BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I made a withdrawl from my savings account in the amount of {$20.00}, I was assessed a fee after the withdrawal which was back dated obviously. The ATM would not allow me to do a withdrawal if I didn't have the funds available. I do not have a problem with being assessed the fees, hitting a hard financial situation and needing to pull the funds out of my savings and paying the fee is one thing. But having the fees charged after you allow a transaction is bad practice. This all happened the same day the issue happened with my checking account which already has an open complaint. I do not like being penalized when the system/ATM/APP/and online services tell me one thing and then the next day tells me something different.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-13
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with LoanCare and have been providing documents to be reviewed for a loan modification. As of XX/XX/XXXX they confirmed they received all the documents they requested and were escalating it to the underwriting department due to the foreclosure sale date scheduled for XX/XX/XXXX. When calling LoanCare this morning, XX/XX/XXXX, they informed me that my application is still being reviewed by underwriting, however, LoanCare has not submitted the request to have the sale date postponed. This would be considered a form of dual tracking and violation of Homeowner Bill of Rights if they are stating they have everything they need but yet are refusing to postpone the sale leaving me with limited options and in a stressful situation. LoanCare has failed to provide me with either a denial ( and the right to appeal ) or an approval so therefore the foreclosure sale can not continue.

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 2021-05-01
Company: Experian Information Solutions 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:
I have received a copy of my credit report and it shows company XXXX account number XXXX. Per XXXX  I am aware that a chargeoff or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to XXXX because there is an open balance listed on my credit report in the amount of {$1200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01
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:
I have received a copy of my credit report and it shows company XXXX account number XXXX. Per XXXX  I am aware that a chargeoff or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to XXXX because there is an open balance listed on my credit report in the amount of {$1200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2019-01-18
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have a mortgage with what started out to be XXXX in XX/XX/XXXX. Since that time that company has changed their name at least 10 times. They are now DBA as Ocwen. When reporting to the credit bureau it shows up as XXXX XXXX and Ocwen. They were once known as XXXX which show in some areas on the credit report it states the account closed. My mortgage is paid up to date I have a receipt to substantiate my claim yet Ocwen has not reported our mortgage paid since XX/XX/XXXX on some and XX/XX/XXXX on others. I need my credit report corrected immediately. I am tired of this company and a few others reporting in accurate information preventing me from living a better lifestyle I am quite capable of. I have been denied credit due to the inaccurate information the mortgage company is reporting. We pay our bills on time but it appears that the more we pay our bills and keep them up to date we are rewarded wit a lowering of in our credit score. A DROP IN OUR CREDIT SCORE!!! THERE ARE SEVERAL ITEMS THAT HAVE BEEN DISPUTED THAT THE over and CREDIT BUREAUS REFUSES TO REMOVE THEM. It also appears that if you dispute an item that also goes against you. I am tired of over many years I have been held down and held back because of the unfair practices of the credit bureaus. The reports from the Credit Bureau has ruined our credit life and forced us to have to struggle with extremely high interest rate and been totally denied more opportunities than one should have to endure. 
I need my cred report updated as well as my credit score.. Please tell me how a score can be dropped 40-45 points within a few weeks for paying off a credit card and being responsible citizens

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: AES/PHEAA
State: PA
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:
I now have been enrolled in the Public Service Loan Forgiveness Program for 10 years. I should have been able to apply for forgiveness by now, but between FMLA for maternity leave, and one stretch where I did not work right after after the twins, I have to work for an additional year. At this rate, I will be on track to apply for loan forgiveness in about XX/XX/XXXX or XX/XX/XXXX. 

Here is the issue, and this is why I am writing you today. Beginning in XX/XX/XXXX, I began requesting a list of the total number of payments toward my 120 payments from XXXX, the current servicer of my loans. Between XX/XX/XXXX and now I would say I have contacted XXXX on more than 10 different occasions to follow up on this request. When I inquire about the request made in XX/XX/XXXX, I simply get the response your request is still being processed. I am VERY concerned that this will result a delay in my loans being forgiven. 

Now, another issue has come up. When I went to look at my history of payments on the XXXX XXXX website today, I only saw about 47 payments posted. All the payments I made in XX/XX/XXXX are missing. In late XX/XX/XXXX I was told that after they calculated by income based payment, my monthly payment was {$0.00}. I couldnt believe this and was very skeptical. I asked MANY times you are telling me that a {$0.00} payment still is counted towards the 120 monthly qualifying payments? Over and over again I was told yes. 

