BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-01
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Hello, I recently purchased a townhome at XXXX California. I initially worked with the builder 's preferred lender XXXX XXXX XXXX, XXXX, CA for the loan processing. I put down XXXX % down payment and wanted a loan of XXXX % and XXXX % line of equity.. We approached this lender in XX/XX/XXXX and my home was due to close XX/XX/XXXX. During the pre approval process, we had asked the loan officer if they offer 7-year ARM adjustment loan instead of 30 year fixed. They confirmed they offer XXXX ARM adjustable rate loan. I have the pre approval letter from them that stats 3.75 % for XXXX ARM. After 2 months rates expired, and once my closure date of XXXX XXXX was announced, the lender called me XX/XX/XXXX and mentioned that he is talking to a couple of partners and they could offer an interest rate as low as 3.125 % and will call back to confirm the same and lock the rates. The entire week they did not call. He finally called on XXXX XXXX and shocked me saying that they could offer only 30 year fixed with a very high interest rate of 4.5 % for the XXXX loan of {$620000.00} and 5.5 % for the XXXX loan of {$100000.00}. The XXXX loan was from their partner company XXXX XXXX XXXX XXXX. 
I was given very limited time look for another lender. 
However, a loan officer from XXXX XXXX came forward to help me and he is a broker for Union Bank. He offered me an interest rate of 3.125 % for the XXXX loan of {$640000.00} and 4.5 % for XXXX loan of {$79000.00}. They were not able to close the home on the deadline of XXXX XXXX and the builder was not giving extension as the XXXX lender had already processed the loan documents and they asked me to close the loan with the XXXX lender. 
The XXXX lender, sent very strong emails to the builder threatening to report them to Consumer Financial Protection Bureau if they force me to close the loan with the XXXX lender citing the practice as steering. Finally the builder agreed to give extension till XXXX XXXX. 
The XXXX lender locked the rate of 3.125 % for the XXXX loan for XXXX ARM. He mentioned the interest rate for the XXXX loan is 4.5 % confirmed the same many times. 
After closing the home, I repeatedly asked him to send me the statements for the XXXX loan and he then tells me that Union Bank is charging 6.24 % interest and not 4.5 % that he had promised. Union Bank did not give anything in writing regarding the rate. However XXXX XXXX sent me a document on their letter head stating it as 4.5 % When I contacted Union Bank directly they tell me to talk to the broker and I can not contact them directly. When I contact the broker he says Union Bank is not agreeing on 4.5 % rate. 
I really feel cheated and I am caught up with a higher rate now. 
Hence I wanted to file a complaint with CFPB regarding my experience. 
Please do the needful in helping me resolve this issue. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: CASHCALL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Request for Cancellation of CashCall Loan, Account XXXX I am writing to request the cancellation of my CashCall loan, due to violation of California Assembly Bill 539 ( AB 539 ). AB 539 enacted the Fair Access to Credit Act operative XX/XX/XXXX. The Act states that for any consumer loan with a principal amount of at least {$2500.00} but less than {$10000.00}, a finance lender may not receive chargers at a rate exceeding annual simple interest of 36 % per annum. My loan with CashCall has been at 135 % since XX/XX/XXXX for a original loan amount of {$3100.00}. 
An attorney directed me to this newly enacted legislation. I have made payments that far exceed the amount that can be collected at the 36 % interest rate currently in effect in California. 

Current State of Payments to CashCall as of XX/XX/XXXX : 19 monthly payments of {$350.00} = {$6600.00} 1 payment of {$380.00} = {$380.00} Total of payments = {$7000.00} Remaining 28 monthly payments to complete the 48 installments Maximum legal payments according to California AB 539 : 36 % interest rate for 48 payments 48 monthly payments of {$12000.00} = {$5800.00} My payments have satisfied the maximum legal amount that can be collected in California for this loan. I have exceeded the legal amount by {$1100.00} ( {$7000.00} - {$5800.00} ). 

I have contacted CashCall by letter and by phone several times to request a forgiveness or restructure of the balance remaining on the loan. The payoff amount is still nearly at the original {$3100.00} loan amount after making 20 payments of the 48 installments. CashCall has been unwilling to accept any changes to the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I rented a car from XXXX XXXX. It was for two weeks in XXXX while in XXXX. 
I checked the car back in. And later found that they had billed my credit card a larger amount under XXXX instead of XXXX 
The rental agreement was with XXXX. And it was for a lesser amount. 
I have disputed this with my bank. And file a claim. And XXXX. Continues. To bill me. Saying it's a legit charge, but I never signed anything with XXXX. 
Every time I call the corporate Office for XXXXt and XXXX, I get told the systems are down or they can't help me and it takes up to 30 days to hear back and it has now been almost 60 days and I still have no resolution. 
My bank chase has not been helpful in this situation either. 
Enclosed is a copy my original rental agreement, which is all I wanted to rent. 
{$430.00} is the original agreement and price.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Continental Finance Company, LLC
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I am Shocked when I reviewed my credit report and found late payment on the dates below : 30 Days late as of XXXX 2014 30 days late as of XXXX 2014 30 days late as of XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements

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 2016-02-03
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
a loan application was processed and approved with my name and information in 2013.on my credit report shows i owe a certain amount to a payday loan company which I did not approve of it now has left me with a lower credit score and i am not able to take out any loans if i needed to .also I get calls from debt collectors asking me when will I start making payments. I just want this situation to be cleared out from my credit report and to stop the constant calls from debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Aldous & Associates, PLLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX have never had an account with this company ALDOUS XXXX, REMOVE from all credit agencies from reporting. 
XXXXconsumer  means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a  ( XXXX ) XXXXThis  letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication XXXXI am the consumer mentioned in 15 U.S. code 1692a ( XXXX ) You are ALDOUS AND ASSOCIATES the debt collector 15 U.S. Code1692a ( XXXX XXXX I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( XXXX ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( XXXX ) XXXX.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) ( XXXX ) and ( XXXX ) XXXXAccording to 15 U.S. Code 1962e ( XXXX ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
XXXX15 U.S. Code 1692e ( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
XXXX mentioned in the 15 U.S. Code 692f Unfair practices ( XXXX ) XXXXWhile pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
XXXX15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) ( XXXX ) ( A ) ( B ) ( XXXX ) XXXX. Mentioned in 15 U.S. Code 1681a ( XXXX ) ( XXXX ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( XXXX ) of this title, the exclusions in paragraph ( XXXX ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Dear Concern Person Greeting of the day. 

I'm XXXX XXXX from XXXX, I am running online business on XXXX and got my all payment through Paypal. In the month of XXXX XX/XX/2021, Paypal hold {$2400.00} for 180 days. 

I contacted them than they promised, I will get this amount after 180 days. 

Now 180 days about to end and Paypal deducted all {$2400.00} amount without any notification. 

I contacted PayPal customer care but they do not have proper information about deduction and they disconnected the call & now they blocked my number and im not able to contact them now. 

I'm XXXX widow with XXXX girls responsibilities. im totally depend on this income. 

This is big amount for me, I took loan to set up my business but just because of PayPal I loss everything. 

I am very much fed-up and do not know how & where should I complaint against it as PayPal is not ready to listen. 

I go through all their policies and I haven't broken their policies but still they deduct my all amount. 

Please help me in this matter as PayPal is doing big Scam in XXXX Market. 

Thanks & Regards XXXX XXXX XXXX : XXXX Email : XXXX Address : XXXX, XXXX XXXX, XXXX, XXXX XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: EQUIFAX, INC.
State: NV
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:
They negligently or intentionally exposed me and my wife 's private information to the entire world. Such information included but is not limited to, full name, employment history, payment history, debt amounts, date of birth, social security number, etc. 

Their Director of Information Security merely had a XXXX degree in XXXX. Some of their top level passwords were XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
This is n't a personal issue. It 's more of a public sustainability issue because Navient acts irresponsibly towards prospective, current, and XXXX students who have student loans with them. I 've been repaying their loans since I 've graduated and I 'm currently on a five-tiered repayment schedule. My family and I 's financial situation is much different than it was when I initially went to school, so I 've been periodically trying to find out how to change my payment plan to a fixed rate. It bears the least interest payments ( which is revenue for Navient ) and would absolve the issue of higher payments down the road. I 've scoped both of their websites ( one is called " Previous website '', also misleading ), to find out a ) what payment options there are, because nothing about their websites tell me they even offer fixed plans, and b ) how do they calculate the monthly payments for plans in the first place? Their official website, www.navient.com, has no information other than interest rate and principle amount. I have to go to " XXXX '' which is Navient 's " previous website '' to find out what I will be paying in the future. My other payment options are also estimated and there is nothing about fixed payment plans. 

I actually had to contact them via chat ( I can provide transcripts ), to find out if I could have a fixed payment plan. According to the rep, the option would be available if I looked for eligible options. My eligible options were only given to me when I filled out a form which was basically a financial background check. It was discouraging, but I did it while I was chatting. 

After I applied on the previous website, I told the rep that the option still was not available. The rep then said something along the lines of " a fixed rate would change your payment to $ XXXX per month '', which to me has no bearing. I asked how they even came up with that number. All I was asking was where on your website can I even find this number and the details. That 's it. 

This is where you want to listen. The rep told me that the fixed rate monthly payment was calculated by using the calculator located on the Navient home page, BEFORE YOU LOG IN. After I asked, the rep also told me the way to get into a fixed payment plan is by contacting Navient. I literally had to pry this information out of them. Again, I have the full transcript if you want it. 

This is ridiculous. I 'm over 60-70 % of my monthly payment is spent on interest and I want to reduce that for myself. You and I both know Navient benefits more from my current, 5-tiered graduated payment plan, than I do. The fixed repayment option benefits me in paying less over time, but that does n't benefit Navient. I had to jump through hoops to find out any information that benefits me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: Paypal Holdings, Inc
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
I was charged XXXX on XXXX/XXXX/15. All I have is " XXXX XXXX '' on the charge -- no ticket #, no destination, etc. I did not purchase anything from XXXX XXXX. PayPal Credit denied my fraud claim, saying the charge originated from my IP address. It simply did n't. I have filed a police report and have contacted XXXX XXXX to get more information. XXXX needs cooperation from PayPal Credit to determine who used their services, and Paypal Credit has not cooperated with me. I have an email from XXXX outlining what they need from Paypal to investigate this. I 've done all I can do. 
Also, Paypal Credit has on 3 occasions promised to send me an affidavit for me to fill out, but has failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have been making payments on my loan and they have misappropriated my loan amounts in the pass and also make threatening phone calls to my grandmother threatening court etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car with Capital One was a simple interest loan that is only afforded to XXXX Americans by Capital one. 
Nevertheless, Capital One on XX/XX/XXXX, gave a total payout balance of {$26000.00}. They received a check on XX/XX/XXXX, in the amount of XXXX. I called on today and spoke with an agent XXXX who asked for the check number and confirmed they did receive the check but it is going to take 10 business days to process this check. This is so Capital One can collect on simple interest payments. They also refused to accept the payment as of XX/XX/XXXX, because it would stop them from collecting simple interest. 

I was in a car accident hit by a truck. I called and spoke with an Executive Team member who was compassionless and arrogant. 

I put down XXXX on this car and the interest XXXX  anyone who can't afford to pay it. If the agent can see that they have received the check at XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX why can Capital One process the payment and get me out of the loan terms without charging me extra interest? The car was a total loss. I am going to report this to the XXXX  and My Secretary of State. This is really awful. Keep in mind they gave me a credit line increase on my business card. Capital One is not for its consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient issues my private student loan statement on the XXXX of each month. I pay my bill according to that. 

XXXX month in particular I paid on the exact day my statement was due. Because I did this, for one of my loans, but not the other two, it applied it to the past months payment cycle and not the current one. 

They said something about the " threshold for loans in a given month '' that made no sense to me. 

I've never had this issue in the past, and I believe they need to be more transparent about this on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of identity theft and I write to dispute certain information in my file resulting from the crime.

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 2021-03-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Wells Fargo has refused to acknowledge its role in my case ( XXXX ). They falsely advertise XXXX as a secure way to transfer money, protected by Wells Fargo. XXXX is not protected by Wells Fargo and it is wrong for them to push a 3rd party app that has no user protections. Furthermore, Wells Fargo employees XXXX XXXX ( Executive Office Case Specialist XXXX ), XXXX XXXX ( Case Specialist for XXXX XXXX XXXX XXXX ), and, primarily, XXXX XXXX ( Escalated Complaints Specialist ) have not been responsive to any phone calls and have failed to communicate with me in a polite and just manner. I have called XXXX XXXX numerous times and she never once replied or tried to contact me. I was once directed to a different Escalated Complaints Specialist who rudely told me I'm wasting my time and it's my fault and I can try all my life to get a response but I won't get one. No one has been kind or helpful, only rude and cold, trying to avoid my calls or admit their responsibility in this problem. It's terrible customer service and deceptive marketing.

For Wells Fargo to take responsibility for their terrible customer service and deceptive marketing. Wells Fargo should not affiliate with a third party they do not back ( XXXX ). I would like a reimbursement for my unprotected transactions with XXXX as I was deceived into thinking it was secure.

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 2020-03-26
Company: Experian Information Solutions Inc.
State: MS
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:
The US Small Business Administration ODA at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, made two separate unauthorized inquiries on XX/XX/2020 and XX/XX/2020 subsequent to me seeking emergency relief via the SBA Economic Injury due to SBA Disaster Loan Assistance website portal related to the COVID-19 pandemic and Excessive Flooding ( " XXXX - SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING '' ) in the Mississippi XXXX as a direct response to the declared state of emergencies both Nationwide by the POTUS as well as Statewide by the Governor. Two Economic Injury and Financial Impact requests for assistance were sent to the SBA per the Declarations of Disaster made by Donald J. Trump, President of the United States of America and XXXX XXXX, Governor of the State of Mississippi. 

These SBA generated " hard pulls '' should never have been allowed to effect my credit scores, given the fact that the SBA ODA applications for Economic and Financial Impact relief were in direct response to the Declarations and the request of both the President of the United States and the Governor of Mississippi to file the relief papers with SBA ODA.

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