BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-11
Company: Experian Information Solutions Inc.
State: NV
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:
XX/XX/2020 I asked Experian Online, to remove an address - NEVER lived there. 

Experian said to call them. 

I called Experian and told them address was inaccurate. I NEVER lived there. 

Experian told me to call the Credit Card ( XXXX XXXX  ) that is reporting the address. 

XXXX XXXX  was called. They said they are NOT reporting that address. They never had that address on file. 

Experian is simply telling customers to call others and are not investigating issues themselves.

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 2015-05-31
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I was contacted via e-mail on XXXX about my Chase credit card. It was being used in a suspicious manner. Turned out there were XXXX instances of fraud using my card number this month. I immediately contacted Chase to cancel the account and report the fraud. The last case of fraud was local and the person is on the store security video. I attempted to file a police report with the local authorities but they needed an affidavit of fraud from Chase. Chase claimed to know nothing about this form and would not provide it. I have been on the phone with Chase numerous times and have not been given answers. In XXXX case I was put on hold and hung up after over XXXX minutes! I have since received a card from Chase to alert me that my account had been closed to protect me from fraud and it says there had been no fraud against my account. I asked Chase about the exact meaning of this but they give me the runaround, not providing answers. I have just about had it with them. I have been a great customer and do n't deserve this kind of treatment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-22
Company: Platinum Holdings Group, LLC
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Received a call from a representative, was told I had an XXXX backed credit card at XXXX XXXX between XX/XX/XXXX-XX/XX/XXXX - which is not true. I asked for proof of the debt and the person I was speaking with said to check my credit report, which I do frequently - there is no such listing on my report. They said they were going to serve me with papers and needed to verify my address. I asked again to discuss the history of debt and was hung up on. I called back and again was hung up. The phone number I dialed was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit card
Issue: APR or interest rate

Complaint:
Chase BankHave put my account as a charge off and now a collection agency is trying to get interest off on a XXXX dollars which now is XXXX dollars from XXXX years ago. In XXXX to XXXX I had a nerves break down and could not work an when I did work my hours were limited. I received short term XXXX and called Chase Bank they told me not to use it that I was covered under my protection plan. Some time later they said they would put me under hardship program never heard from them again now a year XXXX got a letter at work for the XXXX and again this year from my personal office last year I was not making enough to be garnished this year they 're trying again what can I do. My number is XXXX please call

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I mailed a letter about inaccurate information on my credit report. It has been almost 2 months and I still haven't received any results of an investigation.

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 2021-01-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Prior to Covid my escrow balance was in the negative and my mortgage payment went up substantially. A little after COVID hit I had to request a hold on mortgage payments. Once I was able to pay my mortgage again I called and received options. During that time my escrow was still very negative. I advised rep I would send in something to get it down as it was still a struggle to pay the higher mortgage payment. I was not told to do otherwise just list Escrow Payment on my check. On or around XXXX 2020 I called in to be removed from the forbearance program. I advised I could not pay the new mortgage amount due to it being a few hundred dollars more than what I signed up for. In an attempt to get my mortgage payment down I spoke to a rep about paying my escrow balance down. I sent in a payment that specified escrow shortage and it still got applied to the loan itself. I have called multiple times to get it resolved and now being told nothing they can do after speaking to a supervisor. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-10
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My mother passed away earlier this year and I tried to get Wells Fargo to put the loan in my name. My attorney sent them the death certificate again but a month later they had still not coded it properly. I am supposed to be working with the assumption/silmutaneous modification department but they will not give me an answer since they do not have it in their system that my mother passed away.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/XXXX XXXX XXXX XXXX has reported a account as a Charge Off and the status of the account was closed. However they have continued to report as a charge off for the entire year, Until XX/XX/XXXX on XXXX and XXXX and now they have changed the status to currently open as of XX/XX/XXXX on TransUnion. This has affected my credit negatively because from my understanding a charge off account should not include any active payment history. This is a manipulation of the statue of limitation. Please remove this 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 2021-01-11
Company: Convergent Resources, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I began to attend XXXX XXXX XXXX XXXX and a loan was opened through a student loan company called XXXX XXXX. I decided to drop out of school because XXXX XXXX XXXX XXXX was a terrible school where students were not taught anything, there were several fights between the students, and students had to learn everything on their own. That school still decided to charge me and my mom separately and we both paid off our debt with XXXX XXXX by XX/XX/XXXX. Until this day, that loan shows up on my credit score as " paid off ''. Since I did not complete the program, I was left with a loan amount of {$1700.00}. That was the agreement between the school and I so I paid it off late, but I eventually paid the amount that was agreed upon. Since then, I have received letters from different collection companies trying to charge me crazy amounts of money that I never agreed to pay. I have been able to report them and they have been removed from my credit because it turns out they are scammers. Today, however, I received a letter in the mail from a company called " Convergent '' charging me {$9400.00} from the Original Creditor : XXXX XXXX XXXX XXXX I have never heard of this company before, I called and they didn't answer, and the first letter I received was a " Reduced Balance Opportunity '' letter when I have proof that I have paid my loan with XXXX, and I have also never heard from that company before. My agreement was with XXXX, and XXXX XXXX. After receiving this letter, I am convinced that XXXX XXXX XXXX XXXX was a school involved in fraud, and they are the ones who gave or are giving my information to other companies. There was never an agreement for {$9400.00}. I am filing this complaint because I need help and I hope that XXXX doesn't try to to this to other students who once paid off their loans. I hope I can do something about this and that I can stop receiving letters from different companies who are clearly scammers.

