BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-02
Company: BANK OF THE WEST
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My wife and I applied for a HARP loan with Bank of the West and fraudulently misled on the terms of the loan. On the application, we specifically stated that we did not want an escrow/impound account imposed on the loan. During processing, Bank of the West changed our selection by adding an escrow/impound account without informing us. 

While we were at the title company to sign the loan documents, we discovered that contrary to our requirements, the loan provided for the imposition of an escrow/impound account. We immediately refused to sign the loan documents. The notary then called the loan officer at Bank of the West who assured us that the issue of the escrow/impound account would be resolved at a later time and urged us to sign the papers. If we were not given this assurance, we would not have signed the papers and would have backed out of the loan. 

We attempted to resolve the issue with Bank of the West. The bank told us that for this type of loan, an escrow/impound account was required by bank policy. If the escrow/impound account was bank policy, why did n't the loan officer inform us of this when we filled out the paperwork? Moreover, why did the loan officer assure us that the issue would be resolved after we signed the loan papers when he was certainly aware of the bank 's policy? This clearly constitutes fraud or, at a minimum, negligent misrepresentation by Bank of the West.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Referencing case # XXXX, I contacted Citibank to inquire about missing XXXX XXXX  miles that were never deposited in my account as part of a promotion for opening a Citi Priority Account and spending {$1000.00} minimum and completing bill pays. The letter I received dated XX/XX/2019 states I did not complete the bill pays. I completed the bill pays through the Citi website for two consecutive months which makes me eligible to receive the promotion. I have been a loyal Citi customer for 2 decades with both their credit card products and checking accounts. 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 2022-01-23
Company: Experian Information Solutions Inc.
State: FL
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 claimed that they verified the information for a bankruptcy on my report with the reporting company which would be the court that is listed. However, when asked previously for them to provide the information they verified with the courts they sent me back a copy of my credit report stating the information was verified by XXXX XXXX and remains. I then wrote to the courts that clearly stated in their response to me that they do not provide information to third party entities. I also contacted XXXX XXXX and there was no information found. Which means that this information is inaccurately reported. 

I then sent another letter to Experian attaching a copy of both responses and they again claimed to have completed their investigation and verified with the company. Again, the information still remains. 

To date, they have not properly responded to my initial request to provide information with the institution who provided or validated the bankruptcy. Also, that they stated the information was verified with XXXX when a bankruptcy lies in with the courts and the court clearly stated in their letter they do not furnish information to them.

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 2020-08-03
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First on XXXX XXXX I searched up the options regarding Forbereance with my current mortgage with Santander Bank. They told me Im approved for 3 month forbereance explaining me Ill have 3 months without monthly payment that will be all due at the of the forbearance period or they will give me options to Repay. My mortgage will be reported as current to not affect my score during this period. 

Fast forward getting close to the third month, I contact Santander about my repayment options. They asked me if I want to extend my forbereabce period and I declined wanting to start making monthly payments and bring my mortgage back to normal. They gave me a really high repayment option but gave me the option of loan modification telling me Ill have to wait up to 30 days to receive final modification offer, asked me to keep doing my regular monthly payment to avoid any negative reporting on my credit. I did pay the 3rd payment right there only leaving 2 payments towards the modification application and been paying my regular monthly payment waiting on their answer. 

Problem is not only they havent get back to me with the modification amount, but they are sending me collection letters regarding those 2 months that were under the forberebace program and negatively reported my mortgage late those 2 months on my bureau accruing late fees, and a notice of a returned check with fees on it, when I always pay online, I have never sent a check to Santander. I been trying to resolve the issue with Santander and always got the same run around from them, in the mid time Im getting all this tension of having negative marks on my credit while Im Making my regular monthly payment and waiting on their answer. Its pretty frustrating for that works in finance as well previously on the bank and know the level of negligence this bank has in such difficult moment for everybody.

