BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-15
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On  XXXX / XXXX / XXXX  we received an escrow statement from our mortgage company. It stated that we were short in our account due to an increase in taxes and that we would need to come up with {$4000.00} to cover the increase. We immediately called our mortgage company they said that they could spread the payment out for 60 months to cover the cost. However, this would still in increase our mortage payment. And we could end up facing another financial hardship if taxes increased in the future. We were also offered the option of refinancing into a conventional loan with 20 % down. Since we do not have 20 % for dnpymnt. They looked into our equity, and found that we do not have any equity in our home. And becuase the seller increased our purchse price by {$25000.00} it depleted any anticipated equity. They looked at possibly removing our PMI, but they found that the terms of the loan had a non-removable PMI that had been planted into the loan 2 years prior to our opening our mortgage. These were loan terms that we had not negotiated or agreed to. We purchased a new   XXXX   home in  XXXX , so obviously we could not have negotiated a mortgage that existed in  XXXX . At the time of our purchase the seller, nor the mortgage disclosed to us that we were getting what seems to be " assuming a mortgage. '' It was our understanding that we were getting a new loan with a  30-yr fixed rate. Initially this note was affordable for us, but at this point it is more than we can afford. We even tried talking to our local tax assessor office. We took the homeowner tax exemption, unfortunately, because the taxes are so high, the tax break has minimal reduction in our mortgage payment. Homes our not selling in our area, and  yet our taxes are rediculously high.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: BAM Management US Holdings Inc.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Binance.US will not verify my account. I am unable to withdraw any money from my account until my account is verified. I have submitted all the required documents and have heard nothing. I followed up by opening a ticket on their online support system and got an automated email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Byrider Franchising, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX I financed a vehicle through CNAC in house finance for Byrider. I had to put XXXX  down for the XXXX XXXX XXXX and starting XX/XX/XXXX I had to pay XXXX. I've paid them XXXX, XXXX so far via my debit card not knowing that the vehicle had title issues in Louisiana. I was given the run around for months by Byrider and they kept issuing temporary plates but no solution. They stated they didn't have a vehicle of equal or greater value to provide me. As of XXXX the manager informed me that he was very sorry for my inconvenience and asked if I could take the vehicle to the XXXX title office to get a vin number verification and with that they could work on the title issue. I've also been in contact via email with XXXX XXXX of CNAC to let her know since we entered into this contract fraudulently because I was not aware of the issue to months in the contract. I advised CNAC XXXX XXXX that I would prefer if they wrapped at least the minimum of two payments to the back of the loan until they correct the issue. As of XX/XX/XXXX XXXX XXXX wasn't on board and wanted more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Navient Solutions ; In response to complaint ID:XXXX ; Requested legally required documentation supporting the detailed information in amounts owed, etc. for student loan accounts. Was not provided within the timeframe given via direct mail correspondences. Received one letter with nothing requested other than account amounts which is unsatisfactory and required to be provided by law. Violating the Truth In Lending Act and other applicable laws. Thus lawsuit filed. Dismissed without prejudice with intent to resubmit in making corrections as per the judges recommendations. Navient states they have provided " copies '' by mail as well as supposedly resubmitted with the previous CFPB complaint listed above. No attachments provided once again. Nothing actually providing legal proof for Navient to continue with it's illegal activity in maintaining these accounts. Also threatening the consumer with emails regarding credit score decreases for nonpayment while in the process of disputing the accounts with Navient directly. The persons credit was then harmed during this process despite a formal investigation requested into the validity of the student loan accounts, amounts owed, and the legality of their ability to collect money from the consumer. FTC, FDCPA, FCRA violations. Thank you for advice in filing fraud and police reports regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Wells Fargo has closed all three of my personal accounts ( 2 checking and 1 savings ) because they said that I had mishandled a previous prepaid checking account/debit account with them about 2 years ago. When they closed my accounts ( I had a total of 4 accounts with them at the time ) they stated that the reason for the closure was due to a check that had been deposited into my prepaid account that did not clear, and so they closed my account due to that reason. I tried to explain to them that it was not due to the check not clearing but rather it was due to me going through a Chapter XXXX Bankruptcy at the time which is what had caused the issue to begin with. Nobody wanted to hear me when I tried to explain to them that this is why the issue happened and not because of a returned deposit item. I have been a long standing customer with Wells for many many years, since 2001, actually, and if this is how they want to treat a long standing good customer like myself who has stood with them through the ups and downs, then I think that is wrong and I hope that they can reconsider keeping my current accounts open with them because I have never tried to mishandle any of my accounts with them since 2001. In fact, because of the bankruptcy, I believe that I should be given a second chance with the bank and not treated like a criminal because of this issue.

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 2020-01-28
Company: Finance System of Toledo, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
FINANCE SYSTEMS OF TOLEDO IS ATTEMPTING TO COLLECT MONEY FROM ME FOR AN DEBT FROM XXXX PUBLIC LIBRARY. I RECEIVED A LETTER FROM THEM. THE DEBT WAS PAUD WITH THE LIBRARY WHO CONFIRMED THAT I DONT OWE THEM ANYTHING. FINANCE SYSTEMS SHOULD NOT BE CONTACTING ME REGARDING THIS.

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 2021-03-26
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong.

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 2017-04-18
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I,  XXXX   XXXX  am the property located at  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , CA,  XXXX .   NATIONSTAR MORTGAGE, WHO CLAIMS TO BE MY SERVICER OF A LOAN HELD BY   XXXX   XXXX   XXXX    XXXX   XXXX  as Trustee for  XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX  have refused to respond to my Qualified Written Request asking them to provide me with proof of the " person entitled to enforce, ''  (   XXXX   )  or that it was someone who held some ownership or other interest in the Note.  See In   XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX ,  XXXX  (   XXXX   XXXX   XXXX .  XXXX  ). They have repeatedly refused to set forth any documentation demonstrating that they are the holder of a secured loan on my property or the loan that allegedly secured by my property ; yet, they continue to attempt foreclosure without compliance.   I have served several Qualified Written Request upon these entities specifically requesting detailed transaction and full disclosure of the  XXXX .   On  XXXX   XXXX ,  XXXX  there was a full reconveyence recorded on the title of my property. Yet, Nationstar Mortgage continues to pursue a foreclosure sale outside of the law governing foreclosure and statute of fraud.   A genuine mistake, error or fraud was committed. The alleged Foreclosure  Sale is  based upon fraudulent and forged documents that can be proven. There has never been any assignment of deed of trust or properly recorded substitution of trustee, who is attempting to conduct foreclosure sale.   The gravamen of this case is the invalidity of the notice trustee sale by alleged trustee that was not properly substituted and the alleged servicer never acquired assignment of the deed of trust in order to foreclose. All documents used by the alleged parties foreclosing are forged, falsified and can not be confirmed.  ( See a ttached Qualified Written Request and Agreement Letter from Congressman  XXXX   XXXX ,   XXXX   XXXX   California and Recorded Full Reconveyance attached hereto ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: VA
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:
credit bureau and company XXXX XXXX violated hippa law with documents they sent, and did not send verification of debt as requested. Company stated would removed from my credit reports and all bureaus did not follow as said it will. I have reached back out to both the company reporting XXXX XXXX on my credit report and the credit bureaus and no response or resolution of the items deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RE : complaint number XXXX Today I received a copy from Nation Star Mortgage showing the fees that I 'm being charged for. First of all in XXXX 2006, my mortgage company was XXXX XXXX XXXX. I filed for bankruptcy on XXXX XXXX, 2006, because I was laid off from my job and was only working part time until I found a new full time job. I did receive a letter from XXXX XXXX XXXX stating that I had 90 days before my home went into foreclosure. I then contacted an attorney and the foreclosure was STOPPED because I filed for bankruptcy. THERE WAS NO SHERIFFS OR ANY OTHER FEES THAT WAS CHARGED WHEN WE WENT TO COURT IN FRONT OF A BANKRUPTCY JUDGE! I can either contact my attorney or the Federal Bankruptcy Court to prove that these fees were NOT REQUESTED BY XXXX XXXX XXXX. These are NEW ADDED FEES that XXXX XXXX and or Nation Star have just added. XXXX XXXX  was n't even the lender of my account in 2006. Why are these new fees coming up after 11 years. I have my bankruptcy discharge papers and I can prove that these added fees were not on my papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Consumer Adjustment Company Incorporated
State: AR
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:
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with an account listed as Consumer ADJ Co and validation was requested in the form of a dispute on XX/XX/2023 as this was an account that I did not recognize. I have not received any correspondence from the creditor to validate this account as correctly belonging to me nor has my credit report been updated to reflect the account being disputed. I sent a second validation letter out today ( XX/XX/2023 ) requesting validation of this debt because it does not belong to me. Please remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX for XXXX XXXX Bank for {$750.00} has violated my rights 15 USC 1681 Section 602 ( A ) states I have the right to privacy. 15 USC 1681 604 ( A ) Section 2 also states a consumer can not furnish my account without written instructions by me.

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 2019-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On my Bank of America Cash Rewards credit card, I noticed two fraudulent charges on my statement. I noticed the first charge on XX/XX/2019 and reported it to Bank of America and thought that was all. But upon further inspection of my bill, I realized there was another fraudulent charge made in the amount of {$350.00} which is not a small amount. I have received a letter from the bank stating that I have won this dispute and that the money would be credited to me. It has been 20 days and there is no sign of the money that I have been promised. This is not a small amount so it is dragging my available credit down. I have called the bank multiple times and spoken to multiple specialists who have told me that they will put in reports and escalate it to no avail. I have had nothing but positive experiences with this banks fraud services except for this one. It has been 20 days and there is no sign of my money. The letter was dated XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-11-30
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I am invoking specified remedy as a consumer and the original creditor Zero out any account balance Provide the XXXX XXXX of alleged debt Delete this alleged debt from all Consumers Reporting Agencies Provide an authentic signed contract between you, Collection agency, and XXXX XXXX showing proof that you and XXXX are now or were at one time in business together and other supporting documentation that gave rise to the alleged obligation XXXX is claiming owed. 

An authentic invoice for goods and/or services you provided

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reason to believe that my XXXX year old son has had his Social Security Number compromised. I am getting five to ten phone calls a day for him to help fix his credit, pay his bills, people claiming to be the IRS, etc. I also started receiving credit card approvals in the mail, and credit applications for him. I am filing a police report, and also will be contacting all three credit bureau 's, and the Federal Trade Commission.

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 2023-05-14
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
There has been a lot of misuse of my consumer report due to fraud. I need to update my personal information to have an accurate credit report. This is not the selling of my name " XXXX XXXX '' " XXXX XXXX XXXX '', my name is ONLY spelt XXXX XXXX or XXXX XXXX XXXX. My phone number is not " XXXX, XXXX, XXXX '' my phone number is only XXXX. My address is NOT " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. My address is XXXX XXXX XXXX XXXX XXXX FL XXXX. My employer is NOT " XXXX XXXX, XXXX, XXXX, XXXX XXXX ''. My employer is XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
To whom it may concern : I, XXXX XXXX, am writing this letter to lodge a formal complaint against Chase Auto Finance. 

For five years, Chase Auto Finance has refused to pay me over XXXX XXXX dollars : On XX/XX/XXXX, I received a loan from Chase Auto Finance ( herein referred to as Chase ) to purchase a XXXX XXXX XXXX. The total loan amount was {$62000.00}. Because the vehicle would be purchased out of state, the loan was to be disbursed in the form of two checks, one to the dealership for {$59000.00}, and the other, for tax and title, to the XXXX XXXX XXXX XXXXXXXX for {$2100.00}. I received the check for the dealership but never received the check for the tax. 

After about 3 months of calling Chase trying to get the second check from them, I was forced to pay the tax myself, as my temporary registration had expired. Even after I paid the tax myself, I continued to contact them via their phone support. Over the next 6 months, I was told multiple times that my issue would be resolved and that a credit for the amount would be applied to my account. Believing that the issue had been resolved and that my balance had been adjusted to reflect the correction, I stopped contacting them. 

Starting in XXXX of XXXX, when my loan had approximately 5 payments left, I realized that absolutely nothing had been resolved and no credit had ever been applied. I started contacting their phone support again. Each time I call, I am once again told that my case will be resolved within a few business days or to call back in a few days or that a representative from Chase would contact me. 

Each time I talk to them, they request proof of sales tax payment, which I have sent three times now, via fax and email. I don't see why they need proof that I paid my own taxes, when they never sent me the check for the tax. They have also requested a copy of the vehicle title, which I have sent multiple times as well. Again, I don't see how a copy of the title would help them pay money they owe me. On every single call, I am assured that my case will be escalated and that the matter will be resolved within a few business days. 

After no less than six, thirty-minute to one-hour phone calls in the last 3 months, as well as countless other phone calls earlier on, the issue has still not been resolved and now I am receiving threatening letters from Chase stating that my account is past due, that my vehicle will be subject to repossession, and presumably that my credit score may be affected. My frustration with Chase can not be overstated. 

After 5 years and countless opportunities to address this situation, I feel that this is at the very least a violation of banking regulations and at most illegal and fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Capital One let us cash a fake check that someone sent to us and put the money into our account. Because the money entered our account, we thought that the check was valid. So then we sent a portion of the money received to the person who sent us the fake check as they claimed that it was for moving fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX  took money from my account and Wells Fargo allowed it

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