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 2021-01-11
Company: Google Compare Credit Cards Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I signed up for Google Pay due to the marketed sign-up bonus of {$21.00} after making a payment of {$10.00} or more to a friend. Additionally, there were other offers marketed that enticed me to start using this product, such as {$21.00} referrals to friends and family, and cashback on transactions, such as 20 % at REI. 

I referred a family member on XX/XX/XXXX, they made two qualifying transactions on XX/XX/XXXX and I did not receive the referral bonus, and they did not receive the signup bonus nor REI bonus. 

After 3 weeks of being run around by customer service, there is no other possible conclusion than this is a scam, bait and switch, and illegal business practices. OVer 10 emails asking for the same information that was already provided, making blanket statements about the promotion ending XX/XX/XXXX ( which clearly this activity was in advance of ), asking for information they already have ( transaction IDs, dates, peoples names/emails/phone #, screenshots, etc. 

It is not like google is hurting for money, so I don't understand the deceit and scam, nor the horrific customer service. Fulfill the terms of the bonuses that were signed up for and executed per the terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Since The United States Bankruptcy Court has discharged my debts, I have been trying to get Wells Fargo to take this property in the form of a deed in lieu of foreclosure. The foreclosure process in NY is judicial, so it takes two years. That 's too long and serves nobody 's interest. I 'm trying to speed things up with a deed in lieu. 

I 'm amazed at the resistance and red tape involved in simply conveying a property back to Wells Fargo after a bankruptcy. I have two concerns:1. Privacy. Wells Fargo is asking me to explain deposits in my checking account post bankruptcy. My fresh start is well underway. This information is none of Wells Fargo 's business. These deposits were my tax return. I incurred huge losses and this was reflected in my tax return. Also, I received some back rent in a lump sum for another property not associated with Wells Fargo. This rent went immediately to paying for cesspool repairs on the property not associated with Wells Fargo. Why do I even have to explain this? It happened after bankruptcy. The Wells Fargo property has n't been rented since XXXX. No income from this property. I 'm in bankruptcy. Debts have been discharged. Wells Fargo should take this property. 

2. Inordinate delays. Wells Fargo keeps assigning me new Home Preservation Specialists. This is n't about preserving. It 's about deed in lieu. I have been assigned XXXX different Home Preservation Specialists. Turn over in this department is high. These people are on the career path. Thus, each XXXX of them is compelled to request a document or ask a question so they can advance. It must be working for them since I have had XXXX of them. It all results in delays. This has been going on for months. I 'm tired of it. It 's time for Wells Fargo to do the deed in lieu.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Experian Information Solutions Inc.
State: FL
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 contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
The following inquiry is unauthorized : XXXX XXXX, XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XX/XX/XXXX ; XXXXCR/OFF XXXX XXXX, XX/XX/XXXX ; XXXX XXXX XXXX, XX/XX/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 explanation
Consumer complaint received 2021-01-11
Company: Square Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Cash App to add XXXX to my account and never received the funds was told I had several accounts but it was my first time opening in XXXX 2020. I do have several email where I attempt to contact support service for cash app was not help to me. The only things was told to me that they don't send mobile message about funds being added to my account they send emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today XX/XX/21, I received a letter from RBC stating I had an outstanding debt for {$77.00} from the original creditor XXXX XXXX XXXX. They stated I had 30 days to send written notification to validate this so called debt. I immediately called XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, OH XXXX to inquire if had an outstanding balance. The lady I spoke with informed me that I did have an outstanding medical bill for the total amount of {$57.00}, I paid her over the phone, confirmation number : XXXX. RBC states in this letter I owed more than the original creditors balance. They was trying to pocket {$20.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX my home went to sheriff sale with Wells Fargo. We are being evisted. We can not get a place to live due to bad credit repoting by Wells Fargo. They are reporting my foreclosure with XXXX different account numbers, delinquencies, and 2 monthly payments requiredntotalling over {$4000.00}. Wells Fargo changed my acct number in XXXX. Now both are reported as owing XXXX different payments. The Wells Fargo mortgage was transferred to XXXX XXXX when sold at sherriff sale. XXXX XXXX XXXX a second loan is also reported as delinquent of which was settled in the foreclosure and sherriff sale. They have not reported this activity correctly please help. The foreclosure was illegal since XXXX they drag it out so that my statue of limitations expires so I can not take recourse. They chain of title is also incorrect how can they sell it to a new buyer.