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 2022-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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 have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
lease matured XX/XX/XXXX, had been contacted by dealer prior to and we advised we were in process of buying out. We did not know they do n't inform Hyundai Motor Finance ( HMF ). We got approved for loan through our bank, got insurance binder on XX/XX/XXXX and HMF finally sent payoff statement to bank on XX/XX/XXXX ( after much back and forth ). Included in statement was a security deposit authorization that needed to be signed by a dealer. Dealer refused to sign until they learned more about it as they had never seen it before. Constant back and forth with dealer produced no results or information- they are still waiting to learn about authorization. During this process, car was repossessed. Daily calls with HMF are debilitating as I receive no help. One person said that since security deposit was only {$1.00} and something so small should not be giving me so much trouble, they would send me new pay off letter without security deposit of {$1.00} and increase the pay off amount by {$1.00}. However, that paperwork was stopped by the reinstatement department. I am still trying to get in touch with people to get help. I have no car, our credit will take a huge hit, even though we have documented proof of a good faith effort in trying to obtain a loan to buy out the vehicle and the only reason why this was held up is because of the security deposit authorization and the dealer refusing to sign same.

Company response to consumer: Closed
Consumer complaint received 2022-01-23
Company: EQUIFAX, INC.
State: GA
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:
Account XXXX XXXX XXXX XXXX contains a billing error. Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Account XXXX XXXX XXXX XXXX contains a billing error. Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f.

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 2020-05-22
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: Information belongs to someone else

Complaint:
I am filing this report because today XX/XX/2020 I discovered two accounts on my credit report that do not belong to me. The only reason why I even looked at my credit today is because I was going to ask for a credit line increase for one of my credit cards and I wanted to make sure they would approve the credit increase. The account names are XXXX XXXX XXXX XXXX XXXX XXXX. I have no relationship, contract or agreement with either of these companies and I did not give them permission to run or access my credit. At this time I don't know who is responsible for these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I have filed this report to the best of my knowledge.

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 2017-08-21
Company: Experian Information Solutions Inc.
State: AZ
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:
I have disputed these accounts multiple times with experain and XXXX XXXX. They keep saying they validated. But how can you validate my account with a statement anyone can create. According to federal law they need my contract on file what none of them have. The attachments is what XXXX XXXX has sent me for validation. Sense when does a statement that anyone can create as validation. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.

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 2022-01-23
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is reporting negative information on my consumer report causing distress in my life. The company needs to properly send me information to verify the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I reviewed my credit reports in early XXXX, a follow up to a check I did earlier this year. I in it I noticed some errors. On XX/XX/XXXX, I wrote a letter to XXXX XXXX XXXX ( see Transunion XXXXXXXX ),  asking them to correct the errors relating to credit inquiries. The Fair Credit Reporting act describes the permissible purpose to finish a report in 15 U.S.C. 1681b. The inquiries in question are in follows 1 ) XXXX XX/XX/XXXX 2 ) XXXX  XX/XX/XXXX Neither of these two inquiries fall within the purposes described in the Fair Credit Report as a permissible purpose. I asked XXXX to conduct an investigation on those two inquiries, specifically - the name and title of the person who pulled the report - the date of the alleged report request - and the method that the creditor claims I gave permission. I asked for documentation of said permission. Instead I was given a 1 page response ( see TransunionreplyXXXX ), basically asking me to contact the creditor ( was an investigation ever done? ).  There was no confirmation that any investigation took place.. In the generic letter XXXX claims that written authorization is not required and specific consent is not required. Furthermore none of the information I requested was never furnished, it appears that Transunion is asking me to correct their errors! The Fair Credit Reporting act dictates the manner in which a credit reporting agency is supposed to investigate errors in 15 U.S. Code 1681i.

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 2022-07-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment of {$3800.00} to my Chase Business Ink card from a XXXX account. After calling more than 25 times on XX/XX/2022, Chase informed me that I can not have access to my credit line because they have to hold my payment for " float pay ''. When I asked why, I was told the money had to be held because it was a new account. I was also informed it would be posted to the account by XX/XX/2022. 

