BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: Nelnet, Inc.
State: MN
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:
We had an automatic payment scheduled in the amount of ~ {$62.00}. In XXXX, failed to execute the payment. We found out 2 months later, and after explaining what had happened they did not help. A phone call on XX/XX/XXXX with customer support, they confirmed there was an internal problem on their end. We filed a complaint and requested a correction and they said they do not perform curtesy corrections to the credit bureaus. We have been paying our accounts on time for years with Firstmark. This same thing happened in XXXX and the same result. Now this effected our credit and we want this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint is for Wells Fargo Bank only to respond to and not for XXXX XXXX XXXX or any other company that is affiliated with XXXX Loan Trust XXXX! 
On XXXX XXXX XXXX, I received a letter from Wells Fargo Corporate Trust Services dated XXXX XXXX XXXX. The third paragraph states ; after researching this matter further, we have verified that Wells Fargo Bank is not the investor nor does it have a direct role in servicing your current loan. Wells Fargo further stated that Wells Fargo Bank N.A acts as the master servicer for the securitization which holds your current loan. In securitizations for which we act as master servicer, the servicer works directly with the home owner. Now ; the definition of master servicer is ; an entity that acts on behalf of a trustee for security holder 's benefit in collecting funds from a borrower, advancing funds in the event of delinquencies and in the event of default taking the property through foreclosure. Now ; since Wells Fargo Bank acts on behalf of a trustee and is the master servicer for our loan which is located in XXXX Loan Trust XXXX, then Wells Fargo Bank would be able to answer the following questions. 
First, who was the investor that received the trust certificate when placing our residential mortgage loan into this pool of trust XXXX XXXX XXXX XXXX XXXX XXXX? 
Second, what date did the investor place this asset into the pool of trust XXXX XXXX XXXX XXXX XXXX? 
Third, who is the current investor of our note/trust certificate holder? Do not say that the trust owns our note ; I know that there is an investor and a trust certificate that was issued by the trustee at the time that the asset was placed into the pool of trust! 
Fourth ; Wells Fargo Bank sent us a letter dated XXXX XXXX XXXX which states ; Wells Fargo is the investor of the loan. On XXXX XXXX XXXX, Wells Fargo Bank believed that they were the current investor of our loan as they did on XXXX XXXX XXXX per the documents that they provided. Did Wells Fargo Bank participate in foreclosing on our loan/property on XXXX XXXX XXXX? 
Fifth ; if Wells Fargo Bank did not participate with the foreclosure process, then which company did initiate the foreclosure process on XXXX XXXX XXXX? 
Sixth ; is Wells Fargo Bank aware that fraud and robo-signing has occurred within our note/residential backed securities which is located inside XXXX XXXX? 
XXXX ; please answer all questions and provide documentation for each question asked! 
Wells Fargo Bank must comply with our requests or face more complaints against Wells Fargo Bank with federal agencies, along with the media, social media and internet!

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 2017-04-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
The transactions for my account are being juggles around/change in order for overdraft fees can be applied to my account. I have attempted and made several request for the bank to process my transactions as they appear on my account. The bank is telling me that even though a transaction is pending it can be charged applicable overdraft fees ; however, the fees can not be charged if the transaction is pending.????? This as result is several unknown and unexpected fees. In fact, it appears as if the funds are being set aside for such charges to occur. I have been asked to hold all attachment until results of this complaint are received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-07
Company: JPMORGAN CHASE & CO.
State: HI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I contacted XXXX today, XX/XX/2011, after repeated phone calls to myself ( sometimes multiple calls per day ) as well as to family members -- in order to request their address so I could send a registered-mail written request to cease & desist phone contact as well as to request a written notice of the debt. 

I was abruptly interrupted & asked if I was going to pay this debt. I responded that I was not going to have that conversation at this time & repeated my request. I was again interrupted & the agent began shouting at me, disregarding my request & asking me if I was going to pay the debt & why I was n't. I requested their address a third time & stated that I would be contacting the FTC, at which time the agent said she was transferring me to a manager. At this point I hung up & called FTC. 

The agent did tell me that the debt was in the amount of {$6800.00} / Chase Bank, which according to stale debt/time-barred legalities, exceeds the statute of limitations as this account was closed & has not been paid on for at least seven-years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Previously disputed and submitted court documents and had the item successfully removed since this item never made it to judgment and was paid prior to making it to judgement. But now it is showing back up on report again.

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 2017-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Other fee

Complaint:
Bank of America charged an annual fee of {$79.00}. Although they were charging this fee for the first time ( they do n't charge it the first year to get people to sign up ) they would n't refund the fee even if the account was cancelled. They claim to have sent a notification email, however they made the subject of that email " Your Credit Card Legal Notices Are Now Available '' no mention of a fee. In fact, to see the details about the fee you 'd have to click on a link inside that email and be redirected to their website. Although the fee is for the coming year, 95 % of which is still unused, they refused to waive the fee, or even prorate it saying that once it 's charged they wo n't refund it. This is clearly predatory behavior aimed at bilking unsuspecting customers the vast majority of whom would n't even open an email with the subject line above.

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 2022-04-18
Company: BAM Management US Holdings Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Binance.US altered their privacy policy to include the ability to crate biometric profiles based on photos you send the company to verify your identity. Many are considering this an unnecessary and predatory collection and manipulation of data. Binance.US sent customers no forewarning of the policy change, and among enactment forced customers to either accept the policy or they can not log into their account. This means customer 's do not have the choice to deny the invasive privacy policy or else they forfeit their account and their funds remain in limbo and can not be accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX Re : Conveyance Modification with Ocwen Loan Servicing XXXX XXXX XXXX LOAN # - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Good afternoon, I 'm filing this complaint/request for assistance with regards to the mortgage that I have been performing on, for the last four years. My mother, XXXX XXXX XXXX XXXX away in XX/XX/XXXX and I have been performing on this loan, with Ocwen Loan Servicing, ever since. 

Unfortunately, I did fall behind on my payments and I 'm trying to initiate a Conveyance Modification dialog - to put the loan in my name and continue to move forward. Because I 'm not authorized, Ocwen wo n't even discuss this situation with me, however, they 've cashed every payment that I 've sent them, since XX/XX/XXXX. On XX/XX/XXXX, I was granted a probate hearing for XX/XX/XXXX, to assign me as XXXX of the XXXX. 

This hearing is the day AFTER the scheduled sale date of our home. We 've submitted the hearing information to Ocwen, but do not have a means by which to confirm that they have postponed the sale, in order to allow me to be assigned XXXX of the XXXX and engage them in a Conveyance Modification. 

PLEASE assist us with this!! My daughter and her child live here with me and I 'm an elderly citizen, who wishes to keep a roof over my head! 

My contact information is - XXXX XXXX XXXX and the Probate Trial information documents are attached. 

Thank you for your help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This is my second complaint towards Bank of America because still to this day they still have not removed the Fraud Alert from XXXX. So basically to sum things up I was scammed in XX/XX/2015 and we all know being scammed is the worst feeling in the world and top it all off I lost out on a car and my bank account and to make it all worse Bank of America place a fraud alert on my social in XXXX. I just feel like they should have been a little bit more understanding towards the situation. I never withdrawed any money from the account so they didnt take a lost. After submitting this complaint I am going to follow up with a email to the CEO of Bank Of America, because not only can I not get another account with them but they black balled me so cant get an account with any other financial institution for the next 5 years I promise to never do business with them ever again I will never recommend their products or services to anyone as well. And to add Injury to insult they lied in the report that they submitted which I will upload which says that I withdrawed money from the account after the bogus check was deposited thats a lie im sure they have surveillance of each and everytime I entered the bank. They have to prove that without a doubt that I withdrawed this money.

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 2017-04-03
Company: TENET HEALTHCARE CORPORATION
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I pulled a copy of my credit reports and saw the Central Financial Control reported XXXX collections that does n't belong to me. I called to ask for validation of the debt in XX/XX/2017 and they got rude and refused to send it. I sent a certified letter to the company on XXXX XX/XX/2017 requesting validity of the debt and to cease and desist all credit reporting until the debt is validated. The company is still reporting the collection on my credit report and has not responded to my letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Called in late XXXX to request to start PMI Removal Process. 
Agent advised they had to send a letter via US Mail. 10 Day lead time Weeks go by and no letter. 
Several calls to customer service during this time. None offered any help and advised I had to wait for the letter. 
A Month has now gone by and I get to an escalation manager. She has no idea why the letter was sent. 
This is when the vail starts to come down. They claim they can only send " messages/ emails '' to the PMI team. They can not call. Every week from then to now I call or she calls me and asks did I get the letter? I advise no and they send another message. And on and on the train goes. 

On a side note this seems to be a trend. Many many reviews out there with people having the same or worse expertise with PMI removal. Apparently some pay {$150.00} for appraisal and then hear nothing... Someone of authority needs to look into this business. I have experience in this sector and no reputable company would ever work this way. Especially one of the big banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 
accordance with the Fair Credit Reporting act. XXXX Account # XXXX has violated my rights. accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights.

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 2015-08-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Primary mortgage with Wells Fargo on Primary Residence has a FORECLOSURE SALE DATE of XX/XX/2015. 

Financial status has just changed, as Social Security has been APPROVED!!! 

Need new MODIFICATION of Wells Fargo Mortgage. Need a Single Point of Contact with Wells Fargo, to review and update the status of Mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: WELLS FARGO & COMPANY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
iam disgusted that everytime i disput what wells fargo say and tell why i disput what they say the system never allows me to progress forward i have a least XXXX compaint casses all diputed and you have not done anything about it? yet you have fined wells fargo bank for falsifying documants mis acounting, fraud and perjury committed in court .why have you nomade compensation claims against then for the consumer that have not been protected iam disgusted in your prceedure

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: MNE Services, Inc
State: IL
Product: Payday loan
Issue: Can't contact lender

Complaint:
I have been receiving harassing phone call reguarding filing a law suite against me for a PAYDAY LOAN. EVERY YEAR AROUND THIS TIME I START TO GET PHONE CALL THAT EVENTUALLY STOP. THIS YEAR THE PHONE CALL HAVE STARTED AGAIN AND HAS ESCULATED TO CALLING MY JOB WHICH I ASKED THEM TO NOT CALL MY JOB AND REMOVE MY NUMBER FROM THEIR REGISTER. I received a phone call at home from Compliant management solutions ref # XXXX at XXXX they caught me off guard and I gave them my debit card number to pay {$50.00} and they want to set up payment for XXXX/mo for 6 months. I went to the bank XXXX/XXXX/XXXX and cancelled that bank card because I realized that they were trying to scam me and I never took out a payday loan but once in XXXX for {$300.00} that I paid {$550.00} on XXXX XXXX XXXX to the attention of XXXX XXXX and XXXX XXXX who stated he was an attorney at XXXX after I had already paid the loan back through direct debit from my account. Since then I keep getting these same phone calls every year. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Colony Brands, Inc.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Seventh Ave has charged off an account and continues to report and inaccurate balance to the credit bureaus which has hurt my ability to obtain credit. Seventh Ave continues to verify the account with the bureaus but has failed to validated and verify the account with me and the FCRA clearly states any account that cant be verified with original documentation and signatures must be deleted from the consumers credit file Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXXXXXX XXXX XXXX XXXX, MT XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I contacted the Credit Bureaus on XX/XX/2018, by certified mail asking to remove addresses and names that are not correct, I enclosed NCDL, social security card and a NC DMV registration to prove my correct name, address and social security number. Not all address were removed, they stated they were validated and they were under no obligation to remove them. According to the FCRA, the address are undeliverable by the US Post Office and therefore need to be removed. I have contacted them in good faith and under the letter of the law with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: BAM Financial, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A company called XXXX XXXX calls continually looking for a family member. They are calling everyone in the family, disclosing personal information and threatening everyone if we do n't give them the location of this person. They continue to call my home and business number for a debt THAT IS NOT MINE, it is for the sister of my domestic partner. I was threatened with jail, a warrant for my arrest, etc. When I told them I was n't who they were looking for, they slung a stream of abuse at me and did n't believe me. I asked for their contact information and they refused to give it to me. I asked them to stop calling here, and they have continued to call five times a day, repeating their threats, looking for someone who IS NOT HERE and has never BEEN here. I am sick of their harassment and abuse. When I ask them to stop calling, they call MORE OFTEN. This has to be illegal.

Company response to consumer: Untimely response