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 2021-01-11
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a JCPenny Credit Card opened in XXXX that I had closed and completely paid off in XX/XX/XXXX. I had a improved credit report score by JCP synchrony bank in XX/XX/XXXX. I have since been getting a false credit report of {$13.00} charge and delinquent and derogatory account that is negatively effected my credit score every month since then. And the price increases by {$2.00} almost every month. I called JCP they no longer have any of my dates or payment information because the account was deleted. They said they could not help me. I have my account number and my social security and photos of all the false credit score reports. 

Starting in XX/XX/XXXX {$13.00} synchrony bank jcp XX/XX/XXXX {$15.00} XX/XX/XXXX {$17.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$21.00} XX/XX/XXXX {$21.00}

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 2017-03-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our home loan was originated with Wells Fargo on XX/XX/XXXX with PMI. In XX/XX/XXXX, we submitted a request for PMI removal and received a letter instructing us of the various options. We decided to complete an appraisal and paid the fee out of pocket, but the value came in low. We filed an appraisal dispute and our claim was not approved. Recently, we inquired in XX/XX/XXXX to remove the PMI given our home has appreciated. We were sent a letter with the same options. We decided once again to pay for the appraisal. The reported value showed we are now under the 80 % loan to value and can remove the PMI. Two weeks later, we received a letter stating we can not remove the PMI since the LTV must be 75 % or lower. This requirement was never disclosed in writing nor communicated to us during the process. Furthermore, had this been disclosed, we would not have proceeded with the 2nd appraisal. We are very frustrated with WF and feel utterly helpless. We believe they are dishonest, breach of contract, failure to disclose, and poor customer service.

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 2021-01-11
Company: TEXAS CAPITAL BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This is my SECOND COMPLAINT regarding the service I have received from XXXX  XXXX. I hope the Consumer Financial Protection Bureau will help me resolve this complaint with XXXX  XXXX. 

I received the attached email from XXXX  XXXX  stating that I would be receiving paper statements of my account. As of this date, I have received NO, repeat NO, paper statements of my account from XXXX XXXX 

I tried contacting XXXX XXXX by telephone, but always received a busy signal. I feel I have already spent an inordinate amount of time and effort to obtain my bank statements. 

I would appreciate an EMAIL response from XXXX XXXX to this complaint. The email response should address my specific complaint, and NOT simply ask me to contact XXXX XXXX by telephone. I prefer to be contacted by email at XXXX. Do NOT contact me by telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been sending the same paperwork to underwriting on more than two occasions. The loan advisor is always busy and gave me the impression that all my documents were in order and misled me in thinking that I was getting approved. He mentioned that the underwriter wanted a document from the VA about a disability annuity that I was receiving. I told them that I was receiving an annuity from XXXX from my Postal retirement. I last spoke to my loan advisor on the XXXX of XXXX and I specifically asked him about my DTI. He stated that it was fine. 
This is the reason Im filing the complaint. 
XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Years ago in XX/XX/XXXX or so, I was attending XXXX University online. Federal loans did not cover my expenses, so they convinced me to take out a private loan. They later told me I needed a cosigner and I asked my mother to co-sign, which she reluctantly did. The original loan was {$20000.00}. In XX/XX/XXXX, I was diagnosed with serious health issues and could no longer work. I went on XXXX in XX/XX/XXXX. My mother passed away in XX/XX/XXXX. I tried to reach an agreement with XXXX XXXX now Navient with absolutely no luck. Now in XX/XX/XXXX, they are sending threatening letters to my mother and I. I told them that my mother passed away, but that did n't seem to matter. Now they have sent this account to collection agency after collection agency. I think there have been at least XXXX this year. I had my federal loans discharged due to total and permanent XXXX in XX/XX/XXXX. Navient flags this account every month and continues to ruin my credit. They now claim the loan is almost {$79000.00}. This will never be able to be paid off.

Company response to consumer: Closed with explanation