I still have not received credit to my account. Additionally, when I checked my XXXX account, I see where the payment was returned, despite having sufficient funds to cover the payment. See attached screenshot. I believe Chase purposely returned my payment due to the fact that I have been repeatedly trying to resolve this issue. I received a case number from a member on the executive team ( XXXX ), and yet no one has called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I paid off my XXXX XXXX XXXX and cancelled my account in XXXX XXXX. In XXXX XXXX I received a letter from them referencing a credit refund check for {$220.00} sayting the check has been paid. Beginning in XXXX and every month since I have received a statement from XXXX saying that I owe increasing amounts of money ( apparently they are adding fees ). I contacted them but was referred to XXXX XXXX in XXXX, Arizona. At first someone there said they would get back to me. They ordered all of my charges for a year. No where did it appear theyre were unpaid charges ( this came in XXXX very heavy packages ) Then in XXXX I spoke to someone name XXXX who said he was filing an inquiry as well. ( I have his details if you need them ). Then in XXXX I received another statement from XXXX XXXX saying I owe {$370.00} but that nothing is due, and a note saying that there is a billing inquiry in process. The next day I received a check from XXXX XXXX for {$370.00} with a memo saying crdit balance refund. So naturally I thought there had been a mistake and they actually owed me the money. Now today I received a statement from XXXX XXXX saying I owe them {$740.00}. I called XXXX at XXXX XXXX. They can not help me because the " inquiry is still in process ''. XXXX XXXX will not talk to me because they say my account is in " Collections ''. What do I do now. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-09
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I have a home loan and a home equity loan with Wellsfargo Bank. For more than 2 years now, Wellsfargo has refused to allow us to combine the XXXX loans for a lower payment. We bought the XXXX bedroom townhouse in 2007 when we only had XXXX child. 3 years a go we had a XXXX child and needed to move to a bigger house and a better school district but we could not sell our undervalue house. Wellsfargo refused to work with us so we went ahead and bought a different house and got the mortgage with a different bank and the old house is now a rental property. We are renting the house at a reduced price and have to pay off the remaining balance out of pocket to Wellsfargo every month and yet Wellsfargo refused to work with us because the house is worth less than we owe. I know that they sold XXXX of the loans that we were able to refinanced to the government after we refinance it to 4 % and kept the loan that is at 9.75 % interest rate and absolutely refused to let us combine the XXXX loans into XXXX. Our savings are depleted and the tenants are planning to move out which means we will be stuck with paying XXXX mortgages again, we can not afford that. We have XXXX children aged XXXX, and XXXX and a car payment. I hope CFPB can help us with resources or advocate on our behalf to Wellsfargo so we can get out of this financial hole. We are trying to do the right thing but very soon we will not be able to even do the right thing, and that will means we will have to default on the loan. We would rather not default on the loan but that may be the only choice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am disputing a transaction ( please see below details ) charge to my checking account. I do n't have a product or service with the company charging my bank account, however, Wells Fargo is closing my dispute, stating I need to deal directly with the merchant. 

XXXX XXXX/XXXX/16 RECURRING PAYMENT AUTHORIZED ON XXXX XXXX XXXX XXXX XXXX CARD XXXX Open Canceled service or merchandise XXXX/XXXX/16 Cancel

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 2020-10-06
Company: AFNI INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX did not adhere to my requested invoice/remedies. I resent documentation giving them an opportunity to cure this invoice yet again. I am federally protected consumer and XXXX XXXX XXXX has violated me under the provisions of 15 USC 1692 and 15 USC 1681.  Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XXXX was taking out with a line of credit for {$25000.00} on XXXX to XXXX a lien was put on the property. This loan was paid off XX/XX/2011 the lien was not released from the original lender XXXX XXXX XXXX The bank has merged three times. 

My loan office and myself have request a lien release six weeks ago. In week four of the six weeks, we requested a follow up on the status. They could not give any information. I called today, requested assistance with the process, no information again. 

I am not able to close on an approved loan application due to the bank not offering or providing any information, by a clearance letter or releasing the lien. 

Thank you for guidance in this 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 2016-02-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I authorized a payment over the phone of {$250.00} with a rep from Wells Fargo for a private student loan. I was charged {$350.00}. I called and they said they would listen to the recording and credit back the difference. They did not credit this amount back. I recorded the original phone call as well as the phone call stating it should be credited. I went to school at University XXXX online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief