BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-06
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
The XX/XX/XXXX, Truist/SunTrust Bank ( STB ) denial letter has now added a new requirement : file a report with law enforcement. The XXXX previous STB letters ( XX/XX/XXXX and XX/XX/XXXX ) only stated to call them for any documents that were used in decisioning your claimwhich we did on XXXX previous occasions. On XXXX XX/XX/XXXX, XXXX we file an XXXX Police Department Identity Theft report ( attached ). So we are again requesting the any documentation that was stated in their letters to be provided to us. 

References : STB XXXX XXXX, and CFPB Case XXXX, and XXXX Police Department report 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 2023-09-05
Company: AMERICAN EXPRESS COMPANY
State: ME
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I used my AMEX H-Y Savings Account to pay off my balance ( {$780.00} ) due on XX/XX/2023. I erroneously entered one digit wrong, so Amex charged me a late fee ( which they reversed ) and interest charge of XXXX XXXX ). On XX/XX/2023 I was notified by Amex, so I immediately contacted Amex to fix the problem. AMEX refused to refund the XXXX XXXX interest charge. 
I paid in full my XX/XX/2023 balance ( {$1800.00} ). For my XX/XX/2023 statement, I noticed that AMEX charged me interest ( {$23.00} ) because their system automatically charges interest on any balances AFTER a LATE FEE has been assessed on the credit card and for the NEXT TWO BILLING CYCLE, even though I have paid off my XX/XX/XXXX statement balance. 
AMEX is ILLEGALLY charging interest on charges made to a credit card WITHOUT notifying the consumer ( ME ) and before the statement due date ( without any notification, ie., no statement ). 
I want my {$23.00} interest reversed by AMEX and I want CFPB to assess fines on AMEX illegal business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I can not receive any of my financial information. Regardless of my accounts, I still can not see or recieve any information. I have been treated awful and I can not understand why I am left in the dark regarding my own life and financial health. Us bank gave incorrect deposit information, closed account without notice. XXXX XXXX  XXXX and XXXX  will not allow me to obtain any information regarding my accounts.

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 2019-03-30
Company: JPMORGAN CHASE & CO.
State: FL
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 hope this finds you well. 
My problem is with Chase credit card company. I had a credit card account that was in good standing starting in year XXXX ( {$4500.00} limit ). I shut the account down in XXXX because I could not afford excessive interest rates. I contacted Chase to make payment arrangement ended up creating a settlement with Chase CC, paying them 50 % of amount in XXXX they will not remove from my credit report and have inaccurately captured a XXXX date that is meaningless. I feel this is hurting my credit and my potential background checks with employers. I also feel Chase is doing this on purpose. I have asked for explanation and disputed on credit report. They do not respond to me.

Chase Credit Card Account Number is not available and the credit report shows closed XX/XX/XXXX. Last touch of XXXX is not possible. Chase is wrong in the record reporting. Please let me know what else I can provide. 

Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Navient Solutions, LLC.
State: MA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My car was broken into. My phone and wallet were stolen. Transactions were being made with my phone and card for over 2 weeks before I noticed. I filed a police report and alerted the bank I have yet to hear back from them other than theyre closing my account. This still doesnt resolve the problem of over XXXX dollars being stolen from my account.

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 2022-01-20
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
An old out of statute of limitations debt is reporting inaccurately by this bank. The bank ( Comenity ) sold the debt for pennies on the dollar to another debt buyer ( XXXX  ) XXXX years ago. However, both XXXX and Commenity are reporting a different amount of the actual debt since than the last bill was sent XX/XX/2018 and then charged off in XX/XX/2018 ( see documentation ). 

Last amount before chargeoff on the bill - XX/XX/2018 : XXXX Charged off amount reporting by Comenity and XXXX : XXXX The documentation was provided to me by XXXX, however, even so still they are reporting inaccurate information in violation. Comenity, the original creditor, is also reporting different charge off dates last date of payment date on XXXX XXXX : XX/XX/2018 last payment on XXXX : XXXX last payment on XXXX  : no data the reason for this is possibly because Comenity never applied a payment I made of {$150.00} in XX/XX/2018 to bring the account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: SLM CORPORATION
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
They were not willing to look at my solely income to come up with a flexible payment instead they are using my co-signers income to base my monthly payment which they should only use mine. The representative was rude with me and my co-signer as well. As well as the representative told me that I only had one option. This is jeopardize my financial stability. It appears Sallie Mae is trying to set graduates from school with failure, that is how it appeared with service from representative. My monthly income is XXXX not including my daily living such as rent, car insurance and daily necessities and still is causing XXXX XXXX. The representative only said it was going to last 12 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I spoke with the Executive Office of Santander on XX/XX/XXXX! @ XXXXXXXX XXXX They reviewed my account XXXX of XXXX XXXX XXXX XXXX XXXX and confirmed payments, and released the title in our 1 hour and 27 min phone call. The check for the full payoff was received in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: SANTANDER HOLDINGS USA, INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Santander consumer USA are predatory lenders. I bought a {$12000.00} used vehicle and so far have paid {$15000.00} in interest and only {$10000.00} towards the principle. I still have another {$5500.00} to pay until the vehicle is paid off. They also have messed with my title. I originally purchased the vehicle in Florida and moved to Tennessee. Tennessee had sent them a letter asking for the title and the still have not provided Tennessee with the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charges an interest fee of over {$500.00} plus a monthly interest rate that accrues daily. I was told i would be interest free for 1 year. I was not told it would be interest deferred. Now it seems that the Best Buy Visa card ( provided by Citi Bank ) is double charging me interest payments. On which is being added as the yearly rate to be paid in full of over {$500.00}, and the other is the expected interest rate attached to the principal payment as a monthly fee. I called the company they said they will not send me the agreement form and that I could go to best buy and ask them for it. The company said that they will not remove the fee and i am expected to owe them the additional XXXX XXXX as it is interest owed for not paying interest for a year. I told them it was supposed to be interest free they said I was. They also said since I didn't pay the card down the were back charging me for the interest. I explained that is interest deferred not interest free. 
This seems like deceptive trade practices and I'm certain I'm not the only person they have done this to. This additional fee of over {$500.00} is un acceptable and needs to be corrected. I understand the minimum amount increasing due to interest kicking in however I should not be charged an additional years worth of interest on top of the expected monthly interest fee.

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 2022-10-19
Company: EQUIFAX, INC.
State: TN
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: Didn't receive services that were advertised

Complaint:
I understand that XXXX, XXXX and Equifax assumed a vital role in assemble information on me as a federal protected consumer. XXXX, XXXX and Equifax is impeding the banking system. XXXX, XXXX, Equifax is not invested in ensuring that my credit report is fair and accurate 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). You ( XXXX, XXXX and Equifax ) are impairing the efficiency of the bank system. I have lost confidence in the system because the system is not vested in ensuring accurate consumer reporting. I didn't give permission to report the following information which puts you ( XXXX, XXXX and Equifax ) in violations. I didn't give you permission to report late payments, charged offs, inquiries, bankruptcy, etc. Please remove these items immediately not later than 4 business days 1681 ( c ) ( 2 ). I never gave consent to E Oscar verification. Agency is not suppose to rely on the information provided by the furnisher of that item when doing an investigation. They have to do a independent investigation of the information being reported. They suppose to conduct personal interviews. They must notify me who they're going to contact to conduct these interviews 15 USC 1692 ( b ). 15 USC 1611- Criminal liability for willful and knowing violation. XXXX has cause intentional infliction of emotional distress, invasion of my privacy, fraud, negligence, breach of duty and conversion ( use of information without permission ). I will like to sue for compensatory damages, punitive damages, injunctive relief and emotional damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Two checks I sent were cashed but not posted to the account. I do not know what they did with the money. I filed a complaint with the Office of Consumer Protection of XXXX County, Maryland ( XXXX ). They have all the information. and sent 2 letters to Chase but got no response - I had also sent two letters but no response except for more statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-04
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Credit reporting 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 an account on Santander that isn't mine and needs to be deleted immediately. I have disputed it and it still remains on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am currently in a chapter XXXX bankruptcy plan since XX/XX/XXXX. Lakeview Loan Servicing LLC is trying to take steps to foreclose on my primary residence. On XX/XX/XXXX, they filed a motion for relief from the automatic stay in bankruptcy court showing that I was 120 days past due and owed {$5700.00}. We have provided them evidence and proof of payments showing that I was less than 90 days past due and only owed {$4200.00} as of XX/XX/XXXX. We have also sent them proof that as of XX/XX/XXXX, I have brought my account current and am no longer past due. However, due to issues with their accounting systems, they continue to show that I am past due and continue to pursue the motion for relief so they can foreclose on my home. In my opinion, they intentionally mislead the bankruptcy court by submitting the motion for relief by showing that I was 120 days past due when I was not as the regulations set by the Consumer Financial Protection Bureau ( CFPB ) state that foreclosure proceedings should not begin until the consumer is 120 days or more past due. The CFPB also regulates how mortgage servicers use the suspense account. Lakeview Loan Servicing LLC is also abusing the use of the suspense account. The only time a payment is to be placed in the suspense account is if an underpayment is sent or overpayment is sent. However, ever since I have filed bankruptcy, according to the account ledger that the mortgage servicer sent us, every single payment that I have made, even if it was the exact dollar amount of my monthly payment, was placed in the suspense account instead of immediately being applied to my balance due. Furthermore, even when partial payments were sent and when there was enough funds in the suspense account to equal a full months payments, the funds were not immediately applied to my balance as the CFPB regulations require and were held in the suspense account for a extended period of time. 

Furthermore, while in bankruptcy, Lakeview Loan Servicing LLC increased my monthly payment without any notification to me, my lawyer, or to the bankruptcy trustee. That is a violation of bankruptcy laws as bankruptcy rule 3002.1 requires the mortgage servicer to provide at least 21 days notice to the consumer, their lawyer, and to the bankruptcy trustee regarding the increase in payment and the cause for the increase in payment. This notice was not provided by Lakeview Loan Servicing LLC and as of yet, they have not provided an explanation as to why they failed to provide this notice.

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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX attempt to dispute the information in my credit file which resulted from alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant to FCRA section 605B ( a ) ( 1 ) ( 2 ), you are required to remove any information in my file that resulted from alleged identity theft, not later than XXXX business days after the date of receipt within ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX XXXX XXXX : {$11000.00}

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 2018-04-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I received a paystub from Wells Fargo, for money owed to me. Paystub states check date of XX/XX/2018, for deposit to my checking account. It was not direct deposited. I called payroll, who told me to call another department. After 7 calls, an outside vendor confirmed that the money was disbursed to Wells Fargo for further payment to me and sent me back to payroll to find out why it was not deposited. Payroll sent me back through the same calls. I do not have my money. Previously, another complaint about Wells Fargo. They paid me, then sent a dunning letter, telling me they had overpaid me and demanded the funds back. I don't know if this is similar situation where they tell me it is my money and then take it back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting 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:
Upon reviewing my credit report from XXXX, XXXX and XXXX I noticed two recent credit inquiries made by Chase Bank on XX/XX/XXXX and XX/XX/XXXX. These inquiries were made without my consent or knowledge. 

I would like to clarify that I have not initiated any credit applications or transactions with Chase Bank during the time frame indicated in the inquiries. My account has been closed and i am not able to bank with chase. 

These unauthorized credit inquiries have the potential to negatively affect my credit score and overall creditworthiness, which is a matter of significant concern to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, Borrower 's notification to Wells Fargo Home Mortgage as to their response made pursuant to Real Estate Settlement Procedures Act ( RESPA ), as to documentation of invoices paid by them to to their Attorneys as foreclosure fees and cost in the amount of {$4400.00}, which said foreclosure proceedings were commenced on XX/XX/XXXX, and full mortgage reinstatement amount of {$25000.00}, was paid on XX/XX/XXXX.. 
Accordingly, said entitled mortgage foreclosure proceedings was never completed, and their Attorney 's Validation Notice calculated Attorneys Fees and Costs to be {$2000.00}, as of XX/XX/XXXX. 
XX/XX/XXXX, Wells Fargo Home Mortgage stated in its letter, among other things, " We've determined the items [ paid invoices charged to Mortgage Account ] you requested are considered to be confidential, privileged and/or proprietary information of Wells Fargo. For this reason, we're unable to provide the documents requested. '' Moreover, Wells Fargo Home Mortgage, refuse to substantiate by documentation ( i.e., receipted and paid invoices ) as said amounts were recorded in the customer Account Activity Statements -XXXX XXXX XXXX XXXX that RESPA request issue is a service related matter in the mortgage servicing documents. ( Over-stated and unearned fees paid and charged to Borrower 's Mortgage Account )

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