BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-07
Company: WELLS FARGO & COMPANY
State: ND
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I use Wells Fargo company strictly as a reserve banking institution, because all of my everyday spending and drafting from companies come out of XXXX XXXX XXXX Accounts. For a majority of my history with them all I do is deposit funds with the hopes it will stay out of sight out of mind and build up for my families future. I had a checking account only, but signed up a month ago for a savings account and was supposed to get a XXXX bonus for that. So far no credits. Over the last month I have put a large amount of money in this savings account ( only making deposits ) and Yesterday XXXX/XXXX/2016 I noticed my balance was lower than expected. When going back to check this online I found a XXXX XXXX was taken out of my savings account ( XXXX ) in the amount of XXXX posted on XXXX/XXXX/2016 but apparently performed XXXX/XXXX/2016. 
Through horrible service I was disconnected multiple times and routed from one group to another who kept saying I had to go to Merchant Services, and when I spoke with them they would n't even talk to me since I was n't a business. I finally got someone to say they would file a claim however I find it very disturbing that money can be taken out of my account without my permission. 
From my understanding someone must have gotten into my account when I was logged into an unsecure business, and according to one rep someone named XXXX was put on the account as an Authorized user???? How can this happen that Wells Fargo can allow this without Authentication and my signature to allow someone to be on my account. They definitely used enough security demanding me 17 times to prove who I was trying to dispute this, why not when protecting my money. That to me is a breach of customer privacy and protection. I would like someone to please assist me in returning these funds 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 explanation
Consumer complaint received 2016-11-18
Company: SUN WEST MORTGAGE COMPANY, INC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Sunwest Mortgage has maliciously reported my mortgage account incorrectly. This act was premeditated and vindictive. Because I am enrolled with all XXXX major credit bureaus, I have the date ( proof ) archived. When I disputed the data, Sunwest refused to correct even after I disputed numerous times with them directly and the XXXX reporting credit bureaus. I got the VA involved and the issue first issue was mitigated the next day. XXXX is directly responsible for the fraudulent reporting of a federally insured VA mortgage which is a felony. She has done this malicious and fraudulent act XXXX separate times and she honestly thinks she is not only above the law but immune to prosecution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Had a deposit come in for {$1800.00}. Bank says my acct was hacked and funds taken out. It was sent to fraud department and as of today 4 and a half months later I still have not been reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on the the forbearance program and It was supposed to be on hold my payments but it was not so I was still paying and they're saying I owe XXXX it not true

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/15, I logged into the online financial service that TD Bank has made available for payments. I noted that my account had been debited for {$25.00} on XXXX/XXXX/15. I contacted TD Bank customer service via telephone and spoke with XXXX, employee # XXXX, on XXXX/XXXX/15. XXXX indicated that because my due date fell on a weekend, Sunday, XXXX/XXXX/15 and I had not made a payment prior to close of business on the preceding Friday, XXXX/XXXX/15, that my account was automatically charged a late fee of {$25.00}. They did explain that the late fee was not valid and would automatically be reversed if I make a payment by the due date. However, my account still exhibits a notation that my payment was late and notates a late fee even though my payment was made and credited to my account prior to the due date. Neither the card holder terms and conditions, or the online service terms and conditions make customers aware of this practice. More poignantly the card holder terms and conditions and the online service terms and conditions provide that payments made by XXXX on weekends and federal holidays will be credited to the account the next business day and that payment shall not be treated as late, at least as it applies to mailed payments. I expressed my concerns about this practice of preemptively charging customers late fees to XXXX, to which he replied, " that is just the way the system is set up. '' I explained my intent to file a compliant with a regulatory agency if the practice was not addressed, but XXXX was not moved by this. Although these entries as " late '' are not reported to credit reporting agencies, as far as I know, the bank is still knowingly making false entries on customer accounts regarding their payment punctuality. The practice of preemptively charging customers late fees, with or without the intent to automatically reverse the charges, is inconsistent with what is fair, reasonable and in keeping with the card holder terms and conditions intent of the application of payments. Records of late payment should only be made when a customer does not pay within the the terms and conditions as outlined in the card holder terms and conditions. I have conducted a review of my account and found that this is not the first instance of this event.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I bought my vehicle and ever since the second day of owning my vehicle there has been nothing but problems. The dealership and the bank does not want to help me out at all. Now I 'm stuck paying $ XXXX for a paper weight that 's been in and out of the shop about 11 times since I purchased it on XXXX/XXXX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Ocwen Financial Corporation
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing has forcefully kept open an escrow account that is voluntary by the mortgage note. I have repeatedly sent QWR 's ( as per RESPA ) to get it closed. They ignore me. They now have raised my escrow payment by doubling the property taxes by claiming there is a " Special District Tax '' that is equal to my property taxes. There is no such " Special District Tax ''. I have requested a copy of my mortgage note and they fail to provide me the note in it 's entirety. 
Prior to Ocwen, the account was serviced by GMAC Mortgage who improperly charged fees to the account and then went out of business before the issue was resolved. 
In addition, Ocwen quit sending me monthly statements claiming I made a request for them not to send me statements. I did no such thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid in full my Chase mortgage on XX/XX/2016 with a refund for over payment on the mortgage which was allegedly mailed to me on XXXX XXXX. It is suppose to take 10 business days and it is still not here. I have made over 3 hours worth of calls 19 in total with no response. I was told I was not cooperating because I did not have a Chase checking account. Please get me my refund check as Chase does not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid XXXX on my acct to Prestige Financial 7 days ago to make up the difference in the amount that car max agreed to buy my car. I spend all day speaking with a XXXX 3 days later because my acct had not been updated in regards to an accurate payoff amount. The XXXX had already been drafted from my acct and the payment reflected on Prestige 's website but still the payoff was wrong. I was forced to have XXXX sell me my car back. They could finish buying my car without an accurate payoff amount. The XXXX stated everything would be updated 2 days later, which would have been Friday. I checked Friday and it still had not been updated. I tried calling Prestige but their phones were down once again. I also sent several emails with no response. Please help. I just buries my Mother a month ago and dealing with this is just extra stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Other

