BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-13
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have HELOC and a checking account with TD Bank for past 8 years. I have been paying on time via online banking schedule. In XXXX of 2017, for some reasons, TD bank received online banking check on XXXX, which was the due date, but TD bank decided to draw money from my checking account leaving balance in RED. When I called the bank, they looked everything and said you have been paying ontime and recommended to pay one or two days early so if there is a delay, it can be accommodated. So I changed my payments to 3 days in advance. 

For next three months everything was fine. In XXXX, TD Bank received the check on XXXX but their system decided to charge me again on XXXX leaving my checking in RED. So I called them. This time, I was told that 8 years ago I signed a paper and allowed TD to have direct deposit. When I argued that if I am paying in advance should bank be doing that. Customer support agree but could not move my money back to checking account. So I spoke with their supervisor and demanded to send me papers that shows if customer is paying in advance, TD is still authorized to have direct deposit. I was assured that I will receive these papers. I have NEVER received these papers. Meanwhile they continue to charge me illegal overdraft fee, maintenance fee etc. So I went to their branch in XXXX. After several days, I was told that I am responsible for the mistakes of their system. I do not mind paying fee if it is my fault. But it is banks fault and they are accepting mistake but refusing to waive illegal fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello my Name is XXXX XXXX, i live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
In morning around XXXX ( XX/XX/XXXX ) I go to the chase bank to withdraw some many at ATM ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX, i find it that my card expiring XX/XX/XXXX. ( didn't know that, last withdraw was made by me of {$200.00} on XXXX last year XXXX ) After that I check on my phone App and I find out that on my account are couple transactions which I never know it and wasn't made any by me.. 
Those transactions : ( first one ) XX/XX/XXXX XXXX XXXX XXXX  ( Withdrawal Amount : {$4500.00} ) ( second ) XX/XX/XXXX. ( can't see the time ) Amaunt : {$200.00} ( third ). XX/XX/XXXX. ( can't see the time ) amount : {$200.00} there are + couples fees on in total {$7.00} and its one more of {$120.00}. 
When I see those transactions I go inside the bank to talk with a staff there, and someone there from the staff tell me to open for me claims, but the Claims didn't help me at all, they asked me to restrict my account and you will get many back, I did that but they didn't give any many back to me ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-02
Company: FinCo Services Inc DBA Current
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Follow up the case XXXX. 
Recently I submitted a complaint, because current bank dont let me open a checking account with all the benefits they offer to the customers. I meet all the requirements mentioned on current.com, but the bank continue denied my request. WITH NO REASON OR MOTIVE. 
The company keeps telling me that they thoroughly reviewed my profile and I am not eligible for an account. I demand a clear and concise answer, with the reason why I can not open my account. It seems to me an act of discrimination and I want to be shown otherwise. Current Bank 's response was to wait 15 more days, but yesterday I wrote to the bank on its website and their response was that it was still denied and there is no additional study. The next step is a formal complaint, until they clearly show me the reason why I can not apply for an account at Current Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage after my business income fell. I applied for assistance with Wells Fargo Home Mortgage and hired an attorney to help me with the paperwork. Wells Fargo Home Mortgage put my loan into the re entry team. This departments sole purpose is to evade reviewing borrowers for assistance. According to my attorney this department and almost everything they do is in violation of RESPA Regulation X. My last submission was onXX/XX/XXXX. Since then Wells Fargo has been telling me my loan is under review. It is n't like I just faxed in partial paperwork on my own. I hired a professional real estate attorney who has a full time loan officer and underwriter on staff who put together my financial application packet for me and submitted it fully complete. Since then Wells Fargo has been picking apart my taxes and profit and loss for my business.. Today I was told I was denied due to the fact that underwriting does not " believe '' I no longer have expenses that were shown on previous tax returns. I have cut these expenses due to my decreasing income and I do the work now myself so I no longer have those expenses. My attorney says they have never heard of any underwriter coming up with this excuse to turn down a file. In addition, today I received a Notice of Default. According to my attorney Wells Fargo is not allowed to " Dual Track '' while I am under review. My attorney called Wells Fargo today and they told my attorney that my  loan does not go under review when it is with the " re entry '' team. My attorney advised Wells Fargo this is in violation of RESPA Regulation X. Wells Fargo can not " Evade '' review by putting my loan into the " re entry '' department. The latest date my loan was confirmed complete and under review was on XX/XX/XXXX.  Today Wells Fargo says the loan modification was denied on XX/XX/XXXX. The borrower per RESPA Regulation X has 30 days to appeal this denial without facing foreclosure. However, Wells Fargo recorded a Notice of Default on XX/XX/XXXX and taped it to my door today. My attorney called Wells Fargo to advise them they can not dual track a foreclosure because we are still in the appeal period. Wells Fargo says they did not put my file under review ( evading ) because when it is with their re-entry team it does n't have to go under review.

