point they said the trial mod was still on the system. Wait until it clears out XX/XX/XXXX. XX/XX/XXXX they told me it still hadnt cleared out, but the problem was we werent paying anything. To make a payment by XX/XX/XXXX and then they would get approval to extend the modification. Well we did that and come XX/XX/XXXX it clears out of the system and I call the first week in XXXX and they say the modification is rejected for missed payment. Then they tell me they can resubmit for a modification, no promises. I still dont need to submit any paperwork! Well I logged in everyday and today I see modification is denied. I call and they have to transfer me to underwriting because they cant even understand the reason. Get a snippy underwriter on the phone who tells me the reason is they can not lower my interest or payment anymore. I tell her that that is not what we needed. We just needed to get caught up and she tells me thats not what a modification is for? I said well then why did they have me apply and what kind of help is this and she says theres nothing else mr cooper can do. Still have never submitted any documents! Every time I call and speak to someone they tell me something different or that someone will call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Numerous unaurhorized atm withdrawal from my bank if America debit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Square Inc
State: FL
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:
Hi i requested a dispute on XX/XX/XXXX for services i paid for but were not provided to me. 

On XX/XX/XXXX and after calling several times on XX/XX/XXXX, XXXX XXXX bank said there is no way they can help me with a dispute because the transaction was done with Square and XXXX XXXX don't have any dispute rights that the only company that could help and i should call is Square. I called Square and they said is incorrect that they were not able to help and this is something XXXX XXXX has to dispute, i kept calling XXXX XXXX and they keep referring me to Square since they are the only company that can fix this according to them. 

Square and XXXX XXXX are both violating my rights and they just dont care, XXXX XXXX said they dont have dispute rights. I was a victim of a fraud, if Square is the one that has to initiate my dispute i need them to help me with this and i need your help also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: MARINER FINANCE, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX I contacted Mariner Finance via phone in their XXXX, OH office at XXXX. I spoke with Branch Manager XXXX XXXX who took the initial application and ran my credit report. After pulling my credit report she then interrogates me like a detective to ask why this debt was in collections or why this debt was charged off, etc. When you offer a valid explanation, they do n't think its a good explanation and they keep criticizing you like they are much better then you. The problem is to that when they pull your credit report not all the information they obtain is accurate and you should n't have to explain yourself to them, its as if almost they do n't believe you and think your lying. I have proof to back my stuff up. Well, anyhow I called Mariner on XX/XX/XXXX to get the status of my application and I was advised it was denied. Why was I denied I asked, I was told it was denied because of the past delinquent credit obligations and I WAS ALSO DENIED DUE TO PREVIOUS JUDGEMENTS THAT WERE FOUND ON PREVIOUS APPLICATIONS AND CREDIT REPORT. HOWEVER, ALL MY JUDGEMENTS HAVE BEEN SATISFIED AND HAVE BEEN REMOVED FROM MY CREDIT REPORT. When my credit was ran on XX/XX/XXXX, there were no judgements reporting. However, XXXX XXXX advised that a previous credit report was used to determine my credit worthiness and found several judgements on a previous application. How is it legal for a company to use an outdated and erroneous credit report? I spoke with XXXX from the XXXX, OH Mariner Finance office on XX/XX/XXXX and questioned him with, how can you use false information from a previous credit report that is not current, and not up to date, XXXX never answered the question. He avoided the question by all costs. I have applied with 2 other financial institutions outside of Mariner Finance and have had a positive experience and was even approved for a non-collateral loan. Mariner is a subprime lender only looking to loan to Excellent Credit candidates. What I mean by that is, they want to rip off candidates with high credit scores. Mariner Finance needs to accept they are a subprime lender and not a prime lender.

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 2019-06-08
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Citibank changed their policies on charging monthly fees. They started charging me {$25.00} / month. Many months went by before i noticed. I tried multiple times to telephone them. They have a completely incompetent call center in XXXX that disconnects the line, gives misinformation, etc. You always spend 1 hour trying to call them. After tiring of how poor their service is, I moved to close the account. As part of  that process, I said that I needed to download my checking account statements to save them for my records for taxes, etc. They said I could do so, that my online account would remain open. I went to feed my children lunch and have just returned to the computer and can not access the statements. i contact citibank on " chat '' and they claim i can not access statements. the people in " chat '' take no responsibility for what i've been previously told. after paying {$25.00} / month i can't even get a copy of the statements! This bank is so bad it's unbelievable. I just want to get out of Citibank with my records. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Navient Solutions, LLC.
State: AR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
SALLI MAE NOW NAVIENT WAS DELETED FROM ALL CREDIT BUREAUS LONG TIME AGO. RECENTLY THEY RE-INSERTED THIS DISCHARGED LOAN WHICH SOL EXPIRED AND HTEY FAILED TO GO TO THE MEETING OF THE CREDORS IN XX/XX/2018 BK XXXX. LASTLY ARE AWARE THAT THIS DEBT WILL CAUSE FINANCIAL HARDSHIP, DUE TO THAT FACT MY HUSBAND IS XXXX AND I BEING XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am currently enrolled in the PSLF program and have made a number of payments. TWO YEARS AGO I asked for an accounting of all my qualifying payments ( because I think their counting might be wrong ). I have never received such an accounting ... I have repeatedly asked for a payment by payment accounting in order to ensure all are counting towards my 120 payments. However, I still havent heard anything. Each time I call, they promise that it should be coming soon, but nothing ... also, I may qualify for the expanded PSLF, but I cant apply until I know for sure. They are purposely not responding to me. Frankly, I think the government should go with another loan servicer. I have not been impressed with myfedloans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-08
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Kimball , Tirey & St. John LLP is collecting the wrong amount of debt ( {$450.00} ) on XX/XX/XXXX and they never provided me with any documentation to back up their claims They do this on behalf of XXXX XXXX Apartments in XXXX XXXX California

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to XXXX XXXX in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act,  Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
TD Bank issued me a credit card with rewards promised based on purchases made with the card. I earned points to qualify for {$220.00} in cash back or gift cards. On XX/XX/2018 I placed a phone order for two {$100.00} and two {$10.00} gift cards for XXXX that totaled {$220.00} which I never received. TD Bank sent them to the wrong address even though I confirmed my correct mailing address with TD Bank when I placed the order and several times prior to placing the order. Several months ago, TD Bank promised to credit my VISA account {$220.00} representing the gift cards I never received for the cash back rewards I earned as agreed. I still have not received the gift cards or the cash back rewards of {$220.00} as promised by TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: EQUIFAX, INC.
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 have 4 US DEPARTMENT OF EDU Reported : XX/XX/2019 Accounts listed the amounts should be XXXX and they are also too old to be on my account as well.And I have DEPT OF ED/XXXX  Reported : XX/XX/2019 account with lates that werent late but the account is also too old to be on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received this card as a reward for purchasing XXXX XXXX dog food. The card expired on XX/XX/2018. According to the cardholder agreement, although the card may expire, the funds never expire. I contacted XXXX on XX/XX/2018 to receive a replacement card, which per the cardholder agreement, would be sent free of charge because it wasn't lost or stole, but expired. I was told during said phone call, that this card expires and the funds expire, despite the two documents stating otherwise.I also have been trying to file a complaint through this website since XXXX, but have been getting a constant error message.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2019-06-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My wells fargo rewrads credit card was closed, Wells fargo forfeited my Go Far rewards points ( about XXXX ), after several calls to wells fargo, they said there was nothing they can help me with.

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 2019-06-08
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened an account online, received a debt card and everything. One day after having the account less than 30 days the card wouldnt work. Called navy federal credit union and was told my account was under fraud review. Got transferred and was told the account isnt for use due to discrepancies while opening the account. When I ask what discrepancy, was told I can only receive that information through a subpoena. Ive never been denied a bank account. Asked multiple time what would be reasons for this and was told repeatedly I could only get it through a subpoena. Was told any funds I already deposited I could access at the bank and close the account. What in the world is going on??? I cant even log in to get the account number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
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: Information belongs to someone else

Complaint:
XXXX and transunion fail to add a fraud alert to my credit XXXX call me before issuing any credit they put a consumer statement which i never asked them to do

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 2019-06-08
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had my payroll checks deposited into my checking account, went to get money from my paycheck which was just direct deposited and they said that the money was on hold for a debt. I said they cant take 100 % of your paycheck for a debt and they said yes they could. This was in XX/XX/2015. There was only one ever successful small claims, it was to pay XXXX   XXXX XXXX for 350 credit limit which they charged me over a XXXX for but they are still trying to garnish my wages so Wells Fargo never paid them that money and there is no account of my money going elsewhere, so can I have all my illegally taken money please? I lost my job because i didnt have any money for gas and I had to pay short term loan interest rates for the next year and im still paying for debt created by them stealing and losing my money, closing my account and Losing any record of where they put all my paychecks

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 2020-11-18
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 this account and have reached out to the co

mpany/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30-days late marks which is a clear violation
of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation