BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
JPMCB XXXX indicated on credit report a derogatory item closing out the lease : Charged off as bad debt|Profit and loss write-off. This was a lease, not a loan. This had a major impact on my credit rating. JPMCB sent an email dated XX/XX/XXXX after accepting my lease payment on XX/XX/XXXX. History of my lease payments indicated not issued with the payments, except in XXXX due to XXXX  XXXX. This did not affect my credit status as must as the derogatory indication. 
Since I was not notified of this and that XXXX XXXX/Leasing did not notify me of issued that caused the bad debt derogatory indicated would affect me and did not extend do to Covid after make attempts to purchase the vehicle also impacted my credit. To this day no remedy offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This debt was included in a Chapter XXXX Bankruptcy and the loan was not reaffirmed nor would the Judge of the Bankruptcy grant a reaffirmation because of the balance. They tried to do a loan modification with me and put me on trial payments, I have {$4800.00} sitting in a Suspense account that they have not applied to my account that i had with them. I have asked that funds be returned to me from U.S. Bank Home Mortgage and they are refusing to return the funds to me. This debt was discharged in my Bankruptcy back in 2012. I spoke with a guy named XXXX I was told that they call him XXXX, who was very rude about the situation, and point blank told me that I was n't going to get the funds back from U.S. Bank and they I should have never sent them in. U.S.Bank is in litigation in the United States District Court for the XXXX District of Florida Case No. XXXX, for charging people for placing Hazard, Flood, Flood Gap, or Wind place Insurance policies on Consumer 's residential property.

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 2016-10-20
Company: UNITED GUARANTY CORPORATION
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had applied for a modification with XXXX on my XXXX lien last year. I went to a XXXX non profit agency for help. I misunderstood the counselor helping me and I did not pay payments while I was waiting to hear on the modification. a whole year went by and I kept submitting the requested docs to XXXX for the mod then in XXXX of this year I received a notice of servicing transfer stating my loan had been transferred to United Guaranty. By this time my new counselor with the XXXX office helped me call the new servicer to explain I was waiting to hear on my modification. we spoke to XXXX XXXX with United Guaranty she explained to me that my account is XXXX payments passed due and my balance is {$4000.00}. My payment with XXXX is {$120.00} if you do the math, XXXX payments x $ XXXX XXXX plus late fees. when the housing counselor and I called XXXX to discuss options to bring my account current since XXXX said I would not qualify for a modification. she said I had to pay {$4000.00} and my payments would not go back to the {$120.00}. I do n't understand why if all my information and terms of the loan was transferred this to me means that the current balance, rate and payment would remain the same. we told XXXX on the letter it also states that " nothing else about your loan will change '' I do n't understand why I can pay the 15 months of missed payments and go back to my {$120.00} payment, instead United wants to increase my payments which I can not afford. please help me to work with the new servicer, I just want to pay the pass due and go back to my regular monthly payment of {$120.00} which I had before it was transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have account with US Bank and the issue or concerns I have are fees for over draft, extended fees ( check account ) and charges to XXXX of my credit cards that I have not authorized to be an over draft for my checking account. Over the past 24 months, I have paid XXXX XXXX dollars in Overdraft fees. They refused to pay my regular bills and reorder my account transaction to hide what there doing. I have request a in chronological accounting of my bank transaction and they will not provide it. For at least two year my bank deposits of XXXX dollars in that account and they missed managed every transaction. They hey items for pay for excess of 3 days or more and re-ordered when transaction to cover up and released money held pending for payment back in to the account. also, have countless over draft fees place on my credit card ending XXXX, and I did not have agreement. I spoke to a bank rep a few days about it and still not attempt was make to follow up or correct the matter either. I need so help getting the matter corrected. Its just criminal what they are doing and it cost me a significant amount of 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 explanation
Consumer complaint received 2016-12-15
Company: Paypal Holdings, Inc
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2016 I purchased an item on eBay Item Number : XXXX ( a Rolex watch ) and paid for the transaction with my Credit Card from XXXX Bank the amount of {$2600.00}, when I finalized the transaction I noticed that the seller did not contact me, I did not receive any confirmation number or tracking number for the delivery of the object, some minutes later I noticed that the seller was cancelled from eBay and I received an email were they notified me that they removed the item from eBay and acknowledging that I already paid for the item. On XX/XX/2016 I opened a Claim with eBay and a representative called me and told me that the Post was an scam, they apologized and that the money will be credit to my account because I was protected by eBay money back guarantee. I called my Credit Card and notified of the fraudulent transaction. In fact, the money was returned to my Credit Card by PayPal at that time on XX/XX/2016. 
On XX/XX/2016 when checking my XXXX Card statements, I noticed that the amount of this fraudulent transaction was reverse to the PayPal Account " XXXX '' account of the Criminal who run the Scam on eBay, so I contacted my Credit Card and XXXX dispute representative told me that because the transaction was authorized by me they have to paid to PayPal and advise me to open a claim with PayPal who ask for the money back because as a Credit Card they only intervene if I was victim of Fraud Identity. When I contacted PayPal they told me that I can not open a Claim because my Credit Card had a dispute with them and it took a way my right to dispute, despite I talked numerous time with PayPal and explained that I was n't aware of the dispute and I was not heard as a victim of the fraudulent transaction, even when the money they are holding from me is a result of a Fraud, that I never received the object, is not tracking number and delivery confirmation they do n't want to open a Claim and they do n't want return the money to my account. 
I 'm filling this Complaint against PayPal because they took money from an illicit transaction, originating in a fraudulent posting, they know that the seller committed a crime, they know that I never received the purchased item, they do n't want to return the money to me, they even do n't want to open a Claim and PayPal as a financial institution is abusing and defrauding me that acted in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: Paypal Holdings, Inc
State: NC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
I use PayPal to send virtual currency to friends and family, as well as purchase items from internet shopping sites. But last year PayPal limited my account for some violation of the Terms of Service that I was unaware of and immediately placed my money on hold ( About {$400.00} ) I have sent several nice emails to them to possibly request the early release of my funds but they do n't respond. I have also called and am almost immediately " transferred '' but every time the connection gets lost during that transfer process. So a friend advised me to file a complaint through this website about PayPal holding onto my money for no reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
Company: SLM CORPORATION
State: KY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX XXXX from Sallie Mae has been contacting not only my work number but my co-signer 's work number after he was told TWICE he was not allowed to do this. He is also using threatening tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2020, my FICO credit score was reduced by 17 points because Bank of America ( my credit card company ) reported that I have made a late payment. The balance owed on my account was {$0.00}. I dont understand what am I supposed to do exactly? Send a check for {$0.00}? I dont understand why they reported me. 

I tried calling the company on XX/XX/2020 to resolve the issue. They stated that they will remove the report, but have not done so. 

This is a malicious practice that they are doing needs to stop. I will pursue legal action if I have to.

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 2016-05-19
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received correspondence from The law office of D. Scott Carruthers stating i owe his client XXXX, XXXX ( XXXX ) $ XXXXoriginal creditor XXXX. I am writing you because the letter is inaccurate and threatening based on my credit report this debt is not assigned to XXXX ( see attached letter ) also D. SCOTT CARRUTHERS owns XXXX. This debt is too old to take legal action therefore making this demand illegal.

Company response to consumer: Closed
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
A letter was sent by MYSELF demanding late payments, CHARGE OFF accounts that are still reporting LATE payments monthly, and collections be removed. I was sent a letter that denied my request because " they do not think its me ''. A photo copy of my license was sent with this document as well. 
Demanding that charge off accounts reporting late payments monthly be removed, such as XXXX XXXX, XXXX XXXX immediantly Demanding late payments between XXXX be removed on XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX be removed immediantly. Collections accounts such as XXXXXXXX XXXX and XXXX XXXX XXXX be removed immediantly.

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 2017-02-10
Company: U.S. BANCORP
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had paid my credit card balance in full and closed the account since I did not find the results of complaint case number XXXX did not adequately resolve my complaint. They have shown for 2 consecutive months that I am over my limit and do not show that I have paid the account balance in full nor closed with positive satisfaction my CC account.

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 2017-03-16
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
Dear Director : RE : Finance Company Consumer Complaint. / FNBO. / First National Bank of Omaha. 

Account Holder, Requested a Small Amount of Fund Transfer From FNBO, To Union Bank. 

Despite Requested The Transfer Days Ago, Fund Has Not Been Transferred. 

Finance Company, and Other Business Related Late Payment Fees ncuring, and The Consumer Very Concerned. 

Kindly Warn The Financial Company, Not To Intentionally Delay The Transfer, Please. 

Thank You Very Much, We Appreciate Your Business!!!! 

XXXX. 
XXXX, CA XXXX. 
XXXX. 
XXXX -- -- --

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: U.S. BANCORP
State: AZ
Product: Credit card
Issue: Balance transfer fee

Complaint:
I was a US Bank credit card holder for over 12 years. During that time, I have never missed a payment and my account was always in good standing. Last year, I transferred the entire statement balance of {$4300.00} to a different credit card. This brought the balance to zero and I was finished with this card. 
Recently I applied for a home refinance loan and was denied due to a delinquency on my credit report. It was only then that I discovered that US Bank had marked my account as 90 days delinquent for charges of residual interest, which had nothing to do with the original debt. I did not receive any notification or phone call from US Bank stating that I had additional debts to pay off. I paid my monthly charges online through my bank 's bill pay system and did not receive paper statements in the mail. Had I known about these additional fees that caused the residual interest, I would have immediately paid them off, as my goal was to get out of debt to increase my score for a home refinance. 

Once I learned of the residual interest charges, I immediately contacted US Bank. I spoke to a customer service representative who told me to fax a letter to the XXXX at US Bank to explain what happened and to have them remove the delinquency from my report. A few weeks letter, I received a generic letter in response, which had nothing to do with my situation and they let me know that they were not going to remove the delinquency from my report. I called US Bank again and spoke to both a customer service representative and a supervisor. I asked repeatedly if I could pay them the residual interest charges, but the bank refused to help with the situation. I asked them if there was anyone at all that I could talk to or anything that I could do and they would not help me. 
It is extremely frustrating that a loyal customer of over 12 years has been treated this way. I have never been delinquent in any of my credit cards and have always paid on time. After I transferred the balance of {$4300.00}, there was no indication that anything else needed to be done with this credit card or that I needed to sign back into my US Bank account, as I ceased using this credit card. This is unjust and unfair.

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 2018-03-22
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Late fees assessed erroneously. Full payment ( actually more than ) every 28 days ( 2 biweekly payments ) has been made consistently, yet I still am assessed fees. Late fees assessed due to changing window of when payments would be accepted. Late payments are assessed as a result of not removing previously discussed erroneous fees that were agreed to be removed through multiple phone discussions. 

This is a repeating issue. The issue requires constant babysitting of invoices from Wells Fargo and requiring a multitude of calls per year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Experian Information Solutions Inc.
State: NY
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 have contacted XXXX XXXX by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX XXXX and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.

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 2016-12-11
Company: Paypal Holdings, Inc
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2016, a fraudulent charged appeared on my Paypal account. I immediately contacted Paypal and disputed the charge a fraudulent. Paypal agreed to removed the charge. When my payment due date arrived I noticed the charge still on the account reached out to PayPal, tried to dispute the fraudulent charge and in direct voliation of the FCRA Paypal refused to allow the consumer to dispute said charge. Paypal directed the consumer to the vender XXXX. When I reached out to XXXX they also refused to allow the consumer to dispute fraudulent charges or provide proof the consumer placed charges on their Paypal account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I entered into a XXXX XXXX in XXXX of XXXX with Bank of America and the forbearance concluded in XXXX of XXXX. The Forbearance agreement I entered into in XX/XX/XXXX stated that I would not be reported to the credit bureau. When the forbearance concluded I was given different options on how to pay the deferred money back. I choose to put it at the back end of the loan. The agreement stipulated again that based on XXXX  Forbearance guidelines this would not be reported to the Credit Bureau. At this time I applied for a XXXX  modification which I was told would only take 90 days but that took 6 months to complete because of unethical practices by Bank of America to try to drag the process on and ask for unreasonable financial information in order for me to stop the process. This is not new for Bank of America as they are being sued for the same practices from a XXXX lawsuit. After the 6 months I was informed that I was denied the mortification and that I could not appeal the decision. Days after the denial they reported the Forbearance balance which was put at the back end of loan to the credit bureau which violated our agreement.

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 2015-08-18
Company: SQUARETWO FINANCIAL CORPORATION
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This credit card account is just now coming to my attention. I did not open a credit card through XXXX bank based out of Nevada at any point.

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