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 2019-08-03
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: Old information reappears or never goes away

Complaint:
Experian currently reports two outdated, delinquent accounts. The original date of default for each account is XX/XX/XXXX, more than thirty years ago. 

The amounts of the original debts are {$1500.00} and {$2200.00}, respectively.

These accounts are reported in contravention of the Fair Credit Reporting Act ( FCRA ) 605 ( a ) ( 4 ), which prohibits the inclusion of " Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. '' [ 15 U.S.C. 1681c ] In XX/XX/XXXX, both items were disputed with Experian. Experian 's response was to " confirm '' the information with the collection agency and to continue to report the outdated information on my consumer credit report in violation of the FCRA.

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 2019-10-18
Company: ALLY FINANCIAL INC.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I have an auto loan with Ally Financials, I recently moved from XXXX   XXXX to XXXX XXXX and I need to register my vehicle, however without the the title I can not do so. 

On XX/XX/XXXX, I contacted Ally for assistance on obtaining a copy of the certified title. They advised me to fax the documents, they were faxed and confirmation was received. 

Since i had not heard from them, A month later I followed up with Ally, and they asked me to re-faxed the documents and again on XX/XX/XXXX I sent them along with the previous fax confirmation. 

On Tuesday, XX/XX/XXXX, and on Friday, XX/XX/XXXX once again I followed up. They asked that I faxed the documents again. 

On XX/XX/XXXX they notified me that they dont hold titles on financed vehicles as per XXXX regulations the Department of Motor Vehicle held the title and that I needed to go to the DMV department. So, today XX/XX/XXXX, I went to the DMV department and they advised me I had to go back to and have them ordered the title as they own the lean on the car. So DMV were not able to assist. 

So, I went back and called Ally, spoke with about 4 different representatives for almost 2 hours and no one was able to assist.

On the fifth attempt I asked to speak with a supervisor, XXXX assisted me and contacted the title department, jointly, we spoke with XXXX who at the end told XXXX to process the title request ( she had no idea on what she was doing ). This time I was told to fax my drivers license and the DMV form, MV-902 ( XX/XX/XXXX ) and to call as soon as it was fax to confirm receipt. 

20 minutes after faxing the documents to the fax number provided for the 4th time ( XXXX ) I spoke with two different representatives with no success. They were unable to confirm this information, got frustrated and both times they hanged up the phone on me. 

As of today, this issue is still outstanding. No calls back have been received. I have been patient enough for the past 6 weeks. I cant even register my vehicle and its an inconvenience. I need help! I cant seem to go anywhere with these people. There customer service team appears to not know what they are doing and I have received different responses from different people on the same topic. They lock follow up skills, sympathy, and simply Do NOT CARE.

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 2017-07-08
Company: Experian Information Solutions Inc.
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:
Experian,  XXXX  and  XXXX  credit bureaus continues to list   XXXX   XXXX   XXXX    XXXX  delinquency on my credit report. The listing creditors have closed accounts and requested that the credit bureau remove them from my credit report. However, Experian,  XXXX  and  XXXX  credit bureaus have failed to remove the negative listings. I have filled disputes and contacted them through phone requesting for them to remove these delinquencies. They have yet to be removed.

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 2019-06-16
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
No fee checking account opened on or about first week of XX/XX/2019. Discovered today that an analysis service charge fee has been charged monthly to my account. I have no idea what this charge is for and this charge was never disclosed to 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 monetary relief
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
INITIALLY I HAD THE SAME PROBLEM WITH XXXX, XXXX, AND TRANSUNION. ALL THREE REPORTS HAVE SHOWED I HAVE A SIGNIFICANT AMOUNT OF INQUIRIES. I DISPUTED ALL THREE COMPANIES VIA EMAIL AND PHONE BOTH. WHEN I DISPUTED VIA EMAIL, IT TOOK THEM ONLY 1-3 DAYS TO COMPLETE. PROBLEM WAS, NOTHING WAS FIXED. SO THEN I CALLED TO FIX THE ISSUE ON ALL 3 REPORTS. MY HOLD TIMES WERE UNBELIEVABLE. ANYWHERE FROM 90 MIN TO 3 HOUR HOLD TIMES. NEEDLESS TO SAY, AFTER FINALLY GETTING A HOLD OF SOMEONE, THEY STATED TO PUT A FREEZE ON MY REPORTS. I DID WHAT THEY REQUESTED. AGAIN, THE INQUIRIES ARE STILL ON THERE. I COMPLETED A FRAUD INVESTIGATION WITH ALL 3 COMPANIES AND I STILL HAVE A FREEZE ON ALL THREE COMPANIES AS THEY REQUESTED. THE OVERALL PROBLEM STILL REMAINS WHICH IS I STILL HAVE A UNBELIVABLE AMOUNT OF HARD CREDIT INQUIRIES CAUSING MY SCORE TO BE BELOW 750. MY SCORE WILL BE 800 OR ABOVE IF THE WOULD FIX MY REPORT. THANK YOU FOR YOUR TIME

