BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2021, i deposit {$2300.00} to my checking account on Bank of American ATM at " XXXX XXXX & XXXX XXXX, XXXX, New York ''. but the ATM only give me a reciept of {$1300.00} in total. i checked my account right away, and there is only {$1300.00} deposited to my account. i asked the people in the branch, they said i need to call the number on the ATM. they can do nothing about it. i called the umber on the ATM, and they opened a case for me and ask me to wait for them to investigate. 
on XX/XX/XXXX, i received a letter from Bank of American told me they can not approve my claim. on my apoint of view, i did put {$2300.00} in the ATM in total, but i only got {$1300.00} in my account. where the missing {$1000.00} could go. there must be a differrent when they close that ATM, how cound they just ignor that much different.

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 2019-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
TransUnion credit burea said that this debt would be removed by XX/XX/XXXX which is 7 years after the debt. When I contacted them they changed and said it will remain until XX/XX/XXXX. They also keep updating it on my credit report. The company they are reporting is 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 2021-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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 these accounts that are not mine and i want them to be removed. 



XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft BK OF AMER Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had been with XXXX for my student loans for approximately four years, until I applied to the public service loan forgiveness program in the summer of XX/XX/XXXX. I am currently employed by a county government. I wanted to see if my payments qualified under the PSLF. This apparently automatically initiated XXXX to take over my loans beginning in XX/XX/XXXX. When this occurred, I set up my account with XXXX, including automatic direct debit. I even received an automated e-mail from XXXX saying " This is a reminder that you have an upcoming payment due -- but no worries! You 're enrolled in our Direct Debit service so the payment will be automatically withdrawn from your bank account. '' Several days after this payment was due, I got an e-mail from XXXX notifying me that my payment was late. I logged into my bank account and XXXX account and nothing had been posted. When I called their customer service line I was notified that their system takes 4-6 weeks for direct deposits to begin clearing. I explained that I had received an e-mail from their system stating that the payment be automatically withdrawn. No one at XXXX ( and I spoke to three different levels of customer service ) would take any responsibility for this error.

Additionally, when my loans were transferred to XXXX, a month in my payment was skipped. I believe the interest continued to accrue, and as a result my monthly payment went up by approximately $ XXXX/month. The customer service representatives did not seem to understand that the extra $ XXXX/month was not the problem for me -- I could afford $ XXXX/month -- but that over the term of my loan, that " missed '' payment resulted in a substantially larger increase in the total loan payoff.

I was notified approximately two months later that none of my payments were qualifying for the PSLF program. This program was the entire reason that I applied, and that my loans had been switched over to XXXX. Whenever I have tried to contact customer service I have had to speak to at least three representatives, all of whom try to pass off blame to " the computer system '' or on other employees, and have been singularly unhelpful.

More recently I have sought to adjust the term of my loan from a 20-year repayment program to the remainder of what would be a 10-year repayment. Their website offers misleading, and I would claim predatory, advice regarding the total interest and payments resulting from fixed vs. graduated monthly payments.

Every time I end up on the phone with XXXX to seek clarification about why a payment was not processed, or why they took an extra month to begin accepting payments on my loan, or to ask for a status update on XX/XX/XXXX tax documents, it is a very long wait to reach an operator, and then the customer service is not helpful either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Im a victim of identity theft and these Are the inquiries that occurred from the theft XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXE XX/XX/XXXX XXXX & XXXX 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 non-monetary relief
Consumer complaint received 2022-08-13
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
My information was leaked in security breach and I have to be a victim of identity thief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Receivables Management Partners, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection company, rmp Services llc have been attempting to collect a debt in the amount of {$3100.00} which has also been placed on my credit report. I have been unaware of said debt until recently checking credit reports. I have had no communication with this company nor have I received any services from this company for the company to allege that I owe them this debt. This company has failed to provide proof of services they have rendered to me. Please remove debt from any and all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My credit report shows a lot of accounts that were opened as a result of someone applying under my name and credit information. I called XXXX XXXX several times to report this crime but they have not closed this fraudulent account. In addition, I have provided them with a police report, yet they continue to still leave this account open, enhancing new opportunities for more fraud.

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 2018-01-17
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Loan 1 : Original Loan Amount- {$32000.00} Current Amount Due- {$68000.00} Disbursement Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 11 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 2 : Original Loan Amount- {$12000.00} Current Amount Due- {$23000.00} Disbursement Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 11 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 3 : Original Loan Amount- {$5000.00} Current Amount Due- {$8700.00} Disbursement Date :XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 11 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 4 : Original Loan Amount- {$4500.00} Current Amount Due- {$7500.00} Disbursement Date :XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 11.125 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 5 : Original Loan Amount- {$5300.00} Current Amount Due- {$10000.00} Disbursement Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 14.375 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 6 : Original Loan Amount- {$3000.00} Current Amount Due- {$4700.00} Disbursement Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 13.125 % Variable Original Provider : XXXX XXXX Current Provider : Navient ** Complaint : Multiple forbearances forced on borrower and borrower not made aware of implications pertaining to interest. Also implications of interest during in school deferments not explained to borrower. Borrower feels interest accrued is too much for original loan amounts borrowed. Original loan amounts borrowed : {$63000.00}. Current owed on all loans : {$120000.00}. Total interest accrued since repayment start date of XX/XX/XXXX : {$60000.00}. Borrower not given alternative methods of repayment to avoid deferments or forbearances.

Additionally, cosigner release requested numerous time over course of loan. Was told 12 on time payments of principal/interest needed to occur for cosigner to be released. Payments made consecutively for 26 months ( XX/XX/XXXX-XX/XX/XXXX ) prior to in school deferment and cosigner still was not released.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PayPal is attempting to collect an alleged debt that I do not owe. I entered into a consumer credit transaction, not a loan. They did not inform me that this was an attempt to collect a debt in our initial communication which is violating 15 USC 1692e ( 11 ). They are sending me a bill in the positive amount. I can not owe something that has a positive balance.

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 2019-02-11
Company: Ameritech Financial
State: IL
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 was told that I needed to sign up with the company for a loan forgiveness plan. I have been paying the company American Financial Benefits Center since XXXX and none of the money paid went to paying off my loans as I was told it was. XX/XX/XXXX until XXXX of XXXX I have been paying {$99.00} to AFBC for nothing. The first 9 months of the plan I was paying them {$190.00}, totaling in about {$4500.00} I have paid to the company for absolutely nothing.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-29
Company: WELLS FARGO & COMPANY
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Some one opened a Checking account with Wells Fargo under my previous married name. I was able to get into the account, change the password and contact Wells Fargo and report it as fraud. I received the debit card in my mail last date, which worries me that the subject may be someone I know and will be coming by my house to retrieve the debit card. User name used to open the account is XXXX. So far Wells Fargo has taken the steps to correct the situation.

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 2018-01-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a Home Mortgage with Chase and was approved back in XX/XX/XXXX. The mortgage was scheduled for closing on XX/XX/XXXX at XXXX XXXX Despite repeated numerous messages and emails from Chase that " nothing further was needed at this time '', I was contacted on XX/XX/XXXX at XXXX XXXX to tell me that Chase was not ready to close as they had been unable to verify my employment. Though this was the first that I heard about this being an issue ( as Chase had not mentioned it to me the 3 times that I spoke to them on the phone in the week leading up to the closing ), I was able to get my employer to verify my employment immediately.

We then had to wait until approximately XXXX XXXX for Chase to send over the closing documents. This delay was due to the fact that Chase had failed to send over any figures to the closing company until XXXX XXXX on the morning of the closing. They first sent me a preliminary closing disclosure about a week before the closing. The disclosure was inaccurate as it failed to include the {$7000.00} in credits the Seller had agreed to provide due to issues being found during the home inspection. Chase claimed that it was unaware of such credits, though my attorney had emailed Chase the documents back on XX/XX/XXXX. I never saw a corrected closing disclosure prior to the closing.

The initial closing disclosure I signed indicated that I needed approximately {$76000.00} to close. At XXXX XXXX. Chase contacted the closing company to state that the closing disclosure was wrong and that they would be sending over a new one. I then proceeded to wait until shortly after XXXX XXXX, four hours after my closing started, to receive a new closing disclosure, which now stated that I needed approximately {$78000.00} to close - an additional {$2300.00}. The reason for the change was : 1 ) Chase had incorrectly calculated the per diem interest on the first closing disclosure ( the correct amount was almost doubled ) and 2 ) Chase was disallowing the remaining balance of the {$7000.00} in credits the seller agreed to provide ( this amount was {$1800.00} as the rest was used to pay for the closing costs ).

I was not able to get anyone from Chase on the phone to discuss this issue until XXXX XXXX At that point in time, Chase could not answer why they were disallowing the additional credits, nor why this issue was coming up for the first time 4 hours into my closing, despite Chase being aware of the credits for over two months. Accordingly, I had to pay {$1800.00} above the amount that the seller and I agreed on for my house, simply because Chase said so ( but could not explain why ). Keep in mind, this is on top of the {$2500.00} in fees and charges that I had to pay to Chase for my mortgage.

Despite writing numerous emails to Chase about this issue, I have not had the courtesy of a response. Keep in mind that I have been a Chase customer for over 8 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I contacted PennyMac to have our house assessed to have our PMI removed. In XX/XX/XXXX, our house appraised at {$350000.00} Since that time we have added a new roof, a new water heater, a new furnace, we have put in a {$2000.00} fence in the back yard, and housing prices have risen in general. We asked PennyMac to do a BPO and were told that someone would drive by and look at the front of our house and the back of our house from the outside and that the person would also pull comparable for houses in the area. The first time the BPO happened, the amount came back at {$320000.00} Upon closer inspection, it appeared the person who did the BPO did not even take photographs of the correct house, but instead photographed our neighbors house. In addition, all of the houses that were pulled as comparables had far fewer square feet and almost all of them were much older houses than ours, one up to 18 years older. We pulled some of our own comparables from our area that more accurately compared to our house and sent them to PennyMac, which put the value closer to {$400000.00}. In addition, we notified them that the BPO had taken photographs of the wrong house. We received a letter from PennyMac indicating that they were not going to change the BPO amount. It is preposterous to assert that our house value has gone down from XXXX to XXXX in the current market. Furthermore, the BPOs own document puts the average sale price in the last 3 months for comparable houses at XXXX. We believe this is a systematic problem with PennyMac in an effort to unnecessarily collect PMI when it is not appropriate. Our house only needed to appraise at {$360000.00} to have PMI removed and it is unfathomable that it would n't come back at that amount. What PennyMac is doing borderlines on fraud. After further research it appears that this is being a problem nationwide where mortgage companies are forcing the use of their own selected individuals to do BPO and appraisals and they are routinely and conveniently coming back under the amount necessary to remove PMIs. I ask the CFBP to investigate this systemic and nationwide problem so that consumers are not at the mercy of these corporate companies who have an incentive to keep the PMI in place. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I have been trying to get ahold of Equifax by speaking to a live XXXX XXXX XXXX to resolve an issue regarding the retrieval of a PIN that was given to me when putting a freeze on my account, so that I can continue setting up my XXXX under XXXX XXXX. The issue is that I set up an account with a different credit company and do not have the PIN that was given to unfreeze my account. My credit is unfrozen, but XXXX still needs the PIN to proceed further, but Equifax DID NOT give me a number. While trying to get ahold Equifax, it takes you straight to an automated person to handle your business, but nothing was handled. After I gave my personal information, they claim that there is no record found, and that they will mail me out a letter with a recovery PIN ( or something along the lines of that ). I do not have the time to wait for something in the mail that will take a week when I can get it over the phone. My biggest issue is the fact that Ive been waiting to speak to a live XXXX XXXX Equifax for TWO HOURS! Not to mention that I had been trying to get ahold of them since yesterday ( XX/XX/2021 ) This is currently happening as I write, and Im currently missing work just to get a PIN. This is extremely unprofessional of this company to not have a better customer service line to help with these kinds of problems. If I would have know that placing a freeze on my credit was not for the greater good, then I wouldnt have done it. Absolute worst credit company, nothing has been done, and my life is being XXXX by this as I sit here and write.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/21 I went to Wells Fargo to post collateral into my checking account with a legal line of credit/security agreement from a private lender and spoke with Bank manager XXXX XXXX and upon reviewing the collateral he stated that Wells Fargo does not except the security although it's a legal document because they have no legal representation in their bank. Per Ucc Article V as long as the line of credit meet the requirements of law and facially does not go against the standard usage of such collateral used by institutions it is acceptable. I'm filing this complaint because it's racially motivated and such action should not be tolerated.

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 2018-01-17
Company: Debt Recovery Solutions, LLC
State: OH
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 filed complaints with the BBB on this company. It continues to report an unvalidated account on my credit reports. I have tried calling them but they wont discuss this over the phone. They kept asking for payment. I sent them a debt validation letter certified mail, in response to their initial demand letter but they ignored it and continue to report negative on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Experian Information Solutions 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:
experian has done nothing to my FTC violations with all the proof giving

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