Today, after I saw all of these missing payments, I called XXXX and spoke to employee XXXX. I told her about my concerns about 1 ) My request from XX/XX/XXXX still not being processed and 2 ) my missing payments from XX/XX/XXXX. This employee told me your request from XX/XX/XXXX is still being processed and your {$0.00} payments will absolutely still count, but they are just not listed on the payments history, only actual payments are listed there. 
After this situation today, I XXXX  Public Service Loan Forgiveness Complaints, and I was shocked to see probably 50 articles written stating that " It has been one year since student loan borrowers have been theoretically eligible to have their loans forgiven under the Public Service Loan Forgiveness ( PSLF ) program. And yet, out of the 28,000 borrowers who applied, only 96 have had their loans forgiven. That is less than 1 percent of applicants. This is absolutely shocking and terrifying to me. I am not the mother or the wife that I want to be because I am tethered to my job and working in non profits that work their employees to the bone. I am XXXX, XXXX, and XXXX. I feel trapped, and now I am scared there is no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Experian Information Solutions Inc.
State: UT
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:
Experian is reporting inaccurate information on my credit report. XXXX  Acc # XXXX is reporting lates on XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. This information is not correct. I have sent documentation showing the information Experian was reporting was wrong but they have failed to contact me or remove this information,

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 2019-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America has taken on two occasions {$150.00} from my checking account ending in XXXX for Legal. The company does not disclose these fees and they have taken for the same transaction twice. I would like a full refund as they did not send me any information prior regarding legal order fees which amount to {$150.00} per transaction. This is unfair and deceptive and they violating my consumer protection rights. I WANT A FULL REFUND credited back to my account ending in XXXX. The legal order has been paid twice already and Bank of America failed to provide proper disclosures of these fees which violated my consumer protection rights and UDAAP.

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 2020-06-25
Company: EQUIFAX, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name XXXX XXXX {$2600.00} DEPTEDXXXX  XXXX {$6000.00} DEPTEDXXXX XXXX {$2200.00} XXXX XXXX {$980.00} XXXX XXXX {$6000.00} XXXX XXXXXXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: Credence Funding Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX CEO OF CREDENCE FUNDING ... CONFIRMED THAT XXXX XXXX CHANGED THE ESCROW AND PAYMENT AMOUNTS AND DECEIVED THE EDLERLY COUPLE IN FLORIDA***THIS WEEK ... DUE TO THE ACTIONS OF THE PARTIES INVOLVED ... WE ADD LYING TO THE CFPB ... MISLEADING THE U.S. GOV XXXX CONSPIRING TO DEFRAUD*** FOR SOME REASON XXXX XXXX AND CREDENCE FUNDING CORP THINKS IT CAN ISSUE FRAUDULENT LOANS AND THEN SIMPLY HIDE FROM THE CONSUMER AND THE CONSEQUENCES ... *** XXXX XXXX IS THE PRIMARY CRIMINAL HERE BUT THEY GET AN SSIST IN THE CONSPIRACY TO DEFRAUD FROM XXXX XXXX AND CREDENCE FUNDING CORP*** WE HAVE REQUESTED CORRECT LOAN ORIGINATION DOCS ... THEY DO NOT EXIST*** XXXX XXXX AND CREDENCE FUNDING DECIEVED AN ELDERLY COUPLE AND THEY NEED TO BE PROSECUTED*** ****PLEASE NOTE THAT XXXX XXXX   ANSWERED THESE COMPLAINTS PRIOR AND LIED TO BOTH THE CONSUMER AND CFPB**** I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: WELLS FARGO & COMPANY
State: NY
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:
In late XX/XX/2015 till the end of XX/XX/2015, Ive had a mortgage with Wells Fargo Home Mortgage, during the months of XXXX and XX/XX/2015, I went through a re finance with XXXX XXXX XXXX XXXX, my original monthly payments with Wells Fargo Home Mortgage were {$2700.00}. 
I have made payments to both Wells Fargo and to XXXX XXXX XXXX, even though the loan was taken over by XXXX XXXX XXXX, Wells Fargo decided to give me a thirty days late payment on my XXXX credit report, even though I had made payments and the loan was paid in full by XXXX XXXX XXXX The payments were due on the XXXX of each month, XXXX XXXX XXXX took over the loan on XX/XX/2015 2015