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 2019-08-03
Company: Student Loan Care, LLC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XX/XX/2017 I made a mistake of taking services from a company called Student Loan Care LLC. They charged me XXXX dollars a month to lower or erase my debt but I found out later that they can't do that. I am stuck paying them and my credit score is not good cause of there account. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: U.S. BANCORP
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied and was approved for a fidelity credit card. Promotion stated that if I spent {$1000.00} in three months, they would credit me {$100.00} into a fidelity account. I did spend more than {$1000.00} in three months. I called the credit card and company and was advised the credit card I applied for did not have the offer.
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The only reason I applied for this credit card was because of the offer. Now they do not want to pay up?

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 2017-07-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX   REFI home   XXXX   XXXX   XXXX   XXXX  interest only and  XXXX   Harris bank HELOC 10yr w/balloon. Market crash  of  XX/XX/XXXX ,  XX/XX/XXXX  went under,  XXXX  now has first , Harris became BMO Harris. Tried to REFI could n't, too far under, nearly every 2 yrs same answer different banks. Balloon payment due on HELOC, jumped through several hoops for BMO. Now they are done trying and want to  short sale. House appraisal still about  XXXX  under loan values. Called  XXXX  to inform them about Short Sale and see if they would consid er REFI 1st, s aid they could n't, just a collection agency. So I have a gripe with both BMO and  XXXX . I just checked  XXXX   XXXX  and my credit scores were  XXXX  and  XXXX , I 'm also a veteran but that did n't matter to anyone.

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 2017-11-13
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have had a mortgage for the past 18 years from mid XXXX 's to current. My mortgage has been sold 4 times over the course of the last 4 years. Prior to getting the mortgage sold I re negotiated with the lean holder and in a loss mitigation program.
But before being sold I had made the the 3 months of trail payment which were successfully, a new agreement was signed and notarized. Upon the sale the next mortgage holder accepted the terms and conditions and then the mortgage was sold again to Ditech which is when in XX/XX/XXXX they started to play games and ask me to open up a new loss mitigation program because they did n't want to honor a binding agreement with the previous lean holder. I refused on account of them wanted to raise my interest rate back up from 2 % to 8 %.
I will attach this agreement if I am able to send to you. Now I am foreclosure and attorney has suggested that I file a complaint with you.
Best Regards XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX PAYING UNDER A PARTIAL OR MODIFIED PAYMENT AGREEMENT Loan was modified and successful repayment was completed.

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 2017-07-08
Company: Experian Information Solutions 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:
On XX/XX/XXXX and inXX/XX/XXXX I notified XXXX XXXX that the balance they were/are reporting for account is incorrect. XXXX XXXX  filed a XXXX notice with the IRS in XX/XX/XXXXdeclaring {$700.00} of that account was cancelled. As required by law, I declared that amount as income on my XX/XX/XXXXtax return. Therefore, the balance being reported should only be {$440.00}. Not the {$1100.00} that XXXX XXXX is reporting to the credit bureaus, and also being over credit limit.
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XXXX XXXX has refused to correct/

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 2017-07-08
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I am not an active credit user. I am a responsible consumer. I experienced a work injury and I had to file for worker 's compensation.. During the negotiation period, medical bills were piling up. Even though they were informed that it was a worker 's comp. medical case the office submitted my over due medical bills to the credit reporting agencies. I have requested often to have late payments, bills paid in full to each of the agencies, and they each take their time in responding to my request. Are they do not correct my credit report. and increase my score. My attorney XXXX XXXX has sent to each of the credit bureaus copies of the paid in full accounts. at least 3 times. I need my credit score corrected and increased and old medical bills and student loans reported as paid in full and removed off of my credit history. I was sure my score was high since I 'm not an irresponsible spender. Only to learn that I was given a low score because I did not have any debt. So, I made a purchase and started making payments. This purchase will be paid in full in the next few months. The company keeps trying to get me to make another purchase because of my prompt payment history.XXXX XXXX only reports to XXXX of the credit bureaus. This is awful. I asked them why not all XXXX of the agencies, they do n't want to pay fees. I thought my credit score was XXXX or XXXX since I am a responsible steward of my money. I am hoping that your office will handle my concern now. I want to Thank Your Office now for being available to handle challenges such as mine. I know it will be resolved with ethics something that is missing in the business world today. Thank You

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 2021-03-10
Company: TRUIST FINANCIAL CORPORATION
State: OH
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:
There are numerous inquiries on my credit report that I did not authorize. I have contacted each company and they cant verify any information that I applied for credit with their company.

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