Complaint:
I have an XXXX credit card sponsored by Chase Bank. It 's the Chase XXXX card. XXXX and Chase are terminating their relationship on XXXX/XXXX/15 and now Chase is telling me they are going to convert my Chase XXXX card into their Chase Freedom credit card without my permission. I do not want to be transferred into a Chase Freedom card. I am telling Chase not to convert me into a Chase Freedom card but they tell me I have no choice other than to shut the Chase XXXX card down now instead. The problem with that is that the agreement I signed with XXXX let me earn XXXX travel points by using the Chase XXXX card BUT I CAN ONLY KEEP THOSE POINTS SO LONG AS I MYSELF DO N'T CLOSE THE XXXX CARD DOWN. So I ca n't shut the XXXX Chase card down without losing my earned XXXX points. I have told Chase I want them to just allow my XXXX credit account to fade into nothing without me shutting it down because if Chase lets my card fade away ( on XXXX/XXXX/15 ) then that will be Chase killing my card instead of me killing it so in that case I would get to keep my XXXX points. Remember, I ca n't shut down the XXXX Chase card MYSELF ( without losing my EARNED XXXX rewards ) but if Chase shuts down the card on their own then I do n't lose my earned XXXX XXXX points. 

Chase will end my XXXX Chase card but Chase intends to convert my Chase XXXX account into a Chase Freedom account without my permission and against my will. They are imposing a new credit card on me - the Chase Freedom card. They say they have the right to change the terms of the card per the cardmember agreement but they are not simply changing the terms. They are forcing me into an entirely new credit card against my wishes. 

I want them to let my Chase/XXXX card fade out of existence when XXXX and Chase end their relationship but I do not want to actually close the XXXX Chase account myself. I also do not want Chase to force me into their Chase Freedom card without my permission and against my wishes. 

You see, I plan to apply for a Chase Freedom card on my own in the near future and if I do that then I would get a signing bonus of a 15 month ZERO percent interest rate for the first 15 months PLUS {$100.00} for spending {$500.00} in the first 3 months, but I only get that if I apply for the card on my own. If, on the other hand, they forcefully convert me into the Chase Freedom card ( from the Chase XXXX card ) then I do not get that ZERO percent for 15 months and I do not get the {$100.00} for spending {$500.00} in the first 3 months I have the Chase Freedom card. 

They 're basically forcing me into a card that I plan to apply for later, but if they let me apply for the card later instead then I get a nice bonus ( 15 month ZERO percent interest & {$100.00} cash for spending at least {$500.00} in the first 3 months ) and if they get away with forcing me into the card instead then I wo n't get that bonus. 

They 're trying to rip me off. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Revenue Recovery Corporation
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have an account on my credit report for a bill for utilities company who was paid in full and now apparently still showing open and sold to a collection agency. I did n't have any knowledge about that before I check my credit report currently.

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 2015-03-30
Company: JPMORGAN CHASE & CO.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In XXXX, XXXX, I lost my job, and was still paying my credit card bill, until XXXX, XXXX, when I was just unable to pay my Washington Mutual Bank credit card anymore. I have enclosed my last statement I paid in XXXX of XXXX. Please note the amount was {$4900.00}. Consequently, a judgement was filed against me in the summer of XXXX, for the amount of {$5900.00}. That amount difference was understandable and I planned to pay whenever I got a job. That did n't happen. Finally, in XXXX of XXXX I was able to get a job and pay on other garnishments, from XXXX XXXX XXXX XXXX XXXX. 
Now, I see that XXXX XXXX XXXX has filed to revive the judgement that XXXX XXXX had filed on behalf of XXXX XXXX, XXXX this time for the amount of {$9700.00}. I do feel that XXXX XXXX XXXX is doing this out of a vendetta they have towards me. I feel that the garnishment should not be revived because of XXXX reasons : XXXX XXXX XXXX XXXX XXXX bought this specifically because my name was on it, and XXXX ) the exorbitant amount that they want is just not owed. This feels like a personal attack from XXXX XXXX XXXX, because they did n't own this account, until now. They did not file the original judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a loan modification thru Chase bank since 2011 i have done multiple applications upon their request, and at which time they have had me send material after material and after a long procwss i end up having to do a new application just to start over time and time again ..On at least XXXX occassions i have had my home put into a forclosure situation and followed with a sherriff sale, but have fortunatly gotten these to be retreived.. My complaint is that in the beginning i was informed by the Chase Bank Reps to stop making payments on my home loan and it would help the Modification program to move along faster.. which was untrue alls it did was put me so far behind that i could not catch up, now this is one of the reason they say they cant modify ..I believe this was totally done intentionally, i have sent names and ext numbers of all the earlier representatives to the Executive office only to get a answer on the present not any answers on any of the representatives that had me or informed me to stop paying on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been having issues with Chase Bank regarding my Mortgage modification. 
When I started with Chase my home was about to go into foreclosure and that was the only company that would take my account and give me a mortgage. I had just bought a new house with a 7.25 % interest rate. But when I went to refinance with chase to keep my first home out of foreclosure a few months later they gave me a rate at 15.25 % XXXX The original rate for that house was 8.5 % ). Yes I was late from time to time but I always paid more than the monthly payments and late fees. I am retired now and my income has decreased so I have been trying to work on a modification with Chase for a lower interest rate. I have been repeatedly contacting Chase and they are always telling me we just need this one more piece of information each time I call, and I am never really given a straight answer when I ask where the equity in my house went. I have been paying on this loan for XXXX years. The house is only worth XXXX and I have paid almost XXXX the amount of the original cost of the house at the time of purchase. I have to admit that over the years I never stopped to take the time to look at my bills. Now that I 'm retired and on a fixed income I 've noticed discrepancies in my bills and have questions I should have asked years ago. My original mortgage was released to Chase XX/XX/1999. It is still not clear to me how my interest rate would jump from 8.5 to 15.25 %. It also does n't seem right for my balance to be the same every month after each payment. The modification that they are taking so long to answer about will add another 66 years to the loan. I just want someone to look at why they are giving me a run around about my modification. I apparently have a subprime loan, and I am trying to get out of it. They keep suggesting a quick sale but after XXXX years of paying on this house the thought of giving up is disheartening. My monthly payment is XXXX a month I pay XXXX and only XXXX goes toward the Principal XXXX goes to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Other

Complaint:
In 2013 I received a XXXX for cancellation of debt for an amount of {$23000.00}. I paid taxes on this amount back in 2013. But currently all XXXX credit reports still state that my Balance Amount is {$25000.00}. This amount should be XXXX. This debt was fully cancelled and I paid the taxes on it already. My outstanding balance is currently zero. The credit bureaus should reflect that as well. Chase Bank USA NA is incorrectly reporting an old cancelled debt amount to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: JPMORGAN CHASE & CO.
State: ID
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a charged off credit card from Chase. They sent me a XXXX, that I added to my 2012 tax return. Chase continues to show that I owe that money, even though, I claimed it as income. This is effecting me, in getting a VA loan, because they are scared Chase can put a lien on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I been trying to do a loan modification with Chase, I have applied in the past, but I have not been successful because of my income. This time they do n't want to even look at the my application even thou my financial situation is different that it was when I first applied, they refused to review the application, I think that is not fair to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: SC
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Affirm Holdings, Inc
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I found a loan from Affirm, Inc on my Credit Report for {$1300.00} on XX/XX/2002 that I did not authorize and know absolutely nothing about. I called Affirm , Inc. who claims to be working on the problem, but I have heard nothing to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
Credit card company informed me that the cash advance APR would be increased from 19.49 % to 25.24 % effective XXXX XXXX, 2016. How do they get to raise their interest rates so high? The majority of banks barely pay the consumer 1 % on savings or checking accounts. It is outrageous that they can charge such an exorbitant fee and yet pay the consumer an interest rate that is dreadfully low.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: U.S. BANCORP
State: ME
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
The inspection was by XXXX, Inspection ID XXXX on XX/XX/XXXX Car was XXXX XXXX XXXX XXXX XXXX XXXX Held by XXXX XXXX  out of NY XXXX ( USB ) Charge for total windshield replacement at end of lease due to stone ding of 1/8 inch by 1/8 inch with picture on web -- but reading 1 x 0.5 inch cracked which is not true. The stone ding is verified by the photo and there is no visible crack.

Charge for replacement of windshield is {$460.00}.

This can be easily fixed with windshield resin. This is very inexpensive. 

I called XXXX on XXXX to tell them I disagree with the measurement and disagree with the remedy of the problem. They said the power belongs to them and I have no 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 monetary relief