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 2018-06-07
Company: Byrider Franchising, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
After having to leave the state of Colorado due to medical issues, my FMLA has denied and I found myself struggling to cover expenses. I called the car company and asked them to please come and pick up the car due to the financial issues. The representative whom had been very pleasant any other time that I had dealt with her, starting getting very loud and attempting to explain to me that they are not in the business of just picking up vehicles and I that I just need to find someone to borrow the money from. She continued to berate me to the point that I just had to hang up. After a month of multiple daily phone calls and continued threatening messages they finally scheduled a pick up of the vehicle. It has been a month and a half since they picked up the car and they are still calling multiple times each day, including Saturdays. I asked them to please stop harassing me that it wasn't helping the situation to be told that they would just continue to call until I gave them their money. 
I get calls all day long from several different individuals. I haven't had the vehicle in almost two months and they will not sell the vehicle so I can settle the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: EQUIFAX, INC.
State: TN
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 recently checked my credit report and found XXXX XXXX XXXX   located on there. I then made a police report and also I identify theft report regarding the Issue. XXXX and XXXX  took my request in and blocked the account yet its still located on my Equifax account. 

After time went by, it had been three weeks so I gave XXXX XXXX a call see if they received my request that I had mailed it.. 

XXXX XXXX XXXX told me my request was denied because my address links back to the account that was opened in my name. 

When I sent it my identity theft report which is attached below. It currently has my current address. Phone number. And also email address. 

Even after XXXX XXXX  received my identity theft report and affidavit. They still denied my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a credit card for a few years that had a {$75.00} annual fee. This year upon renewal, I called Bank of America to close the account to avoid paying the fee. The Customer Rep that took my call, told me that I can convert the card to a different B of A card in order to avoid paying the {$75.00} renewal fee. I agreed to change the card over and the fee never came off. I called again about one week ago as it has been about 4 weeks and the fee is still showing up on my account. The 2nd rep told me she filed an incident report or something and that my {$75.00} fee was approved to be refunded within 24 hours. It has now been about a week and the fee is still showing up on my account. I called again today XX/XX/XXXX and the supervisor XXXX ID # XXXX told me that the fee will not be refunded unless I close the 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 monetary relief
Consumer complaint received 2020-06-25
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 had months to resolve the fraudulent accounts on my credit file that resulted from identity theft, and yet they continue to refuse. There are two accounts on my credit report which are being incorrectly reported to Experian, from a XXXX XXXX XXXX XXXX XXXX XXXX. These are two Credit Cards, Which I never opened. I provided Experian an FTC Law Enforcement Affidavit, Which is signed under perjury explicitly explaining the crime, and the details and times/ dates that the identity theft occurred. I never received a single credit card from XXXX not even once. I advised the company of this, and Experian either tells me they have validated the " information '' With the merchant. Or that the merchant does not know how to contact me. This isn't true as I have already been in touch with XXXX and advised them that both accounts were opened as application fraud, XXXX has reopened the account with several different numbers each time it's the same fraudulent credit card. I did not authorize any accounts to be opened with XXXX. Not in XXXX, and not in XXXX. Both were opened in XXXX of their perspective years. Neither card was authorized, Neither card was used, and neither card did I sign nor agree to open. The accounts are fraudulent, opened using stolen Identification. These were not authorized. They used an email that was found on the dark web. XXXX and Experian refuses to investigate it. Instead keeps siding with their Vendor. This is a crime this is identity theft and they are incorrectly reporting these accounts on my credit report.

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 2019-01-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In my credit report XXXX XXXX XXXX ACCOUNT # XXXX is showing a late payment 0n XX/XX/2018.The information is incorrect. I sold the car on XX/XX/2018 as showing on document upload.The late payment on XX/XX/2018 is incorrect. Please delete and correct the information.

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 2019-01-19
Company: GOLDMAN SACHS BANK USA
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: Was not notified of investigation status or results

Complaint:
fail to remove a fraud alert and banks holding loans against me because i've been i victim of ID theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a call from Wells Fargo Call Center for student loan collections on XX/XX/XXXX where I told Wells Fargo representative that I wanted to be on Forbearance as I still don't have a job and they stated they need to transfer my call to a supervisor since i was almost 29 days past due and possibly need one more payment before i can be put on forbearance. A supervisor came on the line and asked me a couple of questions and said i was approved for forbearance without a first payment since i am not completely 30 days past due. I also asked if this call was recorded and she said yes. On XX/XX/XXXX, Wells Fargo reported me late and in my previous complaint i stated this and Wells Fargo denied saying approval of forbearance. I disagree and know that Wells Fargo is lying about my call on XX/XX/XXXX so looking to have the phone call pulled and presented to me as I know i was told by the supervisor that i was approved for